Out-of-Network ATM Fee
ATM operator fee plus your own bank's foreign ATM fee — the double-charge that quietly costs $5+ per withdrawal.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
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Price and terms
- Typical: $5 per withdrawal
- Typical range: $3–$8
What this fee covers
Combined fee from ATM owner and your bank when using an out-of-network ATM.
Hidden fees to watch
- Bank-side foreign ATM fee
- ATM-side operator fee
- Currency conversion (international)
Ways to pay less
- Use in-network ATMs (bank locator app)
- Charles Schwab checking reimburses all ATM fees globally
- Get cash back at grocery/pharmacy checkout instead
Official source · Last verified 2026-07-04