Physical payment cards, contactless cards (subject to a compatible terminal), or virtual cards allow payments and cash withdrawals free of charge worldwide, in any currency (except in countries prohibited by OFAC). However, certain conditions may give rise to specific fees (currency conversion, withdrawals outside the euro area, etc.). These conditions are set out in the Fees and Limits Appendix.
How the card works abroad
When abroad, the customer's card works as usual: they can use it to pay in stores and withdraw cash from ATMs.
After each payment, the transaction appears in the transaction's history. The amount of the payment is displayed in euros and the value of the transaction in local currency is shown on the payment receipt.
The amount paid abroad may rise or fall slightly after a payment. To find out more.
Exchange rate to be set on the payment terminal abroad
Merchant's payment terminals and ATMs generally offer customers the option of using their own conversion rate for the transaction.
Customers must select “NO” to use the actual Visa exchange rate.
If the customer accepts the proposed exchange rate by clicking on "YES", the conversion will be carried out by the merchant's or distributor's bank. This might expose the customer to higher change charges.
To avoid fees, the customer must always pay in local currency with the card.
Deactivating payments abroad
You can use the application to make a card unusable abroad. To do this, simply deactivate the "Payment abroad" option in the card settings. Find out more about card-related functions.
Blocking your card
If your card is lost or stolen abroad, you can block it (and then unblock it) in just a few clicks from your card settings. To find out more.