Can Emburse Cards be used internationally?
Yes, Emburse Cards can be used internationally wherever VISA and Mastercard cards are accepted.
Do I need to inform Emburse Cards Support that I’ll be traveling?
No, you don’t need to inform Emburse Cards Support about your travel plans. However, we recommend enabling email or text notifications to prevent your card from being flagged for suspicious activity. This can happen if there’s any user of your card in an unfamiliar location, if there are high foreign transaction amounts, or if there are high-risk merchants involved. By enabling these notifications, you can ensure that your card doesn’t get suspended while you’re traveling. You can enable these notifications directly in your Emburse Cards account in your personal settings. For more information, refer to this article here.
What is the Foreign Transaction Fee for Emburse Cards?
Emburse Cards have no foreign transaction fees for purchases using the currency listed in your Emburse Cards account, but there will be a cross-border fee if the merchant's system is linked to a different country—even if the transaction is made in your currency.
- Example: A US-based card is used in the Bahamas for a charge in USD. No foreign transaction fee is charged, but there is a cross-border fee of .80% + $.30.
For purchases made in a currency other than the one listed in your Emburse Cards account, transaction fees are charged by Emburse's issuing processor.
- Example: A US-based card is used in the Bahamas for a charge in BSD. A .20% foreign transaction fee is added to the cross-border fee for a total of 1% + $.30.
The combined foreign transaction and cross-border fees for charges made in a currency other than the one listed in your Emburse Cards account are as follows:
- US-based Emburse Cards accounts: 1% + $.30 per transaction
- EU-based Emburse Cards accounts: 1% + €.30 per transaction
- UK-based Emburse Cards accounts: 1% + £.30 per transaction
Fees will be billed to your account balance in a single lump sum for all foreign transactions during your billing period.
What method does Emburse Cards use to convert the foreign currency rate to USD?
Interbank Exchange Rate