Tips on Using ATMs in Europe


Throughout Europe, ATMs are the easiest and smartest way for travelers to get cash. You'll pay withdrawal fees, but you'll still get a better rate than you would exchanging dollars for local cash at a currency exchange booth (terrible rates).

Finding Cash Machines
In most places, cash machines are easy to locate — ask for a distributeur in France, a "cashpoint" in the UK, and a Bankomat just about everywhere else. Small towns may have a limited number of or even no ATMs. Consider stocking up on cash before heading to a small-town or rural destination, to avoid getting into a bind.

When possible, withdraw cash from bank-run ATMs located just outside that bank. Ideally use them during the bank's opening hours; if your card is munched by the machine, you can go inside for help. 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. To get in, look for a credit-card-size slot next to the door and insert your card.

Withdrawing Cash
Cash machines are easy to use. They always have English-language instructions and work just like they do at home — except they spit out foreign cash instead of dollars, calculated at the day's standard bank-to-bank rate.

It's best to use a debit card that charges low fees for international ATM transactions. To further reduce fees, limit the number of withdrawals you make by taking out larger sums.

Comments