Withdraw cash in Czechia without ATM fees
It depends on the bank. In Czechia, some bank ATMs are free and others charge a fee.
According to a hands-on test (April 2026), most large banks charge foreign cards CZK 100–195; Komerční banka and Fio banka are free.
Our map shows 3,954 ATMs in Czechia. 903 have no known operator fee, 2,844 charge one and for 207 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | unclear | 58 | medium |
| Komerční bankaNo fee in the test. | free | 638 | high |
| Fio bankaNo fee in the test, no DCC offer. | free | 265 | high |
| Česká spořitelnaThe fee is waived only if you accept the ATM's currency conversion (DCC) – which is usually more expensive. | CZK 169 | 1,060 | high |
| ČSOBThe fee is waived only if you accept the ATM's currency conversion (DCC) – which is usually more expensive. | CZK 150 | 583 | high |
| MONETA Money BankThe fee is waived only if you accept the ATM's currency conversion (DCC) – which is usually more expensive. | CZK 195 | 361 | high |
| UniCredit BankThe fee is waived only if you accept the ATM's currency conversion (DCC) – which is usually more expensive. | CZK 185 | 128 | high |
| OberbankATM operated by ČSOB. | CZK 190 | 14 | high |
| Air BankThe fee is waived only if you accept the ATM's currency conversion (DCC) – which is usually more expensive. | CZK 125 | 166 | high |
| Raiffeisenbank | CZK 100 | 142 | high |
| Planet CashThe fee is waived only if you accept the ATM's currency conversion (DCC) – which is usually more expensive. | CZK 98 | 1 | high |
| ATM Point | CZK 115 | 2 | high |
| EuronetCZK 125–149 in the test, depending on the card. | CZK 125–149 | 379 | high |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | CZK 47.49–121.52 | 8 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 149 | – |
ATMs in popular places
How to avoid fees
- Prefer the ATMs marked as free above.
- If the ATM offers to charge you in your home currency, always choose CZK (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 Czechia?
It depends on the bank. In Czechia, some bank ATMs are free and others charge a fee. According to a hands-on test (April 2026), most large banks charge foreign cards CZK 100–195; Komerční banka and Fio banka are free.
Which ATMs are free in Czechia?
According to our sources, no operator fee at: Komerční banka, Fio banka. The map marks 903 ATMs with no known fee.
Which ATMs should I avoid in Czechia?
Fees are charged mainly by: Česká spořitelna (CZK 169), ČSOB (CZK 150), MONETA Money Bank (CZK 195), UniCredit Bank (CZK 185). The fee is shown on screen before the withdrawal, so you can still cancel.
Should I pay in CZK or in my home currency?
If the ATM offers to charge you in your home currency, always choose CZK (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
- Měšec.cz: Výběry z bankomatů zahraniční kartou v Česku – TEST (04.05.2026)
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)
- Travel Currency Guide: Czech Republic (05/2026)
- Travel-Dealz: ATM Operator Fees in 80 Countries (2023, mit Leserberichten bis 2026)
- ATM Fee Saver: Travel ATM Fee Index 2026, Europa (10.06.2026)