ATM Charges Overseas

ATM Cash Withdrawal Charges Overseas

If you are travelling from Ireland to the UK, USA , Australia –  or any other country that doesn’t use the Euro  – you can use your Irish bank’s 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 in cash before you travelled… but how much extra are you be charged for using an ATM abroad?


These are the ATM Charges for Non-Euro cash withdrawals with debit cards issued by banks that operate in Ireland.


  • N26 –  1.7% –  with no minimum.
  • Revolut : First €200 is free than a 2% fee

  • EBS –  1% ( Min €1.91; Max €6)
  • 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 3.5% (min €2 max €6)
  • Credit Unions  3.5%  (Max €12  ; Min €3)
  • An Post –   90c plus 3% of the transaction.
  • Bank of Ireland , PTSB and KBC all charge  3.5% (min €3.17, max €11.43)

This is how much a withdrawal of £420 (Equivalent to about €500 Euro) at an ATM in the UK will cost you in bank charges. Cheapest listed first.

  • EBS €5.00
  • Revolut €6
  • N26 €8.75
  • PTSB: €11.43
  • KBC :  €11.43
  • BOI :  €11.43 (Free at BOI or UK Post Office in UK)
  • Credit Union €12.00
  • An Post :  €15.90
  • AIB : €17.50
  • Ulster Bank :  €17.50 (Free at NatWest or RBS in UK)

This is how much a withdrawal of £85 (Equivalent to about €100 Euro) at an ATM in the UK will  cost you in bank charges.

  • Revolut €0.00 (assuming you have withdrawn less than €200 in the month)
  • N26 €1.75
  • EBS €1.91
  • PTSB: €3.50
  • KBC :  €3.50
  • Credit Union €3.50
  • BOI :  €3.50 (Free at BOI or UK Post Office in UK)
  • An Post :  €3.90
  • AIB : €4.50
  • Ulster Bank :  €4.50 (Free at NatWest or RBS in UK)

Making a smaller withdrawal of £40 (about €50) will cost you :

  • Zero with Revolut (But it would be €1 f you have exceeded €200 in a month)
  • €0.87 with N26
  • €1.91 with EBS
  • €3 with a Credit Union card
  • €3.17 with BOI, KBC and PTSB cards,
  • €3.40 with An Post
  • €3.75 with AIB debit card.
  • €3.75 with Ulster Bank debit card. (No charges at NatWest / RBS)

You can see the Maximum ATM Withdrawals allowed on Irish Debit cards here.


N26 Information

N26 is an 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.

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


Special Offer for Money Guide Ireland readers.
If you join Revolut using the link below – you will get €10 credit on your account and 1 month trial of Revolut Premium for FREE.

You can sign up with Revolut Here .


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

The transaction 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.

See Current Account Fees 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.


Top Tip : If an ATM overseas offers to do the currency conversion for you – always say NO. The ATM provider will use an even 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.


If you feel OK carrying a lot of cash with you and you want to buy some foreign currency  – take a look at this Comparison of Foreign Currency  Exchange in Ireland

All Figures above were checked Feb 2022


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 currency to a bank account – take a look at our page on how to get the Best Exchange Rates on Money Transfers .

Buying Stocks and Shares in Ireland

One thought on “ATM Charges Overseas

  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.

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