Travel · Calculator
ATM fee calculator
Calculate exactly how much you pay in ATM and currency conversion fees when withdrawing cash abroad — and how much you'd save with the right card.
Withdrawing cash abroad with a standard bank card costs more than most people realise. There's typically a flat fee per withdrawal plus a 2.75–3% currency conversion feeon top. On four withdrawals across a trip, that's easily $30–$50 or equivalent in fees — just to access your own money. This calculator shows you the exact cost for your specific withdrawal pattern and card.
The best cards for ATM use abroad offer unlimited free international withdrawals — Starling Bank and Chase UK for UK travellers, Charles Schwab Debit for US travellers, Niyo Global for Indian travellers, ING Orange Everyday for Australians, and N26 for Europeans. Select your home region in the calculator to see your options.
Potential saving
You could save £44.00 on 4 ATM withdrawals totalling £800 by switching to a zero-fee card.
All cards — 4× £200 withdrawals (£800 total)
Frequently asked questions
How much do ATMs charge for international withdrawals?
Most standard bank cards charge a flat fee per overseas ATM withdrawal plus a 2.75–3% currency conversion fee. Zero-fee cards — Starling (UK), Charles Schwab (US), Niyo Global (India), ING Orange (Australia), N26 (EU) — charge nothing for international ATM use.
Which card is best for withdrawing cash abroad?
It depends on your home country. UK travellers: Starling Bank or Chase UK. US travellers: Charles Schwab Debit or Fidelity Cash Management. Indian travellers: Niyo Global. Australians: ING Orange Everyday or Macquarie Transaction. Europeans: N26 or Bunq. All charge zero forex fees and zero ATM fees.
Should I withdraw a large amount at once or small amounts frequently?
If your card charges a flat fee per withdrawal, fewer larger withdrawals save money. With zero-fee cards, frequency doesn't matter. With cards that have monthly free ATM allowances, plan withdrawals to stay within the free tier.
Do local ATMs abroad charge their own fees?
Yes. Many ATMs abroad, especially standalone machines in tourist areas, charge their own surcharge regardless of your card. Always prefer ATMs operated by large local banks — BNI or BCA in Bali, 7-Eleven ATMs in Japan, BNP Paribas in France — which typically have lower or no surcharges.