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If you’re using an overseas ATM, you can be charged an out-of-network ATM fee by your bank, a currency exchange fee by your bank and an ATM fee by the machine’s operator. But there are steps you can take to cut down on ATM costs when traveling.
If you’re using an ATM that belongs to your bank, you generally won’t have to pay anything. But if you use an out-of-network ATM, you could have to pay both the ATM’s fee and your bank’s fee.
ATM fees range from around $1.50 to $3.00 on average, but can sometimes be much higher in casinos and bars.
Bank fees for using an out-of-network ATM are set by each individual bank. As of January 2020, Bank of America, Chase, Citi and Wells Fargo all charge $2.50 for an out-of-network ATM withdrawal. PNC charges $3.00 for out-of-network withdrawals on their Virtual Wallet account, and Capital One 360 offers free ATM withdrawals.
Most banks charge additional fees if you use an out-of-network overseas ATM to withdraw foreign currency. You may even be charged for both the ATM and the currency exchange. As of January 2020, the fees at the top banks are:
On top of your bank’s fees, you may also need to pay an ATM fee if you use an out-of-network ATM.
To avoid racking up fees:
ATM fees can start to add up quickly — especially if you’re traveling overseas. Keep track of your ATM spending, take steps to reduce what you pay in fees and compare checking accounts to find one with ATM fees you can live with.
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