ATM Operator Fees in 50 Countries Worldwide

atm withdrawal

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 €1 – €5.

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 over 50 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 €2.70 – €6.40). 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
AlbaniaFree
LEK 600
No fee at Zirrat Bank
LEK 600 at AlphaBank
AustriaFree
€1.95-4.95
Free at Austrian Anadi Bank
€4.95 at Erste Bank/Sparkasse
Bosnia and HerzegovinaFree
BAM 10-15
Free at Zirrat Bank
BAM 10 Splitska, Asa, Intesa Sanpaolo, UniCredit, BAM 11-13 Raiffeisen, BAM 15 Nova Banka
BulgariaFree
LEW 6
No fee at DSK
LEW 6 at the Unicredit Bulbank
CroatiaFree
HRK 22-40
No fees, but max. HRK 1,000 at the Hrvatska Postanska banka and Agram Banka
HRK 36 at the Erste Bank, HRK 40 at Auro Domus, HRK 22 at Raiffeisen, Zagrebska Banka, OTP banka, HKR 37 at ATM MoneyGet
Czech RepublicFreeNo fees at the Raiffeisen Bank, Komerční banka (KB)
FranceFreeNo fee at BNP and Societé Génerale
GeorgiaFree
GEL 3-5
No fee at Liberty Bank
GEL 5 at TBC, GEL 3 at Bank of Georgia
Great BritainFree
GBP 2-3
No fee at many big banks
GreeceEUR 2.5-3.0Not much experience, please leave a comment
HungaryFreeOnly Euronet charges a high fee.
IcelandISK 155-300
PolandFreeNo fee at Millenium Bank and Santander
SerbiaFree
DIN 500
No fee at Credit Agricole, Addiko
SpainEUR 1.5-3.0No fee at the Deutsche Bank, the Caixabank and CajaSur Bank, Caixa Bank, Cajero Automático Ibercaja
TurkeyFree4-6% surcharge at Istanbul Airport
No fee at the Ziraat Bank,Vakif Bank, PTT bank, Halk Bank
RomaniaFreeNo fee at major banks, also at airports

Africa

CountryChargeHint
EgyptFreeAt Banque Misr, Banque du Caire (BDC), QNB
MoroccoFree
MAD 22-35
BMCI (BNP group), Crédit agricole
Albarid Bank (e. g. Fes central station)
MauritiusFree
MUR 230
Free at the SBA Bank (at the airport leave the arrival hall, turn left, left).
Fee at the ABSA Bank.
UgandaFreeOrient Bank
South AfrikaFree
ZAR 50
Free at the CapitecBank
SeychellesSCR 100
€7

North America

CountryChargeHint
CanadaCAD 3Free of charge at the Desjardins Bank, Blueshore Financial, Vancity
MexicoMXN 34-140In most cases, a maximum of MXN 9,999 per withdrawal is possible. At CIBanco, MXN 25,000 is possible with a fee of MXN 50.
USAUSD 3-7Free of charge at the Comerica Bank, Synovus Bank (Florida). Properly at TD Bank (except in New York / Miami Beach), Citizen Bank, BB&T Bank.
$3 at the Bank of America
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, CuraçaoUSD 3-6
BelizFreeFree at Atlantik Bank
Cayman IslandsFree
CYM 2.50
Free of charge at Esso gas stations
Costa RicaFree
CRC 1,500
Free of charge at the Banco de Costa Rica
Cuba3%
Dominican RepublicFree
DOP 150
Free of charge at ATMs of the Banreservas, but limited to DOP 2,000 (~€35)
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
NicaraguaFree
NIO 136-146
Free at BDF
NIO 136 at Lafise, NIO 146 at Banpro and BAC
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 150-625max. ARS 1,500-4,000 per withdrawal. Santander Bank up to ARS 6,000, HSBC up to ARS 8,000.
BoliviaFreeFree of charge with a Visa, MasterCard usually with a fee, except for at the Banco Mercantil Santa Cruz
BrazilFree
BRL 24-50
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 10,500-15,000
Free at Davivienda und Colpatria (Scotiabank)
15.000 COP at BBVA
Max. COP 900,000 per withdrawal
EcuadorFree
USD 4-4.48
Free at the Banco International, Banco del Austro
USD 4.48 at Banco Pichincha, 4 USD at Produbanco
PeruFreeFree at the Banco de la Nacion (Multired ATMs), Caja Arequipa, Caja Cusco, BCP
UruguayFree
UYU 170
Free at Banco Pichincha, Banco de la República Oriental del Uruguay (BROU)

Middle East

CountryChargeHint
IsraelFree
ILS 5-7
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
IndiaFreeHDFC Bank, Indusch Bank, Canara Bank
Max. ₹10,000 (~€115) permitted per withdrawal
IndonesiaFreeAt CIMB Niaga, Mandiri, Bank Central Asia (BCA), Maybank
Bali: Free at Bank Negara Indonesia (BNI) and many other local banks. Mostly max. IDR 1,000,000 (~€61) 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 (7)

  1. Mark says:

    Hallo, Ziraat Bank in Bosnien verlangt nun auch 10 BAM, wie alle anderen

  2. Sebastian says:

    First of all many thanks for this great and helpful overview.
    I am in Türkiye currently and Vakif Bank now also charges a (moderate) fee of 30 TL per cash withdrawal. Ziraat Bank is still free. I did not test PTT.

  3. HonzaD says:

    In Croatia (19.7.2022) :

    Zagrebacka 35 HRK, OTP 35 HRK, HPB not testing

    my overview table here https://docs.google.com/spreadsheets/d/1Gs1o2UdGWsyZNR28mwsTi-u9JUJlFhWJx-vQoWm7R84/edit#gid=0

    my gallery here https://photos.app.goo.gl/QH42X9EFapt46NcB8

  4. Erick Sermon says:

    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.

  5. guest1234 says:

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

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