Withdraw cash in the Netherlands without ATM fees
Yes. Bank ATMs in the Netherlands usually don't charge foreign cards an ATM fee.
Geldmaat (the yellow ATMs) charges no operator fee for EU cards. Cards from outside the EU sometimes pay €4.50–10.
Our map shows 4,776 ATMs in the Netherlands. 4,567 have no known operator fee, 191 charge one and for 18 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | free | 4,567 | medium |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 191 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 18 | – |
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 the Netherlands?
Yes. Bank ATMs in the Netherlands usually don't charge foreign cards an ATM fee. Geldmaat (the yellow ATMs) charges no operator fee for EU cards. Cards from outside the EU sometimes pay €4.50–10.
Which ATMs are free in the Netherlands?
Most bank ATMs. The map marks 4,567 ATMs with no known fee.
Which ATMs should I avoid in the Netherlands?
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: Netherlands (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)
- ATM Fee Saver: Cash and ATMs in the Netherlands
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)