ATMs in Germany: locations, fees, and tips (2024)

Whether you’re travelling to Germany from the UK for business or pleasure, one thing’s for sure: you needn’t worry about finding an ATM.

The International Monetary Fund has estimated there are around 130 ATMs per 100,000 adults in Germany.¹ With a population of more than 83 million people², that’s over 100,000 ATMs across the country.

But before you rush to the first one you see, read on to find out more about using an ATM in Germany.

And, if you want to avoid exchange rate markups and sneaky transaction fees while shopping in Germany, then check out the Wise card. You can also use it to spend in 175 countries, and your transactions abroad are automatically converted into British pounds using the fair mid-market exchange rate.

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Where do I find ATMs in Germany?

In Germany, ATMs are called Geldautomat. They’re normally located inside or just outside bank branches. You’ll also find them at most major airports. They’re less common in places such as shopping malls and petrol stations.

Germany’s four major banks have many ATMs, and they’ve made them easy to find with online locators:

Will my credit or debit card work in Germany?

German ATMs accept foreign bank cards, as long as they belong to a compatible card service. You can confirm whether your card will work by asking your bank back in the UK. You should also let your bank know when you’ll be abroad. Otherwise, it might consider your German transactions suspicious and block your card.

Your card doesn’t need to be the chip-and-pin type to work in a German ATM - a standard card with a magnetic stripe works too. However, ATM keypads only have numbers, so you’ll need to know your PIN (personal identification number). German ATMs don’t accept PINs longer than four digits, either.

Most ATMs in Germany accept Cirrus, Maestro (both run by MasterCard) and Visa (Plus) cards. You can confirm if an ATM is compatible by checking whether your card network’s logo is on the machine. Alternatively, use:

What are the ATM fees when using my card in Germany?

There are three types of fees you need to consider when using a German ATM:

  1. exchange rate fees
  2. local charges
  3. your home bank’s charges

And, if you’re looking for a transparent and safe alternative to manage your money in the UK or when travelling abroad, consider signing up with Wise. You can get a Wise card, a multi-currency card that automatically converts your pounds into local currency in 175 countries at the fair mid-market exchange rate.

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1. Exchange rate fees

An ATM withdrawal often gives you the best deal on the exchange rate, because the conversion is made using the mid-market rate. This is a fair euro exchange rate without any mark-ups.

However, it’s best to stay alert. Some ATMs will ask if you’d like to be charged in British pounds. Transactions in pounds are done using something called Dynamic Currency Conversion, which essentially means the ATM will make up an exchange rate for you which is not favourable. Avoid this rip-off by always choosing to perform the transaction in Euros.

2. Local charges

Germany’s major banks don’t charge ATM fees to foreigners.³ Privately operated ATMs, however, may charge high fees.

You can distinguish private machines from bank ATMs because they don’t have a bank’s name and branding. Instead, they’ll have names such as Cashpoint, Cashzone, Euronet or Travelex. The good news is that the machine should warn you that you’ll be charged a fee (and the amount) before you complete the transaction.

3. Charges by your home bank

Many banks charge fees for using an ATM abroad. Fees and charges will vary from bank to bank, so it’s best to ask your bank about this. Also, you can expect to be charged a withdrawal fee and a foreign currency transaction fee.

How can I avoid ATM fees?

There are various ways you can avoid ATM fees, or at least reduce them. Here are a few ideas.

Use Global ATM Alliance ATM machines

German banking giant Deutsche Bank is part of the Global ATM Alliance⁴, a partnership between several well-known banks, including Barclays and Bank of America. If you’re a customer of an alliance bank, you can use other alliance banks’ ATMs worldwide without paying a withdrawal fee.

If your bank isn’t part of the alliance, it’s still worth asking if it has a relationship with a German bank that would allow you to make withdrawals for free.

Switch to a fee-free card

Some banks have cards that don’t incur foreign transaction fees. These include Charles Schwab⁵ in the US and Metro Bank⁶ in the UK. If you travel often, they might be worth looking into.

Avoid using credit cards

Credit card withdrawals are considered cash advances; and they attract expensive charges. These include a fee (3% of the amount, or even higher) and interest if you don’t make repayments on time. Whenever possible, use your debit card at ATMs.

Make larger, less frequent withdrawals

If your bank charges a flat fee per transaction, you can reduce ATM fees considerably by making one large withdrawal instead of two smaller ones. You may need to increase your daily withdrawal limit for this to be worthwhile.

And that’s it. Most likely, you won’t have trouble finding an ATM in Germany and you now know what to look for. ATMs belonging to large banks won’t charge you for a withdrawal, but look out for privately owned ATMs that have high fees.

Here is a list of the European countries that charge the highest ATM fees.

Sources used:

  1. World Bank – ATM in Germany
  2. Data Commons – Germany
  3. All About Germany – First bank account in Germany
  4. Wikipedia –Global ATM Alliance
  5. Schwab –Bank
  6. Metro Bank – Using my card abroad

Sources last checked on date: 11-Dec-2022

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

ATMs in Germany: locations, fees, and tips (2024)


Do German ATMs charge fees? ›

In Germany, ATM fees can be anywhere from €0 to €7.5. Depending on where you are, there could be even more fees! Paying extra just to get your own money can add up, so it's smart to check and pick ATMs that charge less or no fees for cash withdrawals. You can easily find such ATMs using the ATM Fee Saver mobile app!

How to avoid ATM fees in Europe? ›

How to avoid fees when using ATMs in Europe
  1. Find a bank account that doesn't charge them. Some banks—particularly digital-only ones—offer a number of free withdrawals every month.
  2. Stick to bank-owned ATMs. ...
  3. Be tactical with withdrawals. ...
  4. Pay by debit card where you can.
Jan 4, 2024

How much does Deutsche Bank charge for ATM withdrawal? ›

Deutsche Bank – Free withdrawals from Cash Group ATMs (15% of ATMs). Fee of 6€ or 1% of withdrawal amount for other ATMs.

How much do ATM fees charge? ›

In all, the average total cost of an out-of-network ATM transaction is now $4.73, which combines the average fee of $1.58 charged by one's own bank with the average surcharge of $3.15 levied by an ATM-owning bank.

How can I avoid ATM fees in Germany? ›

Germany's major banks don't charge ATM fees to foreigners. Privately operated ATMs, however, may charge high fees. You can distinguish private machines from bank ATMs because they don't have a bank's name and branding. Instead, they'll have names such as Cashpoint, Cashzone, Euronet or Travelex.

What is the international ATM withdrawal fee? ›

The fees are often 1% to 3% of the amount of a purchase or ATM withdrawal.

Which ATM to use in Germany? ›

Most ATMs in Germany accept Cirrus, Maestro (both run by MasterCard) and Visa (Plus) cards. You can confirm if an ATM is compatible by checking whether your card network's logo is on the machine. Alternatively, use the online Visa ATM Locator or MasterCard ATM locator to find the network ATM closest to you.

Is it better to exchange currency or withdraw from ATM? ›

If you exchange your money at a currency exchange, you'll pay a premium on the international spot rate, as that's how the store makes a profit. If you exchange your money through a bank or by withdrawing the local currency from an ATM, you'll likely come out ahead, even if there are ATM or credit card fees.

What ATM not to use in Europe? ›

They always have English-language instructions and work just like they do in the States. Many ATM's will have a daily withdrawal limit and you may be forced to use another cash point to get the amount of cash you need. Avoid “independent” ATMs, such as Euronet, Travelex, Moneybox, Cardpoint, and Cashzone.

Who has the cheapest ATM withdrawal fees? ›

Best Banks for Avoiding ATM Fees of 2024
  • Axos Bank: Best online bank for avoiding domestic ATM fees.
  • Connexus Credit Union: Best credit union for avoiding domestic ATM fees.
  • Chase Bank: Best national bank for avoiding domestic ATM fees.
  • Charles Schwab: Best institution for avoiding international ATM fees.
Mar 27, 2024

Can I withdraw money from Deutsche Bank ATM? ›

The ATM Cards / Debit Cards / Credit Cards / Prepaid Cards (that permit cash withdrawal) can be used at ATMs for various transactions. Please note, only Visa / Diners or Discover Cards can be used at Deutsche Bank ATMs.

Can I use my Deutsche Bank debit card abroad? ›

(1) The Deutsche Bank Card Plus and Deutsche Bank BusinessCard Direct (hereinafter referred to as the „Card“) is a debit card that is issued by the Bank and may be used by the card holder in Germany and, as an additional service, abroad as part of the Mastercard association: – at contractual merchants to make purchases ...

How to avoid ATM fees? ›

Ways to avoid ATM fees
  1. Get cash back. When you check out at a grocery store or other retailer, you'll typically have the option to get cash back with the purchase. ...
  2. Find in-network ATMs. ...
  3. Go digital with a payment app. ...
  4. Withdraw larger sums, less frequently. ...
  5. Open an account that reimburses fees.
Nov 2, 2023

Why are ATM fees so high? ›

The reason, he says, is that banks are under a lot of pressure to find income, and ATM fees are easy pickings. America's three largest banks (JPMorgan Chase, Bank of America and Wells Fargo) earned more than $6 billion from ATM and overdraft fees, according to a report by SNL Financial and CNNMoney.

What is the withdrawal fee? ›

The withdrawal fee or compensation is an amount some banks charge customers when a loan is cancelled or repaid before the agreed maturity date, either partially or in full. This represents lost earnings for the bank, with the compensation corresponding to the interest it will stop receiving.

How much does it cost to withdraw money in Germany? ›

Germany's major banks don't charge ATM fees to foreigners.

Can I take money out of ATM in Germany? ›

Once you've opened a current account, you will be issued a debit card, with which you can withdraw money from ATMs. In Germany, debit cards are often referred to as EC-, Giro- or Maestro cards. You can use EC cards to pay at most shops and restaurants.

How do ATMs work in Germany? ›

European cash machines work just like they do at home — except they spit out foreign cash instead of dollars, calculated at the day's standard bank-to-bank rate. They always have English-language instructions. Remember that you're withdrawing cash in the local currency.

Can I withdraw money from different bank ATMs in Germany? ›

In some countries, like the UK, most ATMs are free to use. But in others, you might have to pay – especially if you withdraw money from an ATM owned by a bank that you don't bank with. Germany is one example of this system. It's standard practice for people to only take cash out from ATM machines run by their own bank.

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