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.).
Payments and withdrawals can be made without fees charged by Sumeria, subject to the conditions associated with the customer's plan.
These conditions are set out in the Fees and Limits Appendix.
How the card works abroad
When abroad, the customer's card works the same way as on french territory: they can be used 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. This variation may notably be linked to changes in the exchange rate. 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.
By choosing to pay in euros, the conversion is performed by the merchant's bank or the ATM operator. The proposed exchange rate may be less favorable and include additional fees.
To avoid fees, the customer must always pay in local currency with a card.
Fees applicable by certain ATMs
Some ATMs abroad, usually in tourist areas, also apply usage fees. These are typically convenience fees set by the acquiring bank.
These fees are not charged by Sumeria. The amount is usually displayed on the screen before the withdrawal is confirmed. The customer can then choose to cancel the transaction and use a different ATM.
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.