ATM Charges Abroad

ATM Charges Overseas:

If you are travelling to the UK, USA , Australia –  or any other country that doesn’t use the Euro  – you can use your Irish debit card to withdraw the local currency at an ATM . (Cash Machine)

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

Top Tip : If an ATM offers to do a currency conversion for you – always say NO. The ATM provider will use a worse exchange rate than your bank and you could end up paying 3 to 5% more. So never agree to let the ATM charge your Irish bank account in Euros.

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% (minimum charge €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 (Equivalent to about €200 Euro) at an ATM in the UK will  cost you in bank charges.

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

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 very low charges. Also – N26 don’t charge any fees for non euro purchases on their debit card.
So – if you travel a lot or shop online a lot at UK or USA shops – you could save a lot by 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. There is no reason why you couldn’t use it as your main bank account.

More details on N26  here


With most 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 because most of them have a minimum fee . (Not N26)

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 Irish 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 may 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  “usage”  or admin charges – they should display how much (if any) the charge will be  before you withdraw the cash.
For example – all ATMs in Thailand charge 200 Baht per withdrawal.
Other countries where ATM charges are common include Spain , Poland,Vietnam,  India, Cambodia and the USA.
There are currently no charges for overseas customers using an ATM by the 4 main banks in Australia.


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 December 2018


Don’t forget – there are nine EU countries that don’t use the Euro – they are Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden and the UK.

If you are looking to transfer larger amounts of  urrency to a bank account – 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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