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I'm getting conflicting answers for this question. Some sources say that there is a 3% charge to use my debit card as credit while other sources (like on these forums) say that there is no charge. I'm trying to figure out what is the best card to use in Europe.
July 26, 2016 11:42:35 AM
In reply to Christine, Bensalem
Thanks for reaching us on TD Helps, Christine. We'd be happy to clarify.
If you have a Checking account with TD Bank and one of our TD Bank Visa Debit cards to go with it, you'll be glad to learn that TD Bank does not charge you any foreign transaction fees for purchases made with this card. When using this card for a purchase in foreign currency, our Customers pay the Visa exchange rate at the time of purchase. This rate is not set by TD Bank.
Please keep in mind that fees that can be incurred while using international ATMs. Each withdrawal, transfer, and balance inquiry made at an ATM not owned by TD is subject to a fee, which is charged by TD Bank the same day the transaction is made. Our current Fee Schedule can be found here: http://go.td.com/1cTejgt, which details this for you. Please note that this fee may be assessed in addition to any fee assessed by the owner of the ATM or network, and may include fees for both withdrawals and balance inquiries.
You may refer to our Personal Deposit Account Agreement http://go.td.com/1kb17UQ (pages 44-46) for more information about what type of fees to expect.
Keep in mind that if you would be using a TD Bank Visa Credit Card, foreign transaction fees may apply. To view the general terms for a Personal Credit Card, please see here: http://bit.ly/1klVfbF (Page 12). Kindly also note that if you do have a Credit Card with TD Bank or intend to, a Credit Card Agreement specific to your account is issued at that time of approval and may contain different terms.
For any questions at all that you may have, just give us a ring! We're here 24/7 for you and can be reached at 888-751-9000, or for any credit card inquiries, please reach us on this number: 888-561-8861, also 24/7 for your convenience. As always, you can visit at TD Store for assistance. Our Stores nearest you can be found here: http://go.td.com/1f9DSJR.
Please also know that prior to your trip, we recommend placing a Travel Notification on your account to avoid service interruptions.
We hope this clears things up, Christine. Have a good day.
Megan K, Mount Laurel
July 26, 2016 11:42:49 AM
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