Wells Fargo International locations (2024)

FAQs

How do you let Wells Fargo know you're out of the country? ›

To submit a Wells Fargo travel notice, you can either call the number on the back of your card to speak to a representative or create a Travel Plan on Wells Fargo's website. From there, simply enter the locations and dates of your trip(s).

Wells Fargo no longer requests advance notice of travel plans. Sign on to online banking to confirm your contact information is up to date so we can contact you if we detect unusual activity ². Learn more about foreign exchange and phone numbers that will work internationally if your credit card is lost or stolen.

Wells Fargo may view these U.S. expat clients as a source of perceived compliance risk. Ultimately, they may have decided for their overall business practice to close these retail international brokerage accounts. Again, the good news is that compliant and efficient U.S. expat investing options exist.

Yes. Wells Fargo cards can be used internationally anywhere the card network is accepted.

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system.

Do I need to tell my bank I'm going abroad? Yes! It's hugely important for customers to inform their bank of their travel plans in advance. This helps to protect against fraudulent activity and ensures that you have access to your funds while you are away.

Yes, your debit card and credit card are accepted internationally! If your ATM card is linked to a checking account, it can also be used at ATMs internationally.

Card services

As a security measure, you will be required to activate your card before usage.

Wells Fargo & Company, WFBNA and their affiliates (collectively, “Wells Fargo”) conducts business globally. Outside the U.S. Wells Fargo & Co conducts business through various companies, including duly authorized and regulated subsidiaries and affiliates in Asia, Canada, Europe, Middle East, Africa, and Latin America.

The Wells Fargo Cash Wise foreign transaction fee is 3%. This fee gets assessed both for purchases made while traveling outside of the United States and online, through international merchants. The fee is within the 1%-3% range that other issuers charge for foreign transactions.

Can I transfer money from Wells Fargo to international bank? ›

With Wells Fargo Online Wires ¹ Additional fees, you can send money to both personal and business accounts in the U.S. and 200+ countries.

Unless your bank has set a withdrawal limit of its own, you are free to take as much out of your bank account as you would like. It is, after all, your money. Here's the catch: If you withdraw $10,000 or more, it will trigger federal reporting requirements.

If you withdraw $10,000 or more, federal law requires the bank to report it to the IRS in an effort to prevent money laundering and tax evasion. Few, if any, banks set withdrawal limits on a savings account.

Money belts and neck wallets — those flat, cloth pouches that fit under your clothes — are the traditional ways to carry money safely while you're traveling. They're meant to escape the notice of pickpockets and muggers, and some even have RFID blocking to keep your credit card and passport information safe.

The main advantage of using a debit or credit card overseas is that you won't pay foreign transaction fees every time you spend. While many also won't charge fees for cash withdrawals, you will still usually be charged interest from the date of the transaction if you use a credit card.

Yes, using a credit card internationally is the best way to go about paying for things when you're abroad. It's safer because you don't have to carry as much cash, and all major credit card companies offer $0 fraud liability guarantees.

14) Wells Fargo

Wells Fargo charges a flat $5 fee for withdrawing cash from international ATMs; however, this fee is waived for Portfolio by Wells Fargo® checking account holders with unlimited non-network ATM withdrawals.

All you need to do is inform your bank about certain specifics, i.e. the currency, daily usage limit, time period etc. Once you have informed your bank, subject to sufficient funds available in your account, your bank will activate international usage on your card.

What happens if I use my credit card internationally? ›

A foreign transaction fee is an extra charge from your credit card issuer that equals a percentage of every transaction you make abroad. Credit cards with foreign transaction fees typically charge an extra 3% to 5% for every foreign purchase.

International opportunities

Wells Fargo operates in four regions outside the U.S.: Asia Pacific; Canada and Latin America; Europe, Middle East and Africa; India and Philippines.

Your Wells Fargo business credit card is either a MasterCard or a Visa card and is accepted worldwide wherever you see those logos. It's a good idea to have some foreign currency with you before you leave the U.S. to cover immediate expenses.

The Wells Fargo daily ATM withdrawal limit varies but is usually $300, which is low compared to some of the best checking accounts. It is possible to request a higher limit, but it's not guaranteed.

A foreign transaction fee is a fee charged by a credit card issuer or bank for every transaction made in a country outside of the U.S. Fees vary depending on the credit card or bank's terms and conditions, but usually fall between 1% and 5% of the purchase amount.

An ATM foreign transaction fee is a fee you pay for using an ATM abroad. Banks have varying policies on fees you will pay for using an ATM that isn't their own. If you're using another bank's ATM abroad, you may pay around 1%-3% foreign transaction fee for using an ATM to withdraw money, which can swiftly add up.

Foreign transaction fees can add up fast when using your debit card abroad. The fees are often 1% to 3% of the amount of a purchase, and many banks also apply the fee to ATM withdrawals.

Can I use Zelle® internationally? In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.

The minimum amount you can send is $25. The maximum daily amount that you can send to all beneficiaries using multiple Wells Fargo ExpressSend Service Agreements is $5,000. The maximum total amount that you can send during any consecutive 30-day period using the Wells Fargo ExpressSend service is $12,500.

What is the easiest way to send money internationally? ›

You'll pay a 3% foreign transaction fee whenever you use the Wells Fargo Active Cash® Card outside of the United States or make purchases from merchants based overseas. You can receive up to $600 of cell phone protection for damage and theft by paying your monthly bill with this card (a $25 deductible applies).

There's no Wells Fargo fee for cash withdrawals, balance inquiries, or funds transfers at any ATM. (Fees charged by non-Wells Fargo ATM operator or network may apply.) receive a $4.00 reimbursem*nt for the first U.S. and first international non-Wells Fargo ATM cash withdrawal per fee period.

Rule. The requirement that financial institutions verify and record the identity of each cash purchaser of money orders and bank, cashier's, and traveler's checks in excess of $3,000. 40 Recommendations A set of guidelines issued by the FATF to assist countries in the fight against money. laundering.

A $1 million withdrawal may be a bigger sum than your bank branch has on site. So, you may be required to wait for a week or two before retrieving your newly liquid currency. The money needs to be literally shipped in for special withdrawals, and your bank may require you to provide a few days' notice.

Banks Must Report Large Deposits

“According to the Bank Secrecy Act, banks are required to file Currency Transaction Reports (CTR) for any cash deposits over $10,000,” said Lyle Solomon, principal attorney at Oak View Law Group.

Although many cash transactions are legitimate, the government can often trace illegal activities through payments reported on complete, accurate Forms 8300, Report of Cash Payments Over $10,000 Received in a Trade or BusinessPDF.

Does a Bank Report Large Cash Deposits? Depositing a big amount of cash that is $10,000 or more means your bank or credit union will report it to the federal government. The $10,000 threshold was created as part of the Bank Secrecy Act, passed by Congress in 1970, and adjusted with the Patriot Act in 2002.

Yes. Your bank may hold the funds according to its funds availability policy. Or it may have placed an exception hold on the deposit. If the bank has placed a hold on the deposit, the bank generally should provide you with […]

Avoid exchanging money at airports and hotels - they usually have the worst rates. If you want to withdraw cash from an ATM when you're abroad, always do it in the local currency. This guarantees the mid-market rate. However, your bank may charge ATM fees and foreign transaction fees (more on this later).

Which bank is best for international ATM withdrawal? ›

European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

Travel tips for every stage of your journey

Contact your Visa card issuer ahead of time so you are aware of any possible daily cash withdrawal restrictions.

Does the Wells Fargo Active Cash Card have a foreign transaction fee? We call this a Foreign Currency Conversion fee. There is a 3% fee for each foreign transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information.

If a business accepts credit cards, your Visa or Mastercard will likely work fine. The other two — American Express and Discover — do have a global footprint, but they are accepted at far fewer merchants. If you have one of these cards, be sure to confirm you can use it on your trip.

The main reason your credit card may not be working is that your credit card issuer suspects fraud. You're spending outside of your habits, whether in what you're purchasing or where you're purchasing it. However, sometimes it might not even be anything that you've done.

There are two types of fees you'll encounter when using a credit card abroad: foreign transaction fees and merchant fees. Foreign transaction fees are around 3 percent and can be avoided since many travel rewards cards waive them. Another fee you can avoid is a so-called dynamic currency conversion fee.

The Wells Fargo Cash Wise foreign transaction fee is 3%. This fee gets assessed both for purchases made while traveling outside of the United States and online, through international merchants. The fee is within the 1%-3% range that other issuers charge for foreign transactions.

Visa recommends you include a form in your mobile app and online banking website where cardholders can easily enter their travel destination and travel dates. When your cardholders enter a travel plan, you send those details to the Visa Travel Notification API.

1. Immigration Inspection At A U.S. Port of Entry: What Do CBP Officials Do? At each U.S. port of entry, CBP officers review the passports, visas and other supporting documents of every foreign national arriving in the U.S. Your first encounter with CBP officers will be at a primary inspection station.

Do I need a U.S. visa if I don't leave the airport? ›

Transiting the United States

In general, travelers in transit through the United States require valid C-1 visas.

What is the credit limit for the Wells Fargo Active Cash® Card? The credit limit for the Wells Fargo Active Cash® Card typically ranges from $1,000 to $20,000 or more, based on user reports we reviewed. Credit limits vary by cardholder and depend on several factors, including annual income and credit history.