Summer travel season is here, and many customers are heading overseas for vacations and adventures. If you’re planning a trip outside the United States, it’s important to understand how your debit card works internationally and what to expect along the way.

Here’s a simple guide to help you travel with confidence.

Can I Use My Debit Card in Another Country?

Yes. Your debit card can be used around the world anywhere Mastercard is accepted. This includes retail purchases, restaurants, hotels, and many other everyday expenses.

What Fees Should I Expect?

When using your debit card internationally, there are typically small fees associated with transactions:

• 0.9% cross-border fee applied to purchases made outside the United States
• 0.2% currency conversion fee if the transaction needs to be converted into U.S. dollars by Mastercard

In total, these fees equal 1.1% of the transaction amount.

While these costs are relatively low compared to some alternatives, it’s helpful to be aware of them as you budget for your trip.

Can I Get Foreign Currency Before I Leave?

Home Bank does not offer foreign currency exchange services.

If you need cash in the local currency, many travelers choose one of the following options:

• Currency exchange services at airports or tourist areas
• Withdrawing cash from an ATM at your destination

Keep in mind that fees and exchange rates vary depending on the provider. Be sure to review the costs before completing a transaction.

Can I Use My Debit Card at an ATM Overseas?

Yes. You can use your debit card at ATMs that accept Mastercard.

This can be a convenient way to access local currency once you arrive. As with any ATM transaction, fees may apply from both the ATM operator and your financial institution.

Best Practices Before You Travel

Taking a few minutes to prepare can help prevent disruptions while you’re away.

1. Share your travel plans

   Provide your travel dates and destinations so Home Bank can add a travel notice to your card. This helps reduce the chance of transactions being flagged as suspicious.

2. Set your travel notice digitally

   Customers can also place a travel notice directly through digital banking. Watch a quick walkthrough here: View Travel Notice Tutorial

3. Include all travelers

   If you have joint account holders traveling with you, make sure their cards are included in the travel notice as well.

4. Plan your payment mix

   Consider when you’ll use your card versus cash to avoid unnecessary fees.

5. Ask questions in advance

   If you’re unsure about anything before your trip, contact Home Bank for assistance. It’s always better to clarify details ahead of time.

Final Thoughts

Using your debit card internationally is convenient, secure, and widely accepted. With a little preparation and awareness of fees, you can focus on enjoying your trip instead of worrying about your finances.

Safe travels, and enjoy your time abroad.