Cards are automatically set up to be used internationally and customers do not need to do anything, in particular, to activate them for international use. There is a 2% foreign transaction fee levied by Sable for all foreign transactions. Similarly, even for ATM withdrawals and international transactions, Sable charges a 2% foreign transaction fee, and the exchange rate is charged directly by Mastercard. Withdrawal fees charged by the ATM operator are separate and will be paid at the time of cash withdrawal.