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Using a Navy Federal Card Overseas?

If you’re using your Navy Federal Debit Card, CUCARD, or Navy Federal Business Debit Card Overseas, here are some things you’ll need to know.

Purchases

The Navy Federal Debit Card and Navy Federal Business Debit Card may be used anywhere Visa debit cards are accepted—millions of merchants worldwide, online, over the phone, and in-person.

Please note, to help cover currency conversion costs, Visa assesses an International Service Assessment Fee (ISA) of 1% of the purchase amount, which will be charged to your account.

ATM Cash Withdrawals

The Navy Federal Debit Card, CUCARD, and Navy Federal Business Debit Card can all be used to withdraw cash from ATMs. Here are some helpful tips to keep in mind:

Navy Federal and CO-OP Network® ATMs

International Navy Federal and CO-OP ATMs are primarily found on U.S. military bases. To locate these ATMs, visit our Branches and ATMS page.

  • You won’t be charged an ATM access fee when you use these machines.
  • Some CO-OP ATMs could charge you an International Assessment Service Fee (ISA) of 1% of the amount withdrawn.
  • Some ATMs may only allow you to withdraw from your checking account, not both checking and savings.

If you use a non-NFCU owned or out-of-network ATM, you could be charged several fees. Here is an overview of some of the fees you could encounter:

  • International Service Assessment Fee (ISA): 1% of the amount withdrawn, which Visa charges to help cover currency conversion costs
  • ATM access fee: most ATM owners charge a fee to use their ATM and the amount charged can vary widely
  • Non-Navy Federal/Non-CO-OP Network ATM fee: a $1 service fee for withdrawals, inquiries, transfers, Invalid PIN attempts and rejected transactions

Tip: If you choose to use an out-of-network ATM, we offer rebates with some of our checking accounts to help cover ATM access and Visa/PLUS fees.

Withdrawals at Participating Banks

Some banks allow you to use your Navy Federal Debit Card or Navy Federal Business Debit Card to withdraw money, even if you don't have an account there. However, they’ll require Identification and a signature. Check with the country’s local banks to see if they participate.

Manage Your Debit Card

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