ATM Operator Fees in 48 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 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 €2.70 – €6.40). If you’re withdrawing small amounts, this could represent a surcharge of more than 10%.

$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.


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


No fee at AlphaBank
Austria€1.95-4.95With a non-austrian card.
Bosnia and HerzegovinaFreeNoo fee at the Nova Banka
HRK 28-35
No fees at the Zagrebska Banka and Hrvatska Postanska banka
HRK 28 at the Erste Bank, HRK 35 at Auro Domus
FranceFreeNo fee at BNP and Societé Génerale
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
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 and Vakif Bank
RomaniaFreeNo fee at major banks, also at airports


EgyptFreeAt Banque Misr, Banque du Caire (BDC), QNB
MAD 22-35
BMCI (BNP group), Crédit agricole
Albarid Bank (e. g. Fes central station)
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

North America

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 TD Bank (except in New York / Miami Beach), Citizen Bank, Comerica Bank, BB&T Bank, Synovus Bank (Florida).
$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, 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
Dominican RepublicFree
DOP 150
Free of charge at ATMs of the Banreservas, but limited to DOP 2,000 (~€34)
El SalvadorFreeFree at the Scotiabank
GuatemalaGTQ 30-45
HNL 114
Free of charge at the Banco Occidente
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

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
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.
COP 10,500-13,200
Free at BBVA, Davivienda und Colpatria (Scotiabank)
Max. COP 900,000 per withdrawal
EcuadorFreeFree at the Banco Pichincha, Banco International, Promerica, Banco del Austro
PeruFreeFree at the Banco de la Nacion (Multired ATMs), Caja Arequipa, Caja Cusco, BCP
UYU 170
Free at Banco Pichincha, Banco de la República Oriental del Uruguay (BROU)

Middle East

ILS 5-7
Bank Hapoalim’s ATM in the arrival hall of Ben Gurion airport in Tel Aviv, charges no fees!
JOD 3-6.50
Free at Jordan Kuwait Bank
QAR 15
Free at Doha Bank, Barwa Bank, Commercial Bank, QIIB, QIB


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
Hong KongFree
IndiaFreeHDFC Bank, Indusch Bank, Canara Bank
Max. ₹10,000 (~€120) 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 (~€64) 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
PHP 250
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 KoreaKRW 3,500-5,700Many ATMs don’t accept foreign credit cards
Sri LankaLKR 220-400
ThailandTHB 200-220Max. THB 10,000-30,000 per withdrawal
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


AUD 2-3
No fees at ANZ Bank and nab (National Australia Bank)
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
Free of charge at Kiwibank, Westpac Bank, BNZ Bank.
Max. 300 NZD withdrawal.
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. 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.

  2. guest1234 says:

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

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