Pay with
your phone.

Each figure except JetSet’s own fee is an assumption you can change. The label says what kind of figure it is; the sources say where it comes from and when it was last checked.

• Foreign transaction fee on a card purchasetypical
  %

  Sources: Consumer Financial Protection Bureau, Regulation Z commentary (comment 4(a)-4.ii.B); Capital One, “Foreign Transaction Fees Defined & Explained”; Chase, “Additional Banking Services and Fees for Personal Accounts”, effective 14 Jun 2026.

• Margin your card issuer adds to the exchange rateassumption
  %

  Sources: Visa, “Pay the same exchange rate every time”.

• How much worse an airport exchange kiosk’s rate is than the mid-market ratenot uncommon
  %

  Sources: NerdWallet, “Traveling Abroad? Order Currency Before You Go”.

• Exchange fee when your home card is used at a foreign ATMexample
  %

  Sources: Chase, “Additional Banking Services and Fees for Personal Accounts”, effective 14 Jun 2026.

• Flat fee per withdrawal abroad, charged by your home card’s issuer (US dollars)example
  US$

  Sources: Chase, “Additional Banking Services and Fees for Personal Accounts”, effective 14 Jun 2026; NerdWallet, “Traveling Abroad? Order Currency Before You Go”.

• The ATM’s own fee, in the local currency: enter the one the machine showsno source found
  in the currency abroad

  Sources: Chase, “Additional Banking Services and Fees for Personal Accounts”, effective 14 Jun 2026.

• JetSet’s own feenot set yet
  %

  JetSet has not stated this yet.

Sources

1. Consumer Financial Protection Bureau, Regulation Z commentary (comment 4(a)-4.ii.B) (opens in a new tab). An example of a 1 percent network charge and a 2 percent issuer charge, “for a total of a 3 percentage point foreign transaction fee”. last checked 20 Sept 2026.
2. Capital One, “Foreign Transaction Fees Defined & Explained” (opens in a new tab). “Generally 1%-3% of the transaction amount.” last checked 20 Sept 2026; the source is dated 12 Mar 2026.
3. Chase, “Additional Banking Services and Fees for Personal Accounts”, effective 14 Jun 2026 (opens in a new tab). A 3% exchange rate adjustment and a $5 fee for a withdrawal outside the US, with the ATM owner’s own surcharge still applying. The page says these may be waived on some accounts. last checked 20 Sept 2026; the source is dated 14 Jun 2026.
4. Visa, “Pay the same exchange rate every time” (opens in a new tab). From April 2021 one exchange rate is used through authorization, clearing and settlement, with no charge for that change. It does not say what an issuer adds. last checked 20 Sept 2026.
5. NerdWallet, “Traveling Abroad? Order Currency Before You Go” (opens in a new tab). “Not uncommon to see airport exchanges charging 14% more” than the IMF rate, and some premiums over 17%. NerdWallet’s own finding. last checked 20 Sept 2026; the source is dated 14 Sept 2026.

Exchange rates as of 18 Sept 2026: European Central Bank, euro foreign exchange reference rates (opens in a new tab). No live rate is used: the rate is only as current as this date.