ATM Operator Fees in 40 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

  • Iceland: 155-300 ISK at all ATMs
  • Great Britain: 2-3 GBP (no surcharge at many big banks)
  • Turkey: 4-6% surcharge at Istanbul Airport, otherwise mostly no surcharge.
    Careful: Dynamic currency exchange is very common in Turkey. If the ATM should ask you if you want to pay in your country’s currency, always decline. The surcharge is hidden in the exchange rate, which is mostly far over 2% worse than what your bank would usually charge you.
  • Spain: โ‚ฌ1,50-2,95 at Banco Popular, Banco Santander, Targo, Bankia (and maybe others).
    Hint: No surcharge at the Cajamar Bank (in Valencia, but โ‚ฌ1,85 in Lanzarote, according to comments), the Deutsche Bank (comment confirmed in Andalusia) and the Caixabank (comment confirmed in Tenerife).
  • Greece: HSBC free, โ‚ฌ2,50 at the Alpha Bank in Athens, (Not much experience, please leave a comment)

Africa

North America

  • USA
    Hint #1: According to comments, TD Bank (except in New York and Miami Beach), Citizen Bank, and Comerica Bank (at least in San Francisco) let you withdraw cash free of charge.
    If you can confirm this, we’d love to hear from you in the comments!
    Hint #2: In some supermarkets, there are ATMs that do charge a fee, but then give you a coupon for the same amount.
    Hint #3: According to comments, the Synovus Bank in Florida doesn’t charge any fees!
    • New York: $3-5
    • Philadelphia, Pennsylvania: $3-4
    • Washington, D.C.: $3-4
    • New Orleans, Louisiana: $3
    • Texas: $4-7
    • San Francisco, California: $3-5
    • Miami, Florida: $3-5
  • Canada: 3 CAD
    Hint: You can withdraw free of charge at the Desjardins Bank and at Blueshore Financial. According to comments, the CIBC-Bank and the Scotiabank currently charge 3 CAD. Others have said, that they don’t in Meaford, Ontario. If you’ve got some experiences to share, please leave a comment!
  • Mexico: 20-80 MXN in touristic areas.

Central America and the Caribbean

  • Jamaica: Free – 550 JMB
    Hint: According to a comment, most ATMs (except at the airport) don’t charge fees when withdrawing JMD.
  • Puerto Rico: $1,75-5
    Hint: According to a comment, you can withdraw US-Dollars for free at the Banco Popular PR, e.g. close to the cruise ship terminal.
  • Cuba: 3%
  • Guatemala: 30-45,36 GTQ
  • Dominican Republic: 150 Pesos
    Hint: According to a comment, free of charge at ATMs of the Banreservas, but limited to 2,000 pesos.
  • Cayman Islands: 2,50 CYM
    Hint: Free of charge at Esso gas stations!
  • Aruba, Bonaire, Curaรงao: 3-6 USD
  • Costa Rica: 1,500 CRC
  • Panama: 5,25 USD
  • Honduras: 114 HNL
    Hint: Apparently free of charge at the Banco Occidente
  • El Salvador: Free at the Scotiabank

South America

  • Argentina: 150-300 pesos (generally max. 1,500 – 4,000 pesos per withdrawal permitted)
  • Peru: 12-19 Soles
    Hint: For free at Los Andes, Banco de La Nacion, BBVA Internacional, BCP, Caja Arequipa, and Caja Cusco.
  • Brazil: 25 BRL
    Hint: Free at Bradesco
  • Chile: 4,000-6,500 CLP
    Hint: According to comments, the Scotiabank is still free of charge in some places, such as Punta Arenas, but already charges 5,500 CLP in Santiago de Chile. Feel free to leave a comment if you’ve had another experience!
  • Bolivia: Free of charge with a Visa credit card, MasterCard usually with a fee, except for at the Banco Mercantil Santa Cruz, according to a comment.
  • Ecuador: For free at the Banco Pichincha (partly), Banco International, Promerica and Banco del Austro.
  • Uruguay: 170 pesos
    Hint: According to a comment, the BROU (Banco de la Repรบblica Oriental del Uruguay) does not charge fees.
  • Colombia: 10,500-13,200 COP
    Hint: According to comments, the BBVA, Davivienda and Banco Pichincha let you withdraw for free. All banks that work with the ATM operator ATH, will charge 10,500 COP per withdrawal, Servibanca charges 12,600, and Banco de Bogota even 13,200 COP.

Middle East

  • Israel: 5-6 ILS
    Hint: According to a comment, Bank Hapoalim’s ATM in the arrival hall of Ben Gurion airport in Tel Aviv, charges no fees!
  • Jordan: 3-5 JOD

Asia

  • Philippines: 250 PHP (max. 10,000 PHP per withdrawal)
    • HSBC: free of charge
  • Thailand: 200-220 Baht (generally max. 10,000-30,000 Baht per withdrawal)
    • Bangkok: 200-220 Baht
    • Khao Lak: 200 Baht. (The only bank allowing 30,000 Baht per withdrawal is the Krungsri Bank, according to a comment)
  • Laos: 20,000-40,000 Kip
  • Vietnam: 22,000-55,000 VDN (Limit per withdrawal: 3,000,000 Dong)
    • Hint: You can withdraw free of charge at the Vietcombank (only Visa), HSBC (only Visa), Vietinbank (Visa & MasterCard), ACB Bank (Visa), Ocean Bank (unknown), TP Bank, Eximbank, Donga Bank
    • Agribank charges 22,000 VDN (which is a small amount) and is easy to find, unlike the other banks, even in the most remote regions, according to a comment.
  • Malaysia: free of charge at HSBC and CIMB Bank
  • Myanmar: 5,000 Kyat
  • Cambodia: 4-5 USD (max. $500-1000), withdrawal only possible in US-Dollars
    • Hint: MB Bank is apparently free of charge. They do, however, only have branches in Phnom Penh.
  • Nepal: 499 NPR (which in the end weren’t charged)
  • 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. 1,000,000 IDR (roughly โ‚ฌ62) permitted per withdrawal.
  • Singapore: HSBC and UOB for free, Citibank charges 3 SGD
  • Hong Kong: Free of charge
  • South Korea: 3,500-5,700 KRW. Many ATMs don’t accept foreign credit cards.
  • China: Free of charge
  • Japan: 108 JPY for withdrawals under 10,000 JPY, 216 JPY if withdrawing higher amounts.
    Hint: 7Eleven markets even have ATMs that accept Mastercard and even debit cards (Maestro).
  • Sri Lanka: 220-400 LKR
  • Taiwan: Free of charge
  • East Timor (Timor-Leste): Free – 3 US-Dollars

Oceania

  • Australia: 2-3 AUD
    Hint: The ANZ Bank and nab (National Australia Bank) charge no fees!
  • New Zealand: Free – $3
    • Free of charge: Kiwibank, Westpac Bank, BNZ Bank, but max 300 NZD withdrawal
    • $3: ANZ Bank, ASB Bank, up to 1,000 NZD
  • Fiji: 10-15 FJ$
    Hint: Apparently the ANZ Bank is free of charge. There’s an ANZ ATM at the airport in the domestic terminal (roughly 5 minutes away from the international terminal).
  • Tonga: ANZ Bank free of charge, BSP Bank 12 TOP (e.g. all ATMs at the airport)
  • Vanuatu: 500 VUV
    Bank of South Pacific (BSP): 490 VUV / Bred Bank: 500 VUV (highest withdrawal limit at 100,000 Vatu) / ANZ Bank: 800 VUV / National Bank Vanuatu – ATMs don’t accept foreign cards.
  • New Caledonia: Free of charge

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.

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Comments (2)

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

    Reply

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