6 Best Banks for International Travel of 2025

Crediful
• 9 min read

Choosing the right bank can save you from unnecessary fees and hassles when traveling. Many people assume their current bank will work just fine, only to return home and find unexpected charges on their statement. ATM withdrawal fees, foreign transaction fees, and difficulty accessing emergency cash can all turn a dream trip into a financial headache.

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The best banks for international travel help you avoid these issues. Some offer unlimited ATM fee reimbursements, while others provide free foreign transactions, emergency cash access, or even streamlined international wire transfers. Below, we’ve broken down the top choices based on key travel banking needs.

Let’s take a look at the best options for keeping your money accessible and your fees low while traveling abroad.

Best Bank for Free ATM Access Worldwide

ATM fees can add up quickly when traveling. Some banks charge their own fees, while foreign ATMs add extra surcharges. Choosing a bank that reimburses these costs can save you money.

Charles Schwab Bank

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Charles Schwab Bank is a top choice for travelers thanks to unlimited ATM fee reimbursements worldwide.

Whether you’re withdrawing cash overseas or at an out-of-network ATM in the U.S., Schwab refunds every fee with no caps.

The Schwab Bank High Yield Investor Checking account also waives foreign transaction fees, so you can make purchases abroad without extra costs.

There are no monthly service fees or minimum balance requirements, making it simple and affordable to maintain.

As an online bank, account management is handled digitally. Schwab’s 24/7 customer service and mobile app make it easy to transfer money, pay bills, and track your spending from anywhere.

Best Bank for Emergency Cash Access

Losing your wallet or facing an unexpected expense abroad can be stressful. Some banks offer emergency cash services, making it easier to access funds when you need them most.

HSBC

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HSBC is a strong option for travelers who want access to emergency cash abroad.

Premier and Advance customers can request up to $10,000 in emergency funds, depending on their account balance.

With a presence in more than 60 countries, HSBC makes it simple to access money through local branches or its extensive ATM network. Their customer service team can also help coordinate emergency assistance, adding an extra layer of security while you travel.

If you plan to rely on this feature, contact HSBC before your trip to confirm the amount available to you so there are no surprises in case of an emergency.

Best Bank for Low-Cost International Wire Transfers

Sending money abroad can be expensive, with banks charging high fees and adding unfavorable exchange rates. Choosing a bank with low-cost or free international wire transfers can help you save.

Citibank

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Citibank is a solid option for international wire transfers, especially if both the sender and recipient have Citibank accounts.

Transfers between Citibank accounts are free worldwide, making it a cost-effective choice for frequent travelers or anyone sending money abroad often.

If the recipient doesn’t have a Citibank account, standard wire fees apply—up to $35 per transfer.

While Citibank doesn’t add an extra charge for currency conversion, its exchange rates may include a markup, which means the recipient could receive less than the market rate.

For larger transfers, it’s worth comparing Citibank’s exchange rates with independent transfer services. But for those who set up Citibank accounts on both ends, the combination of no fees and global reach makes it a convenient solution.

Best Bank for No Foreign Transaction Fees

Many banks charge extra fees for purchases made outside the U.S., which can add up fast. Choosing a bank that waives foreign transaction fees helps keep costs low when spending abroad.

Capital One 360

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Capital One 360 is a smart pick for travelers who want to avoid foreign transaction fees.

Unlike many banks that tack on 1% to 3% for international purchases, Capital One debit cards work abroad without added costs.

ATM access is also flexible. Capital One doesn’t charge for using out-of-network ATMs in the U.S. or overseas, though you’ll still be responsible for any fees charged by the ATM owner. You’ll have fee-free access through the Capital One, Allpoint, and MoneyPass networks.

The account also includes free wire transfers, no monthly maintenance fees, and no minimum balance requirements, making it a simple, low-cost option for international banking.

Best Credit Card for Earning Travel Rewards

A good travel credit card can help you earn valuable rewards on flights, hotels, and dining while avoiding extra fees. The right card can also offer perks like travel insurance and no foreign transaction fees.

Chase Sapphire Preferred

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The Chase Sapphire Preferred is one of the best travel credit cards for earning rewards on everyday purchases. Cardholders earn bonus points on travel and dining that can be redeemed for flights, hotels, and more.

Points are worth 25% more when redeemed through the Chase Ultimate Rewards portal, adding extra value. The card also has no foreign transaction fees, making it a smart choice for international use.

Travel protections are another highlight. Benefits include trip cancellation insurance, baggage delay reimbursement, and primary rental car coverage—features that can save you money and provide peace of mind.

For travelers seeking premium perks, the Chase Sapphire Reserve offers higher rewards rates, lounge access, and expanded protections, though it comes with a higher annual fee.

For strong travel benefits at a lower price point, the Sapphire Preferred remains a standout option.

Best Bank for Expats Living Abroad

Expats need a bank with a global presence, easy international transfers, and seamless account access across multiple countries. The right bank makes managing money abroad much easier.

HSBC

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If you travel often or plan to relocate abroad, you’ll want a bank with a global reach.

HSBC operates more than 3,900 offices in 67 countries and territories across Asia, Europe, North America, South America, Australia, and the Middle East.

With an HSBC account, you can open a new account overseas before you even arrive, and the mobile app makes managing your money simple from anywhere.

For frequent travelers, the HSBC Premier Checking account is especially appealing. It waives foreign transaction fees on debit card purchases and gives you access to international support when you need it.

The biggest drawback is cost. The account carries a $50 monthly fee unless you maintain at least $100,000 with HSBC.

While that’s a steep requirement, many global customers find the fee worth paying for the convenience, flexibility, and international infrastructure HSBC provides.

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Best Banks for International Travel: Honorable Mentions

No matter the criteria used, there are always going to be strong contenders left out. So, the options below are definitely worth consideration, too:

Chime

Chime® offers an online bank account with no foreign transaction fees. You also get a Visa debit card with the checking account. The debit card can be used at 47,000+ fee-free1 ATMs at stores like Walgreens, 7-Eleven, CVS Pharmacy, and more.

Chime also offers other benefits like getting your paycheck up to two days early with direct deposit2.

Alliant Credit Union

Alliant Credit Union refunds up to $20 a month for ATM fees incurred from using non-Alliant ATMs. If you use their credit card while abroad, there are zero foreign transaction fees.

Bank of America

No fees for using your debit card at ATMs that aren’t Bank of America-owned. Plus, you won’t be charged foreign transaction fees if you use any of their credit cards while traveling.

American Airlines Credit Union

The AACU checking account offers rebates of up to $20 a month for ATM fees incurred while traveling. Additionally, foreign transactions only incur a 1% fee.

Navy Federal Credit Union

Navy Federal offers credit cards with no foreign transaction fees. In addition, there are no ATM fees on military bases, and you get ATM rebates of $10 per monthly statement. Eligibility at NFCU is for members of the United States Armed Forces and their families.

Andrews Federal Credit Union

AFCU offers credit cards without any foreign transaction fees. It also has over 1 million ATMs across the globe. So, it’s unlikely you’ll have to resort to using an ATM that isn’t an Andrews Federal Credit Union ATM.

See also: Best Banks for Digital Nomads in 2025

Financial Tips for Traveling Abroad

So, you’ve chosen all the right banks, but there are still a few things you need to know before becoming a stranger in a strange land.

Get a Credit Card With No Foreign Transaction Fees

When it comes to making purchases, credit cards are generally the safest method of payment. They offer more protection than debit cards.

However, many credit cards charge foreign transaction fees of 1% to 3% for purchases made outside the United States. These fees can add up quickly.

Get a highly rated credit card like the Chase Sapphire Preferred, Chase Sapphire Reserve, or the Capital One Venture Rewards Credit Card. These cards don’t charge foreign transaction fees. They also allow you to earn more travel miles towards your next trip.

Exchange Currency at Your Bank

If you plan to use cash on your trip, check with your bank or credit union before you leave. Many banks allow you to order foreign currency online or pick it up at a local branch. This is usually cheaper than exchanging money at airport kiosks or currency exchange booths, which often have high fees and poor exchange rates.

Don’t Use Traveler’s Checks

Traveler’s checks are antiquated. Most debit cards give a much better exchange rate these days, plus not many places even accept them anymore. So, avoid the hassle and save time by using a bank that offers fee-free ATM usage or zero to low foreign transaction fees.

Notify Banks of Your Travel Plans

Banks monitor transactions for fraud, and an unexpected charge in another country could trigger a security block on your card. To avoid this, notify your bank before traveling. Many banks now let you set travel alerts through their mobile banking apps, so you don’t have to call customer service.

Don’t Use Public Wi-Fi

Public Wi-Fi networks at hotels, cafés, and airports are easy targets for hackers looking to steal sensitive information. Instead of connecting to unsecured networks, use a VPN (Virtual Private Network) to encrypt your data. This adds an extra layer of security when accessing your bank account or making purchases online.

Final Thoughts

Having the right bank for international travel can make a huge difference in avoiding fees, accessing your money easily, and ensuring financial security while abroad. Whether you need free ATM access, emergency cash, or a credit card with strong travel rewards, choosing a bank that fits your travel style is key.

Before your next trip, take a few minutes to review your bank’s policies on foreign transaction fees, ATM reimbursements, and emergency services. If your current bank isn’t traveler-friendly, switching to one that offers better benefits can save you money and stress.

A little preparation now means you can focus on enjoying your travels without worrying about unexpected banking issues. Safe travels!

Crediful
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Crediful

Crediful is dedicated to making personal finance simple. Our team of experts provides clear, practical advice on budgeting, credit, saving, investing, and more to help you make smart financial decisions.

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