Understanding how your Visa gift card works internationally. Learn about foreign transaction fees, currency conversion rates, and balance impacts when traveling.
Check your balance after international purchases using the international card balance checker to see converted amounts and any applicable fees.
Important information about gift card usage outside the United States
Most Visa gift cards work only in the U.S. and territories. Check your card terms or look for "Valid only in the United States" on the card.
Some prepaid cards are specifically designed for international use. These cards clearly state "International" or "Global" on them.
Before traveling, call the number on your card to confirm if international transactions are allowed and any restrictions that apply.
Understanding how international purchases affect your card balance
Foreign Transaction Fee: International-enabled cards typically charge 2-3% of each purchase amount. A $100 purchase might cost $102-103 from your balance.
Currency Conversion: The exchange rate used is set by Visa on the transaction date. This rate may differ from rates you see online or at exchanges.
ATM Withdrawals: International ATM use often incurs additional fees - both from the ATM operator and your card issuer, typically $3-5 per transaction.
Dynamic Currency Conversion: If offered to pay in USD abroad, decline. This convenience option typically has worse exchange rates than standard conversion.
Tips for managing your balance when dealing with foreign currencies
Add 3-5% to foreign prices to estimate the total charge to your balance, accounting for conversion rates and fees.
International charges may take 3-5 days to post. Keep receipts and note the local currency amount for reference.
Keep extra funds on your card when traveling to cover unexpected fees or exchange rate fluctuations.