Withdraw cash in Bulgaria without ATM fees
Yes. Bank ATMs in Bulgaria usually don't charge foreign cards an ATM fee.
Euro since 1 Jan 2026. UniCredit Bulbank, DSK, Postbank, UBB, CCB, ProCredit and Ziraat charge no operator fee; a few banks charge €3–5.
Our map shows 1,687 ATMs in Bulgaria. 1,374 have no known operator fee, 55 charge one and for 258 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | free | 1,374 | medium |
| EasyPayNot a bank ATM; fee unknown. | unclear | 29 | low |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 55 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 229 | – |
ATMs in popular places
How to avoid fees
- Prefer the ATMs marked as free above.
- If your card is in another currency (e.g. GBP, USD or CHF) and the ATM offers a conversion, always choose euro (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
- Avoid Euronet and other independent operators, especially at airports and in tourist areas.
- Withdraw a larger amount once rather than small amounts several times.
- Check before your trip what your own bank charges for foreign withdrawals.
All tips for withdrawing cash abroad →
FAQ
Can you withdraw cash for free in Bulgaria?
Yes. Bank ATMs in Bulgaria usually don't charge foreign cards an ATM fee. Euro since 1 Jan 2026. UniCredit Bulbank, DSK, Postbank, UBB, CCB, ProCredit and Ziraat charge no operator fee; a few banks charge €3–5.
Which ATMs are free in Bulgaria?
Most bank ATMs. The map marks 1,374 ATMs with no known fee.
Which ATMs should I avoid in Bulgaria?
Fees are charged mainly by: Euronet / independent operator (€1.95–4.99). The fee is shown on screen before the withdrawal, so you can still cancel.
Should I pay in euros or in my home currency?
If your card is in another currency (e.g. GBP, USD or CHF) and the ATM offers a conversion, always choose euro (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How up to date is this?
Fees were last checked on 2026-10-31. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
Sources
- Travel Currency Guide: Bulgaria (06/2026)
- ATM Fee Saver: Travel ATM Fee Index 2026, Europa (10.06.2026)
- guidebg.com: Bulgariens Euro-Umstellung 2026
- ATM Fee Saver: Cash and ATMs in Bulgaria
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)