SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/trav-atm-debit-charged-twice

You use your US debit card at a foreign ATM. Who will most likely charge you a fee?

Both your bank and the foreign bank, so check fees before you go.

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  1. Your bank and the foreign bank ✔
  2. Only the foreign bank
  3. Nobody, ATMs abroad are free

Why: Your own bank may charge for a foreign withdrawal, and the bank that owns the ATM may add its own fee. UC San Diego's study abroad office warns you will most likely be charged twice.

Huh, didn't know that: UCSD says some large banks have sister banks abroad that might not charge ATM fees.

The dad joke
What's the hardest part about being addicted to banking? The withdrawals.
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References

Answer: Your bank and the foreign bank. Your own bank may charge for a foreign withdrawal, and the bank that owns the ATM may add its own fee. UC San Diego's study abroad office warns you will most likely be charged twice.

  1. UC San Diego Programs Abroad: How To Handle Money Abroad programsabroad.ucsd.edu/students/pre-departure/HowToHandleYourMoneyAbroad.pdf
    Don't forget, you will most likely be charged twice
    Checked 2026-10-10.

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