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Foreign transaction fees can add up fast when using your debit card abroad. The fees are often 1% to 3% of the amount of a purchase. Foreign ATM: 3% of transaction or $5, whichever is greater. Foreign Transactions: 3%. Institution. Bank of America. Direct Debit: $; Domestic Wire: $; Bill Payment: $; Debit card: $; Credit card: $ Payment fee: $ Exchange rate.