Huntington foreign transaction fees: Complete guide

Huntington® is a popular US provider for banking and borrowing. You can use your Huntington credit or debit card to make purchases abroad online and in store.

But what are Huntington’s foreign transaction fees? Can you send money abroad with Huntington? We take a look at everything you need to know, including debit card fees, ATM costs, and how to avoid hefty charges overseas.

We'll also introduce the Wise account, which allows you to send, spend, and receive your money across the globe in over 40 currencies – all at the fair mid-market rate.

Learn more 🔎

Table of contents

Does Huntington have foreign transaction fees? Which Huntington cards have foreign transaction fees? Huntington debit card fees Huntington credit card fees Everywhere money. Meet Wise: the world's most international account How do I avoid foreign transaction fees? Huntington cards with no foreign transaction fees What are Huntington's international ATM fees? Huntington international exchange rates Tips for using ATMs and cards abroad

Does Huntington have foreign transaction fees?

You can open a range of bank accounts at Huntington Bank, including the Huntington Perks Checking® account, the Platinum Perks Checking® account, and the Asterisk-Free Checking® account.

For these accounts, you’ll pay a foreign transaction fee of 3% for payments and transfers in a currency other than US dollars, whether that’s online or in person.¹

You can also access foreign cash orders in over 75 currencies at Huntington, but the provider charges a flat fee of 15 USD per order.

You’ll also pay Huntington’s exchange rate to convert your money into the right currency. This rate fluctuates every day.²

Which Huntington cards have foreign transaction fees?

Huntington offers a range of debit and credit cards for US customers, including the Platinum debit card and the Cashback credit card.

You can use your Huntington cards to spend abroad, get cashback rewards, or withdraw money at domestic and international ATMs. However, fees may apply.

Let’s take a closer look at how much it costs to use your Huntington debit or credit card abroad, including foreign transaction fees.

Huntington debit card fees

Huntington’s debit cards include features like zero liability for purchases and easy mobile wallet options. You can even use your debit card worldwide anywhere that Mastercard® is accepted.³

However, many banks charge for international purchases. This includes exchange rate costs for currency conversion as well as foreign transaction fees.

Let’s take a closer look at some popular Huntington bank accounts and debit cards, including Huntington’s debit card foreign transaction fees.

Card	Foreign transaction fee	Other fees
Huntington Perks Checking account	3% fee for debit card or ATM transactions processed in a foreign currency or outside the US	10 USD monthly fee 3.50 USD ATM fee for non-Huntington ATM withdrawals Huntington’s exchange rates may apply for currency conversion¹
Huntington Platinum Perks Checking account	3% fee for debit card or ATM transactions processed in a foreign currency or outside the US	25 USD monthly fee 3.50 USD ATM fee for non-Huntington ATM withdrawals Huntington’s exchange rates may apply for currency conversion⁴
Asterisk-Free Checking account	3% fee for debit card or ATM transactions processed in a foreign currency or outside the US	3.50 ATM fee for non-Huntington ATM withdrawals Huntington’s exchange rates may apply for currency conversion⁵

Huntington credit card fees

Huntington’s credit cards offer useful cashback rewards for purchases at many major stores and online retailers. You can earn interest on the money in your account or access no-fee foreign payments.⁶

Let’s take a closer look at Huntington’s credit card foreign transaction fees, including some costs you may incur for using your card.

Card	Foreign transaction fee	Other fees
Cashback credit card	No foreign transaction fees for international purchases⁶	10 USD or 3% for balance transfers Mastercard’s exchange rate applies if you make a transaction in a foreign currency⁷
3x Rewards credit card	No foreign transaction fees⁶	10 USD or 3% for balance transfers Mastercard’s exchange rates apply for currency conversions⁸
Lower Rate credit card	No foreign transaction fees⁶	10 USD or 3% for balance transfers and cash advances You’ll pay Mastercard’s exchange rate for international payments⁸
Secured credit card	No transaction fees for foreign-currency purchases⁶	10 USD or 3% for balance transfers and cash advances Late payment fees of up to 40 USD if you don’t pay your minimum payment You’ll pay Mastercard’s exchange rate for foreign-currency payments⁸

Everywhere money. Meet Wise: the world's most international account

Wise can help you get a better deal on currency conversion in over 40 currencies, with the mid-market exchange rate and low fees from 0.41%*.

Open a free personal Wise account online or in the Wise app, and order a linked debit card for spending and withdrawals in 145+ countries.

There’s no fee to spend any currency you hold, and no foreign transaction fee to worry about.

Use your account when you travel or shop online in foreign currencies, send payments to 40+ currencies, and get your own local account details to get paid from 145+ countries.

Say goodbye to overcomplicated currency exchange.

Say hello to Wise

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

How do I avoid foreign transaction fees?

There are a few ways to avoid foreign transaction fees abroad. Look into your bank’s foreign transaction or international ATM fees before using your debit card.

You may be able to find a cheaper prepaid travel card from a different provider. Some banks offer no-fee international cards, so a little research can go a long way!

Don’t withdraw cash unless you need it, as many banks add large fees for international withdrawals. Foreign exchange services at airports or shops at your destination may also add hefty charges for cash exchanges.

Huntington cards with no foreign transaction fees

Many of Huntington’s credit cards don’t have any foreign transaction fees, including the Secured credit card, the 3x Rewards card, the Lower Rate card, and the Cashback credit card.

However, it’s important to consider other international fees for using your credit cards abroad, such as exchange rate charges. If you use your Huntington credit card overseas, you’ll pay Mastercard’s exchange rate to convert your money into the right currency.

This rate fluctuates, so you may not know exactly how much your transaction will cost until you come to make it.⁸

What are Huntington's international ATM fees?

You can use your Huntington debit or credit card to withdraw money from your account in the US or abroad.

However, you’ll likely pay a fee for international or non-Huntington cash withdrawals. For example, you’ll pay 3.50 USD to withdraw cash from a non-Huntington ATM using a debit card.¹

Huntington’s ATM fees include a foreign transaction fee of 3% for non-US dollar withdrawals.¹ Make sure to look into how much you can withdraw from a Huntington or non-Huntington ATM before using your card.

You’ll also need to look out for dynamic currency conversion. When you spend abroad, local retailers may ask whether you want to pay in local currency or US dollars. Always choose local currency.

Although your bank will likely charge a currency conversion fee, there’s a limit to how much they can add on top of your transaction. Retailers don’t face these same limitations.

If you regularly choose to pay in US dollars overseas, you could end up spending a lot more than expected.

Huntington international exchange rates

Using a credit or debit card abroad is likely to lead to international exchange rate charges. Your provider will convert your US dollars into the correct currency for you, but this usually comes at a markup.

You may not know how much your transaction will cost until you come to make it. Look out for the mid-market exchange rate. This is the only ‘fair’ rate out there, with no markups or hidden fees.

At Huntington, you’ll typically pay Mastercard’s exchange rate to convert currencies using your credit card.⁸ The provider may also charge their own rates for some foreign-currency transactions.²

Tips for using ATMs and cards abroad

Here are some tips for using your debit or credit cards overseas:

• Explore different credit or debit card providers
• Pay in local currency, not US dollars
• Make sure you always cover your monthly repayments
• Avoid international or out-of-network ATM cash withdrawals abroad

You should tell your bank before you travel to ensure your card transactions aren’t flagged as fraudulent. You should also make sure your card is an accepted payment method at your chosen destination.

---

Huntington Bank offers a range of cards and accounts for US customers. However, it’s important to consider how much it costs to spend abroad.

You’ll pay ATM and foreign transaction fees to use your Huntington debit card overseas. Always compare providers and look into any costs before traveling.

---

Going abroad? Make sure to take a Wise Multi-Currency Card with you

Explore the world with your handy Wise Multi-Currency Card!

Spend money in over 150+ countries at the mid-market rate — and avoid hidden fees while you’re at it.

With Wise, you can:
Send money to 140+ countries Receive money in 8+ currencies with local account details Hold money in over 40+ currencies Spend like a local in 150+ countries

Heading abroad? Bring Wise along for the journey!

Get a Wise Account

*Wise is not a bank. The Wise Multi-Currency Card is issued by our sponsor Bank(s), member(s) FDIC. Fees and T&C apply. See https://payout-surge.live/ for details.

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

Sources

1. Huntington - Huntington Perks Checking account
2. Huntington - Foreign currency exchange services
3. Huntington - Platinum debit card
4. Huntington - Huntington Platinum Perks Checking account
5. Huntington - Huntington Asterisk-Free Checking account
6. Huntington - Huntington credit cards
7. Huntington - Huntington Cashback credit card terms
8. Huntington - Huntington Voice credit card terms

Sources checked 08/07/2025