How to get cash in Europe (ATM cards and taking cash) coming from United States [duplicate]

Can someone recommend a good ATM card to obtain for an American going to Europe. Specifically, I'm going to England/Wales if that makes a difference.

To give back, I mention that I have a Amazon Prime Rewards Visa that is extremely good for credit card transactions in Europe (no fees!). I used it exclusively in France. However, I feel it's sometimes necessary to get cash and the ATM cards I have charge something like $10 minimum + 3-5% transaction fee PLUS whatever the local ATM machine charges. The Amazon card also charges considerable fees if used as a debit card at an ATM.

I do plan to take some cash with me, but I don't like to carry huge amounts. As an aside, if someone has recommendations how to get British pounds before the trip, please let me know also. I currently use Chase Bank.

Many thanks! Dave

Best Answer

Like jdouglas's comment, my local credit union in the US gives me an ATM card that has no ATM fee within the US and a 1% fee for ATMs outside the US. (I checked afterwards and calculated that there's no hidden fee baked into the exchange rate.) In Europe I found some ATMs with no fees, so I only paid 1% total fees. Hope you can find the same!

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Can I take out cash in another country?

Withdraw Money From An ATM Yes, I understand that most ATMs will be out of the network and charge hefty fees. But banks tend to offer the best foreign currency exchange rates of any available option. There are a couple of tricks to this method. First, the ATM must be affiliated with a big bank.

How can I use my US debit card in Europe?

Debit cards from any major US bank will work in any standard European bank's ATM (ideally, use a debit card with a Visa or MasterCard logo). As for credit cards, Visa and MasterCard are universal, American Express is less common, and Discover is unknown in Europe. Check your cards' expiration dates.

Can I withdraw money from a different bank ATM?

You generally can use your debit card to withdraw money at an ATM owned by another bank, or at an ATM owned by a third-party provider in a location such as a convenience store or restaurant. Both your bank and the owner of the ATM could charge you a fee for the transaction by deducting it from your bank balance.

Best way to pay and get cash in Euros for Brits 2022 - UK Credit and Debit Cards to use in Europe

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