ATM Cards That Work in Guatemala 2026: Chase, BofA, Wells Fargo Fees

In short: yes, US debit cards work in Guatemala — the question is what your bank charges. We read each issuer’s own fee schedule on 2 October 2026. Chase and Bank of America each charge $5 per withdrawal at an ATM abroad plus 3% of the amount; Wells Fargo Everyday Checking charges $5.00 per withdrawal outside the US and 3% on foreign-currency purchases. Capital One 360, Schwab Investor Checking and the Fidelity Cash Management Account state they charge no foreign transaction fee, and Schwab and Fidelity refund ATM fees. The Guatemalan ATM’s owner may add its own fee on top, and Guatemalan banks do not publish it in retrievable form.

This page is about the card you pack: which US cards cost what at a Guatemalan ATM. If your question is what happens at the till — paying in dollars, Amex, card surcharges, passport requests — that is US dollars and US cards in Guatemala. For Apple Pay and Google Pay, see Apple Pay and Google Pay in Guatemala; for Zelle, Venmo and Cash App, see US payment apps in Guatemala.

Bank by bank: what your US card costs at a Guatemalan ATM

Every figure below is from the issuer’s own published fee schedule or product page, read on 2 October 2026. The ATM owner’s own fee column is the separate fee the Guatemalan machine may charge — set by the Guatemalan bank, not by your card issuer.

What a single withdrawal costs, from those numbers. Take a withdrawal worth US$200 at a Guatemalan bank’s ATM. With a Chase or Bank of America checking debit card, the bank’s published fees come to $5 + 3% of $200 = $11 before the Guatemalan ATM owner’s own fee. With Capital One 360, the Capital One side is $0 by its own statement, leaving only the ATM owner’s fee. With Schwab or Fidelity, the ATM owner’s fee is rebated or reimbursed under the terms each publishes. The arithmetic is ours; the inputs are the issuers'.

Schwab: what the rebate covers and what it excludes

Schwab’s disclosure, read on 2 October 2026, says the unlimited ATM fee rebates apply to cash withdrawals with the Schwab Bank Visa Platinum Debit Card wherever it is accepted, and that Schwab Bank does not assess foreign transaction fees to debit card holders. The same disclosure lists what is not rebated: fees imposed by merchants or ATM operators for point-of-sale transactions, balance inquiries, and non-local ATM currency withdrawal fees, which Schwab calls dynamic currency conversion fees — that is, the cost of letting a Guatemalan ATM convert your withdrawal to dollars. The rebate appears as a lump-sum credit on the statement that includes the ATM fees. The Investor Checking account is opened only as a linked account with a Schwab One brokerage account, which Schwab says has no minimum balance requirement. Schwab reserves the right to modify or discontinue the rebate.

The practical consequence of the DCC exclusion: when a Guatemalan ATM asks whether to charge you in US dollars or quetzales, pick quetzales — a conversion fee from accepting dollars is outside Schwab’s rebate by Schwab’s own wording. The Visa rule that this choice must be yours is quoted on our US cards and dollars page.

Fidelity Cash Management Account

Fidelity’s ATM/Debit Card page states that ATM fees are reimbursed when the card is used as part of a Fidelity Cash Management Account, with the reimbursement credited the same day the ATM fee is debited, and that Fidelity does not charge foreign transaction fees. It warns that if you choose to pay a foreign debit card transaction in US dollars, the transaction may be processed at a rate different from the market exchange rate. The card works at ATMs showing the Visa, Plus or Star logos, according to the same page.

Wise Multi-Currency Card

For US residents, Wise’s card fee page lists a 9 USD card order fee (the digital card is free) and a replacement card at 5 USD. Wise charges no ATM withdrawal fee in a calendar month while total withdrawals stay at or below 250 USD combined; after that, 1.95 USD + 1.95% applies to each withdrawal. Wise notes that ATM operators may charge their own fees.

Capital One 360 Checking

Capital One’s 360 Checking page says it charges nothing to open, keep or use the account, or for foreign transactions, and that while Capital One does not charge additional fees for out-of-network ATM use, the out-of-network ATM owner may. The same page describes a 70,000+ fee-free ATM network made up of Capital One, MoneyPass and Allpoint machines; it does not say whether any of them are in Guatemala. Capital One also states it doesn’t charge foreign transaction fees.

Chase, Bank of America and Wells Fargo

Chase and Bank of America publish a per-withdrawal fee abroad and a percentage fee on the withdrawal. Wells Fargo’s Everyday Checking schedule publishes a per-withdrawal fee abroad; the 3% it lists is for debit card purchases in a foreign currency:

• Chase: $5 per non-Chase ATM withdrawal outside the US and US territories, plus 3% of the withdrawal after conversion. Chase’s schedule also lists a non-ATM cash fee — 3% of the dollar amount or $5, whichever is greater — if you take cash with the debit card at another financial institution’s counter. Chase Premier Plus Checking and Chase Private Client Checking pay neither the non-Chase ATM fee nor the Foreign Exchange Rate Adjustment, per the same document.
• Bank of America: $5.00 per withdrawal or transfer at a non-Bank of America ATM in a foreign country, plus 3% of the US dollar amount. BofA Rewards Premier clients get the international ATM fee and the International Transaction Fee waived. The schedule says the non-Bank of America ATM fees do not apply at some ATMs outside the United States, and asks travellers to call for the current list of participating banks.
• Wells Fargo: Everyday Checking lists $5.00 per cash withdrawal at a non-Wells Fargo ATM outside the US and 3% on each debit purchase in a foreign currency. Other Wells Fargo accounts have their own schedules.

If you bank with Chase or Bank of America, $5 plus 3% is the published standard cost of each withdrawal in Guatemala; with Wells Fargo Everyday Checking it is the $5.00 withdrawal fee. Both are before the ATM owner’s charge. Some premium tiers waive the bank’s part: Chase’s account guide lists non-Chase ATM transactions and the foreign exchange rate adjustment among the fees it does not charge on Premier Plus and Private Client Checking, and Bank of America waives both its $5 foreign ATM fee and its 3% International Transaction Fee for BofA Rewards Premier tier customers.

Wells Fargo locations and Bank of America partners

Wells Fargo says it operates no branches or ATMs outside the United States (read 27 October 2026). Its debit and ATM cards can be used for balance checks and cash withdrawals at other banks’ ATMs displaying the Plus logo.

Bank of America’s international partner page says using its ATM or debit card at one of its International partner ATMs avoids the non-Bank of America ATM $5 usage fee for each withdrawal, transfer or balance inquiry, while its international transaction fee of 3% of the converted US dollar amount still applies (read 27 October 2026). Its Scotiabank entry names Canada, Mexico, Peru, Chile and Caribbean countries, not Guatemala.

The Guatemalan side: the ATM owner’s fee

Every US issuer above says the ATM owner may add its own charge. On the Guatemalan side, the per-withdrawal amount is not published in retrievable form by the four banks we checked: on 2 October 2026, bi.com.gt/tarifario redirected to Banco Industrial’s home page, baccredomatic.com/es-gt/tarifario returned a page with no fee data, and banrural.com.gt/tarifario and bam.com.gt/tarifario returned 404. So this page carries no per-bank ATM fee table and no typical fee — an earlier version of this page did, without a source, and it has been removed. Our ATM fee comparator carries hand-checked figures with its own dated note; treat them as a person’s reading of bank material, not a published tariff.

The same applies to withdrawal caps per machine: none of those four pages published one, so this page does not quote one. Your own bank sets your daily foreign withdrawal limit and can tell you what it is.

ATM safety practices

These are common-sense practices rather than published rules:

• Prefer ATMs inside bank branches or shopping centres, during business hours.
• Cover the keypad when entering your PIN.
• Do not use a machine that looks damaged or tampered with.
• Take your card and cash before turning away.
• If an ATM keeps your card, call your US bank’s number on the back of your card (or in its app) to block it, and tell the Guatemalan bank that owns the machine.

Credit cards

The issuer decides whether a credit card charges a foreign transaction fee. Chase writes that these fees typically range from one to three percent on average and that some issuers impose none; Capital One states that it doesn’t charge foreign transaction fees. Check your own card’s agreement before you fly. At the till, the Visa Core Rules bar card surcharges and card minimums with no Guatemala exception, allow a merchant in this region to ask for ID if it suspects fraud, and require that converting to dollars at the terminal be optional and expressly agreed.

Exchanging physical dollars instead

Canada’s travel advice for Guatemala says US dollars may be exchanged for local currency at most major banks. Which bank offers what rate is a different question, covered on best bank for USD exchange in Guatemala. Today’s Banco de Guatemala reference rate is on the exchange rate tracker.

Sources

All read on 2 October 2026 unless noted:

• Chase, Deposit Account Agreement — Additional Banking Services and Fees (effective 6/14/2026), chase.com
• Bank of America, Personal Schedule of Fees (effective August 7, 2026), bankofamerica.com
• Wells Fargo, Everyday Checking quick view account fees summary, wellsfargo.com
• Capital One, 360 Checking product page and Foreign transaction fees explainer, capitalone.com
• Charles Schwab, Checking page and ATM-rebate disclosure, schwab.com
• Fidelity, ATM/Debit Card page, fidelity.com
• Wise, Pricing for the Wise Multi-Currency Card (US residents), wise.com
• Discover, international acceptance FAQ, discover.com
• Guatemalan bank tariff addresses (BI, BAC, Banrural, BAM): checked 2 October 2026 (see above)
• Wells Fargo — international location information, read 27 October 2026.
• Bank of America — international partner ATMs, read 27 October 2026.

What’s next

• US dollars, Amex and US cards in Guatemala — the law and card rules at the till
• Visa requirements for US travelers — entry, stay, extensions
• Best banks for foreigners — if you are staying long enough to open a Guatemalan account