Calculators

ATM Withdrawal Fee Calculator for Cash Abroad

ATM withdrawal fee calculator: Wise, Revolut, N26 or Bybit fees with each free allowance; 4 × 300 EUR a month on Wise is 25.56 EUR. Plan a trip too.

What do you want to work out?
Cards

Fees as of 10 Oct 2026 · sourceCard EUR 7; first EUR 250 of cash a calendar month free, then 2.69%. Conversion fee depends on the currency and is shown before you pay.

Cash

Enter amounts in EUR, the card’s currency.

Advanced: card ATM fees, conversion and DCC

Answer

4 withdrawals of 300.00 EUR a month: 41.56 EUR in fees with Wise (EEA) — 3.46% of the cash.

Wise (EEA) sets its conversion fee per currency; it is not in this total. Enter it under Advanced to include it.

Cost per month
41.56 EUR
Average per withdrawal
10.39 EUR
Fees as a share of cash
3.46%
Card ATM fees
25.56 EUR
ATM operator fees
16.00 EUR
Conversion fee
0.00 EUR
How an ATM withdrawal abroad is priced
  1. ATM cash1,200.00 EUR
  2. Card ATM fees25.56 EUR
  3. ATM operator fees16.00 EUR
  4. Conversion fee0.00 EUR
  5. Cost per month41.56 EUR

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Decision framework

This ATM withdrawal cost calculator shows what cash withdrawals abroad cost with your card. Pick Wise, Revolut, N26, Bybit, Wirex, Crypto.com or RedotPay and its free monthly allowance and fees fill in; add the ATM operator fee to see the cost per withdrawal and per month, or plan how many withdrawals a trip needs.

The card’s free allowance is used first each month. Every withdrawal, or the part of it above the allowance, pays the card’s percentage or its minimum fee, whichever is higher, plus any fixed fee. The ATM operator fee is added to every withdrawal, and the card’s conversion fee to foreign cash. Enter amounts in your card’s currency. In trip mode the calculator spreads your daily cash over 30-day months, takes the fewest withdrawals that keep each one under the most cash you want to carry, and checks whether more withdrawals would cost less. To compare the ATM’s own conversion offer (DCC), enter its markup under Advanced.

Example: 4 withdrawals of 300 EUR with Wise

Wise’s EEA card gives the first 250 EUR of cash a calendar month free, then charges 2.69% (as of 10 Oct 2026). Four withdrawals of 300 EUR are 1,200 EUR: 950 EUR × 2.69% = 25.56 EUR, plus a 4 EUR operator fee each, 41.56 EUR a month or 3.46% of the cash. For a 20-day trip at 30 EUR a day with at most 200 EUR on you, the plan is 3 withdrawals of 200 EUR: 350 EUR × 2.69% = 9.41 EUR in card fees plus 12 EUR in operator fees, 21.41 EUR in total or 3.57% of the cash.

Before you withdraw cash abroad

  • Use bank-branded ATMs and read the operator fee on screen before you confirm.
  • Choose to be charged in the local currency when the ATM offers to convert (DCC).
  • Withdraw larger amounts less often when the operator fee is fixed, but carry no more cash than you could afford to lose.
  • Check your card’s daily ATM limit and the machine’s limit before you plan one large withdrawal.

FAQ

How many ATM withdrawals should I plan for a trip?

As few as your carry limit allows. A fixed operator fee is paid on every withdrawal, and allowances such as Wise’s 250 EUR a month (as of 10 Oct 2026) do not grow with more withdrawals. Switch to trip mode to get the number for your card.

Which card has the largest free ATM allowance here?

Wise gives 250 EUR, GBP or USD of cash a calendar month (EEA and UK as of 10 Oct 2026, US as of 21 Sep 2026). Revolut Standard (UK) gives 5 withdrawals or GBP 200, Wirex and Crypto.com Midnight (US) 200 and Bybit Card EU EUR 100 (as of 26 Sep 2026). N26 charges 1.7% on non-euro cash and RedotPay 2% from the first withdrawal. Nexo Card Base is a virtual card only, so it is not listed for cash.

Should I accept DCC at an ATM?

Usually not. Enter the markup the ATM shows under Advanced to see the difference per withdrawal. To decline, choose the local currency.

What if an ATM will not give the exact amount?

The plan uses averages. Round each withdrawal to the notes the machine dispenses and keep enough cash for each part of the trip.

Results use the amounts and fees you enter, so replace the examples with your own numbers. How we compare