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I have read the other foreign transaction fee questions and none of the answers actually say whether foreign transaction fees are charged when withdrawing from a foreign ATM.
I understand that $3 is charged to withdraw from a non-TD ATM, but is a percentage charged as well as a foreign transaction fee? The fee schedule does not outline this anywhere. I know for example Chase has a 3% foreign transaction fee.
Luke, New York
March 8, 2015 02:54:49 PM
1 person recommended this |
In reply to Luke, New York
Thanks for making a stop at TD helps, Luke! We understand your concern and are glad to clear this up for you.
It sounds like you may already know, but just to be clear, each withdrawal, transfer, and balance inquiry made at an ATM not owned by TD is subject to a $3.00 fee, which is charged by TD Bank the same business day the transaction is made (fees subject to change). This may be in addition to any fee assessed by the owner of the ATM or network, and may include fees for both withdrawals and balance inquiries (or any other transactions done at the ATM). For our current Fee Schedule, you may look here: http://bit.ly/1cTejgt.
With that being said, you'll be glad to know that TD Bank does not charge any foreign transaction fees for transactions made with your TD Bank Visa Debit card. We invite you to review pages 45 of our Deposit Account Agreement at http://bit.ly/1kb17UQ for more information about the exchange rate for purchases. The exchange rate you would receive at an ATM is not set by the bank. Foreign exchange rates fluctuate daily, and customers will pay the exchange rate selected by Visa at the time of an ATM withdrawal. If you have any questions regarding your TD Bank Visa Debit card, you're more than welcome to reach us 24/7 at 888-751-9000.
Just in case you're referring to your TD Bank Visa Credit card, please note that fees for foreign purchases may apply. We encourage you to review a general copy of the Personal Credit Card Agreement at http://bit.ly/1klVfbF. Information about the exchange rate can be found on Page 2, and information regarding the Interest Rate and Fee Schedule on Page 12.. You may also wish to contact TD Card Services directly at 888-561-8861 to request a copy of your specific agreement or discuss your card directly.
And if you plan to travel, we recommend contacting us with your travel information to prevent any decline to your cards while you're away. For your debit card, you can do so by calling our Customer Service Line 24/7 at the first number mentioned above, and we will be happy to place your travel notification. If you have already left the country, please call us from outside the United States via phone at 1-856-751-9000, or collect with operator assistance from a land line phone by asking the operator to dial 1-215-569-0518.
For your credit card, you may reach TD Card Services at the number listed above, or, to reach them from an international location, please use the toll-free collect number 706-644-3266.
Another easy way to set a travel notification, especially if you have already left, is to send us a Secure Message from your TD Bank Online Banking account. If you've already enrolled, please log in here: http://bit.ly/1eaISlq with your User Name and Password. You can then send us a Secure Message by clicking on the Customer Service tab, and using the Send a Message link. Please include your related card number(s), exact travel dates, destinations and any connecting flight information if applicable.
Or, for any help you may need, if you'll be nearby one of our Stores, feel free to stop in during our extended lobby hours. If you click here: http://bit.ly/TDStores, you can find the TD Bank Store and lobby hours nearest you.
Hope this clarifies it for you, Luke! All the best and have a great time on your trip.
Kristen P, Mount Laurel
March 8, 2015 02:56:40 PM
In reply to Kristen, Mount Laurel
I am trying to find the fee schedule for using a personal account Visa Debit Card in England. The above answer references page 45 of a deposit agreement but the link that opens up doesn't have a page 45.
If we use the TD Bank Visa Debit for purchases in stores, retaurants, etc. in British Pounds is there an exchange rate fee, a foreign transaction fee, or Both?
Christen, Methuen, MA
May 27, 2015 03:47:01 PM
Disregard my comment, I opened the wrong thing first time.
May 27, 2015 03:47:23 PM
In reply to Chrisen, Methuen
Thanks for joining us on TD Helps!
We glad that you found the information that you were looking for! If you ever have any banking questions in the future, be sure to stop by and let us know!
Have a great day!
Megan K, Mount Laurel
May 27, 2015 03:49:30 PM
For those with Premium checking accounts and making international ATM withdrawals, does the $3 fixed fee apply and are there any currency conversion or network fees passed along to the customer?
Greg, New York
March 14, 2016 09:59:56 AM
In reply to Greg, New York
Thanks for joining in, Greg. We'd be glad to discuss.
You'll be happy to know that with the TD Premier Checking account, you will not be assessed non-TD ATM fees while you're away. You may also avoid ATM fees assessed by machines not owned by TD as well. Please take a look here: http://go.td.com/1Ubj4sN for more details.
As Kristen mentions above, TD Bank also does not charge foreign transactions fees gor the use of your debit card. We invite you to review pages 45 of our Deposit Account Agreement at http://bit.ly/1kb17UQ for more information about the exchange rate for purchases.
If you have any trouble with your account while you're away, please call us from outside the United States at 1-856-751-9000, or collect with operator assistance from a land line phone by asking the operator to dial 1-215-569-0518.
We hope this helps, Greg and have a good day.
Megan K, Mount Laurel
March 14, 2016 10:00:13 AM
1 person recommended this