Foreign Currency Exchange

Buying or selling foreign currencies is easy with BFSFCU!


Order your foreign currency through Digital Banking and have it delivered directly to you or the IFC Branch.

How to place your order:

  1. Log in to Digital Banking,
  2. Click on Self Service 
  3. Select Foreign Currency
  4. Follow the instructions on the screen and done!

Please note that orders submitted before 3:00 PM ET will be received the next business day. No Deliveries on Weekends or Holidays. Limit to a maximum of $5,000 USD equivalent per delivery order.

All packages are shipped via FedEx and require a signature. You must be 21 or older to sign. Standard overnight delivery is the next business day, by 8:00 PM ET, to your residence.


Did you come back from a trip with extra cash? No problem!

Visit our IFC branch to sell your foreign currency back to us.

Branch Locations


  • Q: How many different currencies are available?

    We offer close to 100 different currencies. To view all our selection of currencies, please log in to Digital Banking, select ‘Self Service’ under the drop-down menu, and then select ‘Foreign Currency’.

  • Q: Is there a fee for using my BFSFCU ATM or debit card at a non-BFSFCU ATM outside the United States?

    BFSFCU members can access surcharge-free ATMs that are part of the CO-OP Network and Alliance One Network, but a fee may be imposed for transactions outside of those networks, including:

    • ATM operator fee (also known as a surcharge fee). This fee is charged by the ATM owner. At BFSFCU, there are no ATM fees for members who use one of our BFSFCU ATMs or ATMs that are part of the CO-OP Network or Alliance One Network. These machines are considered “in-network.” Using an ATM outside of the network will likely result in a fee from the owner. On average, other financial institutions charge $3.00 - $4.00 for transactions that are not part of their network.


    • International Transaction Fee. Members using BFSFCU ATM or debit cards outside the United States will want to be aware of additional fees for using ATMs, as international transaction fees are often a percentage of the amount withdrawn. A foreign transaction fee (pass-through of surcharge from Visa®) applies when using a BFSFCU debit card at any merchant or retailer outside of the U.S. and is equal to 1% of the transaction. The foreign transaction fee also applies to online and in-person purchases.


    • BFSFCU credit card holders do not pay international transaction fees. Simply pay for purchases with your BFSFCU credit card to avoid international transaction fees. Please note that, when used at a non-network ATM overseas, the withdrawal is treated as a cash advance and interest will be charged.


    We also provide options for avoiding both ATM fees and foreign transaction fees:

  • Q: Where can I find the current exchange rates?

    Exchange rates are constantly being updated since they are subject to market conditions. The current rates are available in Digital Banking. Please select Self Service, and under the drop-down menu, select Foreign Currency.

  • Q: If I make a withdrawal of foreign currency at an ATM outside the United States, how is the exchange rate calculated?

    The ATM owner is responsible for setting the exchange rate, which is typically consistent with the global exchange rate of the day. In many cases, you will be asked to choose whether your withdrawal should be billed in local currency or converted to USD by the ATM owner. Choosing the option for conversion by the ATM owner may result in a less favorable exchange rate as well as potential surcharges, while the option to be billed to your BFSFCU debit card in local currency may be more favorable, since it is settled at the Visa® controlled prevailing exchange rate.

    Before you make your withdrawal, go online and search for the current global exchange rate to confirm whether the ATM you are looking to use is a good choice. And remember, if you use a BFSFCU credit card, we waive the 1% transaction fee!

  • Q: Can I order specific denominations of currency?

    We do our best to accommodate all the requests we receive, but specific denominations are subject to availability.

  • Q: What exchange rate will I pay when I use my BFSFCU Visa® credit card outside the United States?

    The exchange rate is set by Visa®, and you can use their online tool to calculate it here based on a number of factors. The exchange rate can change daily, so we recommend checking on the date you may be using your card for the most accurate information.

  • Q: I placed an order for currency to be delivered to my home address. When should I expect to receive it?

    Foreign Currency orders submitted before 3:00 PM EDT between Monday and Friday (non-holidays) will be shipped to you via FedEx Next Day delivery. Orders will not be delivered on holidays, Saturdays, or Sundays. If you need your order delivered to you on the next day, please make sure you place your order before 3:00 PM EDT.

  • Q: When using my BFSFCU credit or debit card outside the United States, should I pay in local currency or U.S. Dollars?

    In most cases, merchants will ask if the cardholder would like the merchant to convert the currency. This generally should be avoided as the merchant often adds additional fees to convert the transaction on the cardholder’s behalf. Additionally, all BFSFCU credit cards waive the 1% foreign transaction fee, but our debit card has a 1% fee associated with foreign transactions. 

  • Q: Can someone else receive the foreign currency order on my behalf?

    For security reasons, orders are only delivered to the member who placed the order, so you must be present at the location where the currency is being delivered. Please note that at delivery time, we will request a proof of identification (government issued ID).

  • Q: Is there an age restriction for receiving a foreign currency order?

    To receive your order, you need to be at least 21 years old.

  • Q: I plan to pick up my order in person at the IFC Branch location. What will be required to do so?

    When visiting the IFC branch to retrieve your order, you will need proof of identification (government issued ID).

  • Q: Are there shipping fees to have foreign currency delivered to me?

    Yes. There is a fee to have foreign currency shipped to you directly or to have it shipped to the IFC branch. However, if foreign currency is delivered to you the shipping fee is smaller. All fees and costs associated with ordering foreign currency are presented to you in Digital Banking prior to submitting an order.

Don’t have Digital Banking?

Enroll today or visit the IFC branch at 2100 K St NW, Washington, DC, and a branch representative will assist you with your order.

Learn More