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Does td bank charge three percent of the total cash withdrawal amount as a currency conversion fee at an out of network atm overseas
I am looking for a bank that does not charge the three percent foreign atm currency conversion fee
Thank you for your advice
June 16, 2015 08:54:59 AM
1 person recommended this |
In reply to Julian, Sequim
Hi Julian, thank you for sending your question our way today.
We'd like to let you know that the exchange rate you would receive at an ATM is not set by the bank. Foreign exchange rates are published by the government and fluctuate daily. Customers will pay the VISA exchange rate at the time of an ATM withdrawal. We encourage you to check out our current fee schedule, http://bit.ly/1cTejgt as it outlines any applicable fees that may come into play when you use your debit card out of the country.
If you are a TD Bank Customer and you're traveling in the near future, we do recommend placing travel notes on your accounts if you haven't done so already. You may contact our 24/7 Customer Service line at 888-751-9000 to have a Banking Specialist place a travel notification on your accounts. Once your account is notated, TD Bank is not aware of your current and future locations and can greatly reduce any service interruptions. You may also send a Secure Message through Online Banking as well. If you are not enrolled in Online Banking, please click here: http://bit.ly/1lU2qfY. Once you are enrolled, please sign into your account and click on the Customer Service tab and the select "Send a Message." Of you choose tis option, please include the exact travel dates, destinations, and if there will be any connecting flights, if applicable. If you are unable to call or send a message, you can always visit your local TD Bank and have a Customer Service Representative place the travel notes for you. Please visit: http://bit.ly/TDStores to find a TD Bank near you.
We also recommend carrying more than one method of payment while traveling, just in case you encounter any acceptance issues. For more travel tips while overseas, please visit: http://bit.ly/1gDrDYu. You may also want to review our international travel tips frequently asked questions by clicking here: http://bit.ly/1ltwDDc.
If you need to contact us from abroad, you can reach us 24/7 at 856-951-9000 via mobile telephone or calling us collect with an operator's assistance from a land-line phone by asking the operator to dial 215-569-0518.
Also, please note that TD Bank does charge a $3.00 non TD ATM fee depending on the type of account you have. Please take a look here at our fee schedule here: http://bit.ly/1cTejgt.
We hope this helps, Julian. Feel free to ask if you have any additional questions!
Alara B, Mount Laurel
June 16, 2015 08:57:23 AM
In reply to Alara, Mount Laurel
So if I use the TD Bank debit/atm card there is no charge for a w/d at a foreign bank ATM ( in foreign currency)?
rod, sarasota, fl
July 13, 2015 01:53:26 PM
In reply to rod, sarasota, fl
Thanks for joining the conversation, Rod.
When traveling, you can make an ATM withdrawal from any machine that displays the VISA or PLUS logo When using your TD ATM/Debit card at a non-TD ATM, fees are applied. As mentioned above, we encourage you to check out our current fee schedule, http://bit.ly/1cTejgt as it outlines any applicable fees that may come into play when you use your debit card out of the country. If you are unable to find an ATM that is compatible, with the TD Bank Debit Card, it may be used to obtain a VISA Cash Advance
If you are planning on travelling, prior to doing so, we recommend placing a Travel Notification on your account(s) before your trip to avoid any possible interruptions and this will also help us be aware if we see foreign transactions on your account. You can do so by calling our Customer Service Line at 888-751-9000 or visiting a local TD Bank Store. To find a TD Bank near you, we ask that you check out: http://bit.ly/TDStores.
If you are enrolled for online banking, another option would be to send a secured message using www.tdbank.com and request the Travel Notifications be added to your account(s). To send a secured message you must first log onto your TD Bank Online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see and option to "Send a secure message" located in the “Message Center.” If you are not enrolled for online banking, you can do so for free here: http://bit.ly/1lU2qfY. You will need your Social Security number, TD Bank ATM/Visa Debit Card, his account number, and his e-mail address. Once you have successfully enrolled, you will have immediate access to your account(s).
And should you need to reach us, you can contact us by Secure Message as listed above, or to contact us by phone from outside of the United States, please dial (856)-751-9000, or collect with operator assistance from a land line phone by asking the operator to dial 1-215-569-0518.
We hope this helps answer your question, Rod. Let us know if you need anything else. Have a good one.
Yen D, Mount Laurel
July 13, 2015 02:00:14 PM