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ATM Fees in Europe

Withdrawing cash abroad can be an expensive experience as there might be higher transaction fees than expected. Discover the top 15 countries where ATM fees are the highest and understand how to avoid paying high charges while withdrawing cash abroad.

Countries with the highest ATM fees in Europe

Most withdrawals are free but sometimes you may be charged. Most cash withdrawals are free of charge and at the majority of ATM machines there is no charge for cash withdrawals when using a debit card or ATM card but be aware of the fees that might be higher charges abroad. Following is a list of the top 15 countries with the highest percentage of fees when withdrawing cash at an ATM machine.

All the data was taken from analysed cash withdrawals using a Wise card at 3rd party ATMs over a span of 12 months - April 2022 to May 2023
Countries% in ATM Fees

Iceland

4.60%

Turkey

3.59%

Albania

1.31%

Austria

1.23%

Czechia

1.20%

Georgia

1.01%

Croatia

0.80%

Serbia

0.79%

Greece

0.78%

Bosnia and Herzegovina

0.77%

Spain

0.70%

Poland

0.63%

Republic of North Macedonia

0.59%

Ireland

0.56%

Norway

0.44%

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How to avoid ATM fees in Europe

Withdrawing cash abroad can be a costly experience. Here are some tips to save on unnecessary ATM fees:

  • Find ATMs within your bank's network to avoid fees and enjoy free transactions.
  • Plan your cash needs in advance and withdraw larger amounts to reduce the frequency of ATM visits and potential fees.
  • Do research to find fee-free ATM networks and conveniently locate them during your travels.
  • Take advantage of online banking apps for easy access to your accounts and to monitor your finances on the go.
  • Consider opening an account with a bank that offers reimbursement for out-of-network ATM fees to save on additional charges.
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Frequently asked questions.