Withdraw cash in Malta without ATM fees
Yes. Bank ATMs in Malta usually don't charge foreign cards an ATM fee.
BOV, HSBC, APS and MeDirect charge no operator fee.
Our map shows 178 ATMs in Malta. 121 have no known operator fee, 29 charge one and for 28 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | free | 121 | medium |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 29 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 28 | – |
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 Malta?
Yes. Bank ATMs in Malta usually don't charge foreign cards an ATM fee. BOV, HSBC, APS and MeDirect charge no operator fee.
Which ATMs are free in Malta?
Most bank ATMs. The map marks 121 ATMs with no known fee.
Which ATMs should I avoid in Malta?
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: Malta (04/2026)
- ATM Fee Saver: Travel ATM Fee Index 2026, Europa (10.06.2026)
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- ATM Fee Saver: Cash & ATMs in Malta
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)