Before you pack your bags for that international trip or move, make sure you're in the know. Here, you'll learn what to expect when using your Navy Federal Debit Card and CUCARD overseas. And, check out our tips for managing your money while you're away.
While you're away, manage your money the easy way with our free services:
And if you're in the process of deploying, be sure to set up a power of attorney before you
leave the country.
Your Navy Federal Debit Card can be used to make purchases at millions of locations worldwide, wherever Navy Federal Debit Cards are accepted.
Both your debit card and CUCARD can be used at all Visa/PLUS System ATMs. Navy Federal and CO-OP Network® ATMs can be found on some U.S. military bases overseas. Please note: CUCARD POS transactions overseas via the Interlink® network are limited to commissaries, AAFES, Navy Exchanges, and USPS locations on U.S. military bases only.
Your Navy Federal Debit Card can be used to make purchases at millions of locations worldwide,
wherever Navy Federal Debit Cards are accepted.
If a merchant refuses to accept your card, stating that it is not "chip and pin," please call Visa USA customer assistance at 0800-89-1725. You can also send an e-message through Account Access with detailed information (merchant name, address, and date of transaction). We will then submit a formal complaint to Visa on your behalf.
Any time you use your Navy Federal Debit Card or CUCARD overseas, you will be charged an International Service Assessment (ISA) fee. This is a Visa-mandated fee for ATM and POS transactions performed outside the U.S. When the merchant runs the transaction in the local currency (or if you withdraw money in local currency at an ATM), the transaction will post to your account in U.S. dollars and you will be charged a 1% ISA fee. If the transaction is in U.S. dollars, you will be charged at 0.8% of the transaction amount.
Note: These fees will be listed separately on your account statement as "International Transaction Fee."
Transactions made overseas or in foreign currencies will be charged to your checking account in U.S. dollars and will appear on your monthly statement. The currency conversion rate used on the processing day may differ from the purchase date or posting date rate. Navy Federal has no control over the rate of exchange or how an international transaction will post. We suggest visiting xe.com to get a general idea of currency exchange rates before you travel.
Your Navy Federal Debit Card can be used for "manual cash" inside any bank that accepts Visa. "Manual cash" is handled similar to a credit card cash advance in that your signature will be required.
Some overseas ATMs may only give you the option to get cash from your checking account; not both checking and savings.
You will be charged a service fee of $1.00 for all transactions made at Visa/PLUS System ATMs.
If you find yourself using out-of-network ATMs, we offer ATM fee rebates for Visa/PLUS System transactions of up to $10.00 per statement period with our e-Checking, Flagship Checking, and Campus Checking accounts. And if you're active duty military, you can receive up to $20.00 in ATM fee rebates per statement period with our Active Duty Checking® account. To switch your checking account, sign on to Account Access or call us at 1-888-842-6328, toll-free internationally>, or collect internationally 1-703-255-8837.
If you have forgotten your PIN, please locate your PIN mailer that was sent to you with your card. If you have more than one card, you can identify the correct PIN for each card by looking at the outside of the mailer. The mailer lists a three-digit number above your name that corresponds with the last three digits of the card number.
If you no longer have the mailer, you can request a PIN by sending an eMessage through
Account Access, by visiting a branch, or calling 1-888-842-6328, toll-free internationally at 1-800-0-842-6328, or collect internationally at 1-703-255-8837. PINS are mailed two business days from the date requested and delivery times vary by location and postal service.
For lost and stolen cards, contact us immediately either by mail, e-mail via Account Access, or by calling 1-888-842-6328, toll-free internationally 800-0-842-6328, or collect internationally 1-703-255-8837. Per your request, we will cancel your card and issue a new one.
Delivery times will vary based on customs and the country's post office procedures. Please note that it can take from 12 to 17 business days for regular mail to reach APO, FPO, and other overseas addresses. If you choose to have your card and PIN shipped via FedEx/UPS, your account will be charged $17.45. For security purposes, if no one is available to sign for the package, it will not be delivered.
Please note that it can take from 12 to 17 business days for Navy Federal correspondence to reach APO, FPO, and other overseas addresses.
Since 1933, Navy Federal Credit Union has grown from seven members to over 5 million members. And since that time, our vision statement has remained focused on serving our unique field of membership:
Be the most preferred and trusted financial institution serving the military and their families.
+Rates are based on an evaluation of credit history, so your rate may differ.
++Rates are variable and based on an evaluation of credit history, so your rate may differ.
To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including joint owners.
When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you.