在境外使用借记卡提现时，您可能会遇到境外交易费用。 以下是您需要了解的内容：

国外交易费用：
这些费用通常为购买金额或 ATM 取款金额的 1% 至 3%。
许多银行不仅对购物收取费用，而且对在国外进行的 ATM 取款也收取费用。
没有借记卡的银行境外交易费用：
一些银行提供更优惠的国际使用条款：
第一资本360：无货币兑换费或外国ATM费用，但不报销网外ATM费用。
嘉信银行：境外ATM使用借记卡不收取任何费用，全球ATM手续费无限制报销。
Discover Bank：无国外 ATM 网络或交易费用。
HSBC Premier Checking：无国外交易费用。
Varo Bank：超过 40,000 台 Allpoint® ATM 不收取国外交易费用或 ATM 费用（网络外和国际 ATM 会收取少量费用）。
其他银行或信用合作社的费用：
以下是一些机构的境外交易费用比较：
美国银行：借记卡消费 3%，ATM 取款 5 美元加取款金额的 3%。
Chase：借记卡消费 3%，ATM 取款费用结构相同。
花旗银行：借记卡消费 3%，非花旗银行 ATM 手续费 2.50 美元，另加提款金额的 3%。
公民银行：借记卡消费 3%，3 美元加提款金额的 3%。
五三银行：购买费用为 3.2%（交易费用为 3%，货币兑换费用为 0.2%），ATM 取款费用结构相同。
Navy Federal Credit Union：借记卡消费 1%，ATM 取款 1 美元加取款金额的 1%。
道明银行：借记卡购买收取 3% 的费用，ATM 取款的费用结构相同。
富国银行：借记卡消费 3%，ATM 取款 5 美元加取款金额的 3%1。
请记住在旅行前检查您的特定银行的政策，以了解与海外现金提款相关的费用。 安全旅行！
When using your debit card abroad, you may encounter foreign transaction fees for cash withdrawals. Here’s what you need to know:

Foreign Transaction Fees:

These fees are often 1% to 3% of the amount of a purchase or ATM withdrawal.Many banks apply the fee not only to purchases but also to ATM withdrawals made in foreign countries.
Banks with No Debit Card Foreign Transaction Fees:

Some banks offer more favorable terms for international use:Capital One 360: No currency conversion fee or foreign ATM fee, but no reimbursement for out-of-network ATM fees.Charles Schwab Bank: No fee for using its debit card at overseas ATMs, and unlimited reimbursements for ATM fees worldwide.Discover Bank: No foreign ATM network or transaction fees.HSBC Premier Checking: No foreign transaction fees.Varo Bank: No foreign transaction fees or ATM fees at over 40,000 Allpoint® ATMs (with a small charge for out-of-network and international ATMs).
Fees by Other Banks or Credit Unions:

Here’s a comparison of foreign transaction fees for some institutions:Bank of America: 3% for debit card purchases and $5 plus 3% of the withdrawal amount for ATM withdrawals.Chase: 3% for debit card purchases and the same fee structure for ATM withdrawals.Citi: 3% for debit card purchases and $2.50 non-Citibank ATM fee plus 3% of the withdrawal amount.Citizens Bank: 3% for debit card purchases and $3 plus 3% of the withdrawal amount.Fifth Third Bank: 3.2% (3% for the transaction and 0.2% for currency conversion) for purchases and the same fee structure for ATM withdrawals.Navy Federal Credit Union: 1% for debit card purchases and $1 plus 1% of the withdrawal amount for ATM withdrawals.TD Bank: 3% for debit card purchases and the same fee structure for ATM withdrawals.Wells Fargo: 3% for debit card purchases and $5 plus 3% of the withdrawal amount for ATM withdrawals1.
Remember to check your specific bank’s policies before traveling to understand the fees associated with overseas cash withdrawals. Safe travels!