Overview

• Banks levy a currency conversion commission plus an applied exchange rate markup on card payments in non-euro currencies.
• International ATM withdrawals can incur up to four fees—including currency, exchange rate, cash withdrawal charges and operator surcharges—adding 4–6% to the withdrawn amount.
• Neobanks like imagin, B100, N26 and Revolut lead Kelisto.es’s rankings by waiving foreign transaction and ATM fees for travelers.
• Debit cards limit spending to available funds but still incur foreign fees while credit cards impose 1–3% transaction charges yet provide stronger fraud protection and travel perks.
• The Condusef recommends real-time card monitoring, setting spending limits and using formal merchants, with a 90-day window for disputes, provisional refunds in 48 hours and final resolution in 45 or 180 days.