ATM Operator Fees in 42 Countries Worldwide

atm withdrawal
Read this article in German on Travel-Dealz.de ๐Ÿ‡ฉ๐Ÿ‡ช

Thanks to the many credit cards that don’t charge withdrawal and foreign transaction fees, it is possible to withdraw cash at an ATM abroad completely free of charge with a credit card. It has become a trend, however, that the ATM operators in some countries charge an additional fee (as can be seen in the cover photo). This fee, that is not charged by your bank, usually costs around โ‚ฌ1 – โ‚ฌ5.

Over the last years, many Travel-Dealz readers have reported the fees that they’ve had to pay and gave hints as to where you can avoid these surcharges. Thanks to our readers, we now have information about 40 countries. Feel free to help and leave your own experiences as a comment.

Example USA: $3 – $7 fee

Especially in the USA, one always has to pay $3 – $7 at the ATMs in the big cities (roughly โ‚ฌ2.70 – โ‚ฌ6.40). If you’re withdrawing small amounts, this could represent a surcharge of more than 10%.

ATM USA
$7 fee at an ATM in Houston, Texas

One can survive without cash (especially in the USA), but you’ll definitively need cash to buy a Hot Dog on the streets, or to buy a 7-day subway pass in New York, for example.

Overview

Here’s an overview of the fees you’ll have to pay for cash abroad:

Europe

CountryChargeHint
Great BritainFree
GBP 2-3
No fee at many big banks
GreeceEUR 2.5-3.0Not much experience, please leave a comment
IcelandISK 155-300
SpainEUR 1.5-3.0No fee at the Cajamar Bank, Deutsche Bank, the Caixabank and CajaSur Bank
TurkeyFree4-6% surcharge at Istanbul Airport

Africa

CountryChargeHint
MoroccoMAD 22Albarid Bank (e. g. Fes central station)
South AfrikaZAR 50Free at the CapitecBank

North America

CountryChargeHint
CanadaCAD 3Free of charge at the Desjardins Bank, Blueshore Financial, Vancity
MexicoMXN 20-80Only at tourist areas
USAUSD 3-7Free of charge at the TD Bank (except in New York / Miami Beach), Citizen Bank, Comerica Bank, BB&T Bank, Synovus Bank (Florida).
In some supermarkets, there are ATMs that do charge a fee, but then give you a coupon for the same amount.

Central America and the Caribbean

CountryChargeHint
Aruba, Bonaire, CuraรงaoUSD 3-6
BelizFreeFree at Atlantik Bank
Cayman IslandsFree
CYM 2.50
Free of charge at Esso gas stations
Costa RicaCRC 1,500
Cuba3%
Dominican RepublicFree
DOP 150
Free of charge at ATMs of the Banreservas, but limited to DOPย 2,000 (~โ‚ฌ34)
El SalvadorFreeFree at the Scotiabank
GuatemalaGTQ 30-45
HondurasFree
HNL 114
Free of charge at the Banco Occidente
JamaicaFree
JMB 550
Most ATMs (except at the airport) don’t charge fees
NicaraguaFreeFree at Banpr
PanamaUSD 5.25
Puerto RicoFree
USD 1.75-5
You can withdraw US-Dollars for free at the Banco Popular PR e.g. close to the cruise ship terminal

South America

CountryChargeHint
ArgentinaARS 150-570max. ARS 1,500-4,000 per withdrawal
BoliviaFreeFree of charge with a Visa, MasterCard usually with a fee, except for at the Banco Mercantil Santa Cruz
BrazilFree
BRL 25
Free at Bradesco
ChileCLP 4,000-7,000Scotiabank is free of charge in some places, such as Punta Arenas, but already charges 5,500 CLP in Santiago de Chile.
ColombiaFree
COP 10,500-13,200
Free at Scotiabank
Max. COP 900,000 per withdrawal
EcuadorFreeFree at the Banco Pichincha, Banco International, Promerica, Banco del Austro
UruguayFree
UYU 170
Free at BBVA, Davivienda and Banco Pichincha

Middle East

CountryChargeHint
IsraelFree
ILS 5-6
Bank Hapoalim’s ATM in the arrival hall of Ben Gurion airport in Tel Aviv, charges no fees!
JordanFree
JOD 3-6.50
Free at Jordan Kuwait Bank
QatarFree
QAR 15
Free at Doha Bank, Barwa Bank, Commercial Bank, QIIB, QIB
15 QAR at QNB, HSBC

Asia

CountryChargeHint
CambodiaFree
USD 4-5
MB Bank (only in Phnom Penh) is free of charge. Withdrawal only possible in US-Dollars.
Max. $500-1,000 per withdrawal
ChinaFree
Hong KongFree
IndonesiaFreeAt CIMB Niaga, Mandiri, Bank Central Asia (BCA), Maybank
Bali: Free at Bank Negara Indonesia (BNI) and many other local banks. Mostly max. IDRย 1,000,000 (~โ‚ฌ64) permitted per withdrawal.
JapanJPY 108-216JPY 108 for withdrawals under JPY 10,000, JPY 216 if withdrawing higher amounts.
7Eleven markets even have ATMs that accept Mastercard and even debit cards e.g. Maestro
LaosLAK 20,000-40,000
MalaysiaFreeAt HSBC, CIMB Bank
MyanmarMMK 6,500
NepalNPR 499
PhilippinesKostenlos
PHP 250
Free of charge at HSBC.
Max. PHP 10,000 per withdrawal, PHP 20,000 at BPI Bank
SingaporeFree
SGD 3
HSBC and UOB are free. Citibank charges SGD 3
South KoreaKRW 3,500-5,700Many ATMs don’t accept foreign credit cards
Sri LankaLKR 220-400
TaiwanFree
ThailandTHB 200-220Max. THB 10,000-30,000 per withdrawal
VietnamFree
VDN 22,000-55,000
Free at Vietcombank (only Visa), HSBC (only Visa), Vietinbank, ACB Bank (only Visa), Ocean Bank, TP Bank, Eximbank, Donga Bank.
Max. VDN 3,000,000 per withdrawal

Oceania

CountryChargeHint
AustraliaFree
AUD 2-3
No fees at ANZ Bank and nab (National Australia Bank)
FijiFree
FJD 10-15
No fees at ANZ Bank.
There’s an ANZ ATM at the airport in the domestic terminal (roughly 5 minutes away from the international terminal).
New CaledoniaFree
New ZealandFree
NZD 3
Free of charge at Kiwibank, Westpac Bank, BNZ Bank.
Max. 300 NZD withdrawal.
TongaFree
TOP 12
Free at ANZ Bank.
All ATMs at the airport TOP 12.
VanuatuVUV 500Bred Bank has with 100,000 VUV the highest withdrawal limit.

Your experience?

Maybe you’ve also already been angry about a foreign transaction fee? Then let us know where, in the comments, and how high it was!

Careful: Never use the ATM’s exchange rate

Some ATMs offer to charge you in your own currency instead of the local currency. In 99% of the cases, they’ll give you a much worse exchange rate than your own bank. This also applies to hotels, supermarkets, etc.

Write a comment

Comments (3)

  1. Comment for Greece (Comment-Link above do not work :-(). All banks charge, except HSBC so far (June 2019)

    Reply

  2. As per ATM installation company in Alaska, the European continent charges you ATM money which is significantly higher when you compare to other nations. Asian countries are good in terms of making travel affordable by additional charges on ATM transaction.

    Reply

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