Are there any debit cards (besides capital one) with no conversion fee for foreign currency? I have been using capital one but they switched to discover and no one accepts it

check out these https://www.cardratings.com/bestcards/no-foreign-transaction-fee.php

Thanks, but those are all credit cards, I am specifically looking for debit cards (I am still punishing myself for abusing my credit cards)

oh, didn't realize

ChatGPt also recommended Schwab, but I feel like not going with a proper bank for my main bank would be an issue in the future, maybe I am wrong though

It's a well established financial institution that has banking too. Not sure what the issue would be 🤷

I will check it out, thanks

I've used for Schwab (mostly for investing though) since I was a kid (my father started the account) and haven't had any issues

Do they have decent online banking? a decent app with zelle?

they have zelle, but I'm not an app user, so can't help there

Thanks, I don’t need reputable because it won’t be my main bank account, but it looks like my best option regardless

Revolut or Wise?

I have revolut but they charge me every time I transfer money, otherwise it’s perfect so if there is a way to transfer money for free I would switch

Really? Transfer in or out?

in

Interesting, I do an ordinary UK bank transfer and don't pay.. Same for Wise.

And wise closed my account because I couldn’t provide proof of residence

Second for Schwab here, but as for your concern regarding using it as a primary bank, I do think it’s largely unfounded as it’s a pretty reputable institution, but also couldn’t you just transfer in and out from a different account and only use it for foreign transactions?

I could, and I probably will

Schwab and CapitalOne were the ones I was using before

Stores, I haven't tried any ATMs, and I hope I don't have to go back to cash

Ah ok, their ATM network is a lot bigger than the credit card one. They bought discover last year and are switching to try to save money on interchange fees. In terms of options, Schwab is really good, another option is the Fidelity Cash Management account.

TD has an option if you keep $2000 in the account at al times.

+1 for Charles Schwab. The bank is online only, so if you need in person services that wouldn't work. Although to make up for that, you can use their debit card to withdraw money at any ATM in the world, and they will reimburse you for any ATM fees you incur. I've traveled with the debit card internationally, and have gotten foreign currencies out of international ATMs without paying anything more than the standard exchange rate. That is in addition to having all of the standard ATM fees refunded. Their phone service is fantastic, and entirely US based. The only requirement to open a Schwab checking account is to also have an open investment account with them. Neither the investment or checking account require any minimum balance, and there are no fees to keep the account open. you really can't go wrong with having a Schwab checking account in addition to your existing bank account, even if it's not your primary bank.

Is there a good backup option for international if Schwab is primary?