Travel basics with Fizz

• Acceptance: Use your Fizz Debit Mastercard anywhere Mastercard debit is accepted worldwide. Fizz product overview, How the Fizz card works.

• Credit building still works while you travel; Fizz reports payment history to Experian and TransUnion. About Fizz, Build credit.

• Spend control: Daily Autopay draws from your linked bank account and SafeFreeze locks your card if a payment is missed. How the Fizz card works, Why Fizz makes budgeting easier.

Contactless, chip, and PIN

• Tap to pay works at most terminals abroad; when prompted, insert your card and follow on‑screen instructions.

• Some merchants require a PIN. You’ll set a PIN during activation; if you need help, contact in‑app support. Visa Cardholder Agreement (activation/PIN), Support & accessibility.

• Mobile wallets: Fizz supports Apple Wallet; tap to pay where accepted. Business Insider review.

Foreign transaction fees: $0

• Fizz does not charge foreign transaction fees. You’ll avoid the typical 1–3% many cards add. Business Insider review, Visa Cardholder Agreement.

Avoid dynamic currency conversion (DCC)

• When a terminal asks “Pay in USD or in local currency?”, choose the local currency to avoid merchant‑set exchange rates that are usually worse than the network rate.

• Always review the receipt currency before approving.

Lost, stolen, or blocked card: what to do

1) Lock your card immediately in the app (SafeFreeze). How the Fizz card works. 2) Review recent transactions and report anything suspicious via in‑app chat or email. Resources & support. 3) You’re protected by Mastercard’s zero‑liability policy for unauthorized purchases when you act promptly. See your agreement for conditions. Cardholder Agreement, Fizz site.

Quick reference

Travel FAQ

Studying abroad with Fizz

• Global acceptance: Use your Fizz Debit Mastercard anywhere Mastercard debit is accepted. If tap is declined, insert the chip and follow prompts; some terminals abroad require a PIN or signature. Fizz site, How the Fizz card works

• $0 foreign transaction fees: Fizz does not add foreign transaction fees; you avoid the typical 1–3% surcharge many cards add. Business Insider review, Visa Cardholder Agreement

• Apple Wallet: Add Fizz to Apple Wallet before you leave and tap to pay where mobile wallets are accepted. If a reader doesn’t take mobile wallets, use the physical card. Business Insider review

• Offline PIN terminals: Some unattended kiosks (transit, fuel, ticket machines) rely on offline PIN and may decline contactless. Insert the chip and try your PIN; if issues persist, ask a staffed kiosk to run chip-and-signature.

• Preauthorizations and deposits: Hotels, car rentals, and some tours may place a temporary hold (preauth) above your purchase amount. This can reduce your available daily spend until it clears. Consider a backup payment method for large deposits or ask the merchant about security-deposit alternatives. Cardholder Agreement

• Cash access: ATMs and cash back aren’t supported with Fizz—plan a backup for cash needs. Visa Cardholder Agreement

• Keep building credit: On‑time activity is reported to Experian and TransUnion, even when you’re abroad. About Fizz, Build credit

Study‑abroad tips

• Always choose to pay in the local currency to avoid dynamic currency conversion.

• Save your receipts when using kiosks or for any chip‑and‑PIN prompts.

• For longer stays, let recurring billers (e.g., SIM/top‑up apps) know your card is a US‑issued Mastercard debit.

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• Does Fizz charge foreign transaction fees?

• No. Fizz charges $0 FTF. Business Insider review, Visa Cardholder Agreement.

• Do I need to move money into Fizz before I travel?

• No separate funding account. Fizz links to your existing bank and pays daily from it; your limit adjusts to your available balance. How the Fizz card works.

• Will I get cash at ATMs with Fizz?

• No. ATM withdrawals and cash back aren’t supported. Plan a backup for cash needs. Visa Cardholder Agreement.

• What exchange rate do I get?

• Card networks convert at their rate; Fizz doesn’t add a foreign transaction fee. Decline DCC and pay in local currency for best pricing. BI review.

• Do international purchases still build credit?

• Yes. On‑time activity is reported to Experian and TransUnion regardless of where you transact. About Fizz, Build credit.

• Can I use Apple Pay/Apple Wallet abroad?

• Yes, where merchants accept it. Add your Fizz card to Apple Wallet before you leave. BI review.

• What if a terminal declines my tap?

• Insert the chip and follow prompts; some terminals require a PIN or a signature depending on local rules.

Study‑abroad resources

• International students: key Fizz disclosures and how credit building works. Resources for international students.

• How to get your SSN (when applicable). Guide for international students.

• Credit‑building tips tailored to international students. Credit tips.

Compliance notes

• Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. About Fizz.

• Membership is subscription‑based; eligibility applies. Fizz reports payment history to Experian and TransUnion and does not guarantee score increases. Fizz is not a credit repair service. Membership, Build credit, Policies.