CAPITAL ONE INTERNATIONAL

Planning a trip abroad or needing to send money overseas? Not all account types are eligible for international wires with Capital One, please contact BANK prior to visiting a branch location if you are a new sender. For both online and phone channels, the cutoff time for sending domestic wires is 2 pm ET. The cutoff time for international wire transfers is 3 pm ET.Navigating international finance can seem daunting, but with the right information and tools, it can be a breeze. If you choose a Capital One 360 Checking Account you won t be charged any foreign transaction fee when you spend overseas ⁰ and Capital One s credit card options can also come with no extra international charges. Not sure if Capital One is for you? Check out this full Capital One US review to help you decide. Best international banksThis guide dives deep into the world of Capital One International, exploring everything from using your credit and debit cards overseas to understanding international wire transfers and leveraging Capital One Travel. The Capital One 360 Checking account gives consumers the power to withdraw from any ATM in the world, without incurring any additional fees. In addition, the account earns interest on theWhether you're a frequent flyer or simply need to make a one-time international payment, understanding Capital One's international services can save you time, money, and stress. Finally, Capital One lounges are also open to any travelers outside those groups who want to pay a steeper entry rate of $90 per person. Other rules. All Capital One Lounge visitors must present a boarding pass for a departing flight. This includes access up to three hours before departing or connecting same-day flights.We’ll explore the fees, benefits, and alternatives, empowering you to make informed decisions about your global financial transactions.Learn how to maximize your rewards, avoid unnecessary charges, and access support when you need it most. Capital One Travel is an online booking platform that launched in 2025 to help Capital One cardholders get more with every booking. It sorts and organizes millions of trip options to find Capital One s best prices on flights, hotels, vacation rentals and rental cars. 1 Plus, eligible cardholders can earn additional rewards when booking through Capital One Travel.So, buckle up and let's embark on this journey to master Capital One's international offerings!

Using Your Capital One Card Internationally

One of the most convenient aspects of being a Capital One cardholder is the ability to use your card almost anywhere in the world. To make sure your payment posts as quickly as possible, write your Capital One credit card account number on your check. Capital One Attn: Payment Processing PO Box Charlotte, NC . Overnight payments: Capital One Attn: Payment Processing 6125 Lakeview Rd Suite 800 Charlotte, NCMost Capital One credit cards are issued on the Visa or Mastercard network, both of which enjoy widespread acceptance globally.This means you can confidently swipe, tap, or insert your card at restaurants, shops, and ATMs in countless countries.

Can I use my Capital One card internationally?

Absolutely! International travel insurance can help cover expenses and provide peace of mind should things go wrong on a trip abroad. And a Capital One travel credit card could help you feel even more prepared for your journey. Several Capital One credit cards include travel-related insurance benefits. You can refer to your guide to benefits for termsCapital One cards are designed for international use. Capital One Intellix Creating International Wire Transfer Payments 4 5 2 The Create Payment window is displayed. Select Wire-International from the drop-down menu. When creating a template you will also see the following fields:Unlike some other banks, Capital One doesn't require you to set a travel notice before you jet off. Recent advances in technology mean you don t need to set a travel notice with Capital One. And Capital One s credit card security features can offer protection. If you re a Capital One cardholder and your card is lost or stolen, you can instantly lock your credit card to prevent it from being used for purchases. And if you find it, youRecent advances in technology have made this feature largely unnecessary.This means you can simply pack your bags and go, knowing that your card should work seamlessly upon arrival.

However, it's always a good idea to double-check that your contact information is up to date with Capital One. International Wire Transfer Guide 1 Welcome to Capital One s International Wire Transfer service. Please use this guide to help you make timely and accurate payments to beneficiaries around the world. If you have questions along the way, please contact our Treasury Management Client Services team at or .This will ensure that they can reach you if they detect any unusual activity on your account.Also, download the Capital One mobile app to your smartphone or tablet. Conclusion: Capital One Debit Card for International Travel. If you re planning to travel internationally, the Capital One debit card can be a convenient and secure way to access your money. However, it s important to be aware of the fees associated with using your card abroad and to take steps to protect your card while traveling.The app allows you to:

• Monitor your transactions in real-time.
• Lock your card instantly if it's lost or stolen.
• Manage your account on the go.
• Access your digital card information.

Fees Associated with International Card Usage

One of the biggest advantages of using a Capital One card internationally is the absence of foreign transaction fees on many of their cards.This can save you a significant amount of money compared to cards that charge a percentage of each transaction made in a foreign currency. For 360 products (360 Checking, Money, etc.) there are no additional fees when you use your debit card abroad (any transaction made in a foreign currency or that MasterCard classifies as a cross-border transaction).However, it's crucial to check the terms and conditions of your specific card to confirm whether it charges foreign transaction fees.If you are unsure call the customer service number on the back of your card.

Certain Capital One debit cards, particularly those linked to a 360 Checking account, also come with no foreign transaction fees.This can make them a cost-effective option for withdrawing cash from ATMs overseas.However, keep in mind that the ATM operator may still charge a fee for using their machine, and Capital One typically doesn't reimburse these fees.

Lost or Stolen Cards While Traveling

Losing your credit card or having it stolen while traveling can be a stressful experience. Capital One TravelFortunately, Capital One provides robust security features to protect you. Explore Capital One's worldwide lounge network. Get discounted or complimentary entry with an eligible card.If your card is lost or stolen, you can instantly lock it using the Capital One mobile app or website.This prevents any unauthorized purchases from being made.

Capital One also offers zero-liability protection, which means you won't be held responsible for fraudulent charges made on your account. Capital One is not competitive when it comes to international transfer fees. Capital One charges a flat fee of $50 for transfers abroad, a $15 receiving fee, and ~4% - 6% markup on the exchange rate.Contact Capital One immediately to report the loss or theft, and they will guide you through the process of getting a replacement card.

Capital One Travel: Your Gateway to Global Adventures

Capital One Travel is an online booking platform designed to make planning international trips easier and more rewarding.Launched in 2025, it offers a seamless way to book flights, hotels, vacation rentals, and rental cars, all in one place.

What is Capital One Travel?

Capital One Travel is an online booking experience exclusively for eligible Capital One cardholders.It aggregates thousands of travel options, helping you find the best prices on flights, hotels, and car rentals.Plus, eligible cardholders can earn extra rewards when booking through the platform.

Think of it as your one-stop shop for all things travel. Capital One doesn t let you increase transfer limits online. But, you can send big amounts through the right channels. Knowing how to use Capital One s reward system can help with international money transfers. For more details, check out our guide on international transfers. Guide to Capital One International Transfer vs. AlternativesWhether you're planning a weekend getaway or a month-long backpacking trip, Capital One Travel can help you find the perfect accommodations, transportation, and activities to suit your needs and budget.

Benefits of Booking Through Capital One Travel

There are several compelling reasons to book your international travel through Capital One Travel:

• Best Prices: Capital One Travel sorts through millions of trip options to find the best available prices.
• Extra Rewards: Eligible cardholders can earn bonus rewards on bookings made through the platform.
• Seamless Experience: The platform is designed to be user-friendly and intuitive, making it easy to find and book your travel arrangements.
• 24/7 Support: Capital One provides dedicated customer support to assist you with any questions or issues that may arise.

Capital One Lounges: A Touch of Luxury for International Travelers

For those seeking a more luxurious travel experience, Capital One operates a network of airport lounges around the world. To receive an international payment such as an international wire, you will need Capital One s SWIFT code along with your account and routing number. When will I receive my international wire? Incoming wires will arrive by 6:45 PM ET.These lounges offer a comfortable and relaxing environment where you can unwind before or after your flight.

Access to Capital One Lounges is typically complimentary or discounted for cardholders of certain premium Capital One cards, such as the Venture X. Capital One 360 Checking Account. If you have a Capital One 360 Checking account, you will benefit from no transaction fees for withdrawing cash abroad. There are no monthly service fees or minimum account balance requirements. You may still incur a flat usage fee from the international bank s ATM, which Capital One will not reimburse.Other travelers can also purchase access to the lounges for a fee.

All Capital One Lounge visitors must present a boarding pass for a departing flight, and access is limited to three hours before departure or connecting same-day flights. Capital One s swift code (IBAN): HIBKUS44; Capital One s address: 1680 Capital One Drive McLean, VA ; Your Capital One account and routing numbers. These can be found under View Details in the app or on the web. If you re not enrolled in digital banking, your account number can be found at the top of your paper statement.Each lounge offers amenities such as:

• Complimentary food and beverages.
• High-speed Wi-Fi.
• Comfortable seating.
• Shower facilities.

International Wire Transfers with Capital One

Sometimes, you need to send money directly to someone overseas.While using your credit card is great for purchases, international wire transfers are often necessary for larger sums or specific payment needs.

How to Send an International Wire Transfer with Capital One

Capital One offers international wire transfer services, but it's essential to understand the process and potential fees involved. If you re a Capital One cardholder, the good news is generally yes, you can use your card internationally. But let s delve into the specifics to ensure a smooth and financially savvy trip. Capital One credit cards, particularly those branded with Visa or Mastercard, boast widespread acceptance globally.The process generally involves the following steps:

1. Gather the recipient's bank information, including their bank name, address, account number, and SWIFT code.
2. Contact Capital One through their Treasury Management Client Services team or visit a branch to initiate the transfer.
3. Provide the necessary information and payment details to Capital One.
4. Confirm the transfer details and pay any applicable fees.

Important Information for Receiving International Wires

If you're expecting to receive an international wire transfer into your Capital One account, you'll need to provide the sender with the following information:

• Your full name and address.
• Your Capital One account number.
• Capital One's SWIFT code: HIBKUS44.
• Capital One's address: 1680 Capital One Drive McLean, VA.

Incoming wires will typically arrive by 6:45 PM ET.

Understanding Capital One International Wire Transfer Fees and Exchange Rates

While Capital One offers international wire transfers, it's crucial to be aware of the associated costs.Capital One charges a flat fee of $50 for outgoing international wire transfers and a $15 receiving fee. Make sure your contact information is up to date before you go, and download the Capital One mobile app on your tablet or smart device. The mobile app will help you manage your account on the go, while allowing you to do things like lock your cards and monitor your transactions.In addition to these fees, Capital One may also mark up the exchange rate by approximately 4% - 6%.

This means that the total cost of sending or receiving an international wire transfer with Capital One can be relatively high compared to other options.It's essential to compare the fees and exchange rates offered by different providers before making a decision.

Alternatives to Capital One for International Money Transfers

Due to the relatively high fees associated with Capital One's international wire transfers, it's often worth exploring alternative options.Several online money transfer services offer more competitive exchange rates and lower fees, making them a more cost-effective choice for sending money overseas. Plus you ll get access to Capital One Travel. Check out some popular Capital One cards for international travel: Capital One Venture X: This card lets cardholders earn double miles on every purchase and even more on every trip. It has an annual fee, but it doesn t charge foreign transaction fees.Some popular alternatives include:

• Wise (formerly TransferWise)
• Remitly
• Xoom (a PayPal service)

These services typically offer faster transfer times and more transparent pricing than traditional bank wire transfers.They also often provide the convenience of sending money online or through a mobile app.

Capital One 360 Checking Account for International Use

The Capital One 360 Checking Account is a popular choice for international travelers due to its lack of foreign transaction fees and ATM fees. A Capital One 360 checking account won t charge you fees for using an out-of-network ATM. HSBC doesn t charge foreign transaction fees or foreign ATM fees, plus it has international ATMs.This can save you a significant amount of money compared to accounts that charge these fees.

Benefits of the 360 Checking Account

Here are some of the key benefits of using the Capital One 360 Checking Account for international travel:

• No Foreign Transaction Fees: You won't be charged any fees for making purchases or withdrawing cash in foreign currencies.
• No ATM Fees: Capital One doesn't charge fees for using out-of-network ATMs, including those overseas. It s an online booking experience for eligible Capital One cardholders that s designed to make planning travel enjoyable. Capital One Travel sorts through thousands of options to help you get our best prices for flights, hotels and car rentals. 1 Eligible cardholders can even earn extra rewards when they book through Capital One Travel.However, the ATM operator may still charge a fee.
• No Monthly Service Fees: There are no monthly service fees or minimum balance requirements.
• Interest-Bearing: The account earns interest on your balance.

Important Considerations

While the Capital One 360 Checking Account offers several benefits for international use, there are a few things to keep in mind:

• ATM Operator Fees: As mentioned earlier, the ATM operator may charge a fee for using their machine. Capital One International Transfer SWIFT Code. An individual group of 8 or 11 alpha-numeric characters known as the Society for Worldwide Interbank Financial Telecommunications (SWIFT) Bank Identifier Code (BIC) uniquely identifies a particular financial institution and each of its branches.Capital One doesn't reimburse these fees.
• Currency Exchange Rates: While Capital One doesn't charge foreign transaction fees, the exchange rate used may not be the most favorable.

Tips for Using Capital One Internationally

Here are some practical tips to help you make the most of your Capital One card and services while traveling internationally:

• Check for Foreign Transaction Fees: Before you travel, confirm whether your Capital One credit or debit card charges foreign transaction fees.
• Update Your Contact Information: Ensure that your contact information is up to date with Capital One so they can reach you if needed.
• Download the Capital One Mobile App: The app allows you to monitor your account, lock your card, and manage your finances on the go.
• Consider a Travel Credit Card: If you travel frequently, consider a Capital One travel credit card with no foreign transaction fees and valuable travel rewards.
• Explore Capital One Travel: Use Capital One Travel to find the best prices on flights, hotels, and rental cars, and earn extra rewards.
• Be Aware of ATM Fees: When using ATMs overseas, be aware of potential fees charged by the ATM operator.
• Compare International Money Transfer Options: If you need to send money overseas, compare the fees and exchange rates offered by Capital One and alternative money transfer services.
• Protect Your Card: Keep your card safe and secure while traveling, and be vigilant about potential scams.
• Know the SWIFT Code: Have Capital One's SWIFT code (HIBKUS44) readily available if you need to receive international wire transfers.

Capital One International Travel Insurance

Many Capital One credit cards offer travel-related insurance benefits, providing peace of mind during your international adventures. Capital One International Wire Transfer. Capital One is one of the largest banks in the US and many people use them to transfer money overseas. In this guide, we will look at how to transfer money overseas with Capital One, how long it takes, and how much it costs. However, they may not be the best option for international money transfers.These benefits can vary depending on the specific card, so it's important to review your card's guide to benefits for detailed information. FAQs on Capital One international fees. Can I use my Capital One card internationally? Yes. Capital One cards can be used internationally, with no need to tell Capital One about your travel plans in advance. Just look out for the logo of the network your card is issued on Visa or Mastercard for example to start spending.Some common travel insurance benefits include:

• Trip Cancellation/Interruption Insurance: Reimburses you for non-refundable trip expenses if your trip is canceled or interrupted due to covered reasons.
• Baggage Delay Insurance: Covers expenses incurred due to delayed baggage, such as toiletries and clothing.
• Rental Car Insurance: Provides coverage for damage or theft of a rental car.
• Travel Accident Insurance: Offers coverage for accidental death or dismemberment while traveling.

While these benefits can be valuable, it's essential to understand the limitations and exclusions of each policy.Consider purchasing additional international travel insurance for more comprehensive coverage if needed.

Conclusion: Mastering Capital One International

Navigating the world of Capital One International can be straightforward with the right knowledge.From confidently using your Capital One cards abroad to understanding international wire transfers and leveraging Capital One Travel, you now have the tools to manage your global finances effectively.Remember, many Capital One cards offer the advantage of no foreign transaction fees, making them ideal companions for international travel.The Capital One 360 Checking account provides a convenient way to access your funds without incurring extra charges.If you need to send money internationally, compare Capital One's fees with alternatives like Wise or Remitly to ensure you're getting the best deal.By understanding the benefits and limitations of Capital One's international services, you can travel with confidence and manage your finances with ease.So, go ahead, explore the world, and let Capital One be your trusted financial partner on your global adventures.