Is it possible to use a Bank of America debit card for transactions outside the US?

Yes, you can use a Bank of America debit card for transactions outside the US. However, there are a few things to keep in mind:

1. International Transaction Fee: Bank of America charges a 3% international transaction fee when converting your currency [1]. This fee is applied to the converted US dollar amount.

2. ATM Usage: Bank of America has partnered with several international banks to provide fee-free ATM access in certain countries. Using your Bank of America debit card at these partner ATMs can help you avoid the non-Bank of America ATM usage fee of $5 per withdrawal, transfer, or balance inquiry [2]. Some of the partner banks include Barclays in the United Kingdom, BNP Paribas in France, Deutsche Bank in Germany and Spain, and Westpac Bank in Australia and New Zealand, among others.

3. Currency Conversion: When using your Bank of America debit card at an international ATM, you may be offered the option to have the ATM operator convert the transaction amount into your home currency. However, it's important to note that the ATM operator may charge a higher fee for this conversion. To avoid incurring a fee higher than 3%, you can refuse the ATM operator's offer and choose to have the transaction amount converted by Bank of America [2].

It's always a good idea to inform Bank of America about your travel plans before you leave to ensure that your card is not flagged for suspicious activity. You can do this by calling the number on the back of your card.

Learn more:

1. Tips for international travel - Bank of America
2. Bank of America Financial Centers and ATMs
3. What are Bank of America's foreign transaction fees? - Wise