Finding ATMs that let you withdraw cash for free with your Wise card is one of the biggest challenges for travelers, digital nomads, and expats. Wise already offers some of the lowest international withdrawal fees, but depending on the country and the ATM operator, you may still encounter additional charges. These fees can vary widely — from completely free to €3–€6 per withdrawal or more
This guide brings together:
From May 2026, Wise lets users withdraw up to €250 per month from ATMs without Wise fees, removing the previous two-withdrawal limit and the €0.50 fixed fee per transaction.
All user-reported ATM data in this guide comes from community submissions and may change over time. If you’ve recently withdrawn cash with your Wise card, please share your experience in the comments — which ATM charged a fee, which one didn’t, and where?
Your input helps us keep this resource accurate, up-to-date, and genuinely useful for everyone.
Always read the ATM screen carefully before confirming a withdrawal, and never accept currency conversion offered by the ATM.
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Wise ATM Withdrawal Fees Explained
Wise keeps its withdrawal fees simple, but there are two fee components every user should understand:
(1) how many withdrawals you make, and (2) how much you withdraw.
Below is a clear breakdown of how the system works.
Free Withdrawals per Month
Wise allows users to withdraw up to €250 per month from ATMs without Wise fees, starting from May 2026. The previous limit of two free withdrawals up to €200 has been replaced with a single monthly allowance, and the fixed €0.50 withdrawal fee has been removed.
Fixed Fee After Free Withdrawals
Once you make more than two withdrawals in the same month, Wise charges a fixed fee for each additional withdrawal.
Example:
If your card’s fixed fee is €0.50, you will pay that amount whether you withdraw €20 or €200.
This is why Wise recommends fewer, larger withdrawals instead of many small ones.
Variable Fee Above Your Free Allowance
If you exceed your €200/£200 monthly allowance, Wise charges a variable percentage fee for the amount above the limit.
Example for cards issued in the EEA:
- Variable fee: 1.75%
- Withdrawal of €300 → €100 exceeds the allowance → fee = €1.75
This applies regardless of how many withdrawals you’ve made.
How to Check Your Own ATM Fees & Limits
Fees depend on where your Wise card was issued, which is tied to your registered address. To view your personal allowances:
On the Wise App
- Go to Card
- Tap Your spending limits
- Review your daily & monthly ATM limits
- Tap View ATM fees to see your free allowance and reset date
On Web
- Go to Card
- Select Your spending limits
- Review limits
- Select View ATM fees
You can also check the region-specific fees via Wise’s Pricing page (top right corner → choose your country).
Important Notes on Wise Card Fees
- Wise fees apply per account, not per card
- Third-party ATM fees count toward your allowance
- Even unsuccessful withdrawals may reduce your free monthly limit
- If you change your country of residence and order a new card, your limits update to the new region
💬 Help us improve this guide
Have you noticed changes in Wise ATMs fees in your region?
Have you been charged unexpectedly — or discovered a truly free ATM?
👉 Share your experience in the comments below.
Your feedback helps keep this guide accurate and up-to-date for all travelers.
Tips to Avoid Paying Extra ATM Charges
Even when Wise gives you two free withdrawals each month, the ATM operator can still add its own fee. These surcharges can range from €1 to €7 depending on the country — or even higher in tourist areas.
Here’s how to minimise your costs and avoid traps.
New to Wise? Read our full, in-depth Wise Review
Before you sign up, check out our comprehensive Wise review.
We cover:
– Fees
– Security
– ATM policies
– Pros & cons
– How it compares to Revolut, N26, Curve, PayPal, and more
Read the full Wise Review
Always Decline Currency Conversion (DCC)
This is the single biggest rule when withdrawing with Wise.
Many ATMs try to “help” by offering to convert the withdrawal into your home currency.
This is called Dynamic Currency Conversion (DCC) — and it’s almost always a scam.
- Never accept conversion
- Always choose Local Currency (EUR, USD, GBP, THB, MXN, etc.)
- Do NOT choose “Debit in your home currency”
Accepting DCC can add 5–15% hidden markup to your withdrawal. Wise already gives you the mid-market rate — let Wise do the conversion, not the ATM.
Minimise the Number of Withdrawals with your Wise Card
Because the fixed fee applies after your two free monthly withdrawals, Wise recommends:
- Make one larger withdrawal instead of many small ones
- Avoid cash unless absolutely necessary
- Use contactless payments whenever possible
Small daily withdrawals can burn through both your free allowance and the fixed-fee threshold very quickly.
Watch for ATM Operator Fees
Even if Wise doesn’t charge you, the ATM owner might.
- These fees appear on the ATM screen before confirming
- If you see a fee → Cancel and try another ATM nearby
- Fees vary by brand, even within the same country
- Tourist hotspots often have the highest ATM fees
Tip: Look for ATMs inside bank branches, not stand-alone Euronet-style machines.
PIN Troubleshooting Tips
Some countries require a different PIN format:
- If asked for a 5- or 6-digit PIN → add zeros at the end
- Example: PIN 4321 → enter 432100
- Malaysia exception: add zeros at the beginning
- If asked “Credit or Debit?”
- Most countries: Debit
- Singapore, Australia, New Zealand: choose Credit if debit isn’t available
These quirks can make the difference between a successful or failed withdrawal.
Avoid Checking Your Balance at the ATM
Balance checks are:
- Often inaccurate
- Sometimes charged by the ATM operator
- Not supported at all for Wise cards issued in the US
Use the Wise app instead — it’s real-time and free.
💬 Help us keep this advice up to date
Have you spotted ATMs that now charge fees — or ATMs that used to charge but are now free?
👉 Leave a comment below with what you found, the country, the bank name, and the fee (if any).
This helps the entire community avoid surprise charges.
Free ATMs by Country (User-Reported)
This list is based on community submissions and includes ATMs where users have successfully withdrawn cash without being charged a local ATM fee.
Information is not verified, may change at any moment, and can vary between ATM machines — even within the same bank.
ℹ️ Always read the on-screen fee notice before confirming a withdrawal.
ℹ️ Decline currency conversion (DCC). Choose “local currency” instead.
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If you haven’t tried Wise yet, you’re missing out on one of the best travel cards available today.
You get:
- Free digital card
- Local accounts in multiple countries
- Real exchange rate (no markups)
- Cheap ATM withdrawals worldwide
- Full control from the app
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It takes just a few minutes — and can save you money on every trip.
Where to Withdraw Cash with Wise in the UK Without ATM Fees
Most ATMs in the United Kingdom operated by major banks — such as Barclays, Lloyds, NatWest, and HSBC — allow withdrawals with a Wise card without adding a local ATM surcharge. However, some independent machines in convenience stores, tourist areas, or transport hubs may charge additional fees, so always check the on-screen message before confirming the withdrawal.
Where to Withdraw Cash with Wise in the United States Without ATM Fees
In the United States, many bank ATMs work with Wise cards, but local ATM operators often charge a surcharge of around $2–$4 per withdrawal. Some users report lower or no fees at machines from banks such as PNC Bank, Santander, or certain credit unions, while large networks like Chase or Bank of America frequently add a fee.
Many users search for “free Wise ATM UK” or “Wise ATM withdrawal USA” when trying to avoid local ATM fees.
Albania
✔️ Credins Bank
⚠️ Avoid: Raiffeisen Bank, Intesa Sanpaolo, OTP, Union Bank (unclear/reported fees)
Andorra
✔️ ANDBANK
✔️ Morabanc (Mastercard)
Australia
✔️ ANZ Bank
✔️ National Australia Bank (NAB) — select “Savings”
✔️ rediATM
Austria
✔️ Bank Austria / UniCredit
✔️ Bankhaus Carl Spangler
✔️ Bawag / PSK
✔️ Erste Bank
✔️ Hypo Tirol
✔️ Sparkasse
✔️ Volksbank Tirol AG
⚠️ Avoid: Raiffeisen Landesbank Tirol (5 EUR fee), BTV Bank
Belarus
✔️ Belinvestbank
Belgium
✔️ ING
✔️ KBC
⚠️ Avoid: BNP Paribas Fortis (often rejects Mastercard)
Bolivia
✔️ BancoFie
✔️ Banco Pyme Ecofuturo
Bosnia & Herzegovina
✔️ Addiko Bank
✔️ Nova Banka
✔️ Sberbank
✔️ UniCredit
⚠️ Avoid: Intesa (6 BAM), Sparkasse (7 BAM), Raiffeisen (8 BAM)
Brazil
✔️ Banco do Brasil (Visa + MC)
✔️ Bradesco (Visa only)
⚠️ Avoid: Itaú (rejects Visa)
Bulgaria
✔️ DSK Bank
✔️ Central Cooperative Bank
✔️ United Bulgarian Bank (UBB)
✔️ Fibank
✔️ SG Expressbank
✔️ Eurobank
✔️ Postbank
✔️ ProCredit Bank
✔️ Tokuda Bank (MC)
⚠️ Avoid: Raiffeisen (3 EUR)
Cambodia
⚠️ No free ATMs, but useful to note:
Maybank and Canadia typically charge $5 per withdrawal
Canada
✔️ Alterna Savings (Visa)
✔️ Tangerine
⚠️ Avoid: TD Canada Trust (3 CAD)
Chile
✔️ Scotiabank (Visa/MC, not “Scotiabank Azul”)
✔️ BICE Bank
✔️ Itaú
⚠️ Avoid: Banco de Chile, Santander, Banco Estado (5,000–6,500 CLP)
China Mainland
✔️ Bank of China (Visa)
✔️ CITIC (Visa)
✔️ ICBC (Visa)
✔️ China Construction Bank (Visa)
⚠️ Mastercard acceptance inconsistent
Colombia
✔️ BBVA
⚠️ Avoid: Bancolombia, Servibanca (12,000–14,500 COP), Davivienda (DCC risk)
Costa Rica
✔️ BAC Credomatic
✔️ Banco Nacional
Croatia
✔️ Euronet (Visa only)
✔️ Addiko Bank
✔️ Auro Domus
✔️ Erste Bank
✔️ Kent Bank
✔️ OTP Bank
✔️ PBZ
✔️ Raiffeisen
✔️ Sberbank
✔️ Zagrebačka banka (decline DCC: “Bez konverzije valute”)
Also:
✔️ POS cash withdrawal at Tisak, Konzum, Hrvatska Pošta (mixed reports)
Cyprus
✔️ Alpha Bank
✔️ Bank of Cyprus
✔️ Helleniki Bank
Czech Republic
✔️ Airbank
✔️ ČSOB
✔️ Fio
✔️ Komerční banka
✔️ Raiffeisen
✔️ UniCredit
⚠️ Avoid: Česká spořitelna (125 CZK), Moneta (195 CZK)
Denmark
✔️ Nordea
✔️ Nordjyske Bank
⚠️ Avoid: Danske Bank
Dominican Republic
✔️ Jumbo ATMs (Visa)
⚠️ Mastercard often not accepted
Ecuador
✔️ Banco del Austro
✔️ Cajeros JEP
✔️ Produbanco (MC)
⚠️ Others may charge $1.50–$3
France
✔️ Any major bank ATM (Visa or MC usually free)
Gabon
⚠️ NOTE: Gambia-like cash society – many fees
(but no verified “free” ATMs → skipped under Option A)
Germany
✔️ Baden-Württembergische Bank
✔️ Commerzbank
✔️ Deutsche Bank
✔️ HypoVereinsbank
✔️ Landesbank Baden-Württemberg (LBBW)
✔️ Postbank
✔️ Santander
⚠️ Sparkasse: policies vary by region
Greece
✔️ Attica Bank
✔️ Bank of Chania
⚠️ Many ATMs charge €2–€4 (incl. Euronet, Piraeus, HSBC)
Guatemala
⚠️ Avoid only (no free ATMs) → skipped (Option A rules)
Hong Kong
✔️ Citibank
✔️ HSBC
✔️ Hang Seng
Hungary
✔️ All major banks (UniCredit, OTP, Erste, etc.) generally free
India
✔️ State Bank of India
✔️ Kasturba Bank
✔️ RBL Bank
✔️ Yes Bank
✔️ Bank of Baroda
⚠️ Avoid: ICICI, IndusInd, HDFC, Infusing Bank
Indonesia
✔️ CIMB
✔️ Maybank
✔️ Bank BCA
Ireland
✔️ AIB
✔️ Bank of Ireland
Israel
✔️ Bank Mizrahi-Tefahot
✔️ Discount Bank
Italy
✔️ Banca Carige
✔️ Banca Popolare di Sondrio
✔️ BNL
✔️ BPM Bank
✔️ Cariparma
✔️ Poste Italiane
✔️ Raiffeisen
✔️ Sparkasse
✔️ Volksbank
⚠️ Avoid: Intesa Sanpaolo (3 EUR fee), UniCredit (5 EUR fee)
Japan
✔️ 7-Eleven (MC only, partial Visa support)
✔️ Postbank
✔️ CityBank
✔️ Mizuho
Kazakhstan
✔️ Sberbank
Kenya
✔️ Diamond Trust Bank
✔️ Equity Bank
✔️ Watamu Bank (MC)
Kosovo
✔️ BKT — free (Mastercard)
⚠️ Avoid: Raiffeisen (€5 fee)
Kuwait
✔️ BBK Burgan Bank
✔️ National Bank of Kuwait (NBK)
Kyrgyzstan
✔️ Demir Bank
✔️ Optima Bank
Latvia
✔️ Citadele
✔️ Luminor
✔️ SEB
✔️ Swedbank
Macedonia (North Macedonia)
✔️ Halkbank
✔️ Ohridska Banka
✔️ Sparkasse
✔️ Stopanska Banka
Malaysia
✔️ BSN
✔️ CIMB
✔️ Maybank
⚠️ Avoid: RHB
Malta
✔️ Bank of Valletta (BOV)
✔️ HSBC
Montenegro
✔️ Crnogorska Komercijalna Banka
Morocco
✔️ Al Barid Bank
✔️ Banque Populaire
✔️ BMCE (Visa)
✔️ BMCI
⚠️ Avoid: Attijariwafa, CIH, Société Générale
Nepal
✔️ Everest Bank
✔️ Kailash Bikas Bank
✔️ Nepal Bank Limited
⚠️ Many other banks now add fees
Netherlands
✔️ ABN Amro
✔️ ING
✔️ Rabobank
✔️ SNS
New Zealand
✔️ Westpac
⚠️ Avoid: ANZ, BNZ, ASB, Kiwibank, NBS
Nigeria
✔️ Access Bank
✔️ Diamond Bank
✔️ UBA
Oman
✔️ Bank Dhofar
✔️ Bank Muscat
Peru
✔️ BCP (Visa & MC)
✔️ Multired ATMs
⚠️ Avoid: BBVA (25 PEN)
Philippines
✔️ HSBC (rare but free)
⚠️ BDO & BPI usually charge but support withdrawals
Poland
✔️ Global ATM
✔️ Pekao
✔️ PKO BP
✔️ Santander
✔️ Euronet (Visa only)
Portugal
✔️ Millennium BCP
✔️ Multibanco (generally free)
Romania
✔️ Banca Transilvania
✔️ BCR
✔️ BRD
✔️ CEC Bank
✔️ ING
✔️ OTP Bank
✔️ Raiffeisen
Russia
✔️ Bank Otkritie
✔️ BIN Bank
✔️ VTB
Rwanda
✔️ I&M Bank
Serbia
✔️ Addiko Bank
✔️ AIK Banka
✔️ Erste Bank
✔️ Multicard ATMs
⚠️ Avoid: Raiffeisen (500 RSD), Vojvođanska (500 RSD)
Singapore
✔️ UOB
Slovakia
✔️ Postova Banka
✔️ UniCredit
✔️ Tatra Banka
✔️ VUB
✔️ Prima Banka
⚠️ Avoid: Slovenská sporiteľňa
Slovenia
✔️ UniCredit
⚠️ Avoid: Abanka (4 EUR)
South Africa
✔️ Capitec
⚠️ Many others charge ~50 ZAR
Spain
✔️ Arquia Banca
✔️ Banca March
✔️ Bankinter (historically free, mixed reports now)
✔️ CaixaBank (Visa only if selecting “Checking Account”)
✔️ Deutsche Bank
✔️ ING (older reports free)
✔️ La Caixa
✔️ Liberbank
✔️ Telebanco
✔️ Unicaja
⚠️ Avoid: Sabadell, Bankia, Santander, Targobank, BBVA
Sri Lanka
✔️ Nations Trust Bank
✔️ Bank of Ceylon
Switzerland
✔️ Any ATM (Raiffeisen, UBS, etc.) — generally free
Taiwan
✔️ Bank of Taiwan
✔️ Cathay Bank
✔️ SinoPac
Tanzania
✔️ KCB Bank
⚠️ Avoid: Barclays, NBC ATMs
Turkey
✔️ Akbank
✔️ ING
✔️ Ziraat Bank
⚠️ Avoid: Garanti (3.5%), TEB (4 TRY)
Uganda
✔️ DFCU
✔️ Orient Bank
Ukraine
✔️ KredoBank
✔️ Oschadbank
✔️ Ukrsibbank
⚠️ Avoid: Ukreximbank, PrivatBank (DCC pushy)
United Arab Emirates
✔️ Abu Dhabi Commercial Bank
✔️ Emirates NBD
⚠️ Avoid: Standard Chartered (25 AED)
United Kingdom
✔️ Most major bank ATMs (Barclays, Lloyds, NatWest) generally free
United States
✔️ PNC Bank
✔️ Santander (specific branches)
✔️ Sun East Credit Union
✔️ Wells Fargo (not NYC)
✔️ WSFS
⚠️ Avoid: Chase, Bank of America, Citibank (3 USD fees) and Wells Fargo Bank (~5 USD)
Uruguay
✔️ BROU (Visa)
⚠️ Others (Redbrou, BBVA) charge 100–199 UYU
Uzbekistan
✔️ Kapital Bank
Vietnam
✔️ HSBC
✔️ ACB
✔️ MB Bank
✔️ SCB
✔️ VP Bank
💬 Help Us Keep This Wise ATMs List Updated
ATM fees change frequently — and user experiences vary a lot.
If you found:
- an ATM that is free
- an ATM that now charges a fee
- an ATM with aggressive DCC
👉 Share it in the comments below with the country, bank, location, and card type (Visa/MC).
We update this guide continuously using real user reports.
How to Find ATMs Near You
Even if you already know which banks tend to offer free withdrawals, it can still be difficult to locate the right ATM — especially in a new city. Fortunately, there are reliable tools you can use to quickly identify major bank ATMs, avoid high-fee machines, and reduce the risk of running into “tourist trap” ATMs like Euronet.
Below are the best methods to locate safe, trustworthy ATMs worldwide.
Use the Mastercard ATM Locator
Most Wise cards are Mastercard, and Mastercard’s official locator is one of the most accurate tools globally.
- Search by city, street, or current location
- Filter for 24/7 ATMs, branch ATMs, and more
- Results usually include bank name, branch type, and accessibility
Search “Mastercard ATM Locator” in your browser.
Use this especially in countries where fees vary widely (Spain, Greece, Thailand, USA).
Use the Visa ATM Locator
If your Wise card is a Visa or you want to double-check ATM networks, Visa’s database is excellent.
- Includes thousands of ATMs not listed elsewhere
- Often more accurate in Asia and Latin America
- Shows if the ATM is inside a branch or standalone
Search “Visa ATM Locator” in your browser.
Prefer ATMs Inside Bank Branches
ATMs inside physical bank branches are much more likely to:
- Avoid surcharges
- Offer proper “local currency” withdrawal options
- Have fewer DCC tricks
- Provide better security (camera-covered, well-lit)
Try to avoid stand-alone ATMs in:
- Tourist areas
- Airports
- Convenience stores
- Train stations
- Shopping malls
Euronet and similar networks often appear in these locations and are known for high fees.
Search “ATM <bank name> near me” on Google Maps
Google Maps can be surprisingly effective for identifying the exact ATM brand where you want to withdraw.
Examples:
- “ATM ING near me”
- “ATM Pekao near me”
- “ATM Santander free withdrawal Wise”
- “ATM Multibanco Lisbon”
You can also check reviews, as many users mention:
- “No fee for foreign cards”
- “Charges 3 EUR fee”
- “Beware DCC conversion trap”
This can save you both time and money.
Ask locals or hotel reception
Especially in countries with mixed ATM policies (Thailand, Morocco, Mexico, Greece), hotel staff and locals often know:
- Which banks charge fees
- Which nearby ATMs are safe
- Which ATMs tend to reject foreign cards
It takes 10 seconds and can spare you several euros in fees.
Carry a backup digital card
Sometimes a Wise card works at certain ATMs while another card (i.e. a Revolut card) works elsewhere.
Having at least two digital cards improves your chances of finding a free withdrawal option — especially in regions where ATM networks behave inconsistently.
How ATM Fees Interact With Wise Fees
When you withdraw cash with your Wise card, two different types of fees may apply:
- Wise’s own withdrawal fees
- ATM operator fees charged by the bank that owns the machine
Understanding how these fees interact helps you avoid unnecessary charges and make the most of Wise’s free allowance.
ATM Operator Fees Count Toward Wise’s Allowance
Many users don’t realize that third-party ATM fees count toward your monthly Wise withdrawal limit.
This means:
- If an ATM charges you a €3 fee, the entire withdrawal amount still counts toward your €200 free allowance.
- Even if Wise does not charge you, the ATM’s surcharge will still reduce your remaining limit.
Example
You withdraw €150 at an ATM that charges a €3 fee:
- Wise counts €150 toward your €200 monthly allowance.
- Your remaining monthly free amount becomes €50.
- Wise will not charge you (still under allowance), but the ATM did.
Fixed Wise Fee Applies After 2 Free Withdrawals
You get two free withdrawals per month.
A third withdrawal — even for a small amount like €20 — will trigger Wise’s fixed fee (e.g., €0.50).
Example
- Withdrawals: €20 → €30 → €40
- Wise charges its fixed fee on the third withdrawal, regardless of the amount.
This is why larger, less frequent withdrawals are usually better.
Variable Wise Fee Applies Above €200 / £200
If your monthly withdrawals exceed the free amount (usually €200), Wise charges a percentage fee on the amount above the threshold.
For EEA-issued cards, that’s 1.75%.
Example
- You withdraw €300 in total this month
- First €200 = free (from Wise’s side)
- Remaining €100 → 1.75% fee = €1.75
Important: This variable fee applies even if you are still within your two free withdrawals.
Unsuccessful Withdrawals with your Wise Card May Still Count
If an ATM:
- Cancels the transaction
- Fails to dispense cash
- Rejects the card after PIN entry
Wise may still count the attempt toward your withdrawal count or free allowance.
This is because some ATMs “reserve” the withdrawal amount during processing.
If the ATM fails to return your money, contact the ATM’s bank AND Wise support.
Multiple Wise Cards = One Shared Allowance
If you have:
- A physical Wise card
- A digital Wise card
- A replacement card
These do not provide separate allowances.
Wise applies the withdrawal limits per account, not per card.
Moving to Another Country Changes Your Limits on Wise
If you update your Wise registered address and order a new card, your withdrawal fees change to match the rules of your new region.
This is useful for long-term travelers and expats, but:
- The change does not apply until a new card is issued
- Old card fees remain in place until then
Frequently Asked Questions (FAQ) about Wise ATMs
Below are the most common questions users have about withdrawing cash with their Wise card. These answers combine official Wise documentation with real-world traveler experience.
💬 Do you have a question that wasn’t answered?
Ask below — or share your ATM experience so we can update the guide.
Your comments help us build the most accurate and useful “Wise free ATM list” online.
Disclaimer
The information in this guide is compiled from:
- Official Wise documentation
- Real user reports submitted through public communities
- Personal experiences from travelers and cardholders
- Data contributed directly by readers of this article
While we constantly update and review this content, ATM fees and withdrawal policies can change at any time. Banks may:
- Add or remove withdrawal fees
- Update their ATM software
- Change limits, availability, or card acceptance rules
- Introduce new Dynamic Currency Conversion (DCC) practices
- Block or restrict foreign cards without notice
Because of this, we cannot guarantee that any ATM listed as “free” will remain free — or that it will work with every Wise card (Visa/Mastercard, EEA-issued, UK-issued, US-issued, etc.).
Before confirming any transaction:
- Always read the on-screen message carefully
- Decline currency conversion (DCC)
- Check for the presence of a local ATM operator fee
- Cancel the transaction if a fee appears unexpectedly
We are not responsible for:
- Any fees charged by ATMs
- Denied, incomplete, or canceled withdrawals
- Cash not dispensed by the ATM
- Issues arising from incorrect or outdated information
This article is provided for informational purposes only.
Users should verify withdrawal fees directly in the Wise app, on Wise’s official pricing page, or with the ATM operator.
Final Thoughts on Free Wise ATMs
Withdrawing cash abroad can be confusing — different banks, different networks, hidden fees, surprise currency conversions, and machines that behave unpredictably.
The good news? Wise gives you some of the lowest withdrawal fees on the market, and with the right information, you can avoid most ATM surcharges around the world.
In this guide, we combined:
- Official Wise rules and withdrawal limits
- Practical tips to avoid ATM operator fees
- A global list of user-reported free ATMs
- Real-world insights from travelers across dozens of countries
Still, ATM policies change fast. What was free last month might no longer be free today. That’s why this page will continue to grow and evolve — and your contribution matters.
Share your experience with your wise card abroad and help other travelers
If you recently withdrew cash with your Wise card, let us know:
- Country
- Bank / ATM brand
- Card type (Visa or Mastercard)
- Exact fee (if any)
- Anything unusual (DCC, PIN issues, rejection, daily limits, etc.)
👉 Comment below and help us keep this guide up to date.
Your input helps thousands of travelers avoid unnecessary fees.
Travel smart. Spend smart. Withdraw smart.
With the right card — and the right ATMs — you can save a lot of money on fees.
Wise is already one of the best tools for travelers.
This guide helps you make the most of it.
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