Withdraw cash in Finland without ATM fees
Preview Only Otto ATMs are rated so far: they charge foreign cards a fee that is shown before you withdraw. The other ATMs are marked “?”.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 30 | medium |
| Otto.Official: the ATM charges foreign cards an access fee; the amount is shown before you withdraw. | fee | 656 | high |
| Bank ATMs (default) | unclear | 260 | – |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 154 | – |
ATMs in popular places
FAQ
Can you withdraw cash for free in Finland?
It depends on the bank. In Finland, some bank ATMs are free and others charge a fee. Fee for foreign cards not yet documented.
Which ATMs are free in Finland?
According to our sources there are only a few free ATMs. The map marks 0 ATMs with no known fee.
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 do I avoid ATM fees in Finland?
Fees are charged mainly by: Otto., Euronet / independent operator (€1.95–4.99). The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Avoid Euronet and other independent operators, especially at airports and in tourist areas. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
All tips for withdrawing cash abroad →