ATMs in the Netherlands: locations, fees, and tips (2024)

If you’re moving to the Netherlands from the UK as an expat to study or work, or just heading there for a city break or short holiday, you’re going to need some cash to make the most of it. If you plan on using ATMs to withdraw local currency while you’re in the Netherlands, here’s all you need to know to avoid common pitfalls, and unnecessary fees.

And, if you want to avoid exchange rate markups and sneaky transaction fees while spending in the Netherlands, then check out the Wise card. You can also use it to spend in 175 countries, including the Netherlands. Your transactions abroad are automatically converted into British pounds using the fair mid-market exchange rate.

Please see the Terms of Use for your region or visit for the most up-to-date information on pricing and fees.

Where do I find ATMs (geldautomaten) in the Netherlands?

ATMs in the Netherlands are called geldautomaten.

Finding an ATM will be no problem in towns and cities in the Netherlands - just look in or near bank branches, shopping centres and supermarkets. However, if you’re headed to somewhere more rural it’s always a good idea to take some cash with you, as ATM access could be more limited.

Using an ATM in a bank branch is a smart idea, as there are ‘independent’ ATMs in the Netherlands which charge more than you need to pay. More on that later.

Wherever in the Netherlands you happen to be, you can find a convenient ATM using one of the following ATM locators from large national and regional banks:

Will my credit or debit card work in the Netherlands?

You can use any major credit and debit card in stores and restaurants in towns and tourist areas in the Netherlands. It’s worth noting, however, that the Discover card has only a ‘growing’ merchant acceptance¹, and there are few ATMs which will accept the Discover card. If that’s your only card, you might need to carry cash or consider applying for another card just in case.

Find a handy ATM on the same network as your card, using one of the following locators:

Dutch ATM PINs

Dutch Bank cards have chip and pin technology, with a 4-digit PIN code. That means, to use an ATM in the Netherlands, even if you have an American magnetic stripe card, you’ll need a PIN code. Generally, you can get this easily from your bank before you travel.

Cards issued in the UK typically have chip and pin technology, and are widely accepted.

Dutch ATM max cash withdrawal limits

The daily cash withdrawal limit set up in your home bank might dictate what you can withdraw from ATMs in the Netherlands.

If you don’t have a limit set on your card, then the ATM provider’s rules will apply. These vary between banks, but you can expect limits per transaction. These vary a lot between banks and could be between €250 - €400 if you use a foreign card. Usually, local cards have a higher limit –f.e. ABN Amro limits their issued cards at €2,000 per transaction.²

Give your bank a heads-up before you travel to the Netherlands

Using a credit or debit card abroad is a convenient and easy solution for most people. However, it’s helpful to tell your bank before you travel overseas, in case their fraud department limits or blocks your card, because of the change in spending patterns.

Letting your bank know your plans is easy - just call into your local branch or look for an online form, which is usually available by logging into your online banking.

What are the fees at Dutch ATMs?

Bank ATMs in the Netherlands tend not to charge a fee per withdrawal. However, there are many ‘independent’ ATMs which do, meaning you could end up paying far more than you have to. Avoid these and the common exchange rate rip-offs like Dynamic Currency Conversion to get the best deal possible.

Exchange rate fees at ATMs in the Netherlands (DCC)

Even if the ATM provider doesn’t charge a withdrawal fee, you should be on your guard when withdrawing cash. The most common issue for travellers is something called dynamic currency conversion (DCC). You might see this anywhere you use your card - in a store, restaurant, or using an ATM. Under DCC, you’ll be asked if you want to pay for your transaction in your British pounds as opposed to euros.

The problem is that DCC transactions often don’t use the mid-market rate - the one you’ll find if you google it. If you choose to pay in pounds, the euro exchange rate is decided by the foreign bank or ATM provider, and they can mark up the rate and pocket the difference as their profit. Choose to pay in the local currency instead, and you’ll almost always get a fairer rate on the exchange.

Your home bank’s fees

Check the fees levied by your bank for overseas ATM withdrawals, before you go. They’ll be set out in your terms and conditions document, or you can ask someone in your local branch to help find the information you need.

Dutch banks’ fees

Most bank ATMs in the Netherlands don’t actually charge per withdrawal. However, there’s no law against withdrawal fees. This means that if you come across an ATM in a convenience store, pub or nightclub, the chances are that it’s run by an independent network, which makes its money by charging unsuspecting customers.

Avoid these ATMs and stick to those in or near banks if you can.

Can I get free cash withdrawals in the Netherlands?

If you have a euro account, you might be able to avoid ATM and currency conversion charges in the Netherlands by sticking to bank ATMs. However, this depends a lot on your home bank's policy. If you hold a bank account in a currency other than euros, then the chances are you’ll be charged for the conversion.

Are there any tips to avoiding ATM fees in the Netherlands?

You can at least reduce - if not entirely avoid - some of the likely ATM fees in the Netherlands with a few simple tricks.

Check if your bank is a part of a fee-free (or reduced fee) network

Call your home bank before you leave, and ask if they have any local partner institution in the Netherlands. Often banks form networks to offer free or cheap international cash withdrawals to their customers overseas.

Choose your card wisely

If you have several bank accounts, do some homework before you travel, and find out about overseas ATM fees levied by each of them. Every account will have its own charging structure, and some are much cheaper than others. Use the one which will leave you with the most cash in your pocket to enjoy the Netherlands.

Credit card cash advances using a foreign currency are usually an expensive choice and should be avoided if at all possible.

Avoid ATMs around the airport or hotels

You could be hit by fees using independent ATMs in tourist locations, pubs, nightclubs and other places with a captive audience. They should declare their fees before you process the transaction, so you can avoid them - and in the towns at least there’s always a bank somewhere nearby.

Always choose to pay in euros

Don’t forget our “friend” DCC. If you’re asked whether you want to pay in pounds or euros, euros is always the smartest choice. Otherwise, you could be hit with high fees and poor exchange rates because of DCC.

And, if you’re looking for a transparent and safe alternative to manage your money in the UK or when travelling abroad, consider signing up with Wise. You can get a Wise card, a multi-currency card that automatically converts your pounds into local currency in 175 countries at the fair mid-market exchange rate.

Register with Wise today

Please see the Terms of Use for your region.

If you steer clear of DCC, then ATMs are a convenient way to get the euros needed for a visit to the Netherlands, with a fair exchange rate. Check out if your home bank has a partnership with some of the local banks in the Netherlands – you could get fee-free withdrawals or at least a discount.

Here is a list of the European countries that charge the highest ATM fees.

Sources used:

  1. Discover – International use
  2. ABN AMRO – Withdrawing

Sources last checked on date: 11-Dec-2022

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

ATMs in the Netherlands: locations, fees, and tips (2024)


Are ATMs free in Netherlands? ›

Some Dutch ATMs are free to use, although other operators will charge a fee per withdrawal. Whether withdrawing money from an ATM or paying on card in store, always choose to pay in the local currency.

How much are ATM fees typically? ›

A Bankrate study found that the average ATM fee hit an all-time high in 2023 at $4.73. This total is made up of an average $3.15 surcharge that's levied by the ATM owner plus an average of $1.58 that's charged by one's bank for using an out-of-network ATM.

Can I use an American debit card in the Netherlands? ›

Debit cards and ATMs in the Netherlands

If you have a foreign debit or credit card, you can usually get by just fine in our country. You can use it directly in stores or withdraw money at an ATM.

How to find an ATM with no fees? ›

The easiest way to find a no-fee ATM near you is to check the website or mobile app of the bank or financial institution to which you belong. Most financial institutions will have a map or list or ATMs that you can search by inputting a ZIP code or sharing your location.

How do I avoid international ATM fees? ›

  1. Use a travel credit card instead.
  2. Choose a bank that doesn't charge foreign ATM fees.
  3. Use a bank that reimburses ATM fees.
  4. Use your bank network's ATMs or partner ATMs.
  5. Pay in local currency.
  6. Reduce ATM usage.
  7. Use your debit card to get cash back at a store.

How do I withdraw money from an ATM in the Netherlands? ›

You can use a debit card to make secure payments at payment terminals and to make cash withdrawals at ATMs all over the Netherlands, but there is a daily or weekly limit to how much you can spend or withdraw. You always have a secret PIN with your debit card, which nobody but you will know.

How to avoid ATM charges? ›

Ways to avoid ATM fees
  1. Get cash back. When you check out at a grocery store or other retailer, you'll typically have the option to get cash back with the purchase. ...
  2. Find in-network ATMs. ...
  3. Go digital with a payment app. ...
  4. Withdraw larger sums, less frequently. ...
  5. Open an account that reimburses fees.
Nov 2, 2023

Which ATM has the lowest fees? ›

Best Banks for Avoiding ATM Fees of 2024
  • Axos Bank: Best online bank for avoiding domestic ATM fees.
  • Connexus Credit Union: Best credit union for avoiding domestic ATM fees.
  • Chase Bank: Best national bank for avoiding domestic ATM fees.
  • Charles Schwab: Best institution for avoiding international ATM fees.

What banks don't charge international ATM fees? ›

FAQs about international ATM fees
  • Schwab Bank High-Yield Investor Checking.
  • Betterment Checking.
  • Capital One 360 Checking.
  • Alliant Checking.
  • First Republic ATM Rebate Checking.
  • Fidelity Cash Management Account.
  • USAA Classic Checking.

What is the best card to use in Amsterdam? ›

6 best travel money cards for Amsterdam:
CardCard schemeFees for spending
Starling BankMastercardNo fee
WiseVisa / MastercardNo fees to spend currencies you hold
RevolutVisaNo fees to spend currencies you hold
Post OfficeMastercardNo fees to spend currencies you hold, 3% conversion fee to spend currencies you don't have
2 more rows
Feb 19, 2024

Why don't the Dutch use credit cards? ›

That being said: the Dutch are averse to debt and try their best to avoid it - so much so that the word for "debt" in Dutch is schuld (guilt). Which is why the concept of a credit card would be something that the Dutch try to stay away from.

What is the tipping culture in Amsterdam? ›

This one is pretty simple to answer – the Dutch do not have a tipping culture as strongly-ingrained as much of the English-speaking world. In a bar, restaurant, or private boat tour in Amsterdam, provided the service was good, a tip of around 10% is appreciated but not automatically expected.

Which ATMs have no fees? ›

Direct Charge Fee-Free ATM's include:
  • ANZ.
  • Bank Of South Australia.
  • Bank Of Melbourne.
  • Bank of Queensland.
  • NAB.
  • St George.
  • Westpac.
  • Bankwest.

Which ATM machine does not charge? ›

Allpoint is a network of over 55,000 ATMs worldwide that provide surcharge-free cash access for participating banks, credit unions and prepaid card providers.

Can I withdraw money from ATM without charges? ›

Banks levy the charge on cash and non-cash ATM transactions if a user goes beyond the free monthly limits. In case, the free monthly ATM withdrawal limit exceeds, one will have to pay a tax of an additional ₹21 on each transaction.

Is it better to use cash or card in the Netherlands? ›

Be sure to carry cash

In the Netherlands, credit cards are not the most commonly used method for payments. In daily life, the Dutch hardly use them.

Should you use ATMs in Europe? ›

Bank ATMs usually do not charge usage fees and are generally more secure, as a thief is less likely to target a cash machine near surveillance cameras. Many European banks place their ATMs in a small entry lobby, which protects users from snoopers and bad weather.

How cashless is the Netherlands? ›

The Netherlands is one of the most cashless societies in the world. However, cash remains very available and accessible. Over 99.5% of Dutch residents live within 5 km of a cash dispensing facility.


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