Withdraw cash in Estonia without ATM fees
Yes. Bank ATMs in Estonia usually don't charge foreign cards an ATM fee.
Swedbank, SEB, LHV and Luminor charge no operator fee.
Our map shows 496 ATMs in Estonia. 482 have no known operator fee, 4 charge one and for 10 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | free | 482 | medium |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 4 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 10 | – |
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 Estonia?
Yes. Bank ATMs in Estonia usually don't charge foreign cards an ATM fee. Swedbank, SEB, LHV and Luminor charge no operator fee.
Which ATMs are free in Estonia?
Most bank ATMs. The map marks 482 ATMs with no known fee.
Which ATMs should I avoid in Estonia?
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: Estonia (04/2026)
- ATM Fee Saver: Travel ATM Fee Index 2026, Europa (10.06.2026)
- ATM Fee Saver: Cash and ATMs in Estonia
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)