When they pay with their card in other currencies

• In the POS terminal or dataphone, they will have to choose the payment to be made in the country's currency (for example, dollars if it is in the USA).
• At that time your account will be debited with the exchange rate fee charged by the card brand (such as VISA or Mastercard) for the currency exchange.
• When the transaction is completed, we will refund the currency exchange fee.

When they withdraw cash at ATMs (up to 3 times a month)

• They can choose any ATM to withdraw cash in another currency.
• If the ATM asks them to apply the exchange rate, they will have to choose “no” so that we can do it from BBVA.
• At that moment, the exchange rate fee applied by the card brand and the fee for withdrawing cash at the ATM applied by BBVA will be charged.
• When the transaction is completed, we will credit both fees to the account.

The ATM may charge other fees for each transaction. Since these types of fees do not depend on BBVA, we cannot refund them.