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@kevineto123 Foreign Tax Credit. If the numbers work out (which is usually the case in high-tax countries) it can be more flexible than the Foreign Earned Income Exclusion. But it's a little more calculation at tax time.

@jeremiah33 I never do any transactions involving my actual card number or physical card. In person, I use ApplePay which creates a new one-time number for each transaction. Online I use the bank's feature to create a merchant-specific virtual card number for each company I buy from. Since...

@calebtheclown Almost certainly you are the only person who remembers this fee. It would have been written off a long time ago.

@bluegill_04 Always tell Bank of America you are transferring to a US dollar denominated account. That way they will not do the currency conversion, and the receiving bank will instead. Banks outside the USA are almost always less predatory with their exchange rates.