ATM Charges Abroad

ATM Charges Overseas:

If you are travelling to the UK, USA  –  or any other country that doesn’t use the Euro  – it is usually easy to use your Irish debit card to withdraw the local currency at an ATM .
Don’t forget – there are also 9 EU countries that don’t use the Euro – they are Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden.

The exchange rates given by your card provider at the ATM  might be better than you would get by exchanging currency  before you travelled… but how much extra will you end up getting charged by your bank for using the ATM abroad ?

These are the ATM Charges for Non Euro cash withdrawals made by the main banks that operate in Ireland.


  • N26 1.7% –  (the lowest charge) with no minimum.

  • Ulster Bank 2% (min €3, max €12), plus foreign exchange fee of 1.5% . (Tip:  If you are an Ulster customer and use an ATM at RBS or NatWest , you will not be charged )

  • AIB – Currency conversion fee of 2.5% (not capped)  plus commission of 1% (min €2, max €6)

  • Bank of Ireland , PTSB and KBC all charge  3.5% (min €3.17, max €11.43)

This is how much  a withdrawal of £175 (Approx €200 Euro) at an ATM in the UK will  cost you

  • N26 €3.40
  • Ulster Bank :  €7 (Free at NatWest or RBS)
  • AIB : €7
  • PTSB: €7
  • KBC €7
  • BOI €7 (Free at BOI or UK Post Office)

Making a smaller withdrawal of £45 (€50) will cost you :

€0.87 with N26
€3.17 with BOI, KBC and PTSB cards,
€3.25 with AIB debit card
€3.75 with Ulster Bank debit card. (No charges at NatWest / RBS)


As you can see – N26 has the lowest charges when using an ATM overseas. N26 is a fairly new online bank , with their HQ in Germany. If you travel a lot – it might be worth opening an account with N26 to take advantage of their low charges. They don’t charge any fees for non euro purchases on their debit card. So – if you shop online a lot at UK or USA shops – it will work out cheaper using an N26 debit card. You could use N26 as a second bank account – and transfer money into it from your “main” account as and when you need it.   More details on N26 bank  here


With all debit cards you should avoid making lots of small cash withdrawals – as this will end up costing you more in fees  in the long run .

For example – a £10 ATM withdrawal (about €11) in the UK would cost you an additional €3.21 with Ulster , €3.17 with BOI KBC  or PTSB and €2.35 with an AIB card
So – five withdrawals of £10 could end up costing you at least €16 in charges ! But making one £50 withdrawal instead would cost at most €3.90

Compare these ATM charges with Debit and Credit Card Charges when spending in non Euro currencies.

The bank charges listed above for ATM withdrawals apply in all non Euro currency countries including USA , Australia, New Zealand , India, Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden and all non EU countries.

(Note:  The charges listed above do not include any of your own bank’s transaction fees which can be as much as 20c . See Current Account Fees in Ireland.

The tranasaction fees vary from bank to bank and may be waived if certain conditions are met. The transaction fees for withdrawals of  Euro cash  abroad should always be the same as if you were in Ireland.

Some ATMs abroad might also make an extra “usage”  or admin charge – they should display how much (if any) the charge will be  before you withdraw the cash

Sometimes , buying the currency before you travel can work out cheaper if you feel OK carrying a lot of cash with you. If you want to see the best place to buy Sterling or Dollars in Ireland  – take a look at this Comparison of Foreign Currency  Exchange in Ireland

Figures checked June 2018

If you are looking to transfer larger amounts of  currency  – take a look at our page on how to get the Best Exchange Rates on Large Amounts

2 thoughts on “ATM Charges Abroad

  1. Hi Eimer , the same bank charges apply in all countries with non euro currencies – so your bank charges for using an ATM in Japan will be the same as listed in the article.
    Visa Debit cards should work fine in JApan. I have seen advice elsewhere to use ATMs in “7-11 stores” or post offices to ensure acceptance.

  2. Thanks Brendan – there was an error an you are correct. The figures have now been corrected.

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