What is the policy for foreign transactions on my UMB Bank card?

UMB Bank has specific policies regarding foreign transactions that its cardholders should be aware of. Generally, when a UMB Bank cardholder makes a purchase in a foreign currency, the transaction will typically be converted into United States dollars. This conversion usually reflects the current exchange rate at the time the transaction is processed. Additionally, UMB Bank may charge a foreign transaction fee on these purchases. This fee is commonly a percentage of the transaction amount and varies depending on the type of card being used. Furthermore, cardholders may also want to consider that some foreign merchants may offer the option to conduct transactions in U.S. dollars. While this might seem convenient, it is important to note that this currency conversion may result in unfavorable exchange rates compared to what UMB Bank would provide. For anyone planning to travel abroad or engage in international transactions, it is advisable to carefully review the specific terms and conditions associated with their UMB Bank card. To obtain the most accurate and up-to-date information regarding foreign transaction fees or other related inquiries, cardholders may wish to visit the current UMB Bank website for detailed information and personalized assistance.