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I am going to use my debit card later when I travel to Europe. I understand that there is a fee for using non-TD ATM to withdraw foreign currency. I would like to know the limit to withdraw money from foreign ATM and the limit to make foreign purchase. What should I do if I am making a foreign purchase that is about 4,000 dollars.
October 25, 2015 08:15:15 AM
In reply to Pei-Chun, Storrs
Welcome to TD Helps, Pei-Chun.
When traveling overseas including Europe, you can make ATM withdrawals from any ATM machine that displays the VISA or PLUS logo. Please note; fees may apply when using a non-TD ATM. 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 ATM debit card out of the country. At this time, TD Bank does not charge a fee when making purchases with your Visa Debit Card.
The international currency conversion rate varies by country. In all foreign countries, the exchange rates at the ATM are always more current than the commercial rates because the transaction is a real time authorization.
To make sure you do not experience any acceptance issues, we recommend placing a travel notification on your account before you leave for your trip. You can do so anytime by calling our 24/7 Customer Service line at 888-751-9000.
If you are enrolled in Online Banking, you can submit your travel notification via secure message. To send a secured message you must first login to 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.” In your message, please include the dates and destination(s) you will be traveling. 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, your account number and e-mail address. Once you have successfully enrolled, you will have immediate access to your account(s).
When you place travel notifications, it makes us aware of foreign transactions on your account and help monitor your account's security. While traveling, we also recommend carrying more than one method of payment, 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.
To contact us from outside of the United States, please dial (856)-751-9000, our Specialists are available 24/7, or you can call us collect from a landline at (215)-569-0518 with operator assistance.
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.
We hope this information is helpful, Pei-Chun and safe travels.
Alara B, Mount Laurel
October 25, 2015 08:19:04 AM