FAQ – Desjardins credit cards – Travelling abroad

Lower RRIF minimum withdrawals

If you want to know more about the governmentís announcement to lower RRIF minimum withdrawals, speak to your caisse advisor or go to the Government of Canada website - External link. This link will open in a new window..

There is a 2.5% fee for any foreign currency amount charged to your account and converted into Canadian dollars. Hereís how itís calculated:

  1. The amount of a purchase is converted into Canadian dollars at the exchange rate in effect on the date we receive the invoice from the merchant.
  2. A 2.5% fee is then added to this amount. The exchange rate that is applied is the rate used by Visa Inc.

Consult the Visa currency converter - External link. This link will open in a new window..

  • In the My Card Is In field, select Canadian Dollars (CAD).
  • In the My Transaction Was In field, select the currency of your purchase.
  • In the Enter Bank Fee field, enter 2.5.


The resulting exchange rate will include the conversion fee. Do the opposite calculation to find out how many Canadian dollars you paid for a purchase in a foreign currency.

To get the exchange rate without the conversion fees, enter 0 in the Enter Bank Fee field.

The 2.5% conversion fee also applies to cash advances. Interest charges are calculated from the transaction date until the cash advance is fully repaid.

Use the Visa ATM Locator.

The amount of your refund may be different from the amount of your purchase when the transaction is made in a foreign currency.

First, the exchange rate varies throughout a day which can cause a difference between the purchase amount and the credit amount.

Moreover, there are 2 types of exchange rates: the selling rate and the buying rate. The selling rate is used when a purchase is made in a foreign currency whereas a buying rate is used for refunds. So, when you buy an item and return it, a different exchange rate is used, which results in a difference in the purchase amount and refunded amount.

To find out the difference between the selling and buying rate, go to Exchange rates for cheque drafts/wire transfers.

Please note that Desjardins Card Services is not required to refund clients for this difference.

We suggest that you call an operator in the country you are visiting to call us collect at 1-514-397-4610. A Desjardins Card Services agent will accept the call.

If there are no operators available from where you are calling, you can use the Canada Direct service to make a collect call. To find our more, go to the Canada Direct site and follow the instructions:

  • In the Canada Direct access numbers list, find the number for the country you are in.
  • Dial the access number.
  • Follow the instructions to select a language.
  • Dial 0 to make a collect call.
  • A bilingual Canadian telephone operator will be available to help you during the entire process.


Some U.S. gas pumps ask you to enter a 5-digit zip code when paying for gas directly at the pump. The zip code corresponds to the cardholder's postal code.

Since your credit card is Canadian, we offer a solution that lets you pay at the pump by entering the 3 digits in your postal code followed by “00.” For example, if your postal code is H2Z 2W3, you would enter “22300.”

This solution only works with your permanent address or active temporary address.

If you have a U.S. address, your 5-digit ZIP code will work.

Be sure not to confuse the zip code with your PIN. These numbers are different.

Please note that not all U.S. gas pumps require a zip code.

As with all Desjardins credit cards, new cards feature a 5-digit PIN. Make sure to use a PLUS* network ATM. This network is the equivalent of Canada's InteracMD network and recognizes 5-digit PINs, like the one used for your card. If you're asked to enter a 4-digit PIN during a transaction, enter your 5-digit PIN anyway.

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