How To Use Your Debit Card for International Purchases

Here’s how to use your debit card when making international purchases online or in-person.

Written By Matthew Monagle (Member Support)

Updated at February 1st, 2022

Whether you’re traveling internationally or just shopping online, your Amplify debit card is the perfect tool for international purchases. In this section, we'll highlight a few things to keep in mind before your next international purchase. This includes the international exchange rate and our recent removal of all international conversion fees associated with your account. 


  • Funds will be debited from your account in U.S. dollars based on rates set by the government or Mastercard's wholesale exchange rate.  
  • As part of our new fee-free banking initiative, Amplify no longer charges a 1.00% conversion fee to transactions in foreign currency. 

Can I use my debit card during international travel? 

Amplify Credit Union members can use their debit card during all international travel. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is typically set by the government. Otherwise, we use a wholesale exchange rate selected by Mastercard. 

The rate Mastercard applies for a particular transaction is the rate Mastercard selects for the applicable currency on the day the transaction is processed. This rate may differ from the rate applicable on the date the sale occurred or was posted to your account. 

Should I notify Amplify before traveling internationally? 

We encourage members to contact our team before travelling internationally. We can then add a travel notice to your account, ensuring that your activity is not flagged as fraudulent. Visit our Contact Us page to learn how to contact an Amplify representative either in-person or online. 

Does Amplify charge a conversion fee for international travel? 

In 2022, Amplify announced the launch of Fee-Free Banking for our members. This new initiative removes most common bank fees – including international conversion fees – from member transactions. For more information on fee-free banking at Amplify, please visit our Fee-Free Banking webpage. 

Will Amplify reimburse international ATM fees? 

While Amplify will no longer charge an ATM service fee for members, most ATMs do include a vendor fee charged by the operator of the machine. Visit our ATM Fees article in the Amplify Help Center to learn more about our ATM reimbursement program. 

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