Travel cards compared: ATM withdrawal fees abroad

A withdrawal abroad can be charged three times over. A good card removes part of the bill, not all of it. Here is which part, and with which cards.

The three fees on a withdrawal abroad

1. The ATM operator's feeCharged by the local bank that owns the ATM. No card avoids it: only your choice of ATM matters. This is what our country pages list.

2. Your own bank's feesA fee per withdrawal and a markup on the exchange rate. Example: 2% of every withdrawal outside the euro area with a Visa Classic card at the French bank Hello bank!. This is the part a suitable card removes or reduces.

3. The conversion offered by the ATMThe ATM offers to charge you "in your own currency": this is dynamic currency conversion (DCC), at a poor rate. Always decline it and choose the local currency.

Free plans compared

Card	Who can open it	Fee-free withdrawals	Beyond that	Exchange rate
Hello bank! (Hello One) Fee schedule ›	Residents of France. Free if the card is used at least once a month, otherwise €6/month	BNP Paribas network ATMs, worldwide	Outside the euro area: 1.5%; in the euro area, other banks: €1.20 per withdrawal	No fee on payments outside the euro area, at the Visa rate
N26 (Standard) Fee schedule ›	EEA residents	2 withdrawals a month in the euro area	Outside the euro area: 1.7% per withdrawal	Card payments free worldwide
Revolut (Standard) Fee schedule ›	EEA, UK, Switzerland, US, Australia, Japan…	5 withdrawals or €200 per rolling month (whichever comes first)	2% (minimum €1)	No fee on weekdays up to €1,000/month, then 1%; 1% at weekends
Trade Republic Fee schedule ›	Residents of some EEA countries	Any withdrawal of €100 or more, worldwide	€1 per withdrawal under €100	No exchange fee announced
Wise Fee schedule ›	Most countries (card: EEA, UK, US, Canada, Australia…)	Up to €250 a month	2.69% of the amount above €250	Mid-market rate + Wise conversion fee depending on the currency

Paid plans

A subscription pays off if you often withdraw large amounts outside the euro area. For one or two trips a year, a free plan is usually enough. Wise and Trade Republic have no paid plan.

Plan	Price	Fee-free withdrawals	Beyond that	Exchange rate
Hello bank! (Hello Prime) Fee schedule ›	Free if you pay in €1,500/month, otherwise €6/month	All withdrawals, worldwide	—	No fee on payments outside the euro area, at the Visa rate
Revolut Plus Fee schedule ›	€3.99/month	€200 per rolling month	2% (minimum €1)	No fee up to €3,000/month, then 0.5%
N26 Smart Fee schedule ›	€4.90/month	3 withdrawals a month in the euro area	Outside the euro area: 1.7% per withdrawal	Card payments free worldwide
N26 Go Fee schedule ›	€9.90/month	Unlimited outside the euro area; 5 a month in the euro area	—	Card payments free worldwide
Revolut Premium Fee schedule ›	€10.99/month	€400 per rolling month	2% (minimum €1)	No monthly limit
N26 Metal Fee schedule ›	€16.90/month	Unlimited outside the euro area; 8 a month in the euro area	—	Card payments free worldwide
Revolut Metal Fee schedule ›	€16.99/month	€800 per rolling month	2% (minimum €1)	No monthly limit
Revolut Ultra Fee schedule ›	€60/month	€2,000 per rolling month	2% (minimum €1)	No monthly limit

Official fee schedules checked on October 3, 2026, for a customer living in France: amounts may differ depending on your country of residence. Banks change them regularly: check the schedule before opening an account. The ATM operator's fee applies in every case.

Three habits that matter more than the card

Before you leave, find the country's fee-free ATMs: our country pages list them. Countries ›
Withdraw less often, in larger amounts: a fixed fee weighs less on a large withdrawal.
Always choose the local currency when the ATM or card terminal offers your own.

This page is for information only and is not personalised advice. ATM Fees is not a bank and does not open accounts.

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