Updated
Using a debit card outside of the U.S.
Note: This support article only applies to Individual and Joint Cash Accounts with checking features.
Overview
Your Wealthfront debit card should work in most countries, as long as they accept Visa. If you're traveling outside of the U.S. and plan to use your card, keep in mind:
• You’ll pay fees
International ATM withdrawals: You’ll pay $2.50, the ATM owner fee, and an international transaction fee of 2.75%. Learn more
International purchases: You’ll pay a foreign transaction fee of 2.75%. Learn more
If a transaction is in a currency other than U.S. dollars, or the merchant or ATM is located outside the U.S., you'll pay an international transaction fee of 2.75%. This happens even if the international purchase or ATM withdrawal is in U.S. dollars, or if you make the international purchase remotely from the U.S.
• Fraud monitoring is stricter
For your security, international transactions are more likely to be declined than those in the U.S. This is especially true for card swipes. To increase the chances of a successful purchase, insert the chip portion of your card into the terminal whenever possible.
The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account.
Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Cash Accounts account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.
Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.
The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as a solicitation or offer, or recommendation, to buy or sell any security.
Wealthfront Brokerage is a wholly-owned subsidiary of Wealthfront Corporation.
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