In my example, it shows that while the transaction actually occurred on February 1st, the transaction did not post until February 2nd. In the online transaction viewer, you can click the “+” button next to the transaction date and it will show you both the Transaction date, and the Posting date. The transactions listed here are exactly the same as the transactions that show up in your monthly credit card statement, with one notable difference. Screenshot from my transactions list on Capital One’s website: Below is a screenshot of my transactions list that you can find by logging into your Capital One online account. You can see that my 37.80 Euro transaction became a 51.84 US dollar transaction once the exchange rate was applied.ģ. Below is a screenshot of a small part of my February Credit Card Statement (my account number is blacked out) where it lists the transaction “Nebenzollzahlstelle HannoHannover” and the exchange rate used. Since my account is in US Dollars, the transaction had to be converted from EUR to USD before it showed up on my statement.

Screenshot from my Captial One Credit Card Statement: When I paid 37.80 Euro for the custom tax, I used my Capital One credit card where I have an account in the United States. Please note that the date on this receipt is in DD.MM.YYYY format, which is typical in Germany.Ģ. The important information here is the Total ( Summe) I paid, which was 37.80 Euros, and the date ( Einzahlungstag), which was. Actual paper receipt:Below is a photo copy of my receipt ( Quittung) from the Customs Office ( Hauptzollamt) in Hannover, Germany. All of these documents contain information about a customs tax transaction that I made in Hannover, Germany on February 1st, 2013.ġ. a screenshot of my transaction list from Capital One’s website. a screenshot of my credit card Statement, and 3. I have taken the liberty of posting photos of 1. I am a proud owner of a Capital One Visa card precisley because of its no foreign transaction fee. In Part 2, I’ll answer questions about the currency exchange. I will provide copies of my receipt and credit card statement of one transaction in Part 1. The best way to answer these questions is to use an actual credit card transaction with my Capital One Visa card as an example. If you are reading my post, however, I’ll assume you already know about the no transaction fee credit cards, and are interested in some more in depth questions like: How does the credit card company determine their currency exchange rate, and can the credit card company use the exchange rate to charge hidden fees?

For a list of these cards, use this post from Nerd Wallet. Fortunately, there are a number of credit cards, including all Capital One cards, that charge NO foreign transaction fees. If you travel a lot, the foreign transaction fees can add up very quickly. Typically, when you use an american credit card to buy a product in a different currency, the credit card company will charge you a 2-3% fee right away – called the foreign transaction fee – before it converts the currency according to the latest exchange rate.

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