International fees on your card explained

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There are different types of international fees that apply when you use your NAB Visa Debit cards or NAB credit cards with an overseas merchant. Knowing when you’ll be charged the fees, how much they are and how to avoid them can be confusing. Let’s break it down and simplify it for you.

When using your NAB Visa Debit or credit card for purchase transactions processed outside Australia or in a foreign currency, there are two possible fees you can be charged. It’s important to know that you don’t have to be overseas for the fees to apply.

International Transaction Fees

The NAB International Transaction Fee applies to all NAB personal credit cards except the NAB Visa One Fee-Free Card.

Foreign Currency Transaction Fees

The NAB Foreign Currency Transaction Fee applies to all NAB Visa Debit cards except for purchase transactions on the NAB Platinum Visa Debit Card.

Here are some of the most common examples of when the fees apply.

Shopping online

Do you love online shopping or frequently book holidays or hotels online? If you do, be aware that any transaction processed outside of Australia or in any foreign currency (e.g. USD or GBP) will attract the fee.

It may not always be obvious that your purchase is being processed overseas. For example, you could be on a '.com.au' website and paying for the purchase in Australian dollars (AUD). However, the transaction is actually being processed by the merchant outside of Australia and the fee will apply.

Travelling overseas

The NAB International Transaction Fee applies when you use your credit card overseas to:

make a purchase
withdraw cash from an ATM (a 'cash advance' ¹).

The NAB Foreign Currency Transaction Fee applies when you use your NAB Visa Debit card overseas to:

make a purchase in a foreign currency
withdraw cash from an ATM in a foreign currency.

When buying something overseas, you may be given the option to pay in either local currency or Australian dollars (AUD). In either case, you’ll be charged your card’s international fee.

While it may seem helpful to see the amount you’re paying in Australian dollars (AUD), you should check the exchange rate to determine which option is better for you.

You can find up-to-date Visa currency conversion rates in the NAB app by selecting More from the menu before logging in and selecting Foreign exchange. If you choose to pay in Australian dollars (AUD), be aware that the exchange rate the merchant uses to convert the transaction amount might be different to the exchange rate Visa uses.

If you’re using the NAB Traveller Card overseas, you’ll avoid these fees only if you have the local currency loaded onto your card.

Fee amounts for different transactions
Overseas access	NAB Credit Cards except NAB StraightUp Card	NAB StraightUp Card	NAB Platinum Visa Debit Card	NAB Traveller Card	NAB debit card or NAB Visa Debit card
ATM Cash Withdrawal ²	NAB Credit Cards except NAB StraightUp Card $5 per withdrawal ^3,6	NAB StraightUp Card N/A	NAB Platinum Visa Debit Card $5 per withdrawal ⁶	NAB Traveller Card $0 ^5,6	NAB debit card or NAB Visa Debit card $5 per withdrawal ⁶
Foreign Currency Transaction Fee ²	NAB Credit Cards except NAB StraightUp Card N/A	NAB StraightUp Card N/A	NAB Platinum Visa Debit Card $0 on purchase transactions ⁴ 3% of cash withdrawal amount	NAB Traveller Card $0 ^5,6	NAB debit card or NAB Visa Debit card 3% of transaction amount
International Transaction Fee	NAB Credit Cards except NAB StraightUp Card 3% of transaction amount	NAB StraightUp Card N/A	NAB Platinum Visa Debit Card N/A	NAB Traveller Card N/A	NAB debit card or NAB Visa Debit card N/A
ATM Balance Enquiry ²	NAB Credit Cards except NAB StraightUp Card $1 per enquiry ⁶	NAB StraightUp Card N/A	NAB Platinum Visa Debit Card $1 per enquiry ⁶	NAB Traveller Card $0 ⁶	NAB debit card or NAB Visa Debit card $1 per enquiry ⁶

Important information

^*NAB Debit cards (EFTPOS) may not work with Point of Sale Terminals and ATMs in all countries. Consider a NAB Visa Debit card or NAB Platinum Visa Debit card instead.

¹Cash advance fees and interest may apply.

²These fees will not apply to NAB Flexiplus Mortgage accounts or NAB Portfolio Facility or NAB Private Portfolio Facility sub accounts.

³For transactions accessing linked transaction or savings accounts.

⁴The $0 foreign currency transaction fee only applies to purchase transactions on the NAB Platinum Visa Debit card. You will be charged the fee if you do a cash withdrawal.

⁵4% of total transaction value will be included in the total amount when you use the card to make a transaction (ATM, EFTPOS, internet or phone) and the card does not hold the currency. It also applies when a fee is charged to the card in a currency not on the card.

⁶Some operators may directly charge you a fee.