The United States is an easy country for paying by card, but withdrawing cash there follows its own rules — and a few specific traps. Here's everything you need to know to get dollars out without paying too much in fees.
Card or cash in the US?
Cards are accepted almost everywhere, from the small coffee shop to the big chains. Still, keep some cash for tips (often in cash, and culturally expected: around 15–20% at restaurants), small businesses, food trucks and some taxis. A modest amount is usually enough — no need to arrive with a thick wad.
The fees to watch
- The ATM operator's surcharge: this is the American specialty. Many ATMs — especially the independent machines in shops, bars, hotels and gas stations — charge a flat surcharge per withdrawal (often several dollars), shown on screen before you confirm.
- Your own bank's fees abroad (flat fee and/or percentage).
- DCC: if the screen offers to charge you in your home currency, decline and choose dollars (USD).
Our tips on the ground
- Favour the big banks' ATMs (Chase, Bank of America, Wells Fargo…): generally cheaper and safer than isolated independent machines.
- Withdraw a sufficient amount at once so you don't pay the surcharge on every withdrawal.
- Always choose USD on screen, never your home currency.
- Tell your bank about your trip to avoid any block.
Before you go
Fees vary widely from one network to another. Compare the banks and withdrawal fees on our dedicated United States page to spot the best options and arrive prepared.
👉 See withdrawal fees in the United States, bank by bank.