There is a fee for using a credit card in Ireland. In the bills paid by cardholders for overseas card consumption, card payment fees are generally between 3% and 4%. International card organizations such as Visa or MasterCard charge international transaction fees to the card issuers, which is 1% to 1.5% of each transaction. Although it is charged to the bank, this fee is actually borne by the person who swipes the card. In addition, each bank charges a handling fee or exchange fee, which ranges from 1% to 2%.