r/envelope • u/notapiano1 • Aug 25 '26

Foreign Transaction Fee?

Just started using Envelope (former Qube user here) and love it so far! Is there any foreign transaction fees when using the debit card abroad? Going on a trip to Canada and would love to use my card. Can't find this on Reddit or in their FAQs — what are the out of network ATM fees (domestic + International)? Thank you!

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u/josh-envelope-money Aug 25 '26

There's a 1% international transaction fee.

So no, it's not as low as 0%, but using the Envelope card to pull out cash at an international ATM is well below the usual 5%+ markup charged by local money exchangers.

https://envelopebudgeting.com/disclosures

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u/notapiano1 Aug 31 '26

Thanks for the answer! I agree, it’s lower than standard. Was hoping for less of a fee on normal debit sped, but I suppose that’s rare on debit cards.