Capital One Debit Card Question

In the past the Discover network has been very limited. I would try to stick to Cirrus or Plus for best network access.

I have ignored the numerous notices from Capital One to request that I activate the Discover debit card that was sent to replace the Capital One Master Card debit card that was always accepted at all ATMs in every foreign country. It was my "go to" debit card for accessing foreign currency without fees.
I do not want a Discover Card and will not activate it.
Fortunately I have a Chase Visa debit card tied to my Chase Private Client checking account that does not charge foreign transaction fees. I had to call Chase to verify that there would be no foreign transaction fees if the account was Private Client.
I will be monitoring the responses to Julie's (OP) question.

There have been some discussions about this, here are a couple:

https://community.ricksteves.com/travel-forum/france/capital-one-atm-debit-cards-in-france

https://community.ricksteves.com/travel-forum/general-europe/recommendations-for-good-debit-card-that-will-be-widely-accepted

Hopefully someone with more recent experience will weigh in. FWIW, I took the changeover as a sign to move on and set up a Charles Schwab investment checking account to use on my next trip. It was easily done (and you don't have to fund the investment account unless you want to). And though the prior suggestion is to keep using the Visa branded debit card, it does have an expiration date and you will not have a choice but to activate the Discover branded card.

Here is another one who switched to the Charles Schwab debit card. As CL said, you do need to open a brokerage account, but you do not need to fund it. I used it in Romania as I needed more cash there than I usually do in countries, and it worked really well. No fees and very easy. I don't keep that much money in it, either, so I don't have to worry about something happening with it.

I also switched to Charles Schwab Investment checking debit card.

Even Capital One sent either an email or letter several months ago suggesting customers bring a second card when traveling international due to limited acceptance in some countries.

we switched to charles schwab too

Local credit union is our top choice so check in your area.

Thanks for flagging that. I recently received 2 new debit cards (different accounts) and I didn't even pay attention about any potential change to network. Great to know about the limitations with Discover.

We have an EdwardJones investment account, and use their debit card when we travel. There is a 1% foreign transaction fee, which is lower than the interest we receive on the account. We are otherwise delighted with the service. We know our local EJ staff very well, and can settle any problem or add funds to our cash account in minutes.

We do have Capital One credit cards, but not debit.

You can also set up a no-FTF debit card in Fidelity. Just did that to replace my CapOne that I will no longer use, also have the Schwab set=up.

I didn't want to switch, used the emailed map, worked fine in Mexico.

https://community.ricksteves.com/travel-forum/general-europe/capital-one-debit-card-9f9d9659-2a36-4b14-8a2c-7240334dd172

Find ATMs on this link, it works

https://cashlocator.discovernetwork.com/dn/cal/search#