How to use an ATM overseas

When you're travelling, it's easy to access local currency at an ATM. Simply look for the Visa or PLUS symbol on the ATM. The Visa global ATM network which encompasses Plus, Visa's global mark for ATMs, allows you to get cash at 2 million ATMs in more than 200 countries and territories the world over. Before you travel, it is a good idea to check with your card-issuing bank about the overseas ATM transaction fees. Here are some commonly asked questions about using ATMs overseas.

How would I know if my debit, credit or ATM card is accepted overseas?
Check if your ATM card has a Visa or PLUS logo.  If it does, it will be accepted at any ATM that is marked with the same logos.* To be sure, you may ask your bank if there are any restrictions regarding the use of your card overseas or, whether you need to notify them before you travel.

*Some ATMs in Canada may not accept all cards.

I don't have a debit card. Can I withdraw cash with my ATM or credit card?
Yes. As long as your ATM or credit card has either a Visa or PLUS logo, you can withdraw cash at ATMs that are part of the Visa or PLUS network.

How do I find an ATM in the country that I'm traveling to?
Visa is accepted at over 200 countries and territories around the world. You can find an ATM in your destination by using our ATM locator. Alternatively, look out for ATMs that carry the Visa or PLUS logos.

Will my PIN work in a different country?
Yes.* The PIN that you use in your home country will work overseas as well. However, some ATMs will only accept a 4-digit PIN. Please contact your bank if your PIN is longer than 4 digits or if it contains letters.

*Some issuers may require you to change your PIN. Please check with your card issuer prior to travel.

Will I be able to select my native language on the ATM?
Most ATMs will have a selection of languages. You should be able to select a language that you would understand.

Apart from withdrawing cash, what else can I do at an ATM?
You can check your account balance at most ATMs. Some ATMs also offer the option of selecting the account you wish to access.

Is there an additional charge for withdrawing cash overseas?
Yes. Your bank would typically charge you a nominal fee for this service. Please check with your bank for more details. In some cases, there may also be a charge levied by the bank that owns the ATM. You will be notified on the ATM screen if there is a charge.

Will my account balance be displayed in my home currency?
Some ATMs will display your account balance in your home currency while some will display it in the destination currency. Do take note of this when viewing your account balance on screen.

Is there a number I can call if I need help withdrawing cash overseas?
You may call Visa’s Global Card Assistance Services 24 hours a day, 365 days a year. Make sure you have the right number for your destination by clicking here.

What should I do if my card is "swallowed" by the ATM?
ATMs are designed to prevent fraudulent transactions and may withhold your card when you make multiple attempts to withdraw cash with an incorrect PIN. If this happens, please report it immediately. There should be a local helpline number displayed at the ATM or, if the ATM is next to a bank branch, you can contact the bank staff. You would be asked to identify yourself through relevant ID documents. If you are unable to recover your card, notify your bank immediately.

What should I do if the amount I get from the ATM is incorrect?
Please inform your bank if you received an incorrect amount. This would typically be spotted by the ATM owner and the ATM owner will seek to adjust the transaction amount with your card issuer; hence making sure your account is debited with the correct amount.

Where can I get more information about ATM usage overseas?
Please contact your bank for more details.