Hanpass Card Overseas Usage Guide

Check your overseas payment billing flow first.

See at a glance how exchange rates and fees are added on top of your USD transaction amount.

Just four things to check before you pay.

Break it into payment currency, the receipt-date rate, two fees, and DCC block status — and the guide gets far shorter.

USD basisBilling starts from the US dollar amount, including overseas online purchases.
Exchange rateConverted at the designated bank's first-quoted TT selling rate on the receipt date.
Add the feesA 1.1% international brand fee and a 0.25% overseas service fee are applied.
Watch for DCCPaying in KRW can add extra fees, so local currency is recommended.

Here's how the billed amount adds up.

The actual billed amount can vary based on the exchange rate and fee policy on the receipt date, not the transaction date.

USD amount × TT selling rateInternational brand feeOverseas service fee
Diagram showing how an overseas amount becomes the billed amount through exchange rate and fees
International brand fee1.1%

The international brand fee rate applied from July 2026.

Overseas service fee0.25%

Applied separately as the Hanpass Card overseas service fee.

Rate basisReceipt date

The designated bank's first-quoted TT selling rate applies.

Image comparing choosing local currency versus a KRW payment caution at a payment terminal

Double-check before paying in KRW.

Paying in Korean won at an overseas merchant can trigger an extra DCC fee. Choose local currency or USD instead.

RecommendedPay in local currency or USD
CautionA KRW payment offer at an overseas merchant

Check the DCC block in the app.

It is blocked by default. When needed, re-check the overseas KRW payment block status via the app.

  1. Hanpass app
  2. Card management in the Hanpass Card tab
  3. Check the Overseas KRW Payment Block menu
Overseas KRW payment block turned on in the Hanpass app card management screen

One last check before you pay

Exchange rates and fees may vary based on the actual receipt date, and cashback policies may change according to marketing policy.