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With writing history at SingSaver, INK, and ohmyhome, Marissa leverages her broad range of experiences to simplify finance and make readers financially savvy.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmarissa-saini-b2b1b713b\u002F","Writer","marissa-saini",[1179,1193,1201,1209,1217,1225,1233,1248,1267,1273,1282,1290,1298,1306,1314,1322,1330,1338,1346,1354,1362,1380,1388,1407,1425],{"_key":1180,"_type":170,"children":1181,"markDefs":1191,"style":1192},"k5",[1182,1186],{"_key":1183,"_type":174,"marks":1184,"text":1185},"k3",[],"‍",{"_key":1187,"_type":174,"marks":1188,"text":1190},"k4",[1189],"strong","Why do these fees exist in the first place? ",[],"h2",{"_key":1194,"_type":170,"children":1195,"markDefs":1200,"style":190},"k8",[1196],{"_key":1197,"_type":174,"marks":1198,"text":1199},"k7",[],"Foreign merchants and financial institutions charge foreign transaction fees to compensate the purchaser’s bank for converting funds into a foreign currency. On top of that, foreign merchants are also at greater risk of card fraud when it comes to overseas transactions. This is simply a way for them to safeguard their business and is standard practice for most, if not all service providers across the globe.",[],{"_key":1202,"_type":170,"children":1203,"markDefs":1208,"style":190},"k12",[1204],{"_key":1205,"_type":174,"marks":1206,"text":1207},"k11",[],"What if we told you there’s a way you can save money on these payments? 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Exchange currency before travelling",[],"h3",{"_key":1283,"_type":170,"children":1284,"markDefs":1289,"style":190},"k43",[1285],{"_key":1286,"_type":174,"marks":1287,"text":1288},"k42",[],"Think of it this way. Have you ever travelled abroad without making a stop at the money exchange? If you travel for business regularly, you’ll know that exchanging currency beforehand and paying with local currency can do wonders for your wallet. When you fail to change currency before a trip, chances are you’ll have to head over to a foreign ATM to make a withdrawal. However, transaction fees on foreign ATMs can cost quite a fair bit.",[],{"_key":1291,"_type":170,"children":1292,"markDefs":1297,"style":190},"k46",[1293],{"_key":1294,"_type":174,"marks":1295,"text":1296},"k45",[],"Be cautious about where you exchange your money and find a money exchange that can grant you the best rates. 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This is to give cardholders the luxury of avoiding withdrawal fees in exchange for using their service.",[],{"_key":1315,"_type":170,"children":1316,"markDefs":1321,"style":190},"k58",[1317],{"_key":1318,"_type":174,"marks":1319,"text":1320},"k57",[],"Be smart about your ATM withdrawals abroad and take advantage of your bank’s overseas network.",[],{"_key":1323,"_type":170,"children":1324,"markDefs":1329,"style":1281},"k64",[1325],{"_key":1326,"_type":174,"marks":1327,"text":1328},"k63",[1189],"3. Consider getting a multi-currency card",[],{"_key":1331,"_type":170,"children":1332,"markDefs":1337,"style":190},"k67",[1333],{"_key":1334,"_type":174,"marks":1335,"text":1336},"k66",[],"Multi-currency debit or credit cards simplify foreign payments for cardholders. Unlike your standard cards, a multi-currency card can get you better exchange rates and allow you to streamline payments to overseas suppliers and vendors. 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Get started today!",[],{"slug":301,"title":302},{"_type":154,"alternativeText":1435,"height":1436,"url":1437,"width":1272},"Everything You Need to Know About Foreign Transaction Fees & How to Avoid Them",748,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F85bb3a45d483d7d8f5a9c5537270b0bd\u002Feverything-you-need-to-know-about-foreign-transaction-fees-how-to-avoid-them_cover.jpeg",[1439],{"_key":1440,"_type":170,"children":1441,"markDefs":1446,"style":190},"k0",[1442],{"_key":1443,"_type":174,"marks":1444,"text":1445},"k1",[],"Learn what foreign transaction fees are, their impact on your business, and how your business can avoid them while transacting internationally.",[],[1448,1455,1461,1477],{"_key":1449,"_type":170,"children":1450,"markDefs":1454,"style":190},"k2",[1451],{"_key":1443,"_type":174,"marks":1452,"text":1453},[],"It may seem like a light and inexpensive expense in the beginning. But when it all adds up, foreign transactions can cost you and your business way more than they should. Also known as a foreign purchase transaction fee, a foreign transaction fee is charged anytime you make a transaction in a foreign currency or through a foreign financial institution.",[],{"_key":1180,"_type":170,"children":1456,"markDefs":1460,"style":190},[1457],{"_key":1187,"_type":174,"marks":1458,"text":1459},[],"For instance, frequent travellers may find themselves having to withdraw money from a foreign ATM when they run out of cash. In the same way, when you make an online purchase from a foreign company that only processes transactions in their local currency, it’s likely that you’ll also be charged a minimal fee. More often than not, you’ll see this listed on your monthly card statement as an entirely separate charge.",[],{"_key":1462,"_type":170,"children":1463,"markDefs":1474,"style":190},"k13",[1464,1468,1471],{"_key":1465,"_type":174,"marks":1466,"text":1467},"k10",[],"Generally, the average percentage of these fees imposed by credit card issuers ",{"_key":1205,"_type":174,"marks":1469,"text":1470},[1197],"range from 1 to 3 per cent.",{"_key":1202,"_type":174,"marks":1472,"text":1473},[]," Most founders pay less attention to these additional costs as 3% looks like it can’t hurt, right? While this may be true to a certain extent, there are several ways to avoid these payments, especially if they are recurring ones. These savings can then be put to more useful expenses such as scaling your operations and growing your business.",[1475],{"_key":1197,"_type":188,"externalUrl":1476,"linkType":145},"https:\u002F\u002Fwww.investopedia.com\u002Fterms\u002Ff\u002Fforeign-transaction-fee.asp#:~:text=A%20foreign%20transaction%20fee%20is,purchase%20in%20a%20foreign%20currency.&text=Foreign%20transaction%20fees%20are%20also,%E2%80%9Cforeign%20currency%20transaction%20fees.%E2%80%9D",{"_key":1213,"_type":154,"height":1269,"position":1270,"url":1478,"width":1272},"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fd08893d0e4a936ed31c777c899991e9c\u002Feverything-you-need-to-know-about-foreign-transaction_intro_1.jpeg","2025-07-03T00:00:00.000Z",{"_type":149,"metaDescription":1445,"metaTitle":1481,"socialShareImageUrl":1482},"Foreign transaction fees: what is it & how to avoid it",{"_type":154,"alternativeText":1435,"height":1436,"url":1437,"width":1272},"everything-you-need-to-know-about-foreign-transaction-fees-how-to-avoid-them",1790931409751]