Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare foreign ATM fees across the globe

Some countries offer free ATMs — but your bank can still charge you.


Fact checked

Our option for no ATM fees: Zero Checking

Zero Checking logo


Deposit to Open

  • Debit-style experience
  • Earns credit card cashback
  • No annual, maintenance, or foreign transaction fees
Go to site

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.

What ATM fees apply?

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.

    Foreign ATM fees

    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:

    • Bank of America. $5.00 plus 3% of the transaction.
    • Capital One 360. Free.
    • Chase. $2.50 plus 3% of the transaction.
    • Citi. $2.50 plus 3% of the transaction.
    • PNC. $5.00 plus 3% of the transaction.
    • Wells Fargo. $5.00 plus 3% of the transaction.

    Out-of-network ATM fees

    On top of your bank’s fees, you may also need to pay an ATM fee if you use an out-of-network ATM.

    Data indicated here is updated regularly
    Name Product Fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
    Zero Checking
    $0 per month
    Zerocard is usable anywhere Mastercard is accepted.
    At the Carbon level, all ATM fees, including what the ATM owner may charge, are refunded.
    A mobile banking experience consisting of an app, a credit card called Zerocard, and a checking account called Zero Checking.
    TransferWise Borderless
    $0 per month
    Free at any ATM in the world
    You can withdraw $250 every 30 days with no fees
    Send and receive 40+ currencies right from your phone, but with a better exchange rate and low fees.
    TD Beyond Checking
    $25 per month
    1,900 ATMs across the country and Canada
    Unlimited fee rebates when you maintain a daily balance of at least $2,500
    A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
    USAA Classic Checking
    $0 per month
    Free at 60,000 ATMs nationwide (USAA, Allpoint, MoneyPass, PNC)
    Up to $15 in other US banks' ATM usage fees; not applicable for the month in which the account is closed
    An online checking account means no driving around town, no waiting in line and no bankers' hours.
    Chase Premier Plus Checking
    $25 per month
    Access to 16,000 ATMs and nearly 4,900 branches nationwide
    $2.50 in the US, Puerto Rico and US Virgin Islands; outside the US, it's $5 per withdrawal and $2.50 per transfer or inquiry
    First four non-Chase ATM transactions per statement period
    Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
    Chime Spending account
    $0 per month
    38,000 fee-free ATMs nationwide
    Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.

    Compare up to 4 providers

    How do I avoid ATM fees?

    To avoid racking up fees:

    • Withdraw less frequently. Instead of withdrawing $20 or $40 several times a week, withdraw $100 or $200 at once less often.
    • Stay in your bank’s network. Whenever possible, try to use an ATM owned by your bank or owned by a company with which your bank has a partnership. For example, Citi customers can withdraw money fee-free from any MoneyPass location.
    • Use ATM locators. Most banks have tools on their websites and mobile apps to help you find your nearest ATM. Put these tools to use if you ever need to find your nearest fee-free place to withdraw cash.
    • Get cash back at checkout. If you use your debit card in a store, you may be able to get cash back at the checkout without paying any fees.
    • Fee-free accounts. Some checking accounts reimburse you for ATM fees or let you withdraw a certain number of times without paying any fees.
    • Pay with card instead of cash. These days, most modern merchants have the capability to accept credit or debit card payments. The amount of times you actually have to use cash to pay for your purchases is actually quite small, so consider paying with your card instead of cash wherever possible.
    • Remember that you’re not just charged for withdrawals. As well as a fee for withdrawing cash, many banks will charge a fee of up to $2 if you use one of their ATMs to check your account balance. You can perform the same task for free online, so don’t use an ATM to check your balance unless you’re fully aware of any fees that may apply.

    How foreign transaction fees work

    Bottom line

    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.

    Frequently asked questions

    Image source: Getty Images

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site