Does Bank of America work internationally?

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Before using an international ATM, it pays to do some research, as you could be charged fees. These include non-bank ATM usage fees, ATM operator access fees and international transaction fees for currency conversion. These fees can be charged by both the foreign bank as well as your bank, but you may be able to avoid or limit some of them by using ATMs of banks that partner with your bank. You can usually find these by doing some research ahead of time.

You may be able to minimize some charges. For example, if you’re a Bank of America customer, Bank of America may assess an international transaction fee of 3 percent of the converted U.S. dollar amount.1 Foreign ATM operators may offer to do the currency conversion for you, but they may charge a higher conversion fee. You can refuse the foreign ATM conversion and be assessed the 3 percent Bank of America international transaction fee instead. Conversion fee policies vary by bank, and don’t forget to consider the ATM usage and access fees mentioned above in your decision. Wherever you bank, doing some research on these issues will ensure you aren’t surprised.

Tip: Before you leave, check your Personal Identification Number (PIN). Some international ATMs only support four-digit PINs. Be sure your PIN doesn’t start with a zero, and know your PIN by its numbers, since some international ATMs do not have letters on the keypad.

A travel checklist can help you plan ahead, avoid problems and reduce stress. Here are a few travel tips to get you started on creating your own checklist:

• Take your banking with you wherever you go with the Mobile Banking app
• Get rewarded for your travel expenses by using the BankAmericard Travel Rewards® Credit Card: You'll earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and there's no expiration on points
• Register a USB security key for an extra layer of security and increased transfer limits when using Online and Mobile Banking.
• Use a digital wallet, a digital form of your physical debit or credit card that has a unique card number different from your physical card's number
• Find an international partner ATM and avoid the non-Bank of America ATM $5 usage fee. (Please note that the international ATM locator is not yet available on the Mobile Banking app, so when using a mobile device visit our locations page or search for "international ATMs" using your mobile browser.)
• Order foreign currency before you travel and avoid the hassle and expense of changing money abroad
• Book your flight, hotel, car or cruise with using the Bank of America Travel Center
• Contact your mobile phone carrier prior to leaving the U.S. to ensure your plan includes international calling

For more travel tips, check out these 10 tips for a worry-free vacation.

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