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Bank of America BankAmericard Travel Rewards Credit Card Review

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Bank of America Travel Rewards Card

The Bank of America Travel Rewards card is perfect for the traveler seeking hassle-free and straightforward rewards. It comes with no annual fee and no foreign transaction fee, and offers a flat 1.5 points per $1 spent on any purchase, period. That alone puts it ahead of other free travel cards, even the esteemed AmEx Blue Sky, which only nabs you 1.3 points per dollar (due to the special point value of AmEx’s system).

And the rewards go on. The Bankamericard Travel Rewards credit card also gets you 3 points per $1 spent on travel purchases through the Bank of America Travel Center. The current promotion lets you spend $500 in the first 3 months and receive 10,000 bonus points. Plus, if you have a bank account with Bank of America, you also enjoy a 10% bonus on your points at the end of each year, which is a great way to get max rewards. Not too shabby.

So, how does Bank of America travel rewards work? To be clear, these “worldpoints” are fixed value points. That means you can redeem them for statement credit towards any travel expense. You can’t transfer them with frequent flyer programs. No need to whip out the calculator: these babies go at the usual exchange rate of 1 cent per point.

But here’s where redemption gets really interesting: for some reason, Bank of America defines travel expenses pretty broadly. This covers not just booking air travel, airlines purchases, car rentals, etc., but also tourist attractions such as aquariums and “recreation services not elsewhere classified.” We’re not sure how to take that but it sounds pretty good.

As a Visa Signature card, it comes with the usual privileges such as car rental insurance, and of course requires a good to excellent credit score. It also comes with smart chip technology for added security and travel ease. Check out our guide to the details below.

Today’s feature: Bank of America BankAmericard Travel Rewards credit card review

Next in the line is Bank of America’s BankAmericard Travel Rewards card, one of my favorite credit cards, and one of the most under-rated rewards credit cards.

Unlike the other card which targets consumers with a high portion of everyday spending allocated to grocery and gas purchases, this card focuses on travelers. Still, both bearing the BankAmericard brand, these two cards offer very similar benefits. To avoid repeating myself, I will highlight the main features, and if you’d like to read into the features, you can refer to my review of the Cash Rewards card.

Bank of America’s credit cards: an insider’s view is my blog post that describes the hidden benefits of owning a BofA credit card. Check it out!

I. Non-loyalty points rewards

The rewards type is non-loyalty points , where points are redeemed at a 1 cent per point ratio for travel expenses. “Travel” is very broadly defined. I have skimmed through their program details and found that travel expenses include purchases from:

Airlines, air carriers; Lodging-Hotels, Motels, Resorts; Car Rental Agencies; Cruise Lines or Travel Agencies and Tour Operators; Passenger Railways; Transportation-Suburban and Local Commuter Passenger, including Ferries; Bus Lines; Transportation Services; Real Estate Agents and Managers—Rentals or Timeshares; Campgrounds and Trailer Parks; Motor Home and Recreational Vehicle Rental; Tourist Attractions and Exhibits; Amusement Parks, Carnivals, Circuses, Fortune Tellers; Aquariums, Dolphinariums, Zoos, and Seaquariums; Boat Leases and Boat Rentals; and Recreation Services-not elsewhere classified

Not sure how to comment on this extensive list. I bet massage services in your home city count, too

1. Reward formula: 1.5 points per dollar on everything. If you book travels through Bank of america’s Travel Center, a practice that I do not necessarily recommend, you’ll earn 3 points per dollar. If you have a banking account with BofA, you’ll get an annual 10% points bonus, making your earning rate effectively 1.65 points per dollar.

2. Redemption option: Point redemption works in the form of expense reimbursement: you pay the expenses up front, then get partial credit back. You get a credit of 1 cent per redeemed point. Travel expenses will be available for redemption online for 6 months, and by phone for 12 months, from the posting date of the transaction.

3. Minimum amount for redemption: 2,500 points

And since the list of expenses eligible for point redemption covers most recreation services, points are as good as cash. I view this Bank of America’s BankAmericard Travel Rewards card as a 1.65% cashback rewards credit card.

1. No foreign transaction fees

Credit cards typically charge you 3% for purchases in another currency. Sometimes when you purchase a service whose office is based in another country such as hotel booking through hotels.com, you’d have to pay the foreign transaction fees since the transaction is in a foreign currency. With the BankAmericard Travel Rewards credit card, you won’t pay these fees.

Concierge service is actually a very helpful feature of this card. Sometimes when you travel to an unfamiliar location and need to get tickets for special events or find places that satisfy certain requirements, this concierge service will be very helpful: somebody else will actually do the legwork for you. I’ve tested this function out myself: their concierge, Silvia, was able to find very detailed information on shark viewing tours on Oahu, Hawaii, down to the prices, schedules, and pick-up locations.

The following features are common between this card and the Cash Rewards card:

  • Purchase Replacement
  • Purchase Guard
  • Auto Rental Collision Damage Waiver
  • Emergency Travel Assistance
  • Common Carrier Travel Accident Insurance

III. Interest rate and fees

  • Overdraft Protection
  • ShopSafe
  • EMV Chip Technology
  • Tap&Pay
  • Mobile Banking and Text Banking

  • $100 cash back bonus after $500 in purchases in the first 90 days of account opening
  • 0% APR for 12 billing cycles

Bank of america travel booking I carried this card with me on my last international trip

In short, the Bank of America’s BankAmericard Travel Rewards is a very good no-annual fee, 1.65%-earning credit card that carries no foreign transaction fees and offers a complimentary concierge service. If you want a simple rewards card with a straightforward, high earning rate, you should consider this card. I have the card myself, and have been very satisfied with it. Together with the Cash Rewards card, this credit card will stay with me forever.

15 thoughts on “ Today’s feature: Bank of America BankAmericard Travel Rewards credit card review ”

Did you apply for this card while still under secured card status? I am diligently following your blog (thank you for all the tips!) and I applied and got a bofa secured card this year. Can’t wait for it to graduate next year. However, I am currently taking my junior year abroad and the foreign transaction fees on the cash rewards secured card are not fun. I am considering applying for the rewards card but I am not sure if it is wise to do that now. What do you think?

Yes, I got this card while my first card, also from Bank of America, was still a secured card. I don’t know how you’ll work out the foreign address issue; I’m pretty sure you need to have an American address to apply for a credit card, and then you’ll need to get the card sent to your foreign address. What you can do is request early graduation for your card; I have heard people getting success with just 6 months of history on the card. And once the card graduates you can request a product change to the Travel Rewards card; that way you won’t have to deal with the address issue, but you’ll miss out on the sign-up bonus.

Wow, thanks for your quick reply! I still have my US address, it is just my box at my college so if i were to get the card, my mail center would forward it to me. I was just curious as to whether BofA would be willing to issue it to someone whose card is still a secured card.

By the way, some back story: I’m an international student like you, and I applied for credit cards my freshman year, and sophomore year and got denied each time. I didn’t know enough about credit cards yet to know that I stood virtually no chance. Then this year, I stumbled upon your blog and applied for the secured card based on your recommendations. I did not previously have an account with bofa, so i opened one at the same time i applied for the card. I stupidly forgot to ask for the rewards version and I didn’t have a personal banker so i was given the ordinary one. In August, i tried to apply for the Travel Rewards since I was going to spend my junior year abroad and i got denied. I applied on the phone. When I went back to the branch where I opened my accounts but the person I spoke to didn’t mention the possibility of a manual overide. I don’t blame her, I had the card for only 3 months, and though I was doing every thing right, I guess she assumed that the response would be the same anyway – a denial. She however did arrange for me to be upgraded to the Cash Rewards.

Fast forward to today, I was just googling the Travel Rewards card again, I used the exact search phrase : ‘bank of america travel rewards secured’ and the first link was your blog which I had completely forgotten about. Anyway, I went on to read and read more and more on your blog, I have almost read every post you have made on credit cards!

While reading, i stumble on https://hiepsfinance.com/2013/01/30/bank-of-america-is-awesome/ . There you mentioned how your bank manager had gotten you in touch with someone who could do a manual overide, so it occured to me to try that. Even though currently abroad, and without a referal from a personal banker, I called bofa, and asked to speak to a credit analyst and requested them to reconsider my application for the credit rewards card which I had made in August, right before traveling abroad to begin my junior year, and 3 months after opening my secured card in May

I made that application by phone and was instantly denied. Anyway, after a long hold on the phone while my account was reviewed (during which I was shaking) , the senior credit specialist gave me something very similar to your suggestion. Instead of graduating my card, she would close my secured card and get me the Travel Rewards card if I so desired! She told me something I didn’t know, which is that bofa does not give college students more than one credit card which is why she would be unable to give me the Travel Rewards card in addition to the secured Cash Rewards card.

So I was quite shocked, I didn’t expect that since I’ve only had my secured card for 5 months, but fortunately, i’ve had no late payments and i’ve always paid my balance in full soon after my statement was released as you have always recommended. Anyway, I told her that I would think about it, simply because I don’t know enough about cards, like you, am an international student coming from a country where credit cards are not a thing!

What would you honestly advise me to do? I am scared of this early graduation route because I’d like to keep both cards so that the great history I’ve already built on this secured card stays. I think that since I will be getting a new card and not graduating, I will not have your experience of retaining the history. I plan confirm that when I call back bofa after hearing from you because that is something I’d really like to know and I believe you’d like to know as well.

I’m confused because the point of my getting the secured card was to be able to graduate in the future, so if bofa is ready to kinda sorta graduate me early, i feel as if I should be jumping at the opportunity, right? However, I’m just not sure if this graduation means that I will now be issued a non-secured card and have my huge deposit returned or if I will be given a Travel Rewards Secured Card if that even exists, but I highly doubt that.

I was too shocked at the offer when speaking with the analyst that it didn’t occur to me to ask all these questions. I was also scared, hehe, I come from a third world country where officials change their minds at will, and I wondered if I asked too many questions, maybe the offer would be withdrawn, so I just made sure the offer would stand if I called back later to accept it because I wanted to hear your advice since you are clearly more knowledgeable about this than I am. The analyst assured me the offer would stand and gave me a direct no. to call as well as a ref. no.

What would you honestly advise? Should I graduate to the Travel Rewards card now, or should I wait until my secured card automatically graduates, and apply for a Travel Rewards card then? The way she said it, it sounds like if I go through with the offer, I wont even have to lose the sign up bonuses! That is enticing, but I just want to make the best decision for my long run credit history. Unfortunately, since I am a college student, that would have to be after I graduate college, and since every case is different, I don’t even know if I will have the same fortune as you have had. I’m so confused and excited.

P.S I realise this comment is very long, and sounds very rambling. I have no other way of contacting you which is why I am sending it through this, I look for an email address on your blog but I didn’t find any contact info. Thanks so much and I promise to keep you updated on this, whatever happens, especially if I do get the card, I will definitely reply with a shorter comment to say what happened and maybe you can feature my story on your blog or I can write about it myself! If you feel it is too long or gives away too much personal information or what not, please feel free to edit it.

Thanks Richard, you have helped me get this far in my credit journey!

In the earlier stages of credit building, the length of credit history is very important. Even though you will not lose the history with the secured card, the history with a closed card has less significance than that with an open card. If you see yourself applying for another card within the next 6 months or a year, I would strongly advise not closing the first card. Given the fact that the credit analyst was willing to give you a non-secured Travel Reward card, your credit profile must be good enough to warrant a non-secured card from Bank of America. If that is the case, early graduation should be feasible; after all, graduation is simply a product change: your secured card becomes a non-secured card. If you decide to request early graduation, definitely bring up the previous credit analyst’s offer to justify the request.

Do you have any other concerns?

Thanks, Richard! I was worried about this exactly and I’m glad I didn’t accept the offer on the spot.

Please correct me if I am wrong, but if I were to request early graduation and then a product change, as your first reply recommended, wouldn’t they still close my just graduated card in order to effect the product change?

That was the way I understood your comment, which is why I didn’t even ask for a graduation when I called bofa, I only asked them to kindly look into my denied Travel Rewards card application.

If it will just be the same card with all the credit history remaining intact seamlessly, I would solve my problem of the foreign transaction fee while also graduating much sooner than i even imagined was possible – that would just be wonderful.

A product change only modifies the reward structure of the credit card and some benefits and terms; everything else, including the history of the card, is not affected. So no, they will not close your card. It will be the same card with a new reward structure.

In fact Bank of America Travel Rewards card gives back only 0.9% and not 1.5% or 1.68%. It does give 1.5 points for every $1 spent but the cash redeeming rate scales it back to 0.9%.

Cash redeeming rate is NOT 1 cent for every point.

Of course the marketing language touts the $1 to 1.5 points even giving you charts with money spent and points redeemed but there is no chart about points to redeemed cash. Only when you want to redeem the points you get the realization that the 1.5% is in fact 0.9%.

Therefore, look for other cards that give you at least 1% CASH back. The points is only a nice tool for marketing to lure math challenged customers.

You get the rate of 1 cent per point only when you redeem points toward travel purchases. This is a travel rewards card; the best redemption rate is always for travel. If you redeem points for merchandise or anything else, you will not get 1 cent per point.

Every time I have redeemed 2,500 points, my credit card balance was reduced by $25; that is a rate of 1 cent per point, unless I did my math wrong.

How To Avoid Bank of America’s International ATM Fees

Bank of america travel booking

It’s always smart to check with your bank to see if they have any international partners so you can get the withdrawal fee waived (usually $5). For example, I use Bank of America and their foreign partners are:

-Barclays United Kingdom ((England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands)

-ABSA (South Africa)

-BNL Banca Nazionale Del Lavoro (Italy)

-BNP Paribas (France)

-China Construction Bank (Mainland China, excluding Hong Kong)

-Deutsche Bank (Germany and Spain)

-Scotiabank (Canada, Mexico, Peru, Chile, and the Caribbean countries: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, St. Maarten, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, St. Vincent & The Grenadines, Trinidad & Tobago, Turks & Caicos Islands, and US Virgin Islands)

-Westpac (Australia & New Zealand).

What’s your best money saving tip for international travel?

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88 Comments on "How To Avoid Bank of America’s International ATM Fees"

Do you know any Russian partner?

Does Boa have any partners in South Africa?

Yes, ABSA, one of the biggest banks in SA, belongs to Barclays. I withdrew several times with my Deutsche Bank card, no fees whatsoever, not at the withdraw, not afterwards. Confirmed afterwards I got the exact exchange rates every day, impressive!

Capital One does not charge a foreign transaction charge on anything overseas. Cards like Visa and Amex charge 2-4%. And you get points. As a tour guide this saves a lot of cash.

BofA debit cards do not have chip and pin technology. Will I be able to use my debit card at a BNP Paribas ATM in Paris?

Yes. I used mine a few months ago

As a Bof A customer in the US, can I use a Barclay’s or BNP bank anywhere in Europe and avoid fees or only Barclays in the UK or BNP in France to avoid fees? I am going to Greece. Thanks

I think so but I would call them to ask

Does BoA have any partners in Turkey?

Not as of last summer

any BOA in Panama city, Panama or partner

Do you of any partners in Latvia, or if it’s possible to use ATM’s in LAtvia?

Best way to open bank account in New Zealand? Will be travelling there in a few months for a year. Does Westpac partner with BofA?

Good for you! I’m not sure so best to call

Bank of America still charges an International fee even if you use ATM at Santander in Mexico. I know!

True! They even take the $5 twice

I contacted Westpac NZ before I went there, and they let me open an account when I arrived. I deposited US cash to open it, then I wired more funds into that NZD account from my USD account in US. They also partner with BofA if you want to use your BofA debit card in the NZ ATMs. You might also save on the currency conversion fees by using xe.com to do the transfer to NZ account. XE sometimes has better conversion rates than Westpac.

Pls can are use my debit here Italy

Sorry to say … the rules have changed as of the 8th of this month. Expats in Mexico are dumping BoA by the bunch. 3%+$5+ATM fee is way too much for real Expats

I believe Mexico and Santander recently lost partnership…. I’m now getting charged a PERCENTAGE. Taking out 178US cost me over 8US DOLLARS… Not happy

They are still partners, but as sparks indicates the BoA rules have changed. Unfortunately I have no idea what the next best card / bank would be to avoid fees.

Scotiabank is supposed to be a BofA partner yet, they’re charging me 3% of the amount I withdraw. This is madness! $600 US would cost me $18 and since I’m in Barbados, that’s $36. I’m done with them! It used to be if you get dir dep Soc Sec there’s no charge. Not anymore! Robbery!

Bank of America is charging you fees because you are using an ATM not in the USA. You should be using Scotiabank ATMs in Barbados.

I AM using Scotiabank ATM !!

the 3% fee is currency conversion fee, the difference between buying and selling foreign currency.

Even though my BofA card is just a debit card there is at least a 3% foreign currency conversion charge when paying for things. Capital One, some Amex cards, have a zero currency conversion fee. As for ATM’s, I use Ally Bank as zero fee.

Where can I use my Bank of America debit card to withdrawl cash in Hong Kong

I used a citibank when i was in hong kong. The fees applied.

can you make a deposit at a Bank of America ATM in Diano Marina Italy?

Sorry, guys. They did change. Now they charge 3% even if it is a partner atm. Info here:

I hope someone finds a better option for international withdrawals and posts it here.

Bank of America is such a rip off, scam, tax payer swindling operation it makes me sick. 3% of every dollar withdrawn at Deutsche Bank!

The article states that you will be waived the transaction fee, not the currency conversion rate.

It’s the same with Westpac in Australia, they started charging a transaction fee. NOT HAPPY, what a rip off

Friends. I think I might have found a solution. I just opened an online account with CapitaOne360. They give me acces to the huge allpoint ATM network all around the world, supposed to be no fees. Waiting for the Account to be confirmed, I will keep everybody posted when I am sure it works.

Hello again everybody. I am writing to confirm that there are no fees on Allpoint ATM’s when using your capital one 360 card in the UK (Allpoint ATM network is available in: Australia, Canada, Mexico, Puerto Rico and UK). Here is the link to the website: http://www.allpointnetwork.com.

Just a heads up, it is very important when withdrawing money that you do the transaction in local currency. The machine will ask if you want to do it in USD. Choose to do it without the conversion (In my case it was pounds). It’s a scam if you do it in USD. I didn’t know and ended up paying almost 10% more the first time. (Only withdrew a small amount, I was testing the rate first). Here is the link to open an account in Capital One: https://home.capitalone360.com

I did everything online, I am currently in London, so I had the card sent to me from home.

I hope this post helps, it has been a long journey for me to find a solution.

Hi! I can confirm, there are NO charges/fees for international transactions or ATM withdrawals (from ALL POINT NETWORK ATMS’s) with a Capital 360 Checking account. I had been a BofA customer for 14 years and just switched. I travel frequently and refused to get charged a 3% currency exchange fee every time I withdrew my own money from a partner bank in the UK. Ask for Jeff Mitchell when you call Capital One 360 – he was AMAZING!! (Currently they are offering a $50 bonus when you use your debit card three times in 45 days. Yes, please!)

Great to know. Mine should arrive in a copule of days.

My friend told me Charles Schwab bank’s ATM card will refund you any ATM transaction fee charged. I applied one for my spring Europe travel.

HI! i will be traveling to paris this june 1st-august 1st. Since BNP paribas is partners with BOA, i can just bring my debit card along with me, and just find a local BNP bank or atm and just pay a 3% fee with that exacty card? I dont mind paying 3% fee rate which is nothing compared to the idea of converting 1800 USD with BOA in the states and only getting about 1000-1100 euros….

That is correct! See this link http://locators.bankofamerica.com/locator/locator/LocatorAction.do and click “international locations”. But why not use a credit card without foreign transaction fees so you are protected and can earn miles/points? Here’s a list of some good ones https://www.johnnyjet.com/travel-deals/best-travel-credit-cards/

I am going to receive a check from the UK for 100 pounds. I am having a hard time trying to get it exchanged for US dollars. I have a Bank of America account and read that Barclays (UK) has an agreement with them for a non-fee exchange for pounds for dollars. Can I take a British check in pounds to my BOA branch and get it exchanged for dollars? And would there be a fee for this exchange? Another bank said it would cost $35 to exchange the check. What is the best and cheapest way to make the exchange?

Thanks, JohnnyJet, for your quick response and information. It is really appreciated. Today i’m going to my BOA branch and ask them about the exchange of pounds for dollars, backed up, of course, with your valued response to my question. Thanks again for your help.

I went to my BOA branch and asked about the exchange and their response was: bring the check in and we will exchange the British currency for dollars–which takes a little time–and then deposit it in your account. There was no mention of exchange fees. The bank manager didn’t mention Barclays UK at all. I was wondering if I should ask the UK company that’s forwarding the money if they have a Barclays account so they can send it directly to my BOA account? Does that make sense, and is it a fair question to ask them? Thanks again, in advance, for your help.

Do you have partneŕs bank on Cameron?

If Santander (Mexico) its a partner, also Santander (Spain) should be?

Were you able to figure out the answer to this? I need a partner bank in Spain.

Bank of America.

Santander bank is a partner of BOA in Spain.

Does BOA affiliate with any banks in Japan and Macau? Do you have a list of all BOA affiliate banks globally?

Hi, But in Mexico even if you dont pay the fee for using the Bank Santander, BofA still charges the 3% for international transactions?

If you buy euros from BOA in the states they tack on 5%.

I’m curious, if I have a bank of america account, and I withdrawal from scotiabank in Peru (which is an affiliate of BofA), will I still be charged the 3% conversion fee even if I am withdrawing in dollars and not the peruvian currency?

Good question! You would have to ask them to find out for sure.

hello there, I used my Canadian Scotia bank card at a ATM in America and I was surprised at the result. I withdrew 180 American and my bank statement said I took out 214 dollars, is that just exchange rate? Or is that not suppose to happen?

I been happy with BofA until they removed their : Safe Send program (sending money to Mex with out a fee) and now they are charging me a ridiculous 3% to use my money internationally; if I use my debit card or take money out of a Santander bank in Mex. If I were to take money out of another atm they penalize you with an additional $5 usd !! I defiantly changing banks soon to Capital One or something else.. does anyone have more reviews about using Capital One out of the country and how accessible atm are?

Does BofA have a partner bank in Austria?

If I go to use any ATM while I’m there, does it work the same way as it does in the U.S.

where you can withdraw money from any ATM even if it’s not your bank’s ATM or

Is it different?

I want to use my Bank of America debit card in Australia at Westpac ATMs.

Has anyone done this recently? I think Bank of America will deduct 3% of the US amount, but I won’t pay an ATM use fee and I will get that days conversion rate. Is this correct?

My big thing is this. I withdraw from ScotiaBank here in Canada and I always get charged fees after withdrawing. Referring to BoA’s FAQ’s, since I’m using their partner, I should get no fees charged after this. I wonder if they’d reimburse me. I just found out they’re not supposed to charge me so it’s a lot in fees.

Carry notes if you can. Withdrew in Brazil and payed three different service fees. Made the whole thing useless.

Does Bank of America have any partners in Jakarta and Bali, Indonesia

One of the best ways I have found to completely avoid ATM fees, especially if you need $100.00 or less to buy that souvenir or snack is.. go to Wal-Mart or Kroger! In American every retail chain store will give you and even asks electronically “Do you want cash back” some have limits but have none that I am familiar with has a problem giving you the limit, many times, so if you need a substantial sum of cash stock up on candy bars, one at a time and get cash back. It the sum is that great, pay the ATM fees but for $100.00 find an American drug store!

Get a Charles Schwab brokerage account (it’s free) and immediately open a Charles Schwab high yield interest checking account. They will send you an ATM card with the chip. You can use any ATM all over the world, CS charges no fees and if the ATM you use charges you a fee, Charles Schwab will rebate it back to you on your statement. You can set up automatic deposits from your normal checking account to the CS account, or you can sign up to have CS allow you to make random transfers by phone at your convenience (you must wait 4 days for the funds to clear, though). I opened this account the minute BOA changed its fee structure with regard to cash withdrawals and even purchases overseas….it cost me way too much money, just excessive greed to a platinum customer! Bad move

Thank you Marnie. From all my research on access and transfers abroad it seems CB is best hands down. Thanks for confirming. I’m switching to them!

Thanks Johnny. I’m with BofA too and this is great help. Best.

I will soon be receiving my ATM Card from Bank Of America being sent to Australia.

1. Which bank in Australia can I withdraw funds??

2.How do I transfer the money ftom the ATM Card into my Australian NAB Bank Account

I didn’t read all 80+ comments….my international ATM travel suggestion is to move away from Bank of America. (I do currently have one of their cards but never use it because of the high uncalled for fees). Check out Charles Schwab. I have been using their card for the past two years and they are amazing. They have zero fees plus when they ATM does charge you at the end of every month you get all those fees back.

I am studying abroad (italy)

I am going low on cash and I am very nervous/confused with the whole international/exchange fee. Any recommendations and tips of what bank to use?

Hi Johnny, Have you ever herd of Skyluxtravel.com, or can you recommend a site for discount business class airline seats? Thanks!

I haven’t heard of them

My BofA debit card has a six digit PIN. Can I use it to withdraw cash from a BNL ATM in Italy.

As I understand, European ATMs are programmed for four digit PINs.

I believe you do need a four digit pin

Anyway you can question BOfA as a reporter why they don’t have a relationship with an American Bank in an American State that being Hawaii. Why can’t we get no ATM fees here?

No BNP Paribas ATMs in CDG airport when you get to Paris. Sad.

Your article needs an update. I’m in Santiago. To my surprise BoA’s partner ScotiaBank, Chile charges a USD$8.00 ATM fee for a maximum daily withdrawal of 200 Chilean Peso – around USD$300.00. 4 withdrawals from my USA savings account was a costly USD$32.00. I called BoA’s toll free USA number to ask why I was charged a USD$8.00 fee. The sad reply is that BoA no longer waves transaction fees at ScotiaBank.

I use the free account from Schwab when traveling so that I don’t get charged any fees from Schwab… and they’ll reimburse any fees that I’m hit with from the ATM owner.

1. The BoA debit card won’t help in CDG Paris airport because no correspondent bank ATM in the airport.2. I can’t find any other US bank besides BoA with fee free ATMs abroad.

Can I withdraw money from Scotland Edinburgh I use boa

Yes, though Barclays Bank but you still will have to pay the 3% foreign transaction fee (plus the conversion rate). You save on the $5.00 ATM fee though.

I just traveled to Fiji and Australia and used Westpac ATMs the entire time. I was under the impressions I would not have any fees but see the 3% conversion fee on my statement. The CS account sounds the best from the other comments. I even had a boatload of US dollars on me but converting that has fees as well which I was trying to avoid. The local banks I went to with US dollars refused to even work with me as I did not have an account there.

Bank of America has a new credit card, the Travel Rewards Card. It is free, earns rewards and does not charge the 3% foreign transaction fees. I think it’s great for international use in those countries that will accept credit cards.

Hi! Im having a trouble with my BOA,I’m from Philippines and I want to change my BOA account into Philippine Account. Is it posible that I can change it? If so, what would be the process or the things I need to do before it? Please answer.

Schwab Bank refunds non-Schwab ATM fees on any ATM worldwide. Overseas ATMs rarely charge fees.