Wells Fargo Foreign Transaction Fee: Complete Guide (2023)

Carrying foreign currency when you travel is inconvenient and risky, so if you're planning to go on vacation, you may be wondering:Can I use a Wells Fargo debit card internationally?

If you have a Wells Fargo credit or debit card, this guide is for you. We'll cover the Wells Fargo foreign currency transaction fee and tips for using Wells Fargo when traveling abroad.

Can I use my Wells Fargo debit card internationally?

Yes. You will be able to use your Wells Fargo card when you travel; just check that the network your card was issued on, usually Visa or MasterCard, is accepted by the merchant or ATM of your choice.

Wells Fargo provides some helpful tips to keep in mind before using your cards abroad:

  • Insert your chip card into the merchant terminal or tap to make contactless payments wherever you can; Overseas merchants may not support slip payments
  • You will need a 4-digit PIN; if you don't already have one, you can set one up by visiting a Wells Fargo branch

Foreign transaction fees with the Wells Fargo debit card

Let's start with debit cards. If you want to use a Wells Fargo debit card abroad, you may have to pay the fees below. ATM fees will be discussed separately later.

Your specific account may have a different breakdown of fees charged. If you think this might apply to you, check with Wells Fargo¹.

(Video) Wells Fargo Foreign Exchange

Wells Fargo Debit Card Transactiontaxa
Withdraw cash at non-Wells Fargo ATMs abroadATM owner/operator may charge $5 + fees
International Purchase Transaction Fee— make a purchase in foreign currency3% of the value
Cash disbursement with debit card at the counter- internationally3% of the value

Spend money abroad like a local with Wise

While looking for the best card for your international travel, check out thewise multi-currency accountas a smart and easy way to manage your money across borders.

Open your Wise account online and order your linked debit card for easy spending and cash withdrawals at home and abroad. Being a Multi-Currency Account, you can recharge your balance in dollars and then convert it to the currency you need to travel.the mid-market exchange rate.

🚀 With Wise you can too
  • Have dozens of coins in the same account

  • Spend while you travel with your Wise card

  • Manage your money using the Wise app

  • No hidden costs, no exchange rate markups, no hassle.

Start with Sage

Wells Fargo Credit Card Foreign Transaction Fees

If you're looking for information on the Wells Fargo Cash Wise foreign transaction fee, please note that this card has been discontinued.

However, it's been replaced by the Wells Fargo Live Cash Card, and we've got the details you need to know about that, and other Wells Fargo live credit card options, on the way.

Wells Fargo² Active Cash

The Wells Fargo Active Cash credit card is a popular option with no annual fee.

Here's what you need to know about the general fees for this card and the Wells Fargo Active Cash Visa Foreign Transaction Fee:

exchange rateWells Fargo Active Cash Rate
annual quotano annual fee
ABR0% introductory APR, followed by variable APR of 15.74% - 25.74%
foreign transaction fee3%

Reflect³ by Wells Fargo

The Wells Fargo Reflect Credit Card has no annual fee, an 18-month 0% APR offer, and the opportunity to earn a slightly lower APR than other Wells Fargo cards.

(Video) How ATM Can (AND WILL) Trick You When Traveling

However, you will still pay a premium for any foreign currency spend. Here are the details.

exchange rateWells Fargo Reflect Rate
annual quotano annual fee
ABR0% introductory APR, followed by variable APR of 13.74% - 25.74%
foreign transaction fee3%

Are there Wells Fargo cards with no foreign transaction fees?

There are some active Wells Fargo cards that haveno foreign transaction fees- worth considering if you are a frequent traveler.

Wells Fargo Hotels.com Rewards Visa⁴

The Wells Fargo Hotels.com Partnership Card may be a good option if you're looking for a Wells Fargo card with no foreign transaction fee. However, there is no 0% APR offer with this card. Here are the details.

exchange rateWells Fargo Hotels.com Rewards Visa Fee
annual quotano annual fee
ABRTAE variable del 15,74% - 23,74%
foreign transaction feeNo fee

Bilt World Elite MasterCard⁵

Another good option if you want a card with no annual fee that's good for travel: The Bilt World Elite MasterCard has no foreign transaction fees and a range of different APRs depending on your situation. Here's what you should know:

exchange rateTarjeta Taxa Bilt World Elite MasterCard
annual quotano annual fee
ABRTAE variable de 16,99% - 24,99%
foreign transaction feeNo fee

Wells Fargo Propel Credit Cards

Unfortunately, the Wells Fargo American Express series of credit cards has stopped accepting applications from new customers, although you can still use your card if you already have one.

The good news here is that Wells Fargo Propel doesn't have a foreign transaction fee, making it a good card for international spending if you're lucky enough to have an active account.

Other Wells Fargo International Fees to Remember

ATM fees are hard to pin down, because it's not just Wells Fargo that may charge you: the ATM operator may end up charging fees as well.

These are the Wells Fargo fees you should be aware of¹, but keep in mind that these may not be all you pay when you use your Wells Fargo card abroad.

ATM servicetaxa
Cash withdrawal from a non-Wells Fargo international ATMATM owner/operator may charge $5 plus fees
Balance inquiry from a non-Wells Fargo international ATMATM owner/operator may charge $2.50 plus fees
Transfer funds between your Wells Fargo checking account and savings account service available only at select ATMs internationally2,50 USD

Dynamic Currency Conversion (DCC)

You can usually get a decent exchange rate with your debit card at a foreign ATM. However, if you are asked if you want to pay in local currency or in US dollars, you mustalways choose the local currency.

(Video) Wells Fargo: How to transfer money?

This is due to dynamic currency conversion, or DCC for short. If you choose US dollars, the exchange rate will not be set by the card network, but by the ATM or bank provider. And it won't be a good fee. Somehow. At ATMs, thebest exchange rateis always the place.

And don't forget to checkWells Fargo exchange ratebefore you travel

Tips and tricks for using ATMs and paying by card abroad

Whatever your travel plans, there are always a few tips to keep in mind to get a decent deal.

  • Inform your bank before you go.Otherwise, they may assume that your card has been stolen or that you have been a victim of fraud.

  • Take a second card if you have one(and store separately) and make sure you know how to contact Wells Fargo while abroad.

If you don't have a second card, buy a Wise

  • Shorten your PIN.A 4-digit PIN is a safer bet when traveling abroad. If yours has 6 digits, consider making it shorter.

  • Avoid exchanging currency at the airport.It's highly unlikely that you'll get a decent exchange rate at the airport, so try to reserve some cash before you leave or wait until you arrive at your destination.

  • Please note additional fees.If you find that an ATM is charging you in the middle of a withdrawal, don't be afraid to cancel it and find another ATM.

    (Video) How To Avoid International ATM FEES while traveling abroad - Charles Schwab Debit Card Review

  • Pay like a local - you may have to.Not everyone has the same culture when it comes to making payments. While card payments are very common in most of Europe, for example, in Germany they are less common and not all places accept debit card payments, so it is always useful to carry cash.

  • Not sure of the value of something?Use an online currency converter. If you're not sure how much money something is worth, check out aonline currency converter. This will show the current mid-market rate.

Good luck on your trip, and make sure you know how to make your Wells Fargo card work for you.

It pays to know the ins and outs of how to spend money abroad, so that when it's time to travel, you can focus on what really matters: having fun in a new place.

Wondering which travel card is right for you?Check out our guide to the best travel credit cards


  1. fargo wells- Bank charges
  2. fargo wells- Conditions of active cash
  3. fargo wells- mirror terms
  4. fargo wells- Hotels.com Rewards Visa Terms
  5. fargo wells- Conditions of the Bilt World Elite MasterCard

Sources verified on 06.03.2022

This publication is provided for general information purposes only and is not intended to cover all aspects of the subject matter. It is not intended to constitute advice on which you should rely. You should obtain professional or specialist advice before taking or refraining from taking any action based on the content of this publication. The information in this publication does not constitute legal, tax or professional advice from TransferWise Limited or its affiliates. Previous results do not guarantee a similar result. We make no representations or warranties, express or implied, that the content of the publication is accurate, complete, or up-to-date.


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