International ATM Fee Guide
Know the fees before you land. Country-by-country guide to ATM charges, withdrawal limits, and networks for international travelers.
United States
USD · Visa / MastercardUse in-network ATMs to avoid fees. Allpoint and MoneyPass networks are fee-free for many banks.
United Kingdom
GBP · LINK / Visa / MCMost high-street bank ATMs are free via LINK network. Avoid independent ATMs that charge £1.50–£2.
Eurozone
EUR · Visa / MastercardFees vary by country. Germany and Netherlands often free; Spain and Italy may charge €1.50–€2. Always decline DCC.
Japan
JPY · 7-Eleven / JP Post7-Eleven and Japan Post ATMs reliably accept foreign cards. Most Japanese bank ATMs do not.
Thailand
THB · Visa / MastercardAll Thai ATMs charge ฿220 per withdrawal for foreign cards. Withdraw maximum amount (฿20,000–฿30,000) to minimize per-unit fee.
India
INR · Visa / Mastercard / RuPayState Bank of India and HDFC ATMs widely available. Limit varies ₹10,000–₹25,000 per withdrawal.
Mexico
MXN · Visa / MastercardSantander and Scotiabank may waive fees for partner bank customers. Always decline DCC at ATMs.
Australia
AUD · Visa / Mastercard / eftposBig 4 banks (ANZ, CBA, NAB, Westpac) eliminated domestic ATM fees. Foreign card fees still apply.
Canada
CAD · Interac / Visa / MCScotiabank is part of Global ATM Alliance—free for partner bank customers (e.g., Bank of America).
Singapore
SGD · Visa / Mastercard / NETSDBS, OCBC, and UOB ATMs widely available. Changi Airport ATMs may charge higher fees.
South Korea
KRW · Visa / MastercardGlobal ATMs at convenience stores (CU, GS25, 7-Eleven) widely accept foreign cards.
Brazil
BRL · Visa / MC / CirrusBanco24Horas network is the most reliable for foreign cards. IOF tax of 1.1% applies to all foreign withdrawals.
South Africa
ZAR · Visa / MastercardFNB, Standard Bank, and Nedbank ATMs widely available. Use indoor ATMs for safety.
UAE (Dubai)
AED · Visa / MastercardATMs widely available in malls and metro stations. Emirates NBD and ADCB are common.
Indonesia
IDR · Visa / Mastercard / CirrusBCA and Mandiri ATMs most reliable. Max withdrawal usually Rp 1,250,000–Rp 3,000,000. Skimming risk—use bank-attached ATMs.
Vietnam
VND · Visa / MastercardVietcombank and BIDV widely accept foreign cards. Max withdrawal ₫2,000,000–₫5,000,000.
Tips to Save on ATM Fees
Always decline Dynamic Currency Conversion
When an ATM offers to convert to your home currency, always say NO and choose the local currency. DCC markups range from 3% to 7%.
Use a no-foreign-fee debit card
Cards like Charles Schwab, Wise, or Revolut reimburse ATM fees and have zero forex markup, saving you 3–5% on every withdrawal.
Withdraw larger amounts less often
Most ATM fees are flat per transaction. Withdrawing $300 once costs less in fees than withdrawing $100 three times.
Use bank-attached ATMs
ATMs inside or attached to bank branches are safer and less likely to have skimming devices than standalone ATMs.
Check your daily withdrawal limit
Foreign ATMs often have per-transaction limits that are lower than your card limit. Plan accordingly.
Carry backup payment methods
Do not rely solely on ATM cash. Carry a credit card and a second debit card in case your primary card is blocked or eaten.
Disclaimer
ATM fees and withdrawal limits listed are approximate and subject to change. Fees may vary by bank, ATM operator, card issuer, and account type. Your home bank may charge additional fees on top of the local ATM operator fee. Always check with your bank for the most current fee schedule.