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Free ATMs Around The World (Updated 2024)

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Last Updated: Jan 1, 2025

Kindly leave a comment if anything needs to be updated.

How to use a foreign ATM like a pro:

Using an ATM while abroad can be a very convenient way of getting your hands on some foreign cash.

Contrary to what you may think, you can actually get better rates than those offered at currency exchange booths if done in the RIGHT way.

  1. Credit cards: DO NOT use them. It will incur a cash advance fee.
  2. Debit cards: Use one that does not charge out-of-network ATM fees or foreign transaction fees.
  3. Prepaid Visa/Mastercards: Use one that does not charge ATM fees or foreign transaction fees.
  4. DO NOT let ATMs to do the conversion. Always select the currency of the country you're in, let your card issuer do the conversion.
  5. Use an ATM that does not charge a withdrawal fee (if there is one).

I've also compiled a list of ATMs that do not charge a withdrawal fee in the table below.
Use Ctrl+F to find your desired country from the table below.
Last Updated: March 17, 2024

Free ATM List

CountryNo-fee ATM banksLast verified
Afghanistan
AlbaniaCredins Bank (600 LEK) ABI (500 LEK)Jul '23 Jun '23
AlgeriaBNP ParibasNov '23
AndorraANDBANK Morabanc (MC)Sep '18 Feb '19
Angola
Antigua and Barbuda
Argentina
ArmeniaAmeriabank (Airport) IDBankSep '23 Sep '23
AustraliaANZ Bank National Bank of Australia rediATMAug '19 Apr '18 Jan '17
AustriaBankhaus Carl Spangler Bawag/PSK Hypo Tirol Volksbank Tirol AG (MC)Jul '19 Feb '24 Jul '19 Apr '18
AzerbaijanBank of BakuFeb '23
Bahamas
Bahrain
Bangladesh
Barbados
BelarusBelinvestbank Belgazprombank (MC) BPS Sberbank (MC) BelSwissBank PriorbankApr '19 Feb '22 Feb '22 Dec '21 Oct '21
BelgiumING KBC (Visa)Jun '19 May '19
Belize
BeninEcobankMar '24
Bhutan
BoliviaBancoFie (Visa/MC) Banco Pyme EcofuturoMar '19 Dec '16
Bosnia and HerzegovinaZiraat UniCredit Bank Nova Banka SberbankAug '22 Jul '22 Apr '19 Apr '19
BotswanaFNBAug '23
Standard CharteredAug '23
Bank of BarodaAug '23
AccessAug '23
BrazilBanco Bradesco (MC) Banco de Brasil (Visa/MC) - card rejected ItauApr '24 Apr '24 Feb '19
Brunei Darussaiam
BulgariaFibank DSK Bank (Airport) Unicredit Bulbank Central Cooperative Bank Postbank ProCredit Bank Tokuda BankApr '23 Sep '23 May '22 Sep '21 Sep '21 Sep '19 Sep '19
Burkina Faso
Burundi
Cabo Verde
CambodiaAvoid Maybank and Canadia ($5/transaction)
CameroonEcobankMar '24
CanadaAlterna Savings Toronto Police Credit Union L.I.U.N.A. Credit Union Vancity connectFirst Credit Union KEB Hana Bank (MC)Aug '23 Aug '23 Aug '23 Aug '23 Aug '23 Aug '23
Central African Republic
ChadEcobankMar '24
ChileScotiabank Banco BICE Banco Internacional Itau BankJun '23 Sep '19 Jan '18 Dec '16
ChinaBank of China (Visa) ICBC (Visa) China Construction Bank (Visa) CITIC (Visa)July '19 July '19 July '19 July '19
ColombiaBanco Caja Social BBVAFeb '24 Feb '22
Comoros
Congo, Democratic Republic of the
Congo, Republic of the
Costa RicaBAC Credomatic Banco NacionalNov '18
CroatiaPodravska Banka Agram Bank HBP Bank Addiko Bank Auro Domus Erste Bank IKB Kent Bank RaiffeisenBank (MC) Sberbank Zagrebačka BankaDec '22 May '23 Aug '19 Aug '19 Jul '24 Apr '19 Jul '24 Jun '19 Jun '19 Jun '19
Cuba
Cyprus
Czech RepublicAir Bank Fio Komerční Banka Raiffeisen Unicredit BankMar '23 Dec '18 Dec '22 Dec '18 Dec '18
DenmarkNordea (MC) Nordjyske BankSep `18 Aug `19
Djibouti
Dominica
Dominican RepublicScotiabank Jumbo ATMFeb '24 Nov '18
East Timor (Timor-Leste)
EcuadorBanco del Austro (MC) Produbanco (MC)Nov '22 Oct '19
EgyptNational Bank of EgyptJul '22
El SalvadorBanco DaviviendaNov '21
Equatorial Guinea
Eritrea
Estonia
Eswatini (formerly Swaziland)
Ethiopia
Fiji
Finland
FranceMost ATMs are FREE
Gabon
GambiaMost ATMs have a fee Access Bank (150 GMD)Mar '23
GeorgiaBank of GeorgiaMar '23
GermanyMost ATMs are FREE Deutsche BankJun '22
Ghana
GreeceMost ATMs charge 2~3 EUR Attica Bank (2 EUR)
Grenada
Guatemala
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
Hong KongCitibank HSBC Hang Seng Standard CharteredMar '17 Jan '19 Jan '19 Apr '20
HungaryMost ATMs are FREE Erste Bank OTP BankJul '22
Iceland
IndiaState Bank of India Kasturba RBL Bank Yes Bank Bank of BarodaJan '23 Mar '18 Aug '19 Sep '16 Dec '17
IndonesiaBank Negara CIMB Maybank Bank BCANov '23 Nov '23 Nov '23 Nov '23
Iran
Iraq
IrelandAllied Irish Bank AIB Bank of IrelandMay '17 May '18
IsraelHapoalim ATM Bank Mizrahi-Tefahot Discount BankMar '23 Dec '19 Nov '18
ItalyMost ATMs are FREE
Ivory CoastEcobankMar '24
Jamaica
JapanAEON BANK (at any AEON mall, ¥110 Yen during bank hours, ¥220 Otherwise)Dec '22
JordanJordan Commercial Bank (1 JD - the cheapest option) Societe Generale de Banque Jordanian Kuwait Bank - No fee but conversion without notification Investbank - No fee but conversion without notificationApr '22 Jul '22 Jul '22 Jul '22
KazakhstanHalyk Bank SberbankMay '22 Jun '19
KenyaEcobank Equity Bank ($5 USD) National Bank (Visa) Diamond Trust Bank WatamuMar '24 Feb '24 May '22 May '18 Dec '18
Kiribati
Korea, NorthLet us know how ATMs look like there
Korea, SouthMost ATMs have a fee ($3~$4)
Kosovo
KuwaitBBK Burgan Bank of Kuwait NBK National Bank of KuwaitAug '19 May '23
KyrgyzstanOptima BankFeb '22
Laos
LatviaMost ATMs are FREE
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Madagascar
Malawi
MalaysiaBSN Bank (MC/Visa) CIMB Bank (MC/Visa) Maybank (MC/Visa)Mar '18 Sep '22 Mar '18
Maldives
Mali
MaltaBOV HSBCSep '19 Sep '19
Marshall Islands
Mauritania
MauritiusSBM MCBJun '23 Jun '23
MexicoMost ATMs have fees BanBajio (23.20 Pesos) BanCoppel (29 Pesos) HSBC (35.23 Pesos)Dec '24 Dec '24 Dec'24
Micronesia
Moldova
Monaco
Mongolia
MontenegroMost ATMs have fees Crnogorska komercijalna banka Erste Banka (MC) PRVA Banka (MC)Jun '24 Aug '19 Aug '22 Jul '23
MoroccoAl Barid Bank (post office)Jun '22
Mozambique
Myanmar (Burma)
Namibia
Nauru
NepalMost ATMs have a feeNov '19
NetherlandsGeldmaat SNSJun '22 May '19
New ZealandBNZJan '24
Nicaragua
Niger
NigeriaAccess Bank (MC/Visa) Diamond Bank (MC/Visa) UBA (MC/Visa)Mar '19 Mar '19 Mar '19
North Macedonia (formerly Macedonia)Halkbank (MC) Ohriska Banka (MC) Sparkasse Bank (MC) (350 MKD fee) Stopanska Banka (MC) Komercijalna BankaJul '23 Jul '19 Jul '23 May '18 Apr '23
NorwaySpareBank 1Oct '23
OmanBank DhofarNov '18
Bank MuscatNov '18
Pakistan
Palau
Palestine
Panama
Papua New Guinea
ParaguayMost ATMs have a fee
PeruBCP Multired ATMJul '19 Nov '19
PhilippinesHSBCFeb '23
PolandATM Global Bank Pekao SA SantanderSep '18 Aug '18 Dec '22
PortugalMillennium BCP (1 Eur) MultibancoSep '20
Qatar
RomaniaBanca Transilvania (Visa) BCR Bank (MC) BRD Bank/BRD-GSG Bank CEC Bank (MC) ING OTP Bank (MC) Raiffeisen (Visa)Jan '23 Aug '19 Oct '18 Jan '19 Oct '18 Jan '19 May '19
RussiaBank Otrkitie (MC) BIN Bank (Visa) VTB (MC)Jun '19 Sep '18 Jun '19
RwandaI&M Bank (Visa)Nov '19
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi ArabiaRiyad BankJul '21
SenegalBICISMay '22
NSIAMay '22
SerbiaNLB Komercijalna OTP Banka AIK Banka Jubanka (MC) Erste Bank (MC) Multicard ATMOct '23 Sep '23 Jul '22 May '18 Jul '19
SeychellesMCBNov '22
Al Salam BankNov '22
Sierra Leone
SingaporeUOBOct '18
SlovakiaČSOB Postova Banka (MC/Visa) Unicredit (MC/Visa) Tatra Banka VUB Prima BankaAug '22 Sep '18 Sep '18 Nov '18 Sep '20 Nov '18
SloveniaAddiko Bank UnicreditAug '22 Aug '22
Solomon Islands
Somalia
South AfricaStandard Bank South Africa (free for Visa. R50 fee for MC) CapitecJun '22 Apr '19
South Sudan
SpainCaixa Enginyers BancoMarch Banco Sabadell Arquia Banca (MC) Deutsche Bank Liberbank Telebanco UniCajaFeb '24 Dec '22 Sep '21 Jul '19 Apr '19 Dec '17 Jul '17 Mar '19
Sri LankaPeople’s Bank Bank of Ceylon (BOC)Feb '20 Feb '20
Sudan
Suriname
Sweden
SwitzerlandMost ATMs are FREE
Syria
TaiwanBank of Taiwan Cathay Bank First Commercial Bank Taipei Fubon Bank SinopacApr '23 Apr '23 Apr '23 Apr '23 Apr '23
Tajikistan
TanzaniaEcobankMar '24
ThailandSay hi to ฿220 fee
Togo
Tonga
Trinidad and Tobago
TunisiaQatar National Bank (QNB)May '23
TurkeyPTT Bank (Post office)Sep '23
INGSep '23
KuveytTurkAug '23
HSBCAug '22
HalkbankSep '23
Ziraat BANK (MC)Jul '22
Turkmenistan
Tuvalu
UgandaDFCU (Visa) Orient Bank (Visa)Nov '19 Nov '19
UkraineKredo Bank (Visa) Oschadbank Ukrsibbank (Visa)Apr '19
United Arab EmiratesAbu Dhabi Commercial Bank Emirates (NBD) BankAug '19 Jul '22
United KingdomMost ATMs are FREE
United States of AmericaRegions Bank (Miami Beach) SantanderMar '24 May '19
UruguayRedbrou (Visa) Banco de la República Uruguay (Visa)June '23 May '19
UzbekistanKapital BankJune '19
Vanuatu
Vatican City (Holy See)
Venezuela
VietnamVP Bank TP Bank HSBC ACB (Visa) MB Bank Saigon Commercial BankApr '24 Apr '24 Jun '17 Jun '17
Yemen
ZambiaEcobank Stanbic Bank (Visa) Atlasmara FNBMar '24 Sep '19 Apr '23 Apr '23
Zimbabwe

Written by

Jason

Jason is a Toronto-based points-and-miles writer who sleeps in hostels and redeems for suites — honest, frugal, lightly funny.

Comments

24 comments

  • MartinOctober 12, 2023

    Thanks for the info. Confirmed SpareBank in Norway free of charge as of 10/2023.

    • JasonAuthorOctober 14, 2023

      Thanks Martin. I have updated the date.

  • Jose CunhaMarch 18, 2024

    Hello, I’ve just been to Miami last week and the Regions Bank in Miami Beach (intersection Alton Rd with 17th street) was the only ATM I found with no fees whatsoever!

    • JasonAuthorMarch 19, 2024

      That’s amazing. It’s quite tough to find a free ATM in the USA . Thanks Jose ! updated the data

  • MimiApril 1, 2024

    Thanks Jason. Very good list! Let me add one more country, according to reports, in Cote D’Ivorie, Ecobank ATMs have no fee.

    • JasonAuthorApril 2, 2024

      Thank you Mimi, I’ll update accordingly.

  • Paulo CezarApril 18, 2024

    I’ve tried tô use the revolut card in Bradesco and Banco do Brasil in Brazil and It didn’t work att all.

    • JasonAuthorApril 18, 2024

      Sorry to hear. I’ll update accordingly. did they just straight reject your Revolut Visa ?

  • MimiMay 13, 2024

    Hi Jason, I just came back from South Africa. Unfortunately all banks charge 50ZAR fee, avoid ABSA that charges 75. May 2024

    • JasonAuthorMay 13, 2024

      That’s very unfortunate. I’ll update it accordingly. Did you use Visa or Mastercard?

      • MimiMay 18, 2024

        I tried both. Same results. I ended up biting the bullet.

      • MimiMay 18, 2024

        BTW, I also want to add to your list that during my trip to Colombia and Ecuador in November 2023, I found most ATMs in Ecuador charges USD 3-4 fees. Including the ones on the list. I tried both Visa and Master. In Colombia, I couldn’t find Banco Caja Social. And I tried BBVA but they couldn’t process my card for some reason. But I successfully got cash from Davivienda’s ATM in Bogota Airport using a Mastercard. And I did it a couple times later on Davivienda in other cities as well. No fees, very straight forward. So Davivienda is the bank I would recommend in Colombia.

        • JasonAuthorMay 18, 2024

          Thank you for these valuable data. Sorry my list isn’t helping much to you 🙁 I’m not sure about BBVA but Banco Caja Social I’m very positive because a friend of mine went to Colombia few months ago and confirmed it.

  • VirginieJune 10, 2024

    Hi, I was in Albânia last week, the credins is charging 600 LEK now and the best I could find was ABI (American Bank of Investment) charging 500 LEK. Now, I’m in Montenegro and all ATM I tried charge 4.99 EUR per withdrawal.

    • JasonAuthorDecember 31, 2024

      updated

  • silver-1979July 26, 2024

    Hi, CROATIA, checked today (26.07.2024) with VISA Revolut: KENT bank – NO fee ERSTE bank – NO fee

    • JasonAuthorDecember 31, 2024

      Thank you! I’ve updated them

  • Antonios P.July 8, 2025

    In Ukraine, just now, July 2025, can confirm NO FEE at Oschadbank ATM with Revolut Visa

  • ChrisOctober 28, 2025

    GREECE ATM OF PIRAEUS BANK NO FEE – OCT 2025

    • MimiNovember 17, 2025

      Just got back from Greece, adding a couple more notes: Alpha Bank charges 1.8 Euro Chania Bank charges 2.3 Eurobank charges 1.8 I think all major commercial banks charges fees. I finally found a National Bank ATM near the entrance of the acropolis and it was free. I also went to Turkey this time: All major banks such as Arbank, Halkbank, Garanti, etc. charges 8-12% on withdraws. Ziraat might be the lowest among them with 8.5% rate. It’s still ridiculously high tho. PTT (Post Office Bank) is the only ATM that I found not to charge any fees. (I did not find ING, KuveytTurk, HSBC in Turkey. Either the list is too old or they only have limited presence in big cities.)

      • JasonAuthorNovember 17, 2025

        That’s a good find in Greece. Turkey is really tough. There’s quite a bit of HSBC ATMs in Istanbul but not sure about other cities. Even then, I don’t think HSBC is free anymore

  • ChrisJanuary 12, 2026

    ATMs of Davivienda are free of charge

    • ChrisJanuary 12, 2026

      In Panama

    • ChrisJanuary 20, 2026

      Just the Davivienda ATMs in Rex Supermarket

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