Using your card in the US: The complete guide

If you're planning to travel to the US, you might wonder if you have to carry US dollars (USD), or if you can use your debit card while sightseeing and shopping abroad. Holidays should be relaxing, not stressful — and preparing in advance will help you avoid any unpleasant surprises in the US.Read on to find out if you can use your debit card while in the US, which ATMs are available to tourists, if you risk being charged extra fees, and much more.
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Can I use my debit card in the US?

Whether you’re traveling for business or pleasure, using a debit card in foreign countries like the US can come in handy‌ — not only for convenience but also as an extra measure in case you run out of US dollars. Generally speaking, many establishments in the US accept debit cards, especially cards affiliated with major international payment networks like Visa or Mastercard.

Are debit cards widely accepted in the US?

Debit cards have become increasingly popular and widely accepted in the US, especially in urban areas and tourist destinations. Many establishments, including restaurants, hotels, and retail stores, have card payment terminals that accept debit cards from major international networks like Visa and Mastercard.While major cities and tourist areas in the US typically accept debit cards, some smaller shops, local vendors, or remote locations may only accept cash. Carrying some US dollars for these situations is always a good idea.
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Tips for using your debit card in the US

Follow our tips for a smooth and secure experience when using your debit card in the US:
  1. Before traveling to the US, notify your bank about your travel plans. This prevents your card from being flagged for suspicious activity, and you can access your funds without any fuss.
  2. Always carry some US dollars for small purchases, street vendors, or establishments that only accept cash.
  3. When using your debit card or ATMs in the US, always opt to be charged in US dollars to avoid higher exchange fees. The exchange rate offered by your bank will usually be a better deal than the rate at the ATM or card terminal, so it’s smart to pay in local currency.
  4. Keep your debit card secure, and always cover the keypad when entering your PIN.
  5. Use ATMs in well-lit and secure areas, such as banks or shopping malls. Withdraw larger amounts less frequently, and try to choose ATMs with lower withdrawal fees.
  6. Always check your transaction receipts and monitor your account activity regularly. Report any unauthorized transactions to your bank immediately.

Using ATMs in the US

Most ATMs in the US are equipped to accept international debit cards. These ATMs typically display logos of international card networks like Visa and Mastercard. When inserting your card, the ATM usually prompts you to choose your preferred language and transaction type. Most ATMs in the US limit withdrawals to anywhere between $300 and $1,000 daily and often charge a transaction fee of between $2 and $5.Several banks in the US are known for being more accommodating to international cardholders, including JP Morgan Chase, Wells Fargo, Bank of America, and Citibank. You can also use ATMs in grocery stores, shopping malls, gas stations, bars, restaurants, and convenience stores.
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Say goodbye to exchange rate markups

N26 never marks up foregin exchange rates. This means we pass along the real exchange rates provided by Mastercard to you—no hidden fees or confusing small print to ruin your holiday.
Foreign transaction fees to look out
Illustration of currency exchange.

Paying with your N26 card when traveling

N26 doesn’t hide fees or add a foreign exchange rate. We also don’t tack on extra charges for rare currencies or for paying on the weekend. Spend abroad and benefit from Mastercard's real exchange rate.

Withdrawing money abroad is free with N26 You. Anywhere.

N26 You gives you free withdrawals in currencies around the globe, saving you up to 7% on fees. That means N26 You pays for itself in just a few trips.

FAQs

    Visa and Mastercard are definitely the most widely accepted debit card networks in the US, as well as Maestro, American Express, and Discover. Travelers with these cards benefit from accessible and convenient payments and cash withdrawals. Before traveling to the US, check if your debit card is affiliated with one of these major networks.

    Although using your debit card in the US is usually safe, being aware of potential risks can help you and your funds stay secure. Using trusted ATMs and practicing good card and password handling habits can improve your financial safety while you’re exploring the US.

    You can use your debit card to withdraw cash in the US from several different banks, such as JP Morgan Chase, Wells Fargo, Bank of America, and Citibank, as well as ATMs in gas stations, shopping malls, and convenience stores. But be mindful of your daily withdrawal limits! To withdraw large amounts of US dollars, you may need to make multiple transactions over a few days or temporarily increase your withdrawal limit through your bank or banking app.

    Yes, using your debit card in the US may incur fees. Some banks charge between $2 to $5 when using an international card. At N26, all our accounts come with free card payments worldwide — as often as you like and with no foreign transaction fees. And remember: When in doubt, always choose to be charged in the US’s local currency, the US dollars (USD).

    Using ATMs in the US is generally safe. However, that doesn’t mean you should throw your good security habits out the window! Boost your financial safety by choosing secure locations, inspecting ATMs for signs of tampering, shielding your PIN, and monitoring your account activity closely.

    Losing your debit card or having it stolen in the US can be challenging, but it's not the end of your travels. Once you realize your debit card is missing, contact your bank's customer service or international helpline to report the loss or theft. Provide details such as your account number, card number (if you know it), and the date and location where you last used the card. With N26, you can easily lock your card or turn off international payments, right in your N26 app. Here's what else to do if you suspect a fraud.

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