How do I avoid ATM fees when abroad?

How to Avoid ATM Fees When Traveling Abroad
  1. Use an ATM in Your Bank's International Network. ...
  2. Use Your Debit Card to Get Cash Back at a Store. ...
  3. Don't Use the ATM's Conversion Offer. ...
  4. Use a Bank That Doesn't Charge International ATM Fees. ...
  5. Use a Bank That Refunds ATM Fees. ...
  6. Use a Credit Card Without a Foreign Transaction Fee.




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Avoid independent ATMs, such as Travelex, Euronet, Moneybox, Your Cash, Cardpoint, and Cashzone. These have high fees. Note that these independent ATMs are often found next to bank ATMs in the hope that travelers will be too confused to notice the difference.

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European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

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Foreign transaction fees are charged by your bank for currency conversion. If your bank charges foreign transaction fees — and many do — you'll pay a percentage of the total withdrawal amount, usually 1% to 3%, for using your card at a foreign ATM (or anywhere else abroad).

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Best No Foreign Transaction Fee Credit Cards
  1. Discover it® Cash Back: Best for rotating category rewards.
  2. Capital One VentureOne Rewards Credit Card: Best for occasional travelers.
  3. Bank of America® Travel Rewards credit card: Best for intro APR.
  4. Chase Sapphire Preferred® Card: Best travel card for beginners.


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