Guide

Using a debit card at a foreign ATM

Chase’s published fee schedule, effective 14 June 2026, lists a 3% exchange rate adjustment and a $5 fee for each withdrawal at another operator’s ATM outside the US. The ATM owner’s own surcharge still applies on top, and the schedule says these fees may be waived on some accounts.

Updated

The parts of the cost

For a withdrawal outside the US at an ATM the bank does not operate, the schedule lists:

  • An exchange rate adjustment of 3% of the withdrawal amount after conversion.
  • A fee of $5 for each withdrawal.
  • The ATM owner’s own fee. The schedule says “Surcharge Fees from the ATM owner/network still apply”, and gives no amount.

An example

For a withdrawal of $200 after conversion, the 3% adjustment is $6 and the fee is $5: $11 before the ATM owner’s own fee. This uses that one schedule’s figures. It is an example, not a typical cost.

It depends on the account and the issuer

The schedule says these fees may be waived with certain personal checking and savings account types. Other issuers publish other figures.

Capital One says a foreign transaction fee “might also apply to a debit card or prepaid travel card transaction”, and NerdWallet says out-of-network ATM fees “usually run about $5 per transaction”.

Where JetSet fits

Cash withdrawal at a JetSet machine is coming.

Sources

  1. Chase, “Additional Banking Services and Fees for Personal Accounts”, effective 14 Jun 2026. Source dated . Checked .A 3% exchange rate adjustment and a $5 fee for a withdrawal outside the US, with the ATM owner’s own surcharge still applying. The page says these may be waived on some accounts.
  2. NerdWallet, “Traveling Abroad? Order Currency Before You Go”. Source dated . Checked .Out-of-network ATM fees “usually run about $5 per transaction”.
  3. Capital One, “Foreign Transaction Fees Defined & Explained”. Source dated . Checked .A foreign transaction fee “might also apply to a debit card or prepaid travel card transaction”.