International Transactions

International Transactions

There are a few things to keep in mind if you make any transactions with an international merchant.

One of them is that it’s the merchant’s location that matters, so a transaction can be considered international even if you make it from home, online, in U.S currency.

International transactions are subject to slightly different limits, and they may also be subject to a small service fee from Visa.

International transaction fees

If you make an international transaction with your Simple card, you may incur Visa's International Service Assessment (ISA) fee, which is 1% of the transaction amount. For example, a transaction for $125 may incur a fee of $1.25.

The fee will show up as a separate transaction, and it may come through before or after the original purchase. Here’s an example of an international transaction fee that came through a couple of days after the initial transaction.


International transaction limits

The daily international spend limit for your Simple card is $1,000. We can increase that to the normal daily limit of $6,000 if you give us a heads up in advance. You can do that by filling out a travel notice within your account, or you can send us a support messagesend us a support messagesend us a support message or give us a call at 888-248-0632.

If you’re traveling

This article just covers transactions with international merchants—if you’re planning to use your Simple account while traveling, check out the Traveling article for lots of other helpful details.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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