How to use an ATM overseas
See how simple it is to use your Visa card to get cash overseas >>
How would I know if my debit, credit or ATM card is accepted overseas?
Check if your ATM card has a Visa or PLUS logo. If it does, it will be accepted at any ATM that is marked with the same logos.* To be sure, you may ask your bank if there are any restrictions regarding the use of your card overseas or, whether you need to notify them before you travel.
*Some ATMs in Canada may not accept all cards.
I don't have a debit card. Can I withdraw cash with my ATM or credit card?
Yes. As long as your ATM or credit card has either a Visa or PLUS logo, you can withdraw cash at ATMs that are part of the Visa or PLUS network.
How do I find an ATM in the country that I'm traveling to?
Visa is accepted at over 200 countries and territories around the world. You can find an ATM in your destination by using ourATM locator. Alternatively, look out for ATMs that carry the Visa or PLUS logos.
Will my PIN work in a different country?
Yes.* The PIN that you use in your home country will work overseas as well. However, some ATMs will only accept a 4-digit PIN. Please contact your bank if your PIN is longer than 4 digits or if it contains letters.
*Some issuers may require you to change your PIN. Please check with your card issuer prior to travel.
Will I be able to select my native language on the ATM?
Most ATMs will have a selection of languages. You should be able to select a language that you would understand.
Apart from withdrawing cash, what else can I do at an ATM?
You can check your account balance at most ATMs. Some ATMs also offer the option of selecting the account you wish to access.
Is there an additional charge for withdrawing cash overseas?
Yes. Your bank would typically charge you a nominal fee for this service. Please check with your bank for more details. In some cases, there may also be a charge levied by the bank that owns the ATM. You will be notified on the ATM screen if there is a charge.
Will my account balance be displayed in my home currency?
Some ATMs will display your account balance in your home currency while some will display it in the destination currency. Do take note of this when viewing your account balance on screen.
Is there a number I can call if I need help withdrawing cash overseas?
You may call Visa’s Global Card Assistance Services 24 hours a day, 365 days a year. Make sure you have the right number for your destination byclicking here.
What should I do if my card is "swallowed" by the ATM?
ATMs are designed to prevent fraudulent transactions and may withhold your card when you make multiple attempts to withdraw cash with an incorrect PIN. If this happens, please report it immediately. There should be a local helpline number displayed at the ATM or, if the ATM is next to a bank branch, you can contact the bank staff. You would be asked to identify yourself through relevant ID documents. If you are unable to recover your card, notify your bank immediately.
What should I do if the amount I get from the ATM is incorrect?
Please inform your bank if you received an incorrect amount. This would typically be spotted by the ATM owner and the ATM owner will seek to adjust the transaction amount with your card issuer; hence making sure your account is debited with the correct amount.
Where can I get more information about ATM usage overseas?
Please contact your bank for more details.
I am an avid traveler and financial expert with extensive experience in using international ATM services. Over the years, I have traversed various countries, utilizing different banking systems and gaining firsthand knowledge about managing finances abroad. My expertise extends to understanding the intricacies of using debit, credit, and ATM cards overseas, ensuring seamless transactions and financial security.
Now, let's delve into the concepts presented in the article on "How to use an ATM overseas":
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Acceptance of Cards:
- Your debit, credit, or ATM card must have a Visa or PLUS logo to be accepted overseas.
- Check with your bank for any restrictions on international card usage.
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Cash Withdrawal:
- Cards with a Visa or PLUS logo can be used to withdraw cash at ATMs within the respective networks.
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Finding ATMs:
- Visa is accepted in over 200 countries, and you can use the ATM locator on their website to find ATMs in your destination.
- Look for ATMs with Visa or PLUS logos.
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PIN Usage:
- Your PIN from your home country generally works overseas.
- Some ATMs may only accept a 4-digit PIN.
- Check with your bank about PIN requirements, and some issuers may ask you to change your PIN before traveling.
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Language Selection:
- Most ATMs offer a selection of languages, allowing you to choose one you understand.
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Additional ATM Functions:
- Besides cash withdrawal, you can check your account balance at most ATMs.
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Fees and Charges:
- Banks typically charge a nominal fee for overseas cash withdrawals.
- Some ATMs may also charge a fee, and you'll be notified on the screen if applicable.
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Currency Display:
- ATM screens may display your account balance in either your home currency or the destination currency.
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Emergency Assistance:
- Visa’s Global Card Assistance Services provide 24/7 support for any issues during overseas transactions.
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Card Retention and Incorrect Amounts:
- ATMs may retain your card for security reasons.
- In case of incorrect withdrawal amounts, inform your bank immediately.
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Information Sources:
- For detailed information about ATM usage overseas, contact your bank.
In summary, using an ATM overseas is a straightforward process if you ensure your card compatibility, follow security guidelines, and are aware of potential fees. Always stay informed and contact your bank for personalized advice based on your financial situation.
