Use Charles Schwab Debit Card for Free ATM Withdrawals Worldwide

The Problem

ATM fees abroad: $3-5 per withdrawal + 3% foreign transaction fee. $50 in fees on a 2-week trip.

The Hack

Open a free Charles Schwab checking account. Use the debit card at any ATM worldwide. Schwab reimburses all ATM fees at the end of each month.

Why It Works

Charles Schwab reimburses unlimited ATM fees globally — including the foreign bank's surcharge. No minimum balance required. This is the best travel debit card that exists.

Pro Tips

• Free to open — no minimum balance
• ALL ATM fees reimbursed monthly, worldwide
• No foreign transaction fees on debit purchases
• Apply 2-3 weeks before your trip — card ships in 5-7 days