In all, the average total cost of an out-of-network ATM transaction is now $4.73, which combines the average fee of $1.58 charged by one's own bank with the average surcharge of $3.15 levied by an ATM-owning bank.

In 2026, ATM transaction fees typically consist of two distinct charges: a fee from the ATM owner (the "surcharge") and a fee from your own bank. Domestic surcharge fees in the United States currently average between $2.50 and $5.00 per withdrawal. If you are traveling internationally, your home bank may also charge a "foreign ATM fee," which is often a flat rate of $5.00 plus a 1% to 3% currency conversion fee. Some premium "travel-friendly" banks, such as Charles Schwab or certain Capital One accounts, offer full reimbursement of these ATM fees globally, which can save a traveler $50–$100 over a long trip. Conversely, using an "independent" or "generic" ATM in a convenience store or airport is significantly more expensive than using one branded by a major national bank. To minimize these costs, it is best to withdraw larger amounts less frequently and to use "All-Point" or "in-network" ATMs whenever possible to avoid the double-whammy of a surcharge and an out-of-network penalty.