Compare foreign ATM fees across the globe | finder.com
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Compare foreign ATM fees across the globe

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

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 May 2019, 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 May 2019, 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. $2.50 plus 3% of the transaction.

    ATM fees around the world

    On top of your bank’s fees, you may also need to pay an ATM fee if you use an out-of-network ATM. These fees can vary based on both the country you’re in and the owner of the ATM.

    CountryFee for an ATM withdrawalConverted into USD
    AustraliaAUD 0 to AUD 2$0 to $1.38
    AustriaFreeFree
    BangladeshBDT 10$0.12
    CanadaCAD $1.50$1.12
    FinlandFreeFree
    GermanyEUR 1.95 to EUR 5$2.18 to $5.58
    Hong KongHKD 15 to HKD 30$1.91 to $3.82
    IndiaINR 20$0.29
    IndonesiaFreeFree
    IranFreeFree
    IrelandFree at banksFree at banks
    JapanFreeFree
    MalaysiaMYR 1.06$0.25
    The NetherlandsFreeFree
    NorwayFreeFree
    PakistanPKR 0 to PKR 20$0 to $0.13
    The PhilippinesPHP 200$3.82
    PolandPLN 5$1.30
    PortugalFreeFree
    SpainEUR 0 to EUR 1$0 to $1.12
    Sri LankaLKR 15 to LKR 60$0.09 to $0.34
    SwedenFreeFree
    SwitzerlandCHF 2$1.98
    ThailandTHB 10 to THB 20$0.31 to $0.63
    United KingdomGBP 1 to GBP 1.50$1.28 to $1.91

    *These fees were correct as of January 2019. These fees may have since changed.

    Compare foreign ATM fees on top bank accounts

    Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
    $0
    Free to use anywhere worldwide
    $0
    $0
    1%
    Get a $100 bonus when you fund a new account with direct deposit. A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
    $0
    Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $10 per month in ATM fee rebates
    $0
    $2.50
    Up to $10 in fee rebates if you maintain a monthly account balance of at least $2,500
    2%
    Simple and straightforward, a checking account for anyone looking for no-frills banking.
    $0
    1,000 fee-free ATMs across the country
    $0
    $3
    For $5 a month, you can get up to four ATM fee rebates
    3%
    Pay a $0 monthly service charge and get free access to BBVA Compass ATMs.
    $25 per month
    Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
    $0
    Up to four a month for using non-HSBC ATMs in all US states except New York
    3%
    Get $350 by funding and maintaining your new account with at least $5,000 in combined checking and savings for 90 days and setting up recurring third-party direct deposits for 3 consecutive months. Offer expires July 31, 2019.
    $25 per month
    Access to 16,000 ATMs and nearly 5,000 branches nationwide
    $2.50
    $5
    First four non-Chase ATM transactions per statement period
    3%
    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.

    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.

    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

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