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5 Best Banks for International Travel

Spencer Tierney

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Using the right bank can save you money when traveling abroad. When researching the best banks for international travel, features we considered included:

Low wire transfer charges.

Decent currency conversion rates.

International ATM fee reimbursement.

Foreign currency delivery to your home.

Here are our favorite banks for international travel.

Charles Schwab Bank: Best for using ATMs.

Capital One 360: Best on foreign transaction fees.

HSBC Bank: Best for expats with high balances.

Citibank: Best for wiring money.

Revolut: Best for nonbank multicurrency account.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions .

Best Banks for International Travel

Our pick for

Schwab Bank

Schwab Bank

Why We Like It

Schwab Bank customers who use the Investor Checking Account get fees refunded from any ATM in the world. That kind of perk is usually only available for premium checking accounts at other banks.

Plus, the bank doesn't charge foreign transaction fees.

Pros: - Refunds on all ATM fees worldwide. - No foreign transaction fees. - Account earns interest. - No minimum balance requirement and no monthly fee. - Free travel and emergency assistance services, including emergency messaging, medical and legal referrals, emergency translation and lost luggage location.

Cons: - Checking account must be linked to a Schwab One brokerage account (but the account doesn’t have a minimum balance requirement).

Foreign transaction fees

Capital One

Capital One

Though it’s not the only bank that doesn’t ding you for international purchases, Capital One 360 is a NerdWallet favorite because its fees are low across the board.

Capital One 360 doesn’t charge a foreign transaction fee for using your debit card outside the U.S. or for any transactions made in a foreign currency. If you want to use cash, the bank won’t charge you a fee for taking money out at an ATM (but it also won’t refund you if the ATM owner charges you a fee).

In comparison, many banks charge special fees when you make purchases abroad, or even if you buy something online from a retailer based outside the U.S.

Pros: - No foreign transaction fees. - No ATM fees. - No monthly maintenance fees.

Cons: - No refunds for fees charged by ATM owner.

Expats with high balances

HSBC

In the U.S., HSBC only offers premium accounts that require a high balance to open. But for those who can swing the balance, this bank can be handy while living abroad. A few features make this bank handy for expats or frequent globetrotters: The bank doesn’t charge foreign transaction fees on debit card purchases; it lets depositors monitor and move money between HSBC accounts in multiple countries; and if you lose your wallet while traveling, you can access up to $10,000 in emergency cash.

Pros: - Can access up to $10,000 in emergency cash in U.S. dollars or local currency if you lose your wallet while traveling. - No foreign transaction fee on debit card purchases. - Account holders can receive international wire transfers for free.

Cons: - In the U.S., HSBC only offers premium accounts with high minimum balance requirements. - Outgoing international wire transfers may come with a fee if the receiving account is not also an HSBC Premier account holder. - Mobile apps are poorly rated.

Wiring money

Citibank, N.A.

Citibank, N.A.

While many banks offer customers a way to send remittances directly without going through a third-party wire transfer service, few do it as elegantly as Citibank, which offers free international transfers to other Citi accounts through the Citibank Global Transfers service.

Plus, if you need cash while you’re abroad, Citibank offers free withdrawals at its ATMs in more than 20 countries. And if you often find yourself in a hurry before a trip with too much to do, the bank will deliver foreign currency by the next business day to a Citibank branch, your home or office.

Pros: - Foreign currency delivery before a trip. - Free international transfers to other Citi accounts. - Citibank ATMs available in more than 20 countries.

Cons: - Non-premium accounts are subject to out-of-network ATM fees from the ATM owner. - If you need to wire money internationally to someone who doesn’t have a Citibank account, the fee could be as high as $35.

Nonbank multicurrency account

Revolut

The Revolut account lets you hold and send money in more than 28 currencies and uses a real-time exchange rate. Exchanges done in the app, exchanges for a transfer and exchanges for a payment use the same rates. One catch is that Revolut will charge an exchange fee for transactions on the weekends.

Pros: - Can withdraw up to $400, $800 or $1,200 fee-free per month at out-of-network ATMs, depending on your plan. - Can hold and send money in more than 28 currencies. - Account earns interest.

Cons: - Foreign currency exchanges made on the weekends incur a fee. - Premium accounts have a monthly fee of about $10-$17, which can’t be waived.

More top choices for best banks for international travel

BECU: No foreign transaction fee ( read full review ).

Axos Bank: ATM foreign currency conversion fee reimbursements with World Checking account ( read full review ).

Navy Federal Credit Union: Branches in just under 10 foreign countries ( read full review ).

Varo: No foreign transaction fee ( read full review ).

Wise (formerly TransferWise): Multicurrency account with a debit card that doesn’t charge foreign transaction fees ( read full review ).

More strategies to keep banking costs down while traveling

Using money abroad can incur costs, but switching banks isn’t your only way to avoid them. Here’s a breakdown of different approaches and accounts to consider:

When spending money abroad:

Try a multicurrency account : Spend and hold different currencies in one account. This option is usually best if you live or work outside the U.S. for extended periods. Two mainstream providers are the financial tech firms Wise and Revolut .

Find a credit card with no foreign transaction fees : For everyday purchases when you can use physical cards or mobile wallets, a travel-friendly credit card can be useful.

When dealing with cash abroad:

Use a debit card with no foreign transaction or ATM fees : This is especially good for cash withdrawals, especially in countries where cash is heavily used. Generally, these debit cards, and the checking accounts they’re connected to, don’t have foreign transaction fees either.

Take advantage of currency exchange services from your bank : For cash you’ll bring on your next trip, see if your bank or credit union has this service since it’s cheaper than using kiosks at the airport.

When sending money abroad:

Consider nonbank money transfers : If you're sending a wire overseas while still in the U.S., companies such as Wise and OFX offer stand-alone transfers internationally that have competitive rates and low to no fees.

When managing wealth abroad:

Look into private banking : Private banking offers a personalized experience for high-net-worth individuals, which can include overseas considerations.

Open an offshore bank account : If you need help managing international business or investments, or if you'll be traveling long term, consider the merits of an offshore bank account.

Last updated on November 15, 2023

Methodology

We took a close look at over 90 financial institutions and financial service providers, including the largest U.S. banks based on assets, internet search traffic and other factors; the nation’s largest credit unions, based on assets and membership; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.

Financial institutions and providers surveyed are: Affirm , All America Bank , Alliant Credit Union , Ally Bank , Amalgamated Bank , America First Credit Union , American Express National Bank , Andrews Federal Credit Union , Associated Bank , Axos Bank , Bank of America , Bank5 Connect , Bank7 , Barclays , Bask Bank , Bethpage Federal Credit Union , BMO , BMO Alto , Boeing Employees Credit Union , Bread Savings , BrioDirect , Capital One , Carver Federal Savings Bank , Charles Schwab Bank , Chase , Chime , CIBC U.S. , CIT Bank , Citibank , Citizens , Citizens Bank , City First Bank , Climate First Bank , Commerce Bank , Community First Credit Union of Florida , ConnectOne Bank , Connexus Credit Union , Consumers Credit Union , Current , Delta Community Credit Union , Discover Bank , E*TRADE , EverBank (formerly TIAA Bank) , Fifth Third Bank , First Foundation , First National Bank , First Tech Federal Credit Union , Flagstar Bank , FNBO Direct , Global Credit Union , GO2bank , Golden 1 Credit Union , Greenwood , Hope Credit Union , Huntington Bank , Industrial Bank , Ivy Bank , KeyBank , Lake Michigan Credit Union , LendingClub Bank , Liberty Bank , Live Oak Bank , M&T Bank , Marcus by Goldman Sachs , Navy Federal Credit Union , NBKC , One , OneUnited Bank , Pentagon Federal Credit Union , PNC , Popular Direct , Quontic Bank , Regions Bank , Revolut , Salem Five Direct , Sallie Mae Bank , Santander Bank , SchoolsFirst Federal Credit Union , Security Service Federal Credit Union , Securityplus Federal Credit Union , Self-Help Credit Union , Service Credit Union , SoFi , State Employees’ Credit Union of North Carolina , Suncoast Credit Union , Synchrony Bank , TAB Bank , TD Bank , Truist Bank , U.S. Bank , UFB Direct , Upgrade , USAA Bank , Varo , Vio Bank , Wells Fargo and Zynlo Bank .

How we rate banks and credit unions

To recap our selections...

NerdWallet's Best Banks for International Travel

  • Schwab Bank : Best for Using ATMs
  • Capital One : Best for Foreign transaction fees
  • HSBC : Best for Expats with high balances
  • Citibank, N.A. : Best for Wiring money
  • Revolut : Best for Nonbank multicurrency account

Frequently asked questions

Banks that don’t make it expensive for you to use your debit card when you’re out of the country are best for international travelers.

Here are NerdWallet’s picks for best banks for international travel :

Some banks offer international bank accounts that U.S. citizens can open. International bank accounts generally require a high minimum balance.

Some banks allow you to make purchases and perform other transactions in other countries without charging a fee. Banks that don’t charge foreign transaction fees include Capital One 360, Discover Bank, HSBC Bank and Schwab Bank.

Compare the Best Bank Accounts for International Travel

Best bank accounts for international travel reviews, introduction to banking for international travel.

  • Key Features
  • Additional Services and Tips
  • Why You Should Trust Us

Best Banks for International Travelers for April 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

If you're an avid traveler at heart, then your bank account should reflect that. 

We looked for the best savings accounts that may help you save for travel and checking accounts that allow you to access your money with ease when you're on the road and overseas.

Top Bank Account for International Travel Benefits

Ally Savings Account

Bask Bank Mileage Savings Account

Capital One 360 Checking

Schwab Bank High Yield Investor Checking® Account

SoFi Checking and Savings

Revolut Account

Below, you'll see our top picks for international travel. All of the financial institutions on our list are protected by FDIC or NCUA insurance. Money is safe at a federally insured financial institution. When an institution is federally insured, up to $250,000 per depositor is secure in a bank account.

Compare Today's Savings Rates

Ally Ally Savings Account

Earn 4.20% Annual Percentage Yield with a $0 minimum account opening requirement

no monthly service fee

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Savings buckets help you save for different goals
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Surprise savings transfers help you save extra money from your checking account
  • con icon Two crossed lines that form an 'X'. No physical branch locations
  • con icon Two crossed lines that form an 'X'. No way to deposit cash

The Ally High Yield Savings Account is a great option for anyone who wants savings tools to help save for specific financial goals, or prioritizes an account that doesn't charge standard bank fees.

  • Create separate savings buckets in a savings account
  • Link to your Ally checking account and enroll in surprise savings transfers to have extra money transferred to savings three times per week
  • Interest compounded daily, paid monthly
  • FDIC insured

Bask Bank Bask Bank Mileage Savings Account

Earn up to 10,000 bonus AAdvantage® miles for new Bask Mileage Savings Account customers who open and fund their account within 15 business days from account opening and maintain a minimum daily balance of $50,000 for 90 consecutive days out of the first 120 days (open account by May 31, 2024)

up to 10,000 bonus AAdvantage® miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn American Airlines AAdvantages miles
  • con icon Two crossed lines that form an 'X'. May not be easy to deposit cash

The Bask Bank Interest Savings Account and Bask Bank CD are excellent options if you'd like to earn a high interest rate. The Bask Bank Mileage Savings Account may be a great choice if you frequently use American Airlines for travel. Bask Bank doesn't offer a checking account, though.

  • Earn up to 10,000 Bonus AAdvantage® miles. To qualify for this offer, you must be a first time Bask Mileage Savings Account customer, open a Bask Mileage Savings Account between March 1, 2024 and May 31, 2024, fund your Bask Mileage Savings Account within 15 business days following the initial account opening and maintain a minimum daily account balance of $50,000 for 90 consecutive days out of the first 120 days following the initial account opening.
  • Earn 2.5 American Airlines AAdvantage miles for every $1 saved annually on a Bask Bank Mileage Savings Account
  • Must provide your AAdvantage account number to receive AAdvantages miles
  • AAdvantage miles earned through the Bask Mileage Savings Account can't be used toward boosting your American Airlines elite status
  • Miles awarded monthly
  • Deposits FDIC insured through Texas Capital Bank

Capital One Capital One 360 Checking

No minimums, no fees, no worries.

See website for details

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn interest on all account balances
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Range of overdraft protection options
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Processes direct deposits up to 2 days early
  • con icon Two crossed lines that form an 'X'. Doesn't reimburse out-of-network ATM fees
  • con icon Two crossed lines that form an 'X'. Limited access to customer service by phone

Capital One is a strong bank overall. You'll earn competitive interest rates on online savings accounts and CDs.

  • Over 70,000 free ATMs nationwide
  • Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC

Charles Schwab Bank Schwab Bank High Yield Investor Checking® Account

Earn 0.45% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum account balance
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection

Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.

  • 24/7 live online chat
  • When you open a checking account, you automatically open a Charles Schwab brokerage account, too
  • No ATM network, but unlimited ATM fee reimbursements

SoFi SoFi Checking and Savings

Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 6/30/24. Earn up to 4.60% APY on savings balances (including Vaults) with direct deposit

up to 4.60%

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. FDIC insured for $2 million
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High interest rate
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn a higher interest rate with qualifying activities
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No overdraft fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $300 bonus with qualifying direct deposit (terms apply)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No-fee overdraft coverage if you overdraw up to $50
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Savings tools
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Early direct deposit
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Joint account available
  • con icon Two crossed lines that form an 'X'. Declined purchase if you overdraw by more than $50
  • con icon Two crossed lines that form an 'X'. Doesn't reimburse out-of-network ATM providers' fees
  • con icon Two crossed lines that form an 'X'. May deposit cash at Green Dot locations but there's a $4.95 fee

SoFi Checking and Savings is a great account option if you don't mind keeping your savings and checking in one account.

  • FDIC insured for $2 million
  • Free access to 50,000+ Allpoint ATMs worldwide
  • Hybrid checking/savings account
  • Earn 4.60% APY on savings balances (Vaults included) and 0.50% APY on checking balances if you set up direct deposit or deposit minimum $5,000 per month
  • Earn 1.20% APY on SoFi Checking and Savings if you don't have qualifying activities
  • Earn up to $300 cash bonus available through June 30, 2024; receive a $50 bonus if you make a direct deposit between $1,000 and $4,999 in the first 30 days of opening an account; receive a $300 bonus if you make a direct deposit of $5,000 or more in the first 30 days of opening an account
  • Create up to 20 Money Vaults to save for individual savings goals like an emergency fund or vacation
  • $4.95 fee each time you deposit cash at a Green Dot location
  • To get no-fee overdraft coverage you must have at least $1,000 in direct deposits

Revolut Revolut Account

no monthly service fees on Standard plan

Standard plan: up to 3.25% APY, Premium plan: up to 4.25% APY, Metal plan: up to 4.25% APY

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees on Standard plan
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Prepaid debit card included (specific card depends on monthly plan)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Spend abroad in over 140 currencies
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Budgeting features
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Withdraw up to $1,200 from out-of-network ATMs on Metal plan with no fair usage fees
  • con icon Two crossed lines that form an 'X'. Can't overdraw from account
  • con icon Two crossed lines that form an 'X'. 2% fee of ATM withdrawal on out-of-network ATM fees if you exceed the limit
  • con icon Two crossed lines that form an 'X'. $0.30 to $6 international money transfer fee if you exceed limit
  • Access to 55,000 free ATMs through the Allpoint ATM network
  • Withdraw up to $1,200 from out-of-network ATMs on Metal plan
  • Spend in more than 140 currencies
  • Additional international wire transfer fees will depend on the transfer amount and whether there's a currency exchange
  • Banking services are provided by Metropolitan Commercial Bank, Member FDIC

Compare Today's Banking Offers

Best Bank Accounts for International Travel FAQs

Charles Schwab is our top pick for international ATM access. It offers unlimited refunds for ATM fees worldwide.

To minimize fees when using a bank card abroad, you want to limit making ATM withdrawals unless you find an ATM that's in your network. Some debit cards also have foreign transaction fees, so it's best to use cash or one of the best credit cards with no foreign transaction fees .

Yes. Many banks and credit unions pay good rates to exchange foreign currency. Most financial institutions will require you to have a bank account with them in order to exchange currency , though.

Yes. Some banks offer travel insurance if you get a credit card with features like travel accident insurance and trip delay reimbursements.

Yes. You should call your bank before traveling so you're well prepared. If you forget to contact your bank, your debit card may be denied when you make purchases to protect you from potential fraudulent activity.

Yes. You may open a bank account in another country. However, make sure that you report your bank account information to the IRS annually .

great southern bank international travel

Best Savings Accounts for International Travel

The Ally High Yield Savings Account provides easy tools to set savings goals for your next trip, and you'll earn interest without having to take on any risk. 

You can also set up a checking account through Ally . When you need access to your savings, just transfer money from the savings account to the checking account through the online portal, and you'll be able to spend the money almost instantly.

Ally also offers an easy-to-use mobile app and 24/7 customer support, making it simple to access your account while you're on the road.

You won't be able to deposit cash directly into your bank account. Instead, you'll have to transfer money from another bank account. 

Ally Savings Account Review

You might find the Bask Bank Mileage Savings Account appealing if you are a frequent American Airlines flyer. This savings account lets you earn earn 2.5 American Airlines AAdvantage miles for every $1 saved annually on a Bask Bank Mileage Savings Account. You can redeem miles for booking flights or hotels, upgrading flights, renting transportation, or planning vacation activities.

Bask Bank is also offering a savings account bonus for new customers: earn up to 10,000 bonus AAdvantage® miles for new Bask Mileage Savings Account customers who open and fund their account within 15 business days from account opening and maintain a minimum daily balance of $50,000 for 90 consecutive days out of the first 120 days (open account by May 31, 2024)

AAdvantage miles earned through the Bask Bank Mileage Savings Account will not go toward boosting your AAdvantage status.

Bask Bank also doesn't have a checking account, ATM cards, or debit cards, so you'll have limited access to your account. You'll need to link an external bank account and initiate a bank transfer to deposit or withdraw money.

Bask Bank Review

Best Checking Accounts for International Travel

Capital One 360 Checking might be a solid choice if you're most comfortable with a well-known retail bank and want no-fee cash withdrawals at home and in select countries abroad. 

You can withdraw up to $1,000 a day at any ATM worldwide using your MasterCard and Capital One won't charge a fee, though the ATM operator may. The bank ranks No. 1 on J.D. Power's US National Banking Satisfaction Study , and it made Business Insider's list of the best checking accounts.

Capital One also offers a solid high-yield savings account, which is a good choice if you want to keep your savings at the same bank as your checking. 

If you travel to Europe, Asia, or any other place where Capital One and AllPoint don't have ATMs, you may have to pay third-party ATM operator fees to take cash out (Capital One will never charge you an additional fee). 

As for branch access, the bank only operates about 280 branches in seven US states, though Capital One Cafés are in some big cities around the US.

Capital One 360 Review

Charles Schwab is an investment platform, but it also has banking products. The Schwab Bank High Yield Investor Checking® Account is a great choice if you'd like a fee-free international spending bank account. It notably offers unlimited refunds for ATM fees worldwide, and it doesn't charge foreign transaction fees. 

You must open a brokerage account with Charles Schwab before opening a checking account, though.

Charles Schwab Bank Review

Best All-in-One Accounts for International Travel

SoFi Checking and Savings offers the best of both worlds. It's a hybrid savings/checking account with a competitive interest rate and a MasterCard debit card for easy access to your cash. 

SoFi is part of the Allpoint ATM network, so you have free access to 50,000 ATMs worldwide, and SoFi doesn't charge a foreign transaction fee when you make a purchase with your debit card abroad.

Again, SoFi is completely online — you'll need to call customer service when you want help with your account rather than walking into a physical location.

While SoFi doesn't charge any foreign transaction fees when you withdraw cash at an international bank or ATM, MasterCard will charge 0.20%, and SoFi won't reimburse you.

SoFi Checking and Savings Review

You might like the Revolut Account if you're looking for an alternative to traditional banking.

Revolut is a British fintech company with an international finance and investing app. You can open accounts from anywhere in the US. 

The Revolut Account is a prepaid debit card linked to a bank account. You can easily spend money internationally in over 150 types of currency. The account also allows you to make one fee-free international or domestic wire transfer per month with the Standard plan, three with the Premium plan, and five with the Metal plan.

The account also has budgeting features that let you round up prepaid debit card purchases or set up individual savings goals through Vaults. The Revolut Account and Savings Vault are  FDIC-insured by Metropolitan Commercial Bank and Sutton Bank. 

Revolut has three plans: Standard (Free), Premium ($9.99 per month), or Metal ($16.99 per month). Access to certain app features will depend on your monthly plan.

Revolut Review

Bank Account Alternatives for Travelers

  • Chase Total Checking® : This account appeared on our best checking accounts list, but it charges $3 fee per withdrawal at a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Surcharge Fees from the ATM owner/network still apply. $5 fee per withdrawal at a non-Chase ATM outside of the U.S., Puerto Rico and the U.S. Virgin Islands. Surcharge Fees from the ATM owner/network still apply.
  • Discover® Cashback Debit Account : Discover's checking account has no monthly service fees and allows you to earn 1% cash back on up to $3,000 in debit card purchases every month (see website for details), but its use is limited to the US, Canada, Mexico, and the Caribbean.
  • Citi Regular Checking : A fine checking account with options to waive the $15 monthly service fee and branch locations abroad, but customer satisfaction is below average, according to J.D. Power's US National Banking Satisfaction Study .
  • HSBC Premier Checking : HSBC (Member FDIC) offers a good variety of checking accounts, although only those with high minimum balance or deposit requirements get ATM fees reimbursed.
  • Wealthfront Cash Account : Although this account operates similarly to a high-yield savings account, it's technically a cash management account. You might like this option if you already invest with Wealthfront and want to earn a high interest rate on your savings. However, keep in mind Wealthfront doesn't offer other types of accounts like CDs or checking accounts.
  • Betterment Checking Account : Betterment reimburses all foreign transaction fees and ATM fees worldwide, and the app is easy to use. However, our top picks for checking accounts may also offer more banking options, such as CDs or brokered CDs.
  • Marcus High Yield Online Savings Account : Marcus has a good high-yield savings account; Marcus savings rates current pays 4.40% APY. However, the high-yield savings account doesn't have as many goal-setting features as Ally, if that's important to you. 
  • American Express® High Yield Savings Account (Member FDIC): With a solid savings rate, this high-yield savings account is a good option if you don't mind not having mobile access.

When you're traveling abroad, bear in mind many financial institutions have fees for using a debit card internationally.

For example, if you use an ATM provider to withdraw money that isn't in your network, you may have to pay out-of-network ATM fees from the provider and your financial institution. 

Many banks also have foreign transaction fees. A foreign transaction fee is a debit or credit card charge that can happen when you buy something internationally and it needs to be processed through a foreign financial institution. 

There are many financial institutions that can help you avoid common international bank fees, though. 

Key Features of Ideal Banks for International Travel

The right bank can make saving for travel goals easier. It can also help you avoid common bank fees, like out-of-network ATM and foreign transaction fees. Below, we've highlighted key features among the top banks for multi-country travel.

Competitive Savings Rates

One key feature to look for in a bank is a competitive savings rate. High-yield savings accounts, in particular, can be strong banking options because they offer better rates than traditional savings accounts. These bank accounts might also be a good choice if you want to set savings goals for specific travel trips. Money in a high-yield savings account can deposited at any time, so you can contribute to a travel goal in stages. If you open a high-yield savings account at an online bank, you also usually won't have to worry about dealing with monthly service fees.

Exchange Rates

If you want to have cash on hand during a trip, it may be beneficial to bank with a financial institution or platform that offers straightforward foreign exchange services. Banking institutions usually offer better exchange rates than airport exchange services or on-site travel spots.

Low Foreign Transaction Fees

If you plan on using a debit card or credit card frequently, make sure to look for a bank that has low foreign transaction fees. That way, you won't have to worry about fees piling up when you use your card to buy things abroad. 

Some financial institutions on our list, like SoFi, do not charge foreign transaction fees.

Wide Global ATM Network Accessibility

If you want to use an ATM abroad, the best option is to find a national bank with a global ATM network or one that provides reimbursements for out-of-network ATM fees. Charles Schwab, for example, offers unlimited worldwide ATM fee reimbursements.

Additional Services and Tips for International Banking

If you're planning on traveling abroad soon, it's best to be prepared beforehand so you can avoid unnecessary stress. Sometimes, credit or debit cards may not work if you don't give your bank notice that you're traveling. This is done as a measure to protect you against fraudulent activity. To avoid having your card declined internationally, make sure to call your financial institution before traveling so you can make sure it works during the time you're abroad.

It's also helpful to have cash on hand when traveling in case you need it for an emergency situation. Experts recommend getting foreign currency before you begin travel because airports and on-site currency exchange locations tend to involve more costly service fees and unsatisfactory exchange rates.

Bank Trustworthiness and BBB Ratings

The Better Business Bureau assesses companies based on responses to customer complaints, honesty in advertising, and transparency about business practices. Here are the BBB grades for our favorite travel accounts:

Revolut has an F rating from the BBB due to a high volume of customer complaints filed against the business, and Revolut hasn't responded to or resolved some of the complaints.

Bask Bank received a B grade from the BBB because of its volume of customer complaints. However, its parent company, Texas Capital Bank, has an A+ rating  from the BBB. 

A great BBB score doesn't guarantee your relationship with a company will be perfect. You'll also want to speak with current customers or read online customer reviews.

Capital One is the only bank on our list that has been involved in a recent public controversy. Capital One used to have an account called 360 Savings. In 2019, the bank launched the new 360 Performance Savings Account, which paid a much a higher interest rate. Many customers thought their old savings accounts would transition into this new one, but in reality, they had to manually open a new 360 Performance Savings Account to earn the higher rate. So some customers have been earning a significantly lower savings rate for years.

In the lawsuit, the plaintiffs' lawyers allege that Capital One didn't inform 360 Savings customers that these were two distinct accounts, or that 360 Performance Savings paid a higher rate. However,  Capital One wants this case dismissed  because it claims people had every opportunity to learn these facts on their own. This case is still ongoing.

Why You Should Trust Us: Our Expert Panel for the Best Banks for International Travel

We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best accounts for your needs.

Here's what they had to say about banking for travel. (Some text may be lightly edited for clarity.)

How can someone determine whether a bank is the right fit for them?

Tania Brown, certified financial planner and vice president of coaching strategy at  OfColor :

"Obviously, you want to make sure it's FDIC insured. Also, your banking experience — do you like walking into a bank? Well, then you need someone local. Do you just not care if you ever see your bank? Then you're okay online. Do you write checks? Do you not write checks? So it's thinking through how your experience with it is going to be before you make that decision."

Sophia Acevedo, banking editor,  Business Insider : 

"I would create a list of what I prioritize most in a bank account. For example, some banks have accounts that charge monthly service fees. I would look to see what the requirements are for waiving the monthly service fee and whether I think I could feasibly meet those requirements each month. If I'm searching for an interest-earning bank account I'll pay attention to interest rates. I would make sure the account pays a higher interest rate than the  average bank account ."

What should someone look for in an online bank?

Roger Ma, certified financial planner with  lifelaidout®  and author of  "Work Your Money, Not Your Life" :

"How onerous the transfer process is, transferring money in and transferring money out. Is it same day, next day? Is it pretty easy to sync a brick-and-mortar checking account to this particular high-yield savings account?"

Mykail James, MBA, certified financial education instructor,  BoujieBudgets.com :

"When it comes to online banks, you want to be a little bit more strict about what type of interest rates they're providing. That's the biggest thing, because online banks are supposed to have the higher interest rate because they don't have the overhead of the brick-and-mortar. You want to make sure that it's well above the national average.

"What types of securities do they provide? Do they have two-factor identification? If it's an online bank, they should definitely have — at the bare minimum — two-factor authentication in how easy it is to change your passwords and things like that, because you want to be a little more hypersensitive about the cyber security for a strictly online bank."

What should someone look for in a bank account if they travel frequently?

Sophia Acevedo:

"You'll want to be mindful of bank account limits and fees. You might be charged fees if you use an ATM from another bank. Banks and credit unions also have limits on how much you can withdraw from your ATM each day. When you're looking for a bank account, see if your bank provides refunds for out-of-network ATMs and what the ATM withdrawal limits are."

Methodology: How Did We Choose the Best Bank Accounts for International Travel?

At Business Insider, we strive to help smart people make the best decisions with their money. We spent hours comparing and contrasting the features and fine print of savings accounts and checking accounts so you don't have to. You can read more about how we review and rate product on our editorial standards page .

We understand that "best" is often subjective, however, so in addition to highlighting the clear benefits of an account — a high APY, for example — we outline the limitations, too. 

Generally, bank accounts are designated either savings or checking. When you're saving up for a big trip, a high-yield savings account is appropriate because you'll be able to earn some interest on your money, but still be able to access it when you need to.

A checking account may be more appropriate to use while traveling, as you'll be provided with a debit card to use at shops, restaurants, and ATMs. You may also consider using a credit card , which could provide rewards and other travel-related benefits.

That said, the best bank accounts to use for international travel expenses should be appropriate for your everyday life too, with low fees, good earning potential, and easy access. 

See our full ratings methodology for checking, business checking, savings, and money market accounts »

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No longer offered

This offer for the Great Southern Bank Platinum credit card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested. Check out the current offer for the American Express Velocity Platinum Card here .

  • $0 additional cardholder fee for up to 9 additional cardholders
  • 1 Platinum Rewards point per $1 spent
  • Includes complimentary insurances such as international travel insurance, purchase cover insurance and transit accident insurance.
  • High interest rate of 19.99% p.a. on purchases

You can apply for the Great Southern Bank Platinum credit card online by filling out a secure application form. Just make sure you meet the following eligibility criteria and have all the details and documents you need to apply.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident with an Australian residential address.
  • Age. You must be at least 18 years old to apply.
  • Bankruptcy status. You must not currently be bankrupt.

Required documents

  • Personal information. This includes your full name, date of birth, residential address, email address and contact number. You'll also have to provide a valid form of ID such as your driver's licence, passport or Medicare number.
  • Employment details. You need to provide information about your current employment situation, including your role, salary and employer's contact information. You also need to include documents that verify these details, such as recent payslips or a PAYG payment summary from your employer.
  • Financial information. This covers any income from other sources, assets such as savings accounts and existing debts you may have from other cards, loans or mortgages. You'll also need to provide details of your household expenses such as rent, grocery shopping and transport costs.
  • Rewards program. This card earns 1 rewards point per $1 spent through the Great Southern Bank Platinum Rewards program. You can redeem them for gift cards from brands like JB Hi-Fi, Coles, Woolworths and David Jones.
  • Complimentary international travel insurance. The Great Southern Bank Platinum comes with complimentary international travel insurance when you use the card for at least $500 of your prepaid travel expenses, such as flights, accommodation or car hire. This cover also extends to your spouse and/or dependent children when they are travelling with you and at least $500 of their prepaid travel expenses are booked with the card.
  • Additional cardholders. With the Great Southern Bank Platinum Card, you can add up to 9 additional cardholders while enjoying a $0 additional cardholder fee.
  • Transit accident insurance. This cover offers protection against losses that are a result of injuries you may sustain on planes, trains, tourist buses or short-haul ferries. It is available when you have paid for the entire trip fare with the card.
  • Purchase protection insurance. Items you buy with this card are covered against accidental damage, loss or theft for 90 days from the date of the purchase.
  • Mobile payment compatibility. You can link this card to both the Apple Pay and Google Pay wallets to make contactless payments with your smartphone.

Rates & fees

  • Purchase interest rate. The Great Southern Bank Platinum charges a purchase rate of 19.99% p.a., which is on the higher end when compared to the rest of the market.
  • Interest-free days. This card gives you up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.
  • Cash advance rate. If you use this card to withdraw cash or make any other cash advance transactions, an interest rate of 21.74% p.a. will apply.
  • Currency conversion fee. Purchases made in a foreign currency when you are overseas or shopping online attract a charge worth 3.4% of the total transaction.
  • Reward points cap. The amount of reward points you can earn is limited to 100,000 per year. At a rate of 1 point per $1, you would have to spend $100,000 per year to reach this cap.
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January 15, 2019

Does my CUA platinum Mastercard cover me for travel insurance within Australia (eg cancellation because of injury)

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John Basanes Finder

January 17, 2019

Thank you for reaching out to finder.

BUA Credit Card cardholders are eligible for the following covers: • International Travel Insurance • Transit Accident Insurance • Purchase Protection Insurance.

Domestic travel is note included in the coverage. Hope this helps!

Cheers, Reggie

November 02, 2016

How many CUA points equals 1 frequent flyers point?

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Thank you for your inquiry.

The conversion of the CUA point to a frequent flyer point will depend on the FF program. Though transferring of your CUA points to FF points is not possible, you may be able to redeem them for flights with Qantas, Virgin Australia and Singapore Airlines. To redeem, please visit the CUA Rewards website.

Cheers, May

October 06, 2016

Can you do the balance transfer at 0% for 13 months – CUA platinum card after you received the card? Or have to do the balance transfer at point of application of CUA card?

Thanks Peter

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Anndy Lou Finder

November 01, 2016

Thanks for your question.

Based on the terms and conditions of this card, balance transfers must be applied for within 3 months of the Disclosure Date in your Offer and Card Contract.

Cheers, Anndy

July 07, 2016

What is the minimum required income to be accepted for a $5,000 credit card?

Just to confirm, the minimum credit limit that you can request or will be approved for CUA Platinum Credit Card is $6,000. As for the exact figure for the income requirement, that will be determined by CUA. You may contact them directly to verify.

Please find CUA’s contact details I’ve sent to your email.

I hope this has helped.

November 27, 2015

Hi, Does this card provide car hire insurance?

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While the CUA Platinum MasterCard does not include car hire insurance, you can refer to our list of credit cards that offer car rental excess insurance . Select ‘Go to site’ to head over to their website to apply. Please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions before making a decision on whether it is right for you.

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Small Group Uzbekistan Tours 2024-2025

  • Rostov-on-Don

Rostov-on-Don, Russia

Rostov-on-Don, Russia

Tours, Attractions and Things To Do in Rostov-on-Don

Rostov-on-don travel guide.

  • 2. Attractions
  • 3. Souvenirs

Rostov-on-Don, Russia is a colorful southern merchant city on a port of five seas whose mild climate, rich history and welcoming attitude continue to attract travelers. The city’s impressive collection of monuments associated with the North Caucasus and Don Cossacks, amassed over the past two and a half centuries, continue to testify to the city’s unique role in Russian history.

Rostov-on-Don has many unofficial names, the most common of which is “Rostov-Papa”. Other nicknames include "Gateway of the Caucasus", "Liverpool of Azov", "Rost Angeles" and "City of Merchants". This latter title is particularly significant for Rostov, which is filled with luxurious 19th-century merchant mansions that are practically unrivaled in all of Russia .

Rostov-on-Don served over the centuries as a customs office, a fortress and a port. It was officially founded on December 15, 1749 when a customs office was opened on the Don River by decree of Empress Elizabeth Petrovna. Again by order of the empress, in 1761 the office was replaced with a fortress to protect the country’s southern borders. The fort was named in honor of St. Dmitry, Metropolitan of Rostov and Yaroslavl, and in later years its name was shortened to simply “Rostov”. In order not to confuse the city with the already existing Rostov the Great, it was renamed Rostov-on-Don in 1806.

Its favorable location at the intersection of land and river routes allowed for active port trade with many foreign merchants, a factor which led to its rapid growth and development. In the early 20th century, Rostov-on-Don became a major center of international trade in southern Russia and the third most important city in the country in terms of foreign trade turnover. By this time, nearly a hundred enterprises were functioning in Rostov, including factories belonging to Vladikavkaz Railway, a shipbuilding and iron foundry and two tobacco factories.

Today Rostov-on-Don has a population of over one million and is one of southern Russia’s largest metropolises, a comfortable city whose colorful layout makes it attractive to tourists .

Rostov-on-Don Attractions

Rostov-on-Don is replete with outstanding architectural, historical and cultural sights scattered throughout every district of the city. Yet Kirovsky District, the historic city center with the highest concentration of landmarks, remains a favorite among tourists during excursions to Rostov-on-Don.

It was in Kirovsky District that the city was birthed, and even today the neighborhood is reminiscent of the original Fortress of Saint Dmitry of Rostov. Also in Kirovsky District is Monument to Peter the Great and Don State Public Library, as well as many theaters, museums and restaurants. The nearby Rostov Embankment remains a favorite scenic hangout for residents and guests alike.

The prosperous merchants who once competed with one another in the construction of elegant estates left an indelible mark on the cityscape, and a walk along Bolshaya Sadovaya Avenue and Pushkinskaya Street, likened to an open-air merchants’ museum, will take you back to simpler times. Outstanding examples of Tsarist-era architecture on this route include Margarita Chernova’s House, Martyn Brothers House and City Hall, all of which are now protected under the Russian Cultural Heritage Register.

In Leninsky District is Gorky Park, the oldest park in the city, and Cathedral of the Nativity of the Blessed Virgin Mary. The railway district stretches along the Don, on the bank of which is Botanical Garden of the Southern Federal University, the largest of its kind in Russia. The picturesque Kumzhenskaya Grove, a favorite place for Rostovites to relax, is also situated nearby.

In Oktyabrsky District is one of the largest zoos in Russia and Europe, which is home to around five thousand animals. Pervomaisky District attracts with Rostov Sea (Rostovskoye More), an artificial reservoir which provides respite during the warm summer weather in Rostov-on-Don. To the west is Sovetsky District (known locally as Western District), an area famous for its year-round Ice Arena and Church of St. George the Victorious.

Theatergoers will appreciate the playful buildings and varied repertoires of the city’s numerous playhouses. Both Chaliapin and Rachmaninov performed at the opera house, which opened its doors in 1892. The unusual design of Rostov State Musical Theater resembles a white grand piano with an open lid. Gorky Rostov Academic Drama Theater, whose constructivist-style building is reminiscent of the lines of a caterpillar tractor, is rightfully counted among the finest theaters in Russia.

Rostov State Circus, which is more than half a century old, deserves special attention. Unforgettable performances of the legendary magician Igor Kio, famous animal trainer Anatoly Durov and the clowns Nikulin and Karandash have all been staged here over the years. Animal lovers will appreciate Rostov Dolphinarium, where visitors can admire sea animals while becoming familiar with their aquatic environ.

Museum options also abound in Rostov-on-Don. For history buffs, we recommend the Regional Museum of Local Lore, whose halls are filled with exhibits ranging from the Stone Age to modern times. Tour the Rostov Regional Museum of Fine Arts, located in an old, gated mansion, or fulfill your childhood dream in the Museum of Cosmonautics by sitting in a real capsule from the Soyuz spacecraft. To discover unique exhibitions on the origins and development of the brewing business, look no further than the appropriately named Museum of the History of Brewing.

On the outskirts of the city is Liventsovsky Fortress (also called Donskaya Troy), built by North Caucasian tribes almost 19 thousand years ago. One of the most popular sites near Rostov-on-Don is Paramonovsky Warehouses, located on the banks of the Don. The buildings themselves may be in ruins, but the strangely beautiful pools and waterfalls make for great photos. Fans of author Mikhail Sholokhov can visit his hometown, the village of Veshenskaya, which is located four hours from the city by car.

A visit to Central Market, commonly called Old Bazaar, is a must during your tour to Rostov-on-Don. Vendors will invite you to taste their array of pickles, while on the pleasantly surprising fish row you can purchase salted, fried or stewed varieties of the city’s famous Don fish.

While in this port city, be sure to sample two local dishes: authentic Cossack fish soup, which when cooked over the fire retains a delightfully smoky taste, and crayfish cooked with sour cream and red wine, whose flavors are fit for royalty!

Rostov-on-Don Souvenirs

The most popular souvenirs from Rostov-on-Don are items with Don and Cossack themes, which can be easily found in local markets. The city also offers a range of beautiful ceramics and tableware, a great selection of bedding sets made at the city’s famous sewing factories, various drinks from Rostov distilleries and the ever-popular vodka gift sets.

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Rostov

Search for hotels near Olimp-2

Hotels near Rostov, Olimp-2 - We offer a wide range of hotels near Rostov from cheap accommodation to upmarket luxury hotels. Search our database of hotels to find the lowest rate for your stay near Rostov. Remember we dont charge upfront you pay on departure from the hotel.

Capacity: 15,840 Address: pr. Sholokhova, 33, Rostov, Rostovskaya oblast', Russia, 344029 Rostov Arena is another new stadium for the 2018 world cup. After the world cup, not only will the capacity reduce due to 42,000 due to some temporary seating, but will play host to FC Rostov who currently play at Olimp-2 stadium. It is part of a larger expansion of the city centre lying on the southern bank of the Don River with resturants and shops to attract new people and investment. During the initial ground preparation, five preserved shells were found from the Great Patriotic War. FC Rostov have enjoyed recent success in the Russian Premier League with a runner up finish in the 2015-16 season earning a Champions League qualification spot. After a 2-2 draw at home to Anderlecht, they overcame the odds and secured a 2-0 away win. Facing Dutch giants Ajax in the final qualifier, they held onto a 1-1 draw in the home leg, before a shocking 4-1 home win qualifying them into a group against Bayern Munich, Atletico Madrid, and PSV Eindhoven. The Olimp-2 stadium has a capacity of 15,840 so the Rostov Arena will prove to be a huge upgrade to both FC Rostov and the town of Rostov-on-Don whos Champions League success will no doubt draw more popularity in future seasons. Once an ancient Greek colony, Rostov-on-Don holds cultural and commercial importance due to the proximity of the mouth of the Don river. After the Battle of Rostov during WWII, The Nazis occupied Rostov for seven months. It took ten years to restore the damage to the city after the war. 27,000 Jewish and Soviet civilians were massacred by German military in two days during August 1942. Tourists can enjoy a gorgeous walk alongside the Don River Lookout or "The Enbankment". Not just beautifully picturesque, but restaurants, statues, fountains, shops, as well as the centre of nightlife for Rostov. There's good shopping at the Central Rinok which is a bazaar. Be wary of drinking the local tap water. The airport is tiny and crowded but offers a range of international and domestic flights. Flights to Moscow are similar in cost to trains and take two hours rather than sixteen. In June temperatures typically range from 16-27°C. Websites: Official Website

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    Order your foreign cash with Great Southern Bank. For cash in hand when you land, use our easy, 24/7 online foreign currency ordering service. We work with online foreign exchange specialist, WeXchange, to give you access to 40+ currencies in a variety of denominations at competitive rates and zero fees.

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    Enjoy a low rate on purchases and a low annual fee. 11.99 % p.a. purchase interest rate. Up to 55 days interest-free on purchases 1. $0 annual fee in first year ($49 thereafter) 2. Minimum credit limit $500. Apply now.

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    DEBIT CARD TRAVEL NOTICE: Prevent possible interruption in debit card access by notifying us of your travel plans, and tell us if you routinely visit or work in other states. ... Visit any Great Southern Bank branch to verify your contact information so we can alert you to suspicious debit card transactions. If we are not able to reach you by ...

  17. Great Southern Bank

    Welcome. Great Southern's mission is to build winning relationships with its customers, associates, shareholders and communities. On any given day, we are hard at work helping young families realize the dream of home ownership, helping a business owner expand his or her business, or providing the right product or service to help an individual ...

  18. Great Southern Bank Platinum card review

    The Great Southern Bank Platinum comes with complimentary international travel insurance when you use the card for at least $500 of your prepaid travel expenses, such as flights, accommodation or ...

  19. Great Southern Bank > Gift Cards

    Whether you need a birthday gift, a holiday gift, or just want to say "thank you," Great Southern Gift Cards are ideal for any occasion. The cards can be used anywhere MasterCard is accepted. To purchase a gift card within minutes, please visit any of our convenient locations. We will be happy to assist you with your gift card purchase.

  20. Great Southern Bank Announces Plans to Sell Great Southern Travel and

    Great Southern Bancorp, Inc. (NASDAQ:GSBC) subsidiary Great Southern Bank announced today that separate definitive agreements have been signed to sell Great Southern Travel to Milwaukee, Wisconsin -based Adelman Travel and Great Southern Insurance to St. Louis -based HM, effective Nov. 30, 2012 , for both entities. Current Great Southern Travel and Great Southern Insurance employees and ...

  21. Online Banking > Great Southern Bank

    Our easy-to-use Bill Pay service allows you to securely pay your bills online from your Great Southern checking account. Pay any person or business, instead of writing checks. Make a one-time payment or schedule future payments. Set up recurring payments so you never miss a due date. View payment history.

  22. Rostov-on-Don Travel Guide

    Rostov-on-Don, Russia is a colorful southern merchant city on a port of five seas whose mild climate, rich history and welcoming attitude continue to attract travelers. The city's impressive collection of monuments associated with the North Caucasus and Don Cossacks, amassed over the past two and a half centuries, continue to testify to the ...

  23. Rostov: Find hotels near Olimp-2

    It is part of a larger expansion of the city centre lying on the southern bank of the Don River with resturants and shops to attract new people and investment. During the initial ground preparation, five preserved shells were found from the Great Patriotic War. ... We are football fans that travel to watch our teams frequently. 2. We have over ...