# Overseas Charges & Exchange Rates  ## About - Author: macquarie.com.au - Title: Overseas Charges & Exchange Rates - Tags: #articles - URL: https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/overseas-charges-and-exchange-rates.html ## Highlights Tips for credit and debit cards • Choose to be charged in the local currency rather than AUD • Select **Credit** when transacting in-store and using overseas ATMs • If you experience issues tapping your card, please try the transaction again and insert or swipe your card. This way you are benefiting from very competitive wholesale foreign exchange (FX) rates that we offer on our credit and debit cards (see below). You’ll also avoid paying what can be hefty commissions that many local merchants charge if you elect to pay in AUD. - Note: Clicking 'credit' with a debit card sends the payment through Visa or MasterCard and means you have to sign, not punch in a PIN ---