# Moving Funds, Internationally, With A Visa Debit Card

**URL:** <https://community.nomadgate.com/t/moving-funds-internationally-with-a-visa-debit-card/42619>\
**Category:** Finances\
**Created:** [September 24, 2021, 6:39pm UTC](https://community.nomadgate.com/t/moving-funds-internationally-with-a-visa-debit-card/42619 "2021-09-24T18:39:06Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![regalias999](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/r/6f9a4e/32.png) [@regalias999](https://community.nomadgate.com/u/regalias999)\
**Post date:** [September 24, 2021, 6:39pm UTC](https://community.nomadgate.com/t/moving-funds-internationally-with-a-visa-debit-card/42619/1 "2021-09-24T18:39:06Z")

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I have a bank account in Latin America that comes with a Visa debit card.

I also have bank account in the United States.

I don’t, as of yet, have a [Transferwise](https://nomadgate.com/go/wise) account in the U.S.

Background - For a number of years, I have needed to pay a wire transfer fee to move funds back to the U.S. I think it’s around $40.00 with the intermediary fee. Is there a way to use the Visa card to move the funds, at a reduced cost? People usually use a Visa card to purchase goods and services. In my travels from years ago, I believe I used my U.S. Visa card to get a cash advance at a bank in Yugoslavia, if my memory serves me correctly! So I woke up this morning with this idea in my head: How can I use the foreign Visa card to move funds internationally and avoid paying the wire transfer fee? I live in one of the handful of dollarized economies in Latin America - so there would be no foreign exchange charge. Could this be accomplished with a WISE account? If it could, I could do a free ACH from WISE to my U.S. bank account. Can anyone suggest a way to accomplish this end, if it is even possible?

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**Author:** ![louisz](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/l/c77e96/32.png) [@louisz](https://community.nomadgate.com/u/louisz)\
**Post date:** [September 25, 2021, 3:18am UTC](https://community.nomadgate.com/t/moving-funds-internationally-with-a-visa-debit-card/42619/2 "2021-09-25T03:18:31Z")

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I don’t think [Wise](https://nomadgate.com/go/wise) would be a good idea since they have processing fees if your USD card is not issued in the U.S.

I have a [Wise](https://nomadgate.com/go/wise) account and also have a USD debit card from a ‘dollarized’ Latin country. When I try adding 500 USD to [Wise](https://nomadgate.com/go/wise) using the debit card, there is a $22 USD fee. For adding $1000 USD the fee is $44 USD.

Furthermore, the following message is shown:

> It looks like your card is not issued in the U.S. and therefore, we’ll need to add a fee to cover the extra processing costs.

[Wise](https://nomadgate.com/go/wise) can tell where you card was issued from the first 6 digits of your card (aka the BIN number)

When I use a debit card from an actual U.S. bank to add $500 USD, the fee is $5.70 USD.

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**Author:** ![regalias999](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/r/6f9a4e/32.png) [@regalias999](https://community.nomadgate.com/u/regalias999)\
**Post date:** [September 25, 2021, 4:01am UTC](https://community.nomadgate.com/t/moving-funds-internationally-with-a-visa-debit-card/42619/3 "2021-09-25T04:01:36Z")

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Thanks for the information. Maybe with Bitcoin it would be possible - in an indirect way, but I have absolutely no familiarity with crypto.