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.
Table of contents
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%.
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.
Here’s an overview of the fees you’ll have to pay for cash abroad:
|No fee at Zirrat Bank|
LEK 600 at AlphaBank
|Free at Austrian Anadi Bank|
€4.95 at Erste Bank/Sparkasse
|Bosnia and Herzegovina||Free|
|Free at Zirrat Bank|
BAM 10 Splitska, Asa, Intesa Sanpaolo, UniCredit, BAM 11-13 Raiffeisen, BAM 15 Nova Banka
|No fee at DSK|
LEW 6 at the Unicredit Bulbank
|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 Republic||Free||No fees at the Raiffeisen Bank, Komerční banka (KB)|
|France||Free||No fee at BNP and Societé Génerale|
|No fee at Liberty Bank|
GEL 5 at TBC, GEL 3 at Bank of Georgia
|No fee at many big banks|
|Greece||EUR 2.5-3.0||Not much experience, please leave a comment|
|Hungary||Free||Only Euronet charges a high fee.|
|Poland||Free||No fee at Millenium Bank and Santander|
|No fee at Credit Agricole, Addiko|
|Spain||EUR 1.5-3.0||No fee at the Deutsche Bank, the Caixabank and CajaSur Bank, Caixa Bank, Cajero Automático Ibercaja|
|Turkey||Free||4-6% surcharge at Istanbul Airport|
No fee at the Ziraat Bank,Vakif Bank, PTT bank, Halk Bank
|Romania||Free||No fee at major banks, also at airports|
|Egypt||Free||At Banque Misr, Banque du Caire (BDC), QNB|
|BMCI (BNP group), Crédit agricole|
Albarid Bank (e. g. Fes central station)
|Free at the SBA Bank (at the airport leave the arrival hall, turn left, left).|
Fee at the ABSA Bank.
|Free at the CapitecBank|
|Canada||CAD 3||Free of charge at the Desjardins Bank, Blueshore Financial, Vancity|
|Mexico||MXN 34-140||In 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.|
|USA||USD 3-7||Free 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
|Aruba, Bonaire, Curaçao||USD 3-6|
|Beliz||Free||Free at Atlantik Bank|
|Free of charge at Esso gas stations|
|Free of charge at the Banco de Costa Rica|
|Free of charge at ATMs of the Banreservas, but limited to DOP 2,000 (~€35)|
|El Salvador||Free||Free at the Scotiabank|
|Free of charge at the Banco Occidente|
|Most ATMs (except at the airport) don’t charge fees|
|Free at BDF|
NIO 136 at Lafise, NIO 146 at Banpro and BAC
|You can withdraw US-Dollars for free at the Banco Popular PR e.g. close to the cruise ship terminal|
|Argentina||ARS 150-625||max. ARS 1,500-4,000 per withdrawal. Santander Bank up to ARS 6,000, HSBC up to ARS 8,000.|
|Bolivia||Free||Free of charge with a Visa, MasterCard usually with a fee, except for at the Banco Mercantil Santa Cruz|
|Free at Bradesco|
|Chile||CLP 4,000-7,000||Scotiabank is free of charge in some places, such as Punta Arenas, but already charges 5,500 CLP in Santiago de Chile.|
|Free at Davivienda und Colpatria (Scotiabank)|
15.000 COP at BBVA
Max. COP 900,000 per withdrawal
|Free at the Banco International, Banco del Austro|
USD 4.48 at Banco Pichincha, 4 USD at Produbanco
|Peru||Free||Free at the Banco de la Nacion (Multired ATMs), Caja Arequipa, Caja Cusco, BCP|
|Free at Banco Pichincha, Banco de la República Oriental del Uruguay (BROU)|
|Bank Hapoalim’s ATM in the arrival hall of Ben Gurion airport in Tel Aviv, charges no fees!|
|Free at Jordan Kuwait Bank|
|Free at Doha Bank, Barwa Bank, Commercial Bank, QIIB, QIB|
15 QAR at QNB, HSBC
|MB Bank (only in Phnom Penh) is free of charge. Withdrawal only possible in US-Dollars.|
Max. $500-1,000 per withdrawal
|India||Free||HDFC Bank, Indusch Bank, Canara Bank|
Max. ₹10,000 (~€115) permitted per withdrawal
|Indonesia||Free||At 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.
|Japan||JPY 108-216||JPY 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
|Malaysia||Free||At HSBC, CIMB Bank|
|Free of charge at HSBC.|
Max. PHP 10,000 per withdrawal, PHP 20,000 at BPI Bank
|HSBC and UOB are free. Citibank charges SGD 3|
|South Korea||KRW 3,500-5,700||Many ATMs don’t accept foreign credit cards|
|Sri Lanka||LKR 220-400|
|Thailand||THB 200-220||Max. THB 10,000-30,000 per withdrawal|
|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
|No fees at ANZ Bank and nab (National Australia Bank)|
|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).
|Free of charge at Kiwibank, Westpac Bank, BNZ Bank.|
Max. 300 NZD withdrawal.
|Free at ANZ Bank.|
All ATMs at the airport TOP 12.
|Vanuatu||VUV 500||Bred Bank has with 100,000 VUV the highest withdrawal limit.|
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.