Withdraw cash in Portugal without ATM fees
Yes. Bank ATMs in Portugal usually don't charge foreign cards an ATM fee.
Multibanco bank ATMs: according to travel reports from 2023–2026 usually no operator fee. Multibanco itself says fees for foreign cards are possible; they are shown before the withdrawal.
This assessment is still uncertain because there are few recent sources. Check the screen at the ATM.
Our map shows 4,450 ATMs in Portugal. 2,854 have no known operator fee, 242 charge one and for 1,354 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | free | 2,854 | low |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 242 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 1,354 | – |
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 →
Traveller reports
| Date | Bank | Result | Source |
|---|---|---|---|
| 2026-04-19 | alle Betreiber | free | Vielfliegertreff |
| 2026-02-27 | Multibanco | see source | Tripadvisor |
| 2025-09-10 | Multibanco | free | Camino-Forum |
FAQ
Can you withdraw cash for free in Portugal?
Yes. Bank ATMs in Portugal usually don't charge foreign cards an ATM fee. Multibanco bank ATMs: according to travel reports from 2023–2026 usually no operator fee. Multibanco itself says fees for foreign cards are possible; they are shown before the withdrawal.
Which ATMs are free in Portugal?
Most bank ATMs. The map marks 2,854 ATMs with no known fee.
Which ATMs should I avoid in Portugal?
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
- MULTIBANCO (SIBS): FAQ – Gebühren für ausländische Karten
- Rick Steves Forum: Reasonable ATM fees? (Portugal, 2023)
- Travel Currency Guide: ATMs in Lisbon (05/2026, nennt ca. 2,95–3,50 €)
- Travel Currency Guide: Portugal (07/2026)
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026