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.
Overview
Here’s an overview of the fees you’ll have to pay for cash abroad:
Europe
| Country | Charge | Hint |
|---|---|---|
| Albania | LEK 600 | LEK 600 at Credins Bank |
| Austria | Free €1.95-4.95 | Free at Austrian Anadi Bank, BAWAG PSK, Sparda Bank, Oberbank €4.95 at Erste Bank, €4 Sparkasse, €4.95 Raiffeisenbank |
| Belgium | Free | No fee at Beobank, ING, KBC |
| Denmark | Free | No fee at Nordea |
| Bosnia and Herzegovina | Free BAM 10-15 | Free at MFBank BAM 10 Splitska, Asa, Intesa Sanpaolo, UniCredit, Zirrat Bank, Raiffeisen, BAM 12 Addiko, BAM 15 Nova Banka |
| Bulgaria | Free BGN 6 | No fee at DSK, CCB BGN 6 at the Unicredit Bulbank |
| Croatia | Free HRK 22-40 | No fees, but max. HRK 1,000 at the Hrvatska Postanska banka and Agram Banka, HPB, Euronet Worldwide with Raiffeisen-Logo HRK 22 at Raiffeisen, Zagrebska Banka, OTP banka |
| Czech Republic | Free CZK 169 | No fees at the Raiffeisen Bank, Komerční banka (KB) CZK 169 at Česká spořitelna |
| Estonia | Free | Free at SEB, Swedbank and Luminor |
| Finland | Free | No fee at Forex (up to €450 possible) Fees at Forex and Nosti |
| France | Free | No fee at BNP and Societé Génerale |
| Georgia | Free GEL 2-5 | No fee at Basisbank GEL 2 at KSB Bank Georgia, GEL 3 at Bank of Georgia, Liberty Bank |
| Great Britain | Free GBP 2-3 | 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. |
| Iceland | ISK 155-300 | |
| Latvia | Free | Usually free |
| Netherlands | Free | No fee at Geldmaat, ING, Rabobank, ABN AMRO |
| North Macedonia | Free | No fee at Komerzijala Banka, Halkbank, NBL Banka, Central Cooperative Bank (CCB) CCB also provides a free ATM at Skopje airport. You can find it nearby other ATMs on the far left (near the Café) |
| Poland | Free | No fee at Millenium Bank and Santander |
| Serbia | Free RSD 400 | No fee at Credit Agricole, Eurobank, OTP Banka RSD 400 at Addiko |
| Slovenia | Free | No fee at SBERBANK, Delavska Hranilnica, Intesa Sanpaolo Bank |
| Spain | Free EUR 1.5-3.0 | No fee at the CajaSur Bank, Cajero Automático Ibercaja, Telebanco, Unicaja, Kutxabank Fee at Deutsche Bank |
| Sweden | Free | No fee at the Bankomat-Group SEK 20 at Forex, SEK 50 at Nokas |
| Switzerland | Free | No fee at Zürcher Kantonalbank (ZKB) |
| Turkey | Free 6-7% | 6-7% surcharge at Istanbul Airport No fee at the Ziraat Bank, PTT bank, Halk Bank, Post 6% at AKBank, 6,99% at Vakif, 7% at Denizbank Tip: Exchanging Cash (Euro, USD) might be the better alternative |
| Romania | Free | No fee at major banks, also at airports |
Africa
| Country | Charge | Hint |
|---|---|---|
| Cape Verde | CVE 250 | max. CVE 20,000 per withdrawal |
| Egypt | Free | At Banque Misr, Banque du Caire (BDC), QNB |
| Ghana | GHS 10 | GHS 10 (~€1) at ADB Bank, others are usually more expensive |
| Kenya | Free | At Ecobank |
| Morocco | Free MAD 28-36 | Free at Al-Barid Bank (with Visa) MAD 28 at BMCI (BNP Group), MAD 36 at Crédit agricole, 4% at Bank of Africa |
| Mauritius | Free MUR 230 | Free at the SBA Bank (at the airport leave the arrival hall, turn left, left). Fee at the ABSA Bank. |
| Uganda | Free | Free at Orient Bank and Diamond Trust Bank |
| Senegal | Free unknown | Free at Banque de Dakar |
| South Afrika | Free ZAR 50 | Free at the CapitecBank |
| Seychelles | Free SCR 100 €7 | Free at Mauritius Commercial Bank (MCB) |
| Tanzania | Free unknown | Free at the KCB Bank at the port terminal in Stone Town, Zanzibar |
North America
| Country | Charge | Hint |
|---|---|---|
| Canada | CAD 3 | Free of charge at the Desjardins Bank, Blueshore Financial, Vancity, Scotiabank |
| Mexico | MXN 29-140 | 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. BanCoppel MXN 29. Attention: A reader reported more than 7% fee (for a €400 withdrawal) at a Santander Mexico ATM at the airport |
| USA | USD 3-7 | Free of charge at the Comerica Bank, Synovus Bank (Florida), WaWa gas stations, Truist Bank $1.19 at Actors Federal Credit Union (NYC), $3 at the Bank of America, $3.5 at the TD Bank. 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
| Country | Charge | Hint |
|---|---|---|
| Aruba, Bonaire, Curaçao | USD 3-6 | |
| Beliz | Free | Free at Atlantik Bank |
| Cayman Islands | Free CYM 2.50 | Free of charge at Esso gas stations |
| Costa Rica | Free CRC 1,500 | Free of charge at the Banco de Costa Rica |
| Cuba | 3% | |
| Dominican Republic | Free DOP 300 | Free at Scotiabank (10000-15000 DOP possible) DOP 300 at Banreservas limited to DOP 10,000 (~€159) |
| El Salvador | Free | Free at the Scotiabank, Banco Hipotecario |
| Guatemala | GTQ 31-45 | GTQ 45 at 5B (max. GTQ 2000), GTQ 31 at BI (max. GTQ 2000) |
| Honduras | Free HNL 114 | Free of charge at the Banco Atlántida |
| Jamaica | Free JMB 550 | Most ATMs (except at the airport) don’t charge fees |
| Nicaragua | Free NIO 136-146 | Free at BDF and Bancared ATMs NIO 136 at Lafise, NIO 146 at Banpro and BAC |
| Panama | USD 3-6.50 | USD 6.50 at the Airport, USD 3 at Scotia Bank Max. USD 250 |
| Puerto Rico | Free USD 1.75-5 | You can withdraw US-Dollars for free at the Banco Popular PR e.g. close to the cruise ship terminal |
| Saint Kitts & Nevis | Free XCD 8 | Free at Republic Bank XCD 8 at Bank of Nevis |
South America
| Country | Charge | Hint |
|---|---|---|
| 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 at Banco Mercantil Santa Cruz und Banco Bisa |
| Brazil | Free BRL 24-50 | 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. |
| Colombia | Free COP 15,000-25,000 | Free at Davivienda COP 15,000 at BBVA, COP 21,000 at Colpatria (Scotiabank), COP 25,000 at Davivienda Banco Caja Social with forced DCC Max. COP 300,000-900,000 per withdrawal |
| Ecuador | Free USD 4-4.48 | 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, Caja Piura (max. PEN 700 or USD 300) |
| Uruguay | Free UYU 170 | Free at Banco Pichincha, Banco de la República Oriental del Uruguay (BROU) |
Middle East
| Country | Charge | Hint |
|---|---|---|
| Bahrain | Free | Free at Habib Bank, NBB, Ahli United and BBK |
| Israel | Free ILS 5-7 | Bank Hapoalim’s ATM in the arrival hall of Ben Gurion airport in Tel Aviv, charges no fees! |
| Jordan | Free JOD 3-6.50 | Free at Jordan Kuwait Bank |
| Kuwait | Free | Free at Al Ahli Bank of Kuwait (minimum KWD 10) |
| Qatar | Free QAR 15 | Free at Doha Bank, Barwa Bank, Commercial Bank, QIIB, QIB 15 QAR at QNB, HSBC |
| United Arab Emirates | Free AED 25 | Free at ADIB, RAK Bank, HSBC and Citibank AED 25 at the Mashreq Bank in Dubai |
Asia
| Country | Charge | Hint |
|---|---|---|
| Armenia | Free | Free at Unibank Armenia |
| Azerbaijan | Free | Free at Expressbank and Premium Bank |
| Bangladesh | Free | Free at AB Bank |
| Cambodia | Free 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 |
| China | Free | |
| Hong Kong | Free | |
| India | Free | HDFC Bank, Indusch Bank, Canara Bank, State Bank of India Max. ₹10,000 (~€112) permitted per withdrawal |
| Indonesia | Free | 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 1,250,000 (~€72) to 2.5 Mio IDR permitted per withdrawal. |
| Japan | JPY 108-216 | International credit cards are accepted at common Convenience Store chains JP¥110 (~€1) for withdrawals under JPY 10,000, JPY 220 if withdrawing higher amounts. At 7-Eleven stores, there’s no fee for withdrawals using MasterCard (and even Maestro debit cards). In Conviniencestores, e.g. Ministop, there are often AEON Bank ATMs where you can withdraw for free. |
| Kazakhstan | Free | Free at the Halyk Bank |
| Kyrgyzstan | Free | Free at the KICB Bank (max KGS 8000), Dosredobank (max KGS 2000) |
| Laos | LAK 20,000-40,000 | |
| Malaysia | Free | At HSBC, CIMB Bank, Hong Leong Bank |
| Micronesia (FSM) | $ 4-5 | $4 at Bank of Guam, $5 at Bank of FSM. No known exceptions. |
| Myanmar | MMK 6,500 | |
| Nepal | NPR 499 | |
| Philippines | Free PHP 250 | Free of charge at HSBC. Max. PHP 10,000 per withdrawal, PHP 20,000 at BPI Bank |
| Singapore | Free SGD 3-8 | HSBC, Bank of China and UOB are free Citibank charges SGD 3, OCBC SGD 8 |
| South Korea | Free THB 3,500-5,700 | Free at Nonghyup (NH) Bank Many ATMs don’t accept foreign credit cards |
| Sri Lanka | Free LKR 1,000 | Free at Bank of Ceylon (BOC), Commercial Bank and People’s Bank |
| Taiwan | Free | Usually free, some banks (e.g. CTBC in 7-Eleven) will charge 100 NTD |
| Tajikistan | Free | Free at the JSC Eskhata Bank (only Visa cards accepted) |
| Thailand | THB 200-220 | Max. THB 10,000-30,000 per withdrawal |
| Uzbekistan | at least 1.5% | At least 1.5% fee with all ATMs, no known exceptions (Ipak yuli Bank does not show any fee, but debits including fee) |
| Vietnam | 3% VDN 22,000 | Free at VP Bank, EXIM & SCB 22,000 VDN at Agribank 3% at most banks Max. VDN 3000000 per transaction Most banks only accept Visa cards |
Oceania
| Country | Charge | Hint |
|---|---|---|
| Australia | Free AUD 2-3 | No fees at ANZ Bank and nab (National Australia Bank) |
| Fiji | Free 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 Caledonia | Free | |
| New Zealand | Free NZD 3 | Free of charge at Kiwibank, Westpac Bank, BNZ Bank. Max. 300 NZD withdrawal. |
| Tonga | Free TOP 12 | 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. |
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.
Comments (36)
Kenya: DTB (Diamond Trust Bank) no fees. Tested in Malindi, April 2024
Forgot to mention, tip 3: Decline any offer of “conversion” at the ATM; it’s a rip-off exchange rate.
In my travels in Italy I have only ever seen one or two bank chains that charge a fee at their ATMs. I just cancel and walk a few meters to a different bank, as most don’t charge any fee.
Two tips:
(1) To avoid getting larger bills (which Italian businesses seem to despise for some reason), withdraw your cash from one of these free bank ATMs in the amount of 80 euros; you’ll get all 20-euro notes, which are easier to spend. Then just withdraw more often, as needed.
(2) Don’t use commercial ATMs that are not actual bank ATMs; they will definitely charge a fee.
Kenya: Gulf African Bank no fees. Tested in Malindi, April 2024
Last september in Tunisia Al Baraka Bank was the only one not to take any fee at their ATMs (in several cities), all the others I’ve tried charged 10 or even 12 TND.
ATMs in Netherlands charge 4EUR fee for non-EU issued cards, proof – https://www.geldmaat.nl/information-english/our-cash-and-deposit-machines
May I know why my comment regarding ATM in Kenya is not published?
We were just a bit slow
Hahaha – no worries 😀
Thanks for adding Kenya to the list.
This list is really awesome and should be placed more prominently. I would also suggest to add the date of the submissions in brackets, since such things may change … so it’s useful to know when exactly it was experienced.
Thanks for the feedback. Not a bad idea. I’ll mention it in our next team meeting.
Kenya: Ecobank no charges with credit cards from Germany
I’m currently in Australia and I’ve tried ATMs at two different nab (National Australia Bank) branches – there is a $7.50 usage fee – not free as this article suggests. Same charge at Commonwealth Bank, and Westpac wanted to charge me $4. I have a UK debit from HSBC. I’m pleased to report that ANZ bank is still allowing free withdrawals.
Can anyone provide info for Eire/Ireland? Thanks
Vietnam – Saigon Commercial Bank (SCB) ATM does not charge any fee.
Malaysia 02/2024
Hassle free transaction at a Hong Leong Bank ATM – no fees or whatsoever, didn’t even beg for conversation.
Greets
Hi All!
Does someone has an information about the ATM fee for the UnionPay Cards in Slovenia?
Thank you!
In Tenerife – a Banca March ATM in Tenerife charged no fee to withdraw €100 on a UK debit card. Euronet ATMs charge €5.00 per transaction, Banco Sabadell charge is €1.80, and Caixa Bank wanted €7.00! I didn’t get to try the BBVA ATM because it is in a lobby and my UK card would not open the door.
Hong Kong: fee 50 HKD by Bank of China ATM
Deutsche Bank in Spain now(from September) charges commission.
sorry, didn’t realize that this is the English site xD
You can delete both comments to maintain the clarity of the helpful comments
ihr seid einfach nur großartig.
Danke für alles, was ihr macht. Wenn ihr mal Content in Form eines Reviews braucht, sagt gern Bescheid.
PERU: as of November 2023, it seems almost all ATMs charge fees up to 20-39 PEN (I tried the ATMs from Interbank, BBVA, Scotiabank in Lima downtown and at the airport – all of them charged fees). The only exception that I found is Caja Arequipa with no fees (verified twice in Cusco and in Lima).
CZECH REPUBLIC: while it is known that the Euronet ATMs often charge hefty fees, it was suggested that some other ATMs don’t charge fees. I tried one of them, Air Bank, which was supposed to have no fees but in reality it charged 125 CZK fees (as of December 2023). The tricky thing was that when you decline the (bad) currency conversion, it automatically dispensed the money and charged this 125 CZK fee without notifying or asking for permission to charge this fee! It seems some other banks also do this, so be very careful about withdrawing in Czech Republic – best thing is to not withdraw any money because 99.5% of the time you can pay with your credit card anyhow (even in places like a Christmas market).
Withdraw of 5000 THB in Thailand cost ATM 220THB South- Africa Account Statement Rand 2838.39
Exchange Rate on that day 1.91 THB – Rand Thus 5220/1.91 = R2732.98 – R2838.39 =R -105.41
Then later Service fee of this transaction from my RSA bank FNB R 80.00
All together 220 /1.91 = R 115.18+ R 105.41+R 80.00 = R 300.59 x 1.91 = 574.13 THB or Dollar Value $15.96 for $138.16 Cash on 27 Oct 23
Thanks for the detailed information, Hank!
Hi all,
thanks a lot for this articel! Has already helped me her ein Bosnia!
I can add that in Albania Credins Bank does not charge any fee and apparently Erste Bank does not charge a fee in Montenegro. Will be able to verify that soon 🙂
Regards,
Moritz
Thank you for your contribution, Moritz. I’ve added it to the list.
Currently live in Costa Rica, both BCR and BN (Banco Nacional) do NOT charge fees but their are exceptions. A friend has a Bank of America card and BCR charges him a fee.
India:
State bank, bank of india, bank of baroda, canara bank do not charge fees.
Many of the rest do charge 200rs per 10,000 withdrawal.
Hdfc sometimes charge, sometimes doesn’t (may depend on the atm or your card)
Thailand: All of the atms charge the fee.
However in some banks you can withdraw from the cachier without any fees
Portugal: no fees, but many atms are limited to 200€ or less and dispence only 10-20€ bills
Hallo, Ziraat Bank in Bosnien verlangt nun auch 10 BAM, wie alle anderen
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.
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
Thank you for sharing your astonishing work with us, HonzaD!
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.
Comment for Greece (Comment-Link above do not work :-(). All banks charge, except HSBC so far (June 2019)
Thank you!