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is there a fee for using my visa card not a debit card a credit card?
August 10, 2015 02:47:47 PM
In reply to steve, mashpee
Hey Steve, thanks for coming by TD Helps. We would be happy to help provide additional details regarding your inquiry.
At this time, there is a 3% foreign transaction fee that is applied for transactions processed internationally and will be posted in US currency. This includes all of the TD Bank Visa Credit Cards we offer, except for the First Class Visa Signature Card, in which there is currently no international transaction fee. Please note; fees may subject to change. We encourage you to review a general copy of the Personal Credit Card Agreement at http://bit.ly/1klVfbF . The Interest Rate and Fee Schedule can be found on Page 12, and information on the Exchange Rate at Page 2. 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.
Neither TD Bank nor Visa charges any foreign transaction fees when you use your TD Visa Debit card! You'll also be able to use your debit card to make cash withdrawals internationally at any ATM Machine that displays either the VISA or NYCE logo. If you are unable to find a compatible machine, you will also be able to use your Debit Card to obtain a VISA Cash Advance. Please note that non-TD ATM fees still may apply. For more information on the Fee Schedule, please take a look here: http://bit.ly/1cTejgt. And, we invite you to review page 45 of our Deposit Account Agreement at http://bit.ly/1kb17UQ for more information about international ATM Card or Visa Debit card transactions and the exchange rate for purchases.
We invite you to view a few a tips to manage your money when traveling, please check out: http://bit.ly/1fO8wKy . You may also want to review our international travel tips frequently asked questions by clicking here: http://bit.ly/1ltwDDc.
If you ever need us while travelling outside the US, you can call us 24/7 at 856-751-9000 or 215-569-0518 via landline with an Operator's assistance. For our Credit Card Specialists, please dial our International line at 706-644-3266.
We hope the information provided helps and please do not hesitate to let us know if you need anything else.
Yen D, Mount Laurel
August 10, 2015 02:52:24 PM
In reply to Yen, Mount Laurel
I wonder if the fee schedule has changed because on the website it's written that there is no foreign transaction fee. Would you please confirm this. Thank you very much
February 9, 2016 08:52:31 AM
In reply to Dao, Boston
Thanks for sending your question our way, Dao.
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.
We hope this helps, Dao and take care
Alara B, Mount Laurel
February 9, 2016 08:52:57 AM