ATM fees for foreign cards, by country

Withdrawing cash abroad can cost you twice: once from the local bank that owns the ATM, and again from your own bank. This page covers the first part. Of the 80 places we have checked, 17 have easy fee-free ATMs, 37 have at least one bank that does not charge, and in 26 you should expect a fee every time.

Three habits that save money anywhere

Decline the conversion. When the ATM offers to charge you in your home currency, say no and pay in the local currency. Cashlessy gives this advice in every country guide that covers ATMs.
Read the screen. In many of the countries below, the machine shows its fee before you confirm, so you can cancel and try another bank.
Check your own card. Even a free local ATM can be expensive if your bank adds a foreign withdrawal fee. That part depends on your bank, not the country.

Jump to: Fee-free ATMs are easy to find (17) · Some ATMs are fee-free (37) · Expect a fee at every ATM (26)

Fee-free ATMs are easy to find

Local banks do not charge foreign cards to withdraw, or fee-free machines are easy to find. Your own bank may still charge.

Belgium
Bank ATMs and the shared Bancontact (Batopin) cash points are reported not to charge foreign cards. Independent machines in tourist areas add a fee and push currency conversion.
Free or cheapest: Bancontact / Batopin cash points (reported free); KBC, ING and Beobank (reported free).
Avoid: Euronet; Travelex.
Euro (EUR) · Checked October 2026
Estonia
The main bank ATMs (Swedbank, SEB, Luminor, LHV, Citadele) are reported to charge foreign cards no fee. Your own bank may still charge. Independent machines in tourist areas can add a fee, shown on screen before you confirm.
Free or cheapest: Swedbank (reported free); SEB (reported free); Luminor (reported free).
Euro (EUR) · Checked October 2026
France
French bank ATMs (BNP Paribas, La Banque Postale, Société Générale, LCL, Crédit Mutuel) do not add a fee of their own for foreign cards; only your own bank's fee applies. Euronet and other private machines charge about 3-6 euros and push the poor-rate offer to charge you in your home currency. Bank machines usually pay out 300-500 euros per withdrawal.
Free or cheapest: BNP Paribas (no fee; Global ATM Alliance member); La Banque Postale ATMs at post offices (no fee); Société Générale and LCL (no fee).
Avoid: Euronet, Travelex and Cashzone machines in airports and tourist streets.
Euro (EUR) · Checked October 2026
Hong Kong
Most bank ATMs are reported to charge foreign cards nothing, though one guide reports HK$15-30 at some machines. Most allow HK$6,000-10,000 per withdrawal, and limits range from HK$2,500 to HK$20,000.
Free or cheapest: HSBC (reported free); Hang Seng Bank (reported free).
Hong Kong dollar (HKD) · Checked October 2026
Ireland
Most Irish bank ATMs are reported not to charge foreign cards. Standalone Euronet machines in Dublin tourist spots charge about €2-5 and push currency conversion.
Free or cheapest: AIB (reported free); Bank of Ireland (reported free).
Avoid: Euronet.
Euro (EUR) · Checked October 2026
Kazakhstan
Most bank ATMs are reported to charge foreign cards no fee. Limits are usually about KZT 100,000-120,000 per withdrawal. A few banks charge KZT 400-700.
Free or cheapest: Kaspi Bank (free, about KZT 100,000-120,000 per withdrawal); Halyk Bank (free, about KZT 100,000); Bereke Bank and Nurbank (free, KZT 100,000).
Avoid: ForteBank (reported KZT 400-700, sometimes rejects foreign cards).
Kazakhstani tenge (KZT) · Checked October 2026
Latvia
Bank ATMs in Latvia (SEB, Swedbank, Citadele, Luminor) are reported to charge foreign cards no fee. Your own bank may still charge.
Free or cheapest: SEB (reported free); Swedbank (reported free); Citadele (reported free).
Euro (EUR) · Checked October 2026
Lithuania
Most bank ATMs (Swedbank, SEB, Luminor, Citadele, Šiaulių bankas) are reported to charge foreign cards no fee; one bank reportedly charges some foreign cards 2 euro. Your own bank may still charge.
Free or cheapest: Swedbank (reported free); SEB (reported free); Luminor (reported free).
Euro (EUR) · Checked October 2026
Macao
Most bank ATMs are reported to charge foreign cards nothing; independent machines can charge MOP 15-30. Most allow MOP 5,000 per withdrawal (range MOP 3,500-10,000), and some also give out Hong Kong dollars.
Free or cheapest: Bank of China (reported free); ICBC (reported free).
Avoid: Independent non-bank ATMs (reported MOP 15-30).
Macanese pataca (MOP) · Checked October 2026
Malaysia
Major bank ATMs (Maybank, CIMB, Public Bank, Hong Leong Bank, RHB) are reported not to charge foreign cards. Limits are roughly RM1,000-3,000 per withdrawal.
Free or cheapest: CIMB (reported free); Maybank (reported free); Hong Leong Bank (reported free).
Malaysian ringgit (MYR) · Checked October 2026
New Zealand
Most big-bank ATMs do not charge foreign cards. ANZ charges NZD 3, and some other operators charge up to about NZD 7.
Free or cheapest: Westpac (reported free); BNZ (reported free); ASB (reported free).
Avoid: ANZ (NZD 3); Kiwibank (reported to have started charging foreign cards in 2026).
New Zealand dollar (NZD) · Checked October 2026
Portugal
Bank ATMs on the Multibanco (MB) network are reported to add no operator fee for foreign cards. Euronet machines charge about €2-5 per withdrawal plus a poor conversion rate. Most machines allow €200 per withdrawal and €400 a day.
Free or cheapest: Bank ATMs with the Multibanco (MB) logo, such as Caixa Geral de Depósitos, Millennium BCP, Santander and Novo Banco (reported free).
Avoid: Euronet; Airport ATMs outside the Multibanco network.
Euro (EUR) · Checked October 2026
Romania
Most bank ATMs are reported to charge foreign cards no fee, including at the airport, though one traveller reported a 3 pound fee at a Raiffeisen ATM there. Your own bank may still charge. Romanian law caps cash withdrawals at about 10,000 lei a day, and single withdrawals are usually limited to much less.
Free or cheapest: BCR (reported free); BRD (reported free); Banca Transilvania (reported free).
Romanian leu (RON) · Checked October 2026
Saudi Arabia
Most bank ATMs add no fee for foreign cards. One withdrawal can be up to SAR 5,000.
Free or cheapest: Al Rajhi Bank (reported free; the biggest ATM network); Riyad Bank (reported free).
Saudi riyal (SAR) · Checked October 2026
Sweden
Bankomat, the shared ATM network of Sweden's big banks with machines in almost 600 locations, charges no fee to any cardholder, so only your own bank's fees apply. Independent machines such as Forex and Nokas are reported to charge foreign cards SEK 20-50.
Free or cheapest: Bankomat (free, per Bankomat).
Avoid: Forex and Nokas ATMs (reported SEK 20-50).
Swedish krona (SEK) · Checked October 2026
Switzerland
Bank ATMs (Bancomat) are reported not to charge foreign cards. Private machines such as Euronet in tourist spots add a fee and offer a poor exchange rate. Limits are often around 1,000 francs per withdrawal.
Free or cheapest: UBS, PostFinance, Raiffeisen, Migros Bank and cantonal banks such as ZKB (reported free).
Avoid: Euronet and other private ATMs.
Swiss franc (CHF) · Checked October 2026
United Kingdom
Bank and building society ATMs charge foreign cards nothing, and most UK machines are free to use. Pay-to-use machines in convenience stores, petrol stations and tourist spots charge about £2-4 and show the fee on screen.
Free or cheapest: Barclays, HSBC, Lloyds, NatWest, Halifax and Post Office ATMs (reported free); Any machine marked "free cash withdrawals" (LINK cash locator).
Avoid: Pay-to-use machines in convenience stores, petrol stations and at airports.
Pound sterling (GBP) · Checked October 2026

Some ATMs are fee-free

Most ATMs add a fee for foreign cards, but at least one named bank does not. Worth seeking out for bigger withdrawals.

Austria
Most Austrian bank ATMs charge foreign cards about €2-6 per withdrawal, and the fee is shown on screen before you confirm. Reported fees include about €3.90 at Sparkasse and €4-6 at Raiffeisen. Most machines allow about €400 per withdrawal.
Free or cheapest: Oberbank (reported free for foreign cards).
Euro (EUR) · Checked October 2026
Bolivia
Many bank ATMs do not charge foreign cards; others charge about 20-75 bolivianos. Most cap foreign cards at about 2,000 bolivianos (sometimes up to 3,500) a time, and machines outside the big cities often run out of cash.
Free or cheapest: Banco BISA (reported free); Other bank ATMs in La Paz and Santa Cruz: many reported free, check the screen before you confirm.
Bolivian boliviano (BOB) · Checked October 2026
Brazil
Bank ATMs that accept foreign cards are reported to charge about BRL 12-20 per withdrawal, and the Banco24Horas network up to about BRL 24. Limits are about BRL 2,000-2,500 per withdrawal.
Free or cheapest: Bradesco (reported free, or among the cheapest); Itau (reported lower fees).
Avoid: Banco24Horas and Santander (reported higher fees for foreign cards).
Brazilian real (BRL) · Checked October 2026
Bulgaria
Reports differ by bank. Several big banks, including CCB, are reported to charge foreign cards nothing; older reports had DSK Bank and UniCredit Bulbank charging the equivalent of about 1.50 to 3 euro. Most machines allow 200 to 400 euro per withdrawal.
Free or cheapest: CCB (Central Cooperative Bank, reported free).
Euro (EUR) · Checked October 2026
Canada
Most ATMs charge a foreign card a fee, reported at about CAD 3 a withdrawal. Independent machines in shops, bars and petrol stations usually charge more than bank ATMs.
Free or cheapest: Scotiabank and Vancity (reported as the best options for foreign cards; Scotiabank is free for Global ATM Alliance cards such as Bank of America and Barclays); Other big-bank ATMs (RBC, TD, CIBC, BMO): about CAD 3 reported.
Avoid: Independent ATMs in shops, bars and petrol stations.
Canadian dollar (CAD) · Checked October 2026
Costa Rica
Most private-bank and store ATMs charge foreign cards about $3-8 (CRC 1,500-4,000) per withdrawal.
Free or cheapest: Banco Nacional (reported free); Banco de Costa Rica (BCR, reported free); Banco Popular (about $4).
Avoid: BAC Credomatic (about $5-8); ATMs in convenience stores.
Costa Rican colon (CRC) · Checked October 2026
Croatia
Most bank ATMs, including Raiffeisen, PBZ, Erste and Addiko, charge foreign cards.
Free or cheapest: Kent Bank (reported free).
Euro (EUR) · Checked September 2026
Czechia
In an April 2026 test, most operators charged foreign cards CZK 98-195 per withdrawal when conversion was declined. Komerční banka and Fio banka charged nothing.
Free or cheapest: Komerční banka (free in 2026 test); Fio banka (free in 2026 test); Raiffeisenbank (CZK 100).
Avoid: Euronet (CZK 125 even if you decline conversion, about 15% conversion markup); ATM Point (CZK 115 plus 19% conversion markup).
Czech koruna (CZK) · Checked October 2026
Denmark
Many Danish bank ATMs charge foreign cards around DKK 25-60 per withdrawal; a few are reported free. Euronet machines in tourist areas add a fee and push currency conversion.
Free or cheapest: Nordea (reported free).
Avoid: Euronet (around Nyhavn, Strøget, Tivoli and the airport).
Danish krone (DKK) · Checked October 2026
Egypt
Most big bank ATMs are reported to charge foreign cards nothing, though some guides quote 15-30 pounds. Hotel and independent ATMs can charge up to 200 pounds. Limits are usually 2,000-8,000 pounds per withdrawal, sometimes up to 10,000 at CIB.
Free or cheapest: CIB and Banque Misr (reported free, higher limits at CIB); National Bank of Egypt, QNB and HSBC (reported free).
Avoid: Hotel and independent ATMs.
Egyptian pound (EGP) · Checked October 2026
Finland
Both main networks charge foreign cards: Otto, used by almost every Finnish bank, since June 2023, and Nosto too. The fee is shown on screen before you accept. FOREX ATMs, including at Helsinki Airport and Helsinki Central Station, charge nothing.
Free or cheapest: FOREX (free, per FOREX at Helsinki Airport).
Euro (EUR) · Checked October 2026
Greece
A law in force since 11 August 2025 bans withdrawal fees at Greek bank ATMs for Greek banks' customers and caps non-bank operators at 1.50 euros. It is not clear that it covers foreign cards, but travellers since then report no fee at the big four banks' ATMs, while some guides still quote 2-3.75 euros. Check the screen before you confirm.
Free or cheapest: National Bank of Greece, Alpha Bank, Eurobank and Piraeus Bank ATMs (reported free for foreign cards since August 2025).
Avoid: Euronet and other standalone machines (they push the poor-rate offer to charge you in your home currency).
Euro (EUR) · Checked October 2026
Hungary
Some Hungarian bank ATMs are reported free for foreign cards, others charge around HUF 1,200. Euronet charges a flat fee if you decline its conversion and a poor rate if you accept it.
Free or cheapest: Raiffeisen Bank (reported free); UniCredit (reported free).
Avoid: Euronet (about HUF 900-1,200 plus pushy currency conversion).
Hungarian forint (HUF) · Checked October 2026
India
Some banks charge foreign cards about ₹150-300 per withdrawal, while several state banks are reported to charge nothing. Most ATMs allow ₹10,000 per withdrawal on a foreign card (some up to ₹20,000).
Free or cheapest: State Bank of India (reported free, ₹10,000 per withdrawal); Canara Bank (reported free).
Avoid: Standalone ATM kiosks not run by a bank (extra fee shown on screen).
Indian rupee (INR) · Checked October 2026
Indonesia
Several big banks are reported not to charge foreign cards, while Mandiri charges Rp50,000 per withdrawal. Limits are Rp1.25-3 million per withdrawal depending on the machine.
Free or cheapest: BCA (reported free); BNI (reported free).
Avoid: Mandiri (Rp50,000 per withdrawal on foreign Visa and Mastercard, rising to Rp100,000).
Indonesian rupiah (IDR) · Checked October 2026
Israel
Reports vary. Many 2024-2026 traveller reports say Discount, Leumi, Hapoalim and Yahav machines add no fee, while others report about ILS 5-7. Any fee is shown on screen before you confirm. Limits are about ILS 2,500-6,000 per withdrawal.
Free or cheapest: Israel Discount Bank (reported free); Bank Leumi (reported free); Bank Hapoalim (mostly reported free, including the machine in the Ben Gurion airport arrivals hall).
Avoid: Standalone non-bank ATMs and exchange-counter machines.
Israeli new shekel (ILS) · Checked October 2026
Italy
Many Italian bank ATMs charge foreign cards nothing, but some add 1.75-3 euros (often Intesa Sanpaolo, sometimes UniCredit), shown on screen before you confirm. Euronet and other private machines charge about 2-5 euros plus a poor exchange rate.
Free or cheapest: Postamat ATMs at post offices (Poste Italiane): no operator fee, up to about 600 euros; BNL: no operator fee (Global ATM Alliance member).
Avoid: Euronet and Cardpoint machines, especially near big sights.
Euro (EUR) · Checked October 2026
Jamaica
Reports differ: several guides say most bank ATMs do not charge foreign cards, others report J$500-1,000 (about US$3-6) per withdrawal. Any fee shows on screen before you confirm. Withdrawals of J$30,000-50,000 a time are typical.
Free or cheapest: Bank ATMs inside NCB, Scotiabank, JN or Sagicor branches (often reported free); Scotiabank (free for Bank of America and other Global ATM Alliance cards).
Avoid: Airport ATMs (a fee of about J$550 reported); Standalone machines in shops and isolated spots.
Jamaican dollar (JMD) · Checked October 2026
Jordan
Expect a flat fee of about JOD 3-7 per withdrawal at most bank ATMs; 2024-2025 traveller reports say JOD 5 at nearly every machine, including Arab Bank, Bank of Jordan and Cairo Amman Bank. Withdrawals are capped at JOD 250.
Free or cheapest: Jordan Kuwait Bank (reported free for some foreign cards; check the screen); Blom Bank (reported JOD 4).
Avoid: The airport ATM before the visa counter (reported up to JOD 7).
Jordanian dinar (JOD) · Checked October 2026
Kenya
Several banks are reported not to charge foreign cards. Others charge about KES 200-550 or $4 per withdrawal (Equity about KES 230, Stanbic about 413, Standard Chartered about 480). Most machines give up to KES 40,000 per withdrawal.
Free or cheapest: Co-operative Bank (reported free, 200+ ATMs); I&M Bank (reported free).
Avoid: KCB (about $4 per withdrawal); Absa (about $4.30 per withdrawal).
Kenyan shilling (KES) · Checked October 2026
Montenegro
Most bank ATMs, including Erste, NLB and CKB, charge foreign cards about €5 (€4.99 to €7) a withdrawal. Standalone Euronet machines add fees and push currency conversion.
Free or cheapest: Ziraat Bank (reported free); Universal Capital Bank (reported free).
Avoid: Euronet (fees plus pushy currency conversion).
Euro (EUR) · Checked October 2026
Norway
Some Norwegian bank ATMs are reported free for foreign cards, others charge NOK 10-60. Euronet machines at Oslo S, the airport and tourist streets add a fee and push currency conversion.
Free or cheapest: DNB (reported free); SpareBank 1 banks (reported free).
Avoid: Euronet.
Norwegian krone (NOK) · Checked October 2026
Peru
Most bank ATMs charge foreign cards about 18-38 soles per withdrawal, with limits of about 400-700 soles. Banco de la Nacion is the main exception.
Free or cheapest: Banco de la Nacion (MultiRed ATMs): reported free for foreign cards in 2025-2026, about 400 soles per withdrawal; Caja Cusco and Caja Arequipa (reported free or low fee, in the south).
Avoid: Standalone GlobalNet ATMs and airport machines (reported 19-36 soles); BCP when it charges (reports range from free to 36 soles; check the screen).
Peruvian sol (PEN) · Checked October 2026
Philippines
Most bank ATMs, including BDO, charge foreign cards about 250 pesos per withdrawal (banks do not publish this). Most pay out 10,000-20,000 pesos per withdrawal.
Free or cheapest: HSBC (reported free, up to 40,000 pesos; few ATMs, mainly in Manila and Cebu).
Philippine peso (PHP) · Checked October 2026
Poland
Several big Polish banks are reported free for many foreign cards; others charge about PLN 16-25. Standalone Euronet and Planet Cash machines in tourist areas charge more and push currency conversion.
Free or cheapest: Santander Bank Polska (reported free); Bank Millennium (reported free); Bank Pekao (reported free).
Avoid: Euronet; Planet Cash.
Polish zloty (PLN) · Checked October 2026
Qatar
Reports vary. Commercial Bank (CBQ) and QIB are reported free by two separate sources. QNB and Doha Bank have both free and fee reports (QNB up to QAR 15). HSBC is reported to charge QAR 15. Limits are reported at QAR 2,000-3,000 per withdrawal.
Free or cheapest: Commercial Bank (CBQ) (reported free); Qatar Islamic Bank (QIB) (reported free).
Avoid: HSBC (reported QAR 15); Independent hotel ATMs.
Qatari riyal (QAR) · Checked October 2026
Serbia
Most bank ATMs charge foreign cards around RSD 400-600 a withdrawal (RSD 500 is the most common). Standalone Euronet machines in the Belgrade tourist core add a fee and push currency conversion.
Free or cheapest: Halkbank (reported free).
Avoid: Euronet (operator fee plus pushy currency conversion).
Serbian dinar (RSD) · Checked October 2026
Singapore
Reports conflict on which banks charge foreign cards. UOB and Maybank are reported free by several guides; readers report fees of about S$3-8 at some other banks, such as Citibank and OCBC. Any fee shows on screen before you confirm.
Free or cheapest: UOB (reported free); Maybank (reported free).
Singapore dollar (SGD) · Checked October 2026
Slovakia
Fees vary by bank. Some bank ATMs are reported free for foreign cards, while others, such as VÚB and Slovenská sporiteľňa, are reported to charge about 2.50 to 2.90 euro. Euronet machines charge up to 5 euro.
Free or cheapest: Tatra banka (reported free); Prima banka (reported free).
Avoid: Euronet (up to 5 euro per withdrawal, reported).
Euro (EUR) · Checked October 2026
Slovenia
Some bank ATMs are reported free for foreign cards; others charge about 2.50 to 6.50 euro per withdrawal. NLB, Gorenjska, OTP Banka and Sparkasse are among those reported to charge. The fee is shown on screen before you confirm.
Free or cheapest: UniCredit (reported free); Intesa Sanpaolo (reported free).
Avoid: Euronet (high fees and conversion markups, reported).
Euro (EUR) · Checked October 2026
Spain
The big banks charge foreign cards about 2-7 euros per withdrawal (CaixaBank, BBVA, Santander), Sabadell about 1.80. Euronet and other private machines charge up to 7 euros or more. A few savings banks in the Euro 6000 network are reported free, though a Spanish fee comparison lists Unicaja at 2.90 euros, so check the screen. Travellers report limits of 500-1,000 euros per withdrawal.
Free or cheapest: Unicaja (reported free in 2025 by several travellers; strong in Andalusia and Castile); Abanca (reported free in 2025; strong in Galicia).
Avoid: Euronet, Cashzone and other private ATMs in tourist areas.
Euro (EUR) · Checked October 2026
Sri Lanka
Bank of Ceylon and People's Bank are reported to charge nothing. Other banks charge foreign cards about LKR 200-1,000 per withdrawal (Nations Trust about 200, Commercial Bank about 300). Most machines give LKR 40,000-100,000 per withdrawal.
Free or cheapest: Bank of Ceylon (reported free); People's Bank (reported free).
Sri Lankan rupee (LKR) · Checked October 2026
Taiwan
Fees depend on the bank. Several guides report no fee at bank-branch ATMs such as Cathay United, while convenience-store ATMs and some banks charge foreign cards about NT$100-150. Most allow NT$20,000-30,000 per withdrawal.
Free or cheapest: Cathay United Bank (reported free); Taiwan Cooperative Bank (reported free).
Avoid: CTBC ATMs, common in 7-Eleven (reported NT$100-150).
New Taiwan dollar (TWD) · Checked October 2026
Tanzania
DTB and KCB are reported not to charge foreign cards. Most other banks charge about TZS 9,000-15,000 per withdrawal. Limits are usually TZS 200,000-400,000 per withdrawal, up to about 600,000 at some banks.
Free or cheapest: DTB (Diamond Trust Bank, reported free, up to TZS 400,000); KCB (reported free); CRDB (reported TZS 9,000-12,000, up to TZS 400,000, widespread and reliable with foreign cards).
Avoid: Standalone ATMs at petrol stations and mini markets.
Tanzanian shilling (TZS) · Checked October 2026
Turkey
Most Turkish banks charge foreign cards a flat fee (reported 30-100 lira or more) or a percentage, and fees change often. Ziraat, once free, now charges. Limits are reported at about 4,000-10,000 lira per withdrawal.
Free or cheapest: Halkbank (reported free); ING (reported free); PTT, the post office bank (reported free).
Avoid: Euronet and other standalone ATMs at airports and tourist spots; Garanti BBVA, Yapı Kredi and Akbank (reported among the highest fees).
Turkish lira (TRY) · Checked October 2026
United Arab Emirates
Several big banks charge foreign cards nothing. Others charge about AED 20-25 per withdrawal, including Mashreq and ADCB (reported).
Free or cheapest: HSBC (reported free by several sources); Emirates NBD (reported free); ADIB (Abu Dhabi Islamic Bank, reported free).
Avoid: Mashreq (about AED 20-25, reported); ADCB and Dubai Islamic Bank (about AED 20, reported).
UAE dirham (AED) · Checked October 2026
Vietnam
Most banks charge foreign cards about 22,000-66,000 dong per withdrawal, with limits of 2-5 million dong. TPBank, long known as free, is reported to charge about 3.3% since 2025. The screen shows the fee before you confirm.
Free or cheapest: VPBank (reported free, up to 10 million dong per withdrawal); Vietcombank (reported about 50,000 dong, the most widespread).
Avoid: TPBank (reported about 3.3% of the amount).
Vietnamese dong (VND) · Checked October 2026

Expect a fee at every ATM

Every machine adds its own fee, or the free options are too rare to rely on. Take out more each time so the fee is spread over more cash.

Algeria
Only some bank ATMs take Visa or Mastercard. Reported fees range from none to about 300-500 dinars, with limits of about 20,000-80,000 dinars per withdrawal. The bigger cost is the official exchange rate, which gives you roughly half what street changers pay for euros.
Cheapest: Societe Generale and BDL (Banque de Developpement Local): reported most reliable for foreign cards, BDL reported free in 2025; BNP Paribas and BNA (also reported to accept foreign cards).
Avoid: BEA and CPA (reported 300-500 dinars per withdrawal); Airport and hotel ATMs, which often reject foreign cards.
Algerian dinar (DZD) · Checked October 2026
Argentina
Every ATM charges foreign cards a fixed fee, reported at about 14,000-16,000 pesos in 2026, with limits around 100,000 pesos per withdrawal (some machines much less). That is roughly 15% of the cash you take out.
Cheapest: None cheap: pay by card, and bring US dollars to change at an exchange house for the cash you need; Western Union (send money to yourself and collect pesos), reported close to the card rate.
Avoid: Repeated small ATM withdrawals; Paying by card in US dollars or your home currency instead of pesos.
Argentine peso (ARS) · Checked October 2026
Australia
Most bank ATMs charge foreign cards a flat fee, reported at about AUD 2-7.50 per withdrawal. The fee shows on screen before you confirm.
Cheapest: Westpac (reported free only for Global ATM Alliance cards, such as Bank of America, Barclays, BNP Paribas, Deutsche Bank and Scotiabank); Any big-bank ATM inside a branch, taking out more each time so the flat fee is spread over more cash.
Australian dollar (AUD) · Checked October 2026
Cambodia
There are no free ATMs: every bank charges foreign cards, most often about $5 per withdrawal, usually paid out in US dollars. Most cap withdrawals at $500. BRED Bank allows up to $2,000, but its fee is reported anywhere from $4 to $10.
Cheapest: PPCBank (reported $5, up to $1,000 per withdrawal); Vattanac, ACLEDA and Canadia (reported $4-5, up to $500).
Avoid: ABA Bank (reported $4-10 or more, varies by card).
Cambodian riel (KHR) and US dollar · Checked October 2026
Chile
Every bank ATM charges foreign cards a flat fee, reported at 5,000-9,200 pesos in 2025-2026. Most allow 200,000 pesos per withdrawal; some BancoEstado machines allow 400,000. The Santander ATMs at Santiago airport charge about 8,000 pesos.
Cheapest: BancoEstado (reported 5,500 pesos, some machines allow 400,000 pesos per withdrawal); Smaller banks such as Banco Internacional, BICE, Itau, Security and Consorcio (reported about 5,000 pesos, 200,000 limit); Scotiabank: reported free for Global ATM Alliance cards (for example Deutsche Bank); about 7,000-8,000 pesos for other cards.
Avoid: Banco de Chile (reported 8,000-9,200 pesos); Santander (reported 8,500 pesos).
Chilean peso (CLP) · Checked October 2026
China
Chinese bank ATMs are reported to charge foreign cards about ¥20-30 per withdrawal. Bank of China allows ¥3,000 per withdrawal on a foreign card; other banks allow up to about ¥5,000.
Cheapest: Bank of China (reported ¥20-30, takes Visa, Mastercard, JCB, Amex and UnionPay, ¥3,000 per withdrawal); ICBC and China Construction Bank (reported ¥20-30, good airport coverage).
Chinese yuan (CNY) · Checked October 2026
Colombia
Most bank ATMs charge foreign cards COP 12,000-30,000 per withdrawal.
Cheapest: Banco Caja Social (reported about COP 18,000, up to COP 1,500,000); Servibanca (reported COP 22,500-28,500, up to COP 2,000,000).
Avoid: Bancolombia (about COP 27,000, max COP 800,000).
Colombian peso (COP) · Checked September 2026
Cuba
No ATM accepts foreign Visa or Mastercard cards since June 2026. Only UnionPay and Mir cards may still work, and ATMs often run out of cash.
Cheapest: None reliable: bring all the cash you need in euros or US dollars.
Cuban peso (CUP) · Checked October 2026
Dominican Republic
Bank ATMs charge foreign cards about RD$300 (about US$5) per withdrawal. Banco Popular and BHD allow about RD$10,000 a time; Banreservas only about RD$2,000. Resort and casino machines charge more.
Cheapest: Scotiabank (reported RD$150-300, up to about RD$20,000 a time; free for Bank of America cards through the Global ATM Alliance); Banco Popular or BHD (about RD$300, up to about RD$10,000).
Avoid: Banreservas (about RD$300 for only RD$2,000); Standalone ATMs in resort lobbies, casinos and plazas.
Dominican peso (DOP) · Checked October 2026
Ecuador
Bank ATMs charge foreign cards a flat fee per withdrawal, reported at anywhere from $1.50 to $6 depending on the bank and guide, and cap each withdrawal at about $300-500 (as low as $100 at some machines). The screen shows the fee before you confirm. There is no currency conversion, since Ecuador uses the US dollar.
Cheapest: Banco Pichincha and Banco Guayaquil: the most reliable networks, with fees reported at the low end.
US dollar (USD) · Checked October 2026
Germany
Fees vary by bank and by card. Some travellers report no fee at German bank ATMs, but others are charged about €4-6 per withdrawal, and private machines in stations and tourist streets charge the most. The fee is shown on screen before you confirm. Limits are usually €200-2,000 per withdrawal.
Cheapest: Bank ATMs (Sparkasse, Volksbank, Deutsche Bank, Commerzbank) rather than private machines, checking the on-screen fee; Deutsche Bank, if you have a Bank of America card: no ATM fee (Global ATM Alliance), though Bank of America's 3% foreign fee still applies.
Avoid: Euronet and other private machines in stations and tourist streets.
Euro (EUR) · Checked October 2026
Guatemala
Bank ATMs charge foreign cards about Q25-45 (US$3-6) per withdrawal; the yellow 5B machines, the most common, charge about Q45-50. Limits are about Q2,000-3,000 a time.
Cheapest: BAC (reported Q25, up to Q3,000 a time); Banco Industrial (BI, reported Q25-31, up to about Q2,000 a time).
Avoid: 5B network ATMs (reported Q45-50).
Guatemalan quetzal (GTQ) · Checked October 2026
Iceland
All Icelandic bank ATMs are reported to charge foreign cards: about 1% with a minimum of ISK 275-300 at Íslandsbanki and Landsbankinn, and around ISK 600 at Arion Bank.
Cheapest: Íslandsbanki (reported 1%, minimum ISK 275); Landsbankinn (reported 1%, minimum ISK 300).
Avoid: Arion Bank (reported ISK 495 plus 1.1%, or a flat ISK 605); Euronet.
Icelandic krona (ISK) · Checked October 2026
Japan
Most Japanese bank ATMs do not take foreign cards. The convenience-store and post-office networks do. Seven Bank is reported to charge about ¥110-220 per withdrawal depending on card brand and amount (guides disagree on whether Mastercard is free), and allows ¥100,000 per withdrawal (¥30,000 for magnetic-stripe cards). The screen shows any fee before you confirm.
Cheapest: Seven Bank ATMs in every 7-Eleven, open 24 hours (reported ¥110-220); Japan Post Bank ATMs at post offices, useful in rural areas (hours vary).
Japanese yen (JPY) · Checked October 2026
Mexico
Every bank charges foreign cards a fee per withdrawal, from about 23 pesos to about 200 pesos depending on the bank. Standalone machines in shops, hotels and tourist strips charge 100 pesos or more. The fee is shown before you confirm.
Cheapest: BanBajío (about 23 pesos, fewer machines); Banamex (about 31 pesos, found everywhere); Banorte (reported 30-64 pesos).
Avoid: BBVA (reported up to 197 pesos); Standalone ATMs in OXXO stores, hotels and tourist strips.
Mexican peso (MXN) · Checked October 2026
Morocco
Since January 2026 travellers report that every bank charges foreign cards a fee, usually about 35 dirhams (range 22-50), with most machines capped at 2,000 dirhams per withdrawal. The fee is shown before you confirm on most machines; Attijariwafa is reported to show it only in small print.
Cheapest: BMCI (about 35 dirhams, but up to 4,000 dirhams or more per withdrawal); CDM (blue ATMs) and Banque Populaire (reported lower fees).
Avoid: Société Générale and Crédit Agricole (reported highest fees); Airport ATMs.
Moroccan dirham (MAD) · Checked October 2026
Nepal
Every bank charges foreign cards a flat fee, most commonly about NPR 500 and up to about NPR 850, and fees can vary by card and machine. Limits are usually NPR 20,000-35,000 per withdrawal; a few banks allow NPR 40,000.
Cheapest: Himalayan Bank (reported about NPR 500, up to NPR 35,000); Nabil and Global IME (reported about NPR 500-700, up to NPR 35,000 or more).
Nepalese rupee (NPR) · Checked October 2026
Netherlands
Geldmaat, the yellow ATMs run jointly by ABN AMRO, ING and Rabobank, has replaced most bank ATMs. Since 8 December 2025 it charges €4 per withdrawal on cards from other EU countries, Norway, Iceland and Liechtenstein, and other foreign cards are reported to pay €4.50-10 depending on the amount. Blue Euronet machines in tourist areas charge about €2-5 plus a poor exchange rate.
Cheapest: Geldmaat: €4 per withdrawal for European cards, reported from €4.50 for other foreign cards. Take out a larger amount once..
Avoid: Euronet machines in tourist areas.
Euro (EUR) · Checked October 2026
Panama
Bank ATMs charge foreign cards a flat fee of about $3-5.50 per withdrawal, shown on screen, with a cap of about $250 a time at most banks. Standalone ATMs in tourist areas, convenience stores and the airport charge about $7-8.
Cheapest: Multibank (reported $5.50, up to $500 a time); Banco General (reported $5.25, up to $250 a time).
Avoid: Standalone ATMs in convenience stores and tourist areas; Airport ATMs.
US dollar (USD), with Panamanian balboa coins · Checked October 2026
South Africa
Every bank ATM charges foreign cards a flat fee, about R50 at Standard Bank and FNB and about R75 at Absa (reported, 2026). One withdrawal is usually capped at R2,000-5,000.
Cheapest: Standard Bank (about R50, reported); FNB (about R50, reported).
Avoid: Absa (about R75, reported); Nedbank (known to push the offer to charge you in your home currency); ATMs at petrol stations and street-facing machines.
South African rand (ZAR) · Checked October 2026
South Korea
Bank and convenience-store ATMs with a "Global ATM" sign take foreign cards and are reported to charge about ₩3,500-5,000 per withdrawal.
Cheapest: Hana Bank and Woori Bank (reported ₩3,500-4,000); A WOWPASS card (₩1,000 per withdrawal, per WOWPASS).
Avoid: Convenience-store ATMs when a bank ATM is near (reported up to ₩5,000).
South Korean won (KRW) · Checked October 2026
Thailand
Every Thai bank ATM charges foreign cards a flat fee, reported in 2026 as 250 baht for Visa and 350 baht for Mastercard at most banks (some older guides still say 220). The screen shows the fee before you confirm. Most machines allow 20,000-30,000 baht per withdrawal.
Cheapest: Any major bank ATM, taking the maximum each time so the flat fee is spread over more cash; KBank ATMs with a PAY&TOUR card: 20 baht per withdrawal, up to 10,000 baht a day.
Thai baht (THB) · Checked October 2026
Tunisia
Most bank ATMs charge foreign cards about 10-14 dinars per withdrawal, with limits of 300-1,000 dinars. Airport ATMs often charge more than 10 dinars. One 2026 guide reports TSB (Tunisian Saudi Bank) charging nothing with a 300 dinar limit; Al Baraka, once free, started charging in July 2026.
Cheapest: Bank ATMs with high limits: BIAT and QNB (about 12 and 10 dinars, up to 800 dinars), Banque de Tunisie and BNA (about 10-12 dinars, 500-1,000 dinars).
Avoid: Petrol station ATMs (reported 8-10 dinars for small limits); Amen Bank (reported 14 dinars).
Tunisian dinar (TND) · Checked October 2026
United States
Almost every US ATM adds an owner surcharge for cards from other banks, averaging $3.22 in 2025 (Bankrate survey), and the screen shows it before you confirm. Your own bank's fees come on top.
Cheapest: Any bank-branch ATM, taking out a larger amount so the surcharge is spread over more cash.
US dollar (USD) · Checked October 2026
Uruguay
Reports range from no fee to about US$3-6 (roughly 100-250 pesos) per withdrawal, and foreign cards are capped at about 5,000 pesos (or US$200-300) a time. Look for ATMs showing Visa, Mastercard, Cirrus or Maestro logos; others serve only Uruguayan cards.
Cheapest: BROU (RedBROU network, the state bank): the lowest fees reported, from none to about 100 pesos.
Avoid: Repeated small withdrawals: the per-withdrawal fee adds up.
Uruguayan peso (UYU) · Checked October 2026
Zimbabwe
Most bank ATMs charge foreign cards 2-3.5% of the withdrawal, at least US$2-5, with up to US$1,000 per withdrawal (reported, 2026). They are mainly in Harare, Bulawayo and Victoria Falls, often run out of cash or go offline, and usually pay out US dollars, often as $100 notes that are hard to break. Do not rely on them.
Cheapest: None reliable: bring the US dollars you need. If you must, ZB Bank, Ecobank, Steward Bank and FBC Bank are reported to charge the least..
Avoid: Stanbic, CABS and First Capital Bank (reported much higher fees for foreign cards).
US dollar and Zimbabwe Gold (ZiG) · Checked October 2026

What about the other 117 countries?

We only list ATM fees once we have checked them against a bank's own fee page or several recent reports that agree. The remaining 117 country guides do not have ATM advice yet; each one says it has not been checked. Fees change often, so if you find one that is out of date, tell us. How we check is on the methodology page.