In a sense, there are times where your money can even cost you money and this tactic is far too familiar within the bandwidth of ATMs. When you use a Banking ATM that is outside of the network that the banking establishment you are with, then you can accrued a fair share of fees attached even if you are just making simple inquiries like deposits or withdraws.
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Table of Contents
ATM Fees In-Detail:
Banks can charge non-customers well-around $1.50 to $3.50 at their ATMs, but what you need to watch out for is those non-bank ATM operators which can charge you well over $10 per transaction if they wanted to. With a fair share of casinos, concerts and events I’ve experienced, I also come across that one occasion where I just didn’t have cash on me, leaving myself unprepared and vulnerable to the steep prices an ATM fee can accrued, leaving me desperate and resorting to paying such a nasty fee. Let’s not forget that your home-bank may also charge you a “non-network ATM fee” for using an ATM operated by another bank or institution ranging around a notable $2.00 and $3.50, varying between banks.
Lowest International ATM Fees Offered:
Capital One 360
- Capital One 360 is among the few that offers customers no flat fees nor any foreign transaction fees when using their debit cards abroad. Be mindful that Capital One strays differently from 360. Those who have applied with Capital One through their physical branches could be subject to standard foreign transaction fees. Be sure to check out our master post of Capital One 360 Bonuses as well!
- Withdrawing cash with CitiBank at a CitiBank-branded foreign ATM will accrued you no additional fees. However, Customers that bank with CitiBank will have to pay a $2 foreign transaction fee + 3% conversion charge on out-of-network ATMs. Now, CitiBank does occasionally offer pretty nice sign-up bonuses on their products as well as an extended network that even reaches abroad. Be sure to check out our master post of CitiBank Bonuses as well!
- Discover allows their customers to use foreign ATMs via their debit card and even make purchases abroad with no fees attached. However, even though their network has expanded quite a bit and still is… Discover Bank’s cards can be limited to certain locations outside the United States. If you’re looking forDiscover Bank Promotions, then look no further!
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• Bonus offer applies for your first Discover Online Savings Account
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• Fund your first savings account with a minimum of $15K by July 15, 2019 to earn the $150 Bonus
• Earn high interest rate of 2.10% APY
• No minimum opening deposit, no minimum balance requirement, and now no fees
• Interest on Discover Online Savings Accounts is compounded daily and credited monthly
• Manage your account online or with the Discover mobile app
• FDIC insurance up to $250,000
See advertiser website for full details
Charles Schwab Bank
- With a Schwab High Yield Investor Checking account, you will get reimbursement for any ATM fees you accrued from cash withdrawals worldwide. There are no monthly service fees, you’ll earn interest on your balance, and your account is FDIC-insured.
- USAA Bank offers to refund up to $15 of other banks’ ATM usage fee each month. On top of that, they do not charge a fee for the first 10 ATM withdrawals. Keep in mind that charges after that will accrued a $2.00 fee. Also, there’s a 1% foreign transaction fee applicable to withdrawals outside of the US.
|National Banks||Non-network ATM Fee||International ATM Fee||ATM Operator Fee (charged to non-customers)||Foreign Purchase Fee|
|Bank of America||$2.50||$5 and 3%||$3.00||3%|
|BB&T||$2.50||$5 and 3% *Texas accountholder no $5 fee||$2.50||3%|
|BBVA Compass||$2.00||$3 + 1% *flat feewaived w/ portfolio checking||$2.00||3%|
|BMO Harris||$2.50||$3 of amount *fees waivable||$3.00||3%|
|Chase||$2.50||$5 and 3% *flat fee waived w/ Premier Platinum*||$3.00||3%|
|Citibank||$2.50||$2 and 3% *waived w/ Citigold debit card||$3.00||3%|
|Citizens Bank||$3.00||2% *No ATM fee w/ first relevant transactions||$3.00||up to 1.8%|
|Fifth Third Bank||$2.00||$5 and 3%||$1.50-3.50||3%|
|KeyBank||$2.50||$2.50 and 1%||$2.50||3%|
|HSBC||$2.50||3% of amount *Waived with Premier||3%|
|M&T Bank||$3.00||$3 and 3%||$3.00||Higher value: $5 or 3%|
|PNC Bank||$3.00||$5 and 3%||$3.50||3%|
|Regions Bank||$2.50||$5 and 3%||3%|
|Santander||$2-3.50||$6 and 4%||$3.00||4%|
|Union Bank||$2.00||$5 and 2% *waive w/ Priority Banking or Private Advantage||$3.00||2% *waived w/ Private Advantage|
|US Bank||$2.50||$2.50 + 3% *No ATM fee for Premium and Platinum checking||$3.50||3%|
|Wells Fargo||$2.50||$5 and 3%||$3.00||3% of value|
ATM fees can stack up, especially when you’re abroad or nowhere near your home-bank where you have to resort to swiping your card into ATM fee hoard. If you’re ever in this situation, I definitely recommend owning a Capital One 360 checking considering that there’s no fees, whatsoever.
Note that it’s also worth a try talking to your bank prior to travelling abroad considering that some banks do waive those fees if you’re a premium or just loyal customer that consistently carry a balance. ATM fees are unnecessary and if you have a bank in mind that offers little to no ATM fees, then be sure to give us a holler in the comment section! We’d really appreciate it. See our complete list of Bank Deals for all your banking needs!