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((Short description|Fees charged for ATM use))
((Multiple issues|
((more citations needed|date=October 2011))
((Update|inaccurate=yes|date=August 2023))
))

'''ATM usage fees''' are the fees that many banks and [[interbank network]]s charge for the use of their [[automated teller machine]]s (ATMs). In some cases, these fees are assessed solely for non-members of the bank; in other cases, they apply to all users.  There is usually a higher fee for use of [[White-label ABMs|White-label ATMs]] rather than bank owned ATMs.

Two types of consumer charges exist: the surcharge and the foreign fee. The surcharge fee may be imposed by the ATM owner (the ''bank'' or [[Independent ATM deployer]]) and will be charged to the consumer using the machine. The foreign fee or transaction fee is a fee charged by the card issuer (financial institution, stored value provider) to the consumer for conducting a transaction outside of their network of machines in the case of a financial institution.

==Oceania==

===Australia===
A number of ATM networks are operated in Australia, the largest are: [[Commonwealth Bank]] / [[Bankwest]] network with 3,400 machines, [[Westpac]] / [[St George Bank]] / [[BankSA]] / [[Bank of Melbourne (2011)|Bank of Melbourne]] with 2,800 machines, [[Australia & New Zealand Banking Group|ANZ]] with 2,300 machines, the [[rediATM]] network  with 1,800 machines, and [[National Australia Bank]] with 900 machines,<ref>((cite web|url=https://www.smh.com.au/business/banking-and-finance/banks-cull-atms-as-more-customers-ditch-cash-20190118-p50s5j.html|title=Banks cull ATMs as more customers ditch cash|first=Clancy|last=Yeates|date=27 January 2019|website=[[Sydney Morning Herald]]|access-date=14 April 2019))</ref> The ATMs of CommBank, Westpac, ANZ, NAB and others are free to use. [[ING Australia]], which does not operate its own ATMs nor have a branch network, reimburses any ATM fees of customers who deposit A$1,000 per month as part of a [[loyalty program]].<ref>((cite web |url=http://mozo.com.au/bank-accounts/information/ing-direct/Orange-Everyday/4112 |title=MOZO: ING DIRECT Orange Everyday |author=<!--Staff writer(s); no by-line.--> |website=MOZO |publisher=Mozo Pty Ltd |access-date=12 May 2015))</ref> Australians made more than 250 million ATM withdrawals from banks other than their own in 2016.<ref name=smh240917>((cite web|url=https://www.smh.com.au/business/consumer-affairs/westpac-anz-ditch-atm-fees-in-wake-of-cba-move-20170924-gynooq.html|title=Australia's big four banks have ditched ATM fee|first=Deborah|last=Snow|date=24 September 2017|website=[[Sydney Morning Herald]]|access-date=14 April 2019))</ref>

In September 2017, the "Big Four" banks announced they would be abolishing non-customer ATM usage fees. The Commonwealth Bank was the first to make the announcement, shortly followed by the three other major banks; ANZ, NAB and Westpac. The [[rediATM]] network charges up to A$2.50 for domestic cards and A$5.00 for international cards.<ref>((Cite news|url=https://www.abc.net.au/news/2017-09-24/commonwealth-bank-and-westpac-axe-atm-fees-for-non-customers/8979250|title='The game is up': Big four banks drop their ATM withdrawal fees|date=2017-09-24|work=[[ABC News (Australia)|ABC News]]|access-date=2018-11-18|language=en-AU))</ref>

==Americas==

===Brazil===
In Brazil, banks such as [[Caixa Econômica Federal]], [[Banco do Brasil]], [[Banco Bradesco]], [[Banco Itaú]] and [[Banco Santander (Brasil) S.A.|Banco Santander]] operate their own nationwide ATM networks. These ATMs can be found in many locations such as the bank branch itself, kiosks spread throughout a city or even supermarkets, gas stations, shopping malls and post offices, making it very convenient for the customer to make withdrawals and check balances without incurring any fees. There are also no denial fees (i.e. when trying to withdrawal more money than what's available in an account) as Brazilian businesses cannot charge for services not rendered. However, fees are assessed if there is excessive usage of the ATMs (i.e. one makes more withdrawals than what's allowed by their monthly maintenance fee). Fees and limits can be checked at the Brazilian Banking Federation (Febraban) [http://www.febraban-star.org.br/ website] ((Webarchive|url=https://web.archive.org/web/20160521021145/http://www.febraban-star.org.br/ |date=21 May 2016 )).

Brazilian banks have several partnerships in place in order to extend their coverage:

*Correspondente bancário (banking agent) - a partnership with an establishment, who then use a small wireless ATM (much like a wireless [[EFTPOS]]) to process transactions for the bank, such as payments, deposits, and withdrawals. Use of a banking agent normally does not generate any fees. However, fees are assessed if there is excessive usage of the ATMs (i.e. one makes more operations than what's allowed by their monthly maintenance fee).

*Interbank network - there are ATM interbank networks such as [[Banco24Horas]] that not generate charges fees for use. However, fees are assessed if there is excessive usage of the ATMs (i.e. one makes more operations than what's allowed by their monthly maintenance fee).

*Cash withdrawal with a Visa debit card - Brazilian acquirer Cielo (formerly known as VisaNet) offers Visa debit card holders an option to withdrawal a small amount of cash (up to R$100, approx. US$30) when paying for merchandise at any Visa-accepting store. Store owners then hand over the money to the customer at the checkout. While the purchase itself generates fees for the business (like any other credit or debit card transaction), the money withdrawal does not, and is reimbursed in full.

===Canada===
A short description of the fee structure one experiences while using Canadian ATMs can be found at the [[Interac]] website,<ref>((cite web|url=http://www.interac.org/en_n2_22_fees.html |title=At the ABM: Fees |access-date=2006-08-11 |url-status=dead |archive-url=https://web.archive.org/web/20061005015143/http://www.interac.org/en_n2_22_fees.html |archive-date=5 October 2006 ))</ref> while the [[Financial Consumer Agency of Canada]] maintains a chart of the fees typically charged for use of ATMs in Canada.<ref name="Canadian ATM fees"/>

There are two main ATM networks in Canada:

*Interac ATMs - Most Canadian financial institutions are members of [[Interac]], a multi-bank ATM network founded by [[Royal Bank of Canada|RBC]], [[Canadian Imperial Bank of Commerce|CIBC]], [[Scotiabank]], [[Toronto-Dominion Bank|TD]], and [[Desjardins Group]] in 1984. Before the presence of [[White-label ABMs in Canada|white-label ATMs]], most Canadian customers were only charged the standard [[Interac]] network transaction fee when a customer was using an ATM not provided by the bank that held their account. As the Interac network was opened up to more independent sales organizations (ISOs) and the potential for additional revenue from service fees were made available, most banks elected to impose the service fee in addition to the revenue that was generated from the Interac fee.<ref>[http://www.cbc.ca/consumers/market/files/money/atm/index.html CBC Marketplace: ATM Fees] ((webarchive |url=https://web.archive.org/web/20060307060306/http://www.cbc.ca/consumers/market/files/money/atm/index.html |date=7 March 2006 ))</ref>

*[[The Exchange (Canada)|The Exchange]] is a multi-bank ATM network. It originated in the northwestern [[United States]] before expanding to Canada in 1983. As of 2017, many Canadian [[Credit unions in Canada|credit unions]], along with [[Alterna Savings|The Alterna Bank]], [[Alterna Savings]], [[Canadian Western Bank]], [[Citibank]], [[HSBC Bank Canada]], [[Manulife Bank of Canada]], [[First Nations Bank of Canada]] and [[National_Bank_of_Canada|National Bank]] provide surcharge-free ATM access to members of other participating financial institutions through the network.<ref name="Canadian ATM fees">((cite web
 |url        = https://www.canada.ca/en/financial-consumer-agency/services/banking/atm-fees.html
 |title      = ATM fees
 |last       = Financial Consumer Agency of Canada
 |author-link       = Financial Consumer Agency of Canada
 |date       = 2018-06-22
 |access-date = 2019-04-15
))</ref>
===Colombia=== 
Fees and withdrawal amounts differ by network (i.e. Mastercard or Visa) and by the issuing card.  Davividenda gets the [https://asocialnomad.com/colombia/atms-fees-in-colombia/ most reports] for having zero fees for withdrawals.  BBVA has low withdrawal limits.  

===United States===
Prior to 1988, there was no surcharging of cardholders by ATM owners in the U.S.  In 1988 Valley Bank of Nevada began surcharging "foreign cardholders" (meaning holders of ATM cards not issued by Valley Bank) for withdrawals at Valley Bank ATMs located in/near Las Vegas casinos.<ref>[http://www.altlaw.org/v1/cases/441762 United States Court of Appeals for the Ninth Circuit Valley Bank v. Plus Sys., Inc.:] ((dead link|date=June 2016|bot=medic))((cbignore|bot=medic))</ref>  Eventually, various regional ATM networks, and ultimately the national networks, [[Plus (interbank network)|Plus]] and [[Cirrus (interbank network)|Cirrus]], permitted ATM surcharging.

Before 1996, foreign ATM fees averaged $1.01 [[USD]] nationally, according to a 2001 report from the US-based State [[Public Interest Research Group]].<ref>((cite web
 |author=Edmund Mierzwinski
 |title=Double ATM Fees, Triple Trouble
 |publisher=U.S. [[Public Interest Research Group]]
 |date=2001-03-29
|url=http://www.stopatmfees.com/report01/report01.pdf
 |access-date=2007-06-26
 |url-status=dead
|archive-url=https://web.archive.org/web/20070728025243/http://www.stopatmfees.com/report01/report01.pdf
 |archive-date=28 July 2007
 |df=dmy
))</ref>

As banks and third parties realized the profit potential, they raised the fees. ATM fees now commonly reach $3.00, and can be as high as $6.00,<ref>[http://www.obstructedtechnology.org/tech-news/things-to-keep-in-mind-when-opting-for-free-atm-placements.html Things to Keep in Mind when Opting for Free ATM Placements] ((Webarchive|url=https://web.archive.org/web/20151121090102/http://www.obstructedtechnology.org/tech-news/things-to-keep-in-mind-when-opting-for-free-atm-placements.html |date=21 November 2015 )) Ocean ATM</ref> or even higher in cash-intensive places like bars and casinos. In cases where fees are paid both to the bank (for using a "foreign" ATM) and the ATM owner (the so-called "surcharge") total withdrawal fees could potentially reach $11. [[Independent sales organization]]s ("ISO"s) are the driving force in ATM deployment in the U.S. today representing over 60% of the 396,000 ATMs nationwide. Some have expressed concerns that the U.S. market is becoming too saturated, spreading the resulting fee pool too thin, which may result in a future net decrease in the number of machines.<ref>((cite web|last=Sullivan |first=Bob |url=http://www.nbcnews.com/id/5529813 |title=Are there too many ATM machines? - Money - NBC News |work=NBC News |date=2004-07-28 |access-date=2010-08-11))</ref> Other media reports indicate that growth in ATM usage has decreased, possibly in relation to the amount of fees imposed by banks.<ref>((cite news|url=http://www.bizjournals.com/buffalo/stories/2006/02/13/focus2.html?t=printable |title=After 25 years, ATMs facing market changes - Business First of Buffalo |publisher=Bizjournals.com |date=2006-02-10 |access-date=2010-08-11 |first=Thomas |last=Hartley))</ref>

According to Bank Call Reports, [[JPMorgan Chase]], [[Bank of America]] and [[Wells Fargo]] earned more than $1.1 billion in 2016 from ATM fees. The average fee for using an out-of-network ATM has reached $4.57 in 2016 and this is the 10th straight year of increases, according to [[Bankrate]].<ref>((cite news |last=Long |first=Heather |url=https://money.cnn.com/2017/02/22/investing/atm-overdraft-fees-rise/index.html |title=Big banks rack up $6.4 billion in ATM and overdraft fees |work=[[CNNMoney]] |date=2017-02-22 |access-date=2017-02-23 ))</ref> By 2019, the average total out-of-network ATM fees had increased to $4.72.<ref name="ut-2019oct02">((cite news |url=https://www.usatoday.com/story/money/2019/10/02/bank-fees-atm-charges-hit-record-high-faster-hikes-coming/3835706002/ |title=ATM fees reach a record average of $4.72 per withdrawal, with more coming |newspaper=[[USA Today]] |date=2 October 2019 |first=Paul |last=Davidson))</ref>

A new charge that has come into the marketplace is the "[[Unavailable funds fee|Denial Fee]]", where a customer is charged a fee for attempting to withdraw more money than they are either allowed through their daily withdrawal limit or by having insufficient funds in their account.<ref>((cite web|url=http://redtape.msnbc.com/2005/10/now_even_atm_de.html |title=In denial: ATM fee for getting nothing - The Red Tape Chronicles - MSNBC.com |publisher=Redtape.msnbc.com |date=2005-10-28 |access-date=2010-08-11 |url-status=dead |archive-url=https://web.archive.org/web/20100506234046/http://redtape.msnbc.com/2005/10/now_even_atm_de.html |archive-date=6 May 2010 |df=dmy ))</ref>

==Asia==

===Bangladesh===
There are multiple ATM networks in Bangladesh. Dutch-Bangla Bank has the largest ATM network and also the most member banks. Dutch-Bangla Bank customers are charged BDT 200 yearly as ATM network charge if one has any debit card of the bank.

Dutch-Bangla Bank has separate agreements with local and international banks whereby Dutch-Bangla Bank charges BDT 10 (US$0.092) per transaction to member banks. Due to this low amount, member banks often add an extra amount as profit margin.

===Hong Kong===
There are three ATM networks in [[Hong Kong]]: ETC ([[HSBC]] and [[Hang Seng Bank]] only), [[JETCO]] (all remaining banks) and [[AEON (company)|ÆON]]. ATM use is free of charge when the card is issued by its respective network. Otherwise, HKD$15–30 is paid for service charge for out-of-network cards.((citation needed|date=August 2023))

===India===
In 2014, the Reserve Bank of India (RBI), India's central bank and financial regulator, issued a directive on request from large ATM network and card-issuing banks which expressed concern about the growing cost of ATM network operations, large cash outflows, and other problems. In fact, customers of same bank withdrawing more than 5 times in month were sought to be charged. Present directive reduces Free transaction per month from as five to three with revised charges of INR 20 plus taxes levied per transaction as ATM transaction fee.((fact|date=April 2023))

The number of ATMs, which stood at a little over 27,000 as at end-March 2007, has increased to over 160,000 across the country by end-March 2014. During the same period, POS infrastructure has increased from 330,000 to 1,065,000 terminals. Meanwhile, White Label ATMs (WLAs) have also been introduced in the country with the objective of increasing the ATM density and also building the rural and semi-urban ATM infrastructure.<ref>((cite web|last1=Thakkar |first1=Hitesh |title=Chief Technology Consultant |url=http://www.rbi.org.in/scripts/NotificationUser.aspx?Id=9170&Mode=0 |website=www.rbi.org.in |publisher=www.rbi.org.in |access-date=14 August 2014 |url-status=dead |archive-url=https://web.archive.org/web/20140819000045/http://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=9170&Mode=0 |archive-date=19 August 2014 |df=dmy ))</ref>

In 2007, the Reserve Bank of India (RBI), the country's central bank, had issued a directive to all commercial banks to freeze ATM charges and, with effect from 1 April 2009, abolish ATM service charges altogether. Since 2009, customers of any licensed bank are able to use the ATMs of other banks without paying a service charge. Earlier, banks charged between '''₹''' 10 and '''₹''' 35 per reciprocal transaction. A person holding card of other banks can withdraw amount from other bank ATM's but the number of transactions is limited to 5; i.e., on the 6th transaction the person is charged up to '''₹''' 21.<ref>((cite web|author=Our Special Correspondent |url=http://www.telegraphindia.com/1090330/jsp/business/story_10744673.jsp |archive-url=https://web.archive.org/web/20090402110334/http://www.telegraphindia.com/1090330/jsp/business/story_10744673.jsp |url-status=dead |archive-date=2 April 2009 |title=The Telegraph - Calcutta (Kolkata) &#124; Business &#124; Use any ATM from April free of charge |publisher=Telegraphindia.com |date=2009-03-30 |access-date=2010-08-11))</ref>

However, banks can still surcharge for items such as credit card ATM cash advances and at foreign ATMs. In addition, RBI imposes significant foreign exchange restrictions on the use of Indian debit VISA/Mastercard abroad.  For example, Indian debit VISA cards are routinely marked "Valid in India and Nepal only"  due to the country's restrictive foreign exchange reserve policy.

===Indonesia===
In Indonesia, banks generally do not charge a fee for ATM usage. However, when an ATM card is used outside the home ATM network, service charge will apply.

===Iran===
The [[Shetab Banking System]] is an electronic banking clearance and automated payments system used in Iran. The system was introduced in 2002 with the intention of creating a uniform backbone for the Iranian banking system to handle ATM, POS and other card-based transactions. There are no charges for money withdrawal in this network. Transferring money between two accounts in a same bank is mostly free (for some banks may incur a small charge of IRR 250) but between different banks costs from 5,000 to 39,600 (for amounts of 10,000 to 150,000,000) for instant transactions, IRR 2,000 to 25,000 for "Paya" transactions, and checking the account balance costs [[Iranian rial|IRR]] 1,200 for other banks' cards. Other services are currently free.

===Japan===
In Japan, usually any ATM offers free withdrawal for its respective account holders. Business weekday from morning to late evening means a free transaction (withdrawal, deposit, balance statements, sometimes bank transfers). Beyond this time limit or even on weekends / public holidays, the ATM charges fees to make a transaction.

===Malaysia===
In Malaysia, ATM usage is free of charge but users may be required to pay a fee when used outside the home network and banks charge a fee of [[Malaysian ringgit|RM]] 8 to RM 24 annually for a normal savings account.

Under Malaysia's Basic Saving Account scheme the fee is waived but the customer is limited to only eight<ref>http://www.bankinginfo.com.my/02_know_your_products/0201_choosing_right_account/basic_banking_services.php?intPrefLangID=1 ((Webarchive|url=https://web.archive.org/web/20111220181130/http://bankinginfo.com.my/02_know_your_products/0201_choosing_right_account/basic_banking_services.php?intPrefLangID=1 |date=20 December 2011 )) Basic Banking service Malaysia</ref> free cash withdrawals, after that, banks will charge a fee of RM0.50 to RM1 for every withdrawal until the following month.

Also, under the [[Malaysian Electronic Payment System]] (MEPS), users can withdraw cash from participating banks for a fee of RM 1 per withdraw.<ref>((cite web | url=https://www.cimbbank.com.my/en/personal/support/help-and-support/rates-and-charges.html?c=fees-and-charges&n=debit-cards | title=Rates & Charges | publisher=CIMB Bank Berhad | date=2018 | access-date=15 April 2019| archive-url=https://web.archive.org/web/20180905214726/https://www.cimbbank.com.my/en/personal/support/help-and-support/rates-and-charges.html?c=fees-and-charges&n=debit-cards | archive-date=5 September 2018 |url-status=live))</ref> Users can also transfer their fund to another bank via IBFT (Instant Bank Fund Transfer) at a fee of RM 0.30 to RM 0.50 or via IBG (inter-bank giro) at RM 0.10 .<ref>((cite web|url=https://www.thestar.com.my/business/business-news/2015/05/20/meps-establishes-ceiling-of-50-sen-for-funds-transfer/|title=MEPS establishes ceiling of 50 sen for funds transfer |website=[[The Star Online]] |date=20 May 2015|access-date=14 April 2019))</ref> Another program called HOUSe by locally incorporated foreign banks in Malaysia also have their own network for cash withdrawals from participating banks. Users of local banks are also considered MEPS users by default and users of locally incorporated foreign banks are considered HOUSe users. MEPS users attempting to withdraw cash from HOUSe networks are subjected to a fee of RM 4 and vice versa. Some banks allow cross-border cash withdrawals, but may charge a fee of up to RM 24 per withdrawal, depending on the kind of ATM network users choose.

===Pakistan===
In Pakistan, banks usually charge a fee of PKR 23.44 (equivalent to 8.3 cents USD) for each non-user's ATM cash withdrawal. These fees are levied chiefly to offset banks' own costs at par only, without any profit margin whatsoever.((citation needed|date=April 2018))

There are two ATM networks operational in the country, [[1LINK]] hosted by a consortium of banks, and [[MNET (interbank network)|MNET]]. All Pakistani banks are members of [[1LINK]] switch as per the mandate of the [[State Bank of Pakistan]], the country's central bank. Some banks, absorb the costs entirely, and offer their customers totally free withdrawals at all ATMs countrywide,((citation needed|date=November 2019|reason=Which banks?)) including [[Azad Kashmir]].

ATM charges for cash withdrawal from other Bank ATMs (possibly tax exclusive):

* [[Allied Bank Limited]]: Rs.23.44. <ref>((Cite web|url=https://www.abl.com/services/downloads/schedule-of-charges/|title=Schedule of Charges|website=Allied Bank Limited|language=en-US|access-date=2020-01-22))</ref>
* [[Bank Alfalah|Bank Alfalah Limited]]: Rs.23.44 with some account types exempt (domestic), international: Rs. 300 or 3% of withdrawal amount, whichever is higher. <ref>((Cite web|url=https://www.bankalfalah.com/schedule-of-charges/|title=Schedule of Charges|website=Bank Alfalah|language=en-US|access-date=2020-01-22))</ref>
* [[Bank Al Habib|Bank Al-Habib Limited]]: Rs. 23.44 (domestic), international: Rs. 200 or 2% of withdrawal amount, whichever is higher. <ref>((Cite web|url=https://www.bankalhabib.com/schedule-of-charges|title=Schedule of Charges|website=Bank AL Habib|access-date=2020-01-22))</ref>
* [[Habib Bank Limited]]: Rs. 23.44 with ''Work Account'' and ''Freedom Account'' exempt,<ref>((Cite web|url=https://www.hbl.com/publicdocuments|title=HBL Public Documents|website=HBL Pakistan|access-date=2020-01-22))</ref> ''was'' ~16.5 by end-2019.<ref>((Cite book|url=https://www.hbl.com/Download/Schedule%20of%20Bank%20Charges%20SOBC%20-%201st%20July%20to%2031st%20Dec,%202019%20(English).pdf|title=Schedule of Bank Charges SOBC - 1st July to 31st Dec, 2023 (English)|last=HBL|year=2019|pages=20))</ref>
* [[Habib Metropolitan Bank|Habib Metropolitan Bank Limited]]: Rs. 23.44 (domestic), 3% (international).<ref>((Cite web|url=https://www.habibmetro.com/schedule-of-charges/|title=Schedule of Charges – Habib Metro Bank|website=Habib Metro Bank|language=en-US|access-date=2020-01-22))</ref>
* [[JS Bank|JS Bank Limited]]: Rs. 23.44 (domestic), international: Rs. 1,000 or 4% of withdrawal amount, whichever is higher.<ref>((Cite web|url=https://www.jsbl.com/information/|title=Information|website=JS Bank|language=en-US|access-date=2019-11-23|archive-url=https://web.archive.org/web/20190109073416/https://www.jsbl.com/information/|archive-date=9 January 2019|url-status=dead))</ref>
* [[MCB Bank Limited]]: Rs. 23.44 (domestic), international: 2%.<ref>((Cite web|url=https://www.mcb.com.pk/quick_links/mcb-schedule-of-charges|title=MCB Schedule Of Charges|website=MCB Bank Pakistan|access-date=2020-01-22))</ref>
* [[Meezan Bank]]: Rs.23.44.<ref>((Cite book|url=https://www.meezanbank.com/wp-content/themes/mbl/downloads/home-downloads/SOC-ENG-Jul-Dec-2019.pdf|title=Schedule of Service Charges|last=Meezan Bank|year=2019|pages=12|access-date=23 November 2019|archive-url=https://web.archive.org/web/20191207112541/https://www.meezanbank.com/wp-content/themes/mbl/downloads/home-downloads/SOC-ENG-Jul-Dec-2019.pdf|archive-date=7 December 2019|url-status=dead))</ref>
* [[Standard Chartered Pakistan|Standard Chartered]]: Rs. 23.44 (1-Link), Rs. 15 (MNET), 8% (international).<ref>((Cite web|url=https://www.sc.com/pk/help-centre/download-centre.html|title=Download Centre - Help Centre - Standard Chartered Bank Pakistan|website=Standard Chartered Pakistan|access-date=2020-01-22))</ref>
* [[United Bank Limited]]: Rs.23.44 (domestic), international: 0 (Pay Pak), 4.5% (Pay Pak/UPI and all other cards).<ref>((Cite web|url=https://www.ubldirect.com/Corporate/ScheduleofBankCharges.aspx|title=Schedule of Bank Charges|website=United Bank Limited|access-date=2020-01-22))</ref>

===Philippines===
In the Philippines, there is a [[Philippine peso|₱]]200 charge from local banks when using an international ATM card, in addition to the originating bank's charges. [[HSBC Bank]] is the only bank in the Philippines without a ₱200 fee for oversea bank cards.<ref>((cite web|last1=HSCB Bank|title=HSCB Bank Tariff Guide|url=https://www.hsbc.com.ph/1/PA_ES_Content_Mgmt/content/philippines/personal/forms-documents/pdf/hbap_easy_guide_tariff.pdf|website=HSBC Bank Philippines
|access-date=31 July 2016))</ref>

Banks currently charge a flat fee per withdrawal transaction for customers who use an ATM card in other bank's ATMs.

===Sri Lanka===
In Sri Lanka banks usually charge a fee of [[Sri Lankan rupees|LKR]] 5.00 (((Currency|((To USD|5|LKA))))) for the users of the bank (which provides the ATM) and [[Sri Lankan rupees|LKR]] 15.00 (((Currency|((To USD|15|LKA))))) to [[Sri Lankan rupees|LKR]] 60.00 (((Currency|((To USD|60|LKA))))) per non user's bank withdrawal of cash from the machine.  Most ATMs are connected to the national [[LankaPay]] interbank network. If the user used their credit card to withdraw money, banks will charge from [[Sri Lankan rupees|LKR]] 300.00 (((Currency|((To USD|300|LKA))))) to [[Sri Lankan rupees|LKR]] 900.00 (((Currency|((To USD|900|LKA))))) per transaction.

===Thailand===
In Thailand, there is no fee for domestic same-bank same-province transaction. However, customers usually pay an ATM annual fee of [[Thai baht|฿]]200, plus a one-off card fee of ฿100 and convenience fee for withdrawal or balance inquiry at other bank ATM or at a province other than the province where the account is opened.  On 23 September 2010, the [[Bank of Thailand]] (BOT) announced an ATM fee ceiling framework which came into full effect one year later.<ref>((cite web | url=http://www.bot.or.th/Thai/PressAndSpeeches/Press/News2553/n3953t.pdf | title=Press And Speeches 39/2553 | publisher=Bank of Thailand |language=th | date=27 September 2010 | access-date=15 April 2019))</ref> Most of the banks will allow customer to have four withdrawal or balance inquiry transactions for free provided that the ATM is located in the same province with the account, then charges up to ฿10 per transaction for interbank same-province ATM usage.  Inter-provincial fund transfer or withdrawal fees are capped at ฿20 per transaction as a result of BOT 2010 reform.

However, banks are now pushing for high annual fee card by combining personal assurance (PA) into their cards. The annual fee of PA card can be more than three times for the ordinary card (typically ฿200 for a debit card). Many customers are often told that basic cards have run out of stock and they can only choose the PA card.((citation needed|date=April 2018)) In some cases, customers not willing to subscribe to ATM service and pay the card fees are not allowed to open an account.((citation needed|date=April 2018))

For a foreign card, the ATM service fee is ฿150 (Aeon Bank), and ฿220 for all other banks. Cash withdrawals in the bank office ("cash advance") typically do not have any fees on top of what the issuer bank may charge.

==Europe==
((Further|topic=countries in the Eurozone|Single Euro Payments Area))

===Austria===
Cash withdrawals are free for any owner of an Austrian [[Maestro (debit card)|Maestro]] card at a bank. Some independent ATM's – 67 out of 8,500 as of 2016 – charge a small fee (€1.95 in 2016). By law, a warning is given when a fee is charged.

In July 2016 it was discussed if a law should forbid these fees or the fee must be displayed clearly during the transaction.

Very few, small banks charge an extra fee when one of their own customers uses a different bank's ATM.<ref>http://orf.at/#/stories/2351083/ ((webarchive|url=https://web.archive.org/web/20160301051602/http://orf.at/ |date=1 March 2016 )) Bankomatgebühr: Ministerien für Kennzeichnung, orf.at, 25 July 2016, retrieved 25 July 2016</ref>

===Finland===
Cash withdrawals are free for any owner of a Finnish bank card or [[Visa Electron]] cards on ATM brand "Otto." which is the largest ATM network in Finland. There are smaller rivals which have fees. "Otto." ATMs accept also Visa, MasterCard, American Express and Diners Club credit cards. They also belong to [[Maestro (debit card)|Maestro]], [[Cirrus (interbank network)|Cirrus]] and [[Plus (interbank network)|Plus]] networks.<ref>((cite web|url=http://www.otto.fi/index.php?ca=in_english&an=default |title=Ottopisteiden kotisivu |publisher=Otto.fi |access-date=2010-08-11))</ref> Fees depend on card issuer.
Some banks do charge fees after a given number of withdrawals within a month.<ref>((cite web|url=https://www.nordea.com/fi/media/uutiset-ja-lehdistotiedotteet/News-fi/2016/2016-08-02-kateisen-nosto-maksuttomaksi-euroalueella.html|title=Käteisen nosto maksuttomaksi euroalueella|date=2016-08-08|access-date=2018-10-02|archive-date=2 October 2018|archive-url=https://web.archive.org/web/20181002194141/https://www.nordea.com/fi/media/uutiset-ja-lehdistotiedotteet/News-fi/2016/2016-08-02-kateisen-nosto-maksuttomaksi-euroalueella.html|url-status=dead))</ref>

===Germany===
German banks generally charge fees for withdrawals at another bank's ATM, both within the national [[Girocard]] debit card/ATM scheme as well as when using a debit card's [[Maestro (debit card)|Maestro]] or [[V-Pay]] facility abroad.

Fees for withdrawals within the Girocard scheme are all implemented as surcharges (''direktes Kundenentgelt'') which go from €1.95 up to €5.00 or higher<ref>((cite web|url=https://www.test.de/Gebuehren-an-Geldautomaten-Sparkassen-und-Volksbanken-teuer-4199327-0/|title=Gebühren an Geldautomaten - Sparkassen und Volksbanken teuer - Stiftung Warentest|website=Stiftung Warentest|date=2011-01-31|archive-url=https://web.archive.org/web/20140226072655/http://www.test.de/Gebuehren-an-Geldautomaten-Sparkassen-und-Volksbanken-teuer-4199327-0/|archive-date=2014-02-26))</ref> and must be displayed to the customer before the money is given out. All ATMs are connected to the national Girocard interbank network. The ATM owners do usually join one of the ATM groups that mutually lower or waive fees, so that customers can withdraw free of charge. The most extensive network of ATMs belongs to the savings banks associations ("Sparkassen") with 24,600 ATMS. Most of the private banks are either member of the [[Cash Group]] (7,000 ATMs owned by the major banks) or [[Cash Pool]] (2,500 ATMs owned by smaller banks) – they are usually found in city centers. The credit unions ("Volksbanken" and "Raiffeisenbanken") provide around 18,000 ATMs and are associated in the ''BankCard ServiceNetz'', very often in smaller towns and villages, but less frequently available in the big cities. Fees for withdrawing money in the Maestro scheme (outside of Germany, but also at some ATMs at airports in Germany) or with a credit card are charged by the customer's bank and are not displayed during the transaction.

Some German banks such as [[Deutsche Kreditbank]], [[ING-DiBa]] and [[Consorsbank]] have started issuing complementary [[Visa, Inc.|Visa]] cards for cash withdrawals to their customers, in addition to the traditional Girocard. Those issuing banks will absorb the interbank fee that they are obliged to pay to the ATM operator under Visa regulations. Although the cards use the Visa [[credit card]] protocols, the funds are taken directly from a linked bank account just as with [[debit cards]], and there are no cash advance fees. As surcharges for cash withdrawals by credit card are uncommon in Germany, almost any ATM in Germany can be used for free cash withdrawals with such a Visa card. 

Some banks like the ING-DiBa have started requiring their customers to withdraw at least €50 on their own and partner ATMs. This regulation was put in place because banks pay a fixed amount for a withdrawal from an ATM unattached to the amount the customer withdraws. An exception where the regulation does not kick in is if the customer's balance is below the €50 threshold, then they can get as little money as possible.<ref>((Cite web|url=https://info.ing-diba.de/go/oiwisikxgpu7pgviaym4nrzf0rq6qfwkkqysk4ws04v6/5016|title=ING-DiBa|website=info.ing-diba.de|access-date=2018-07-23))((Dead link|date=June 2020 |bot=InternetArchiveBot |fix-attempted=yes ))</ref>

===Ireland===
Section 149 of the Consumer Credit Act, 1995 requires a credit institution to notify the [[Central Bank of Ireland]] of every proposal to increase a previously notified charge or to impose any charge in relation to the provision of a service to a customer that has not been previously notified to the Central Bank.<ref>((cite web|url=http://www.centralbank.ie/regulation/industry-sectors/credit-institutions/Documents/Information%20on%20the%20Bank%20Charges%20Approval%20Process%20May%202014.pdf|title=Information on the Bank Charges Approval Process |website=[[Central Bank of Ireland]] |date=2014 | archive-url=https://web.archive.org/web/20160917000541/http://www.centralbank.ie/regulation/industry-sectors/credit-institutions/Documents/Information%20on%20the%20Bank%20Charges%20Approval%20Process%20May%202014.pdf | archive-date=17 September 2016 |url-status=dead))</ref> Not all ATMs are operated by credit institutions. Third party charges are not subject to this notification process. The government imposes a 12 cent [[stamp duty]] fee per ATM withdraw in the Republic on debit/ATM cards charged at the end of a calendar year, capped at €2.50 for cards that have only been used at ATMs and €5.00 for cards used at ATMs and point-of-sale.

===Netherlands===
Cash withdrawals are usually free for an owner of a Dutch debit card, both within the Netherlands and in the rest of the European Union. Cash withdrawals from another bank in the Netherlands are limited to a maximum of once a day and a lower limit per transaction. The one transaction per day limit generally does not apply to withdrawals outside the country. Up to €2,300 may be withdrawn per cashpoint.

===Norway===
No ATM normally surcharges. However, most major card issuers will levy cash-advance fees unless the client pays a higher annual fee for the card. Some cards have no ATM fees, but these are the exception – like [[Skandiabanken]] (Sbanken) Visa and Gebyrfri Visa, both smaller foreign-based banks.

===Poland===
There are few but extensive independent ATM operators in Poland (e.g. [[Euronet Worldwide|Euronet]], ITCARD owner of Planet Cash ATM network, eCard, Global Cash) as well as smaller bank-owned networks. Fees depend on inter-bank agreements and are explicitly stated in card contract. Typically withdrawals from own and allied networks are free while from competitor's machines are subject to a percentage (3-4%) with constant minimum fee, e.g. 5 PLN (~$1.4). In 2013 ATM fee for using other domestic machine was decreased to 1.2/1.3 PLN per transaction. Premium accounts often come without any withdrawal fees, albeit at higher recurring cost. As of 2010 many banks offer optional contracts on "free" withdrawals from any ATM at flat monthly fee, usually priced similar to one withdrawal. The maximum amount that can be withdrawn in one operation is usually 30 or 40 notes (~US$1,000), varying with the type of machine, ATM management system and banknote denominations used.

===Portugal===
All [[Multibanco]] withdrawals and payments in Portugal are free. Recent European Union directives allowed merchants and banks to charge the customers for transactions, but the government approved a law that forbids charging any kind of fees.

===Spain===
There are significant variation in charges applied. A card issued by a Spanish bank will normally expect to incur a fee up to €1 on each ATM withdrawal, where the transaction is conducted on an ATM operated and owned by the customer's own bank.

However, outside this situation, there is anecdotal evidence((original research inline|date=April 2018)) of significantly higher charges being applied where third-party owner/operated ATMs are used, including those operated/owned by other Spanish banks.((citation needed|date=April 2018)) These may be in reported((where|date=April 2018)) but unverified cases to be as high as 5% of the value withdrawn.

An effort is currently being made((by whom|date=April 2018)) to research, identify and quantify the structure and nature of what, from this anecdotal evidence, appear in some cases to be excessive charges.((Weasel inline|date=April 2018)) The case is complicated because the fees can originate from the ATM operator, or/and the customers own bank, for as "processing fees".

===Sweden===
In Sweden, most banks issue debit cards for an annual or monthly fee which includes free withdrawals in Sweden and within the [[eurozone]]. However, customers are subject to a fee if using a cash machine elsewhere. Some cards from some banks are, however, subject to fees also when used in the eurozone and some Swedish cash machines. Most of these cards are issued by [[savings banks]].((citation needed|date=February 2024))

===Switzerland===
Fees are not usually charged for withdrawals at a banks' own ATMs, but may be at those of other banks. For example, ((asof|2019|lc=y)) [[UBS]] do not charge for withdrawals at other banks<ref name="UBS">((cite web | url=https://www.ubs.com/content/dam/ubs/ch/swissbank/private/zahlen-und-sparen/konten/services-and-prices.pdf | title=Banking packages and individual products: Services and prices for private clients | publisher=UBS | date=1 January 2019 | access-date=15 April 2019))</ref> whereas [[Credit Suisse]] charge 2 CHF per withdrawal.<ref name="Credit Suisse fees">((cite web|url=https://www.credit-suisse.com/ch/en/private-clients/account-cards/private-account.html|title=Private account|website=Credit Suisse|access-date=14 April 2019))</ref>  Sometimes, banks provide the cardholder with 10, 12 or 24 free withdrawals, especially if the bank is a small one, with few ATMs. Most Swiss banks hand out [[Maestro (debit card)|Maestro]] cards to their customers, in most cases for an annual fee of around 40 CHF, so that any ATM can be used.

===United Kingdom===
During the 1980s the number of banks and building societies charging issuer fees (i.e. charging fees to their own customers when they used another operator's cash machines) gradually increased. However, in 1990 Barclays announced they were introducing an acquirer fee for all non-Barclays cardholders at their cash machines. This would result in "double charging", where the customer was charged by both their card issuer and the machine operator. Public reaction against this proposal was very strong and a campaign launched by [[Nationwide Building Society]] and the UK [[tabloid journalism|tabloid]] [[newspapers]] resulted in issuer fees being removed altogether.<ref>((cite news| url=https://money.cnn.com/1999/09/23/europe/barclays/ | work=CNN | title= Barclays delays ATM fee| date=1999-09-23))</ref>

Interchange fees remained. These are paid by the card issuer to the cash machine operator to cover the cost of the transaction. Their cost is absorbed by the card issuer and not directly passed on to the end customer.((citation needed|date=April 2018))

In 1999 the UK cash machine network [[LINK (UK)|LINK]] opened membership to so-called independent cash machine operators (IADs); organisations which do not issue cards. IADs initially focused on the pay-to-use market, where the customer covers the cost of the transaction directly and this, coupled with a low-cost business model, meant that the number of pay-to-use cash machines rose rapidly, peaking in 2007 at just over 27,000 cash machines.<ref name="link">http://www.link.co.uk/about-link/statistics/ ((Webarchive|url=https://web.archive.org/web/20160630114614/http://www.link.co.uk/about-link/statistics/ |date=30 June 2016 )) LINK Website - statistics</ref>

Most of these machines are in low footfall locations such as convenience shops, garages, nightclubs and pubs. The fee charged in 2005 was usually between [[GBP|£]]1.00 and £1.50,<ref>((cite web|url=http://www.abcmoney.co.uk/news/1220051323.htm |title=ATM users to pay £250m in fees next year |publisher=Abcmoney.co.uk |access-date=2010-08-11 |url-status=dead |archive-url=https://web.archive.org/web/20110722151252/http://www.abcmoney.co.uk/news/1220051323.htm |archive-date=22 July 2011 |df=dmy ))</ref> but occasionally they have been known to charge up to £5<ref>((cite web | url=https://publications.parliament.uk/pa/cm200405/cmselect/cmtreasy/191/191.pdf | title=Cash Machine Charges: Fifth Report of Session 2004–05 (HC 191) | publisher=[[House of Commons of the United Kingdom|House of Commons]] | date=31 March 2005 | access-date=15 April 2019 | author=House of Commons Treasury Committee | author-link=House of Commons Treasury Committee ))</ref> and £10.<ref>((cite web|url=http://www.which.co.uk/reports_and_campaigns/money/campaigns/Banking%20and%20credit/ATM%20charges/Cash_machines_560_54911.jsp|archive-url=https://web.archive.org/web/20080127172044/http://www.which.co.uk/reports_and_campaigns/money/campaigns/Banking%20and%20credit/ATM%20charges/Cash_machines_560_54911.jsp|url-status=dead|archive-date=27 January 2008|title=Banking and credit - Cash machines|publisher=[[Which?]] |access-date=14 April 2019))</ref>

Rules regarding signage on pay-to-use machines were introduced in 2005 and enhanced in 2006<ref>((cite web|url=http://link.co.uk/media/newsreleases/pages/government-brokeredroundtableagreesthatindustry,consumergroupsandtreasurycommitteeshouldbeginworkingtogetheroncashmachineis.aspx|archive-url=https://web.archive.org/web/20140209082920/http://link.co.uk/media/newsreleases/pages/government-brokeredroundtableagreesthatindustry,consumergroupsandtreasurycommitteeshouldbeginworkingtogetheroncashmachineis.aspx|url-status=dead|archive-date=9 February 2014|title=LINK - Government-brokered roundtable agrees that industry, consumer groups and Treasury Committee should begin working together on cash machine issues|date=9 February 2014|website=LINK |access-date=14 April 2019))</ref> and since 2007 the number of pay-to-use cash machines has fallen. By the end of 2010 there were around 21,000 cash machines.<ref name="link" />

The large numbers of free-to-use cash machines and the low average number of transactions at pay-to-use cash machines means that 97% of cash withdrawals in the UK remain free of charge. As of 2016, there were about 54,000 free to use cash machines, of which 23,600 were provided by independent suppliers, and 16,000 cash machines that charge for withdrawals.<ref name=guardian-20170127>((cite news |url=https://www.theguardian.com/business/2017/jan/27/link-atms-8000-in-uk-could-start-charging-for-withdrawals |title=Link ATMs: 8,000 in UK could start charging for withdrawals |author=Jill Treanor |newspaper=[[The Guardian]] |date=27 January 2017 |access-date=27 January 2017))</ref>

== See also ==
* [[ATM card]]
* [[Financial transaction]]
* [[Global ATM Alliance]]
* [[Point of sale]]
* [[Unavailable funds fee]]

== References ==

((Reflist))

((Credit cards))

((Use dmy dates|date=May 2014))

[[Category:Automated teller machines]]

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