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Airport ATM limits and fees

ATM Limits and Fees · Currency Exchange Guide · Last checked 22 October 2026

Airport ATM Limits and Fees: What the Sources State

An ATM looks like the simplest fix to a cash problem when you land: a card in and some local money out. Two factors influence whether it will be cheap. One is the fee, which can be a flat amount per withdrawal plus your bank's. The other is the limit, which determines how much one withdrawal can give you and therefore how many withdrawals you need. This page collates the limits and fees our airport guides discovered, states who each one came from, and demonstrates how a limit affects the cost. Almost all of these figures come from travel guides, not from the airports or banks, and they are rarely dated. We read them in October 2026, and fees and limits change, so treat them as hints and consult your own card and the machine.

The short version

What the sources say, airport by airport

Each entry has the figure, who said it and how much to trust it.

Tokyo Haneda. The airport's page on banks and ATMs lists Mizuho, MUFG, Japan Post, SMBC, Seven Bank and others across the three terminals and says that ATMs in the area after immigration limit one withdrawal to 30,000 yen, in units of 1,000 yen. It says other credit cards can be used and gives no details about foreign-issued cards. It names no fee. This is an airport page and is undated.

Tokyo Narita. The airport's ATM page lists SevenBank, Chiba Bank, Japan Post Bank, MUFG, AEON Bank, Keiyo Bank and SMBC and says that one SevenBank operation allows a withdrawal up to 30,000 yen. It says that hours depend on the card used and does not say which machines take foreign cards or their charges. It is an airport page, undated, and we read it in Traditional Chinese.

Taipei Taoyuan. A travel blog (Uptogo, May 2026) says that foreign-currency ATMs dispense US dollars, Hong Kong dollars, Japanese yen and Chinese yuan, capped at around NT$20,000 equivalent per withdrawal. It is the only source for the cap. No fee was found.

Bangkok Suvarnabhumi. Two 2026 guides put the machine fee at around 220 baht per foreign card withdrawal, on top of your own bank's, and one says that machines usually allow 20,000 to 30,000 baht per withdrawal. By our arithmetic, 220 baht on a 5,000 baht withdrawal is 4.4%, and on 20,000 baht, 1.1%.

Jakarta. Zafigo, a travel site, says that ATMs at all international terminals take Cirrus, Maestro and Visa cards, that withdrawals are capped at IDR 3 million and that the rate is the current bank rate. It gives no fee.

Siem Reap and Phnom Penh. A Cambodian guide (The Traveler) says that several banks operate ATMs in the arrivals hall, dispensing US dollars, riel or both, with a fixed fee of around 4 to 6 US dollars per withdrawal on top of your own bank's fees. Another guide gives the same range and recommends fewer, larger withdrawals. At Phnom Penh's Techo airport, Canadia Bank's announcement says that self-service machines in the arrival hall run around the clock.

Hanoi and Ho Chi Minh City. EntryVN says that most Vietnamese ATMs charge 30,000 to 66,000 dong per transaction and suggests withdrawing 500,000 to 1,000,000 dong for the first day. THAIest says that withdrawals usually cost more than exchanging cash, because of your home bank's rate and fees and the Vietnamese bank's fee. The Hanoi airport page gives no fees or limits.

Manila and Cebu. Spot.ph mentions local ATM fees of around 250 pesos plus international charges as a comparison point. THAIest says that an ATM costs the exchange rate, your bank's foreign withdrawal fee and, in most cases, a fee from the Philippine bank. We found no airport figures.

Delhi. TravelCurrencyGuide (May 2026), a site with affiliate links, says that SBI, HDFC, ICICI and Axis ATMs are in the arrivals area at Terminal 3, that foreign-card fees run 125 to 250 rupees at HDFC, ICICI and Axis and that SBI often waives the fee on the first five withdrawals each month.

Bengaluru. A guide with affiliate links and no named sources says that HDFC, ICICI, Axis and State Bank of India ATMs are in the arrivals areas, that foreign-card withdrawals are commonly capped around 10,000 rupees per transaction and that machines often add a per-withdrawal fee.

Amsterdam Schiphol. Wise's guide says that withdrawal limits vary by operator, that foreign-issued cards may be limited to a few hundred euros and that your bank may have its own limits. It adds that GWK Travelex does not state on its website whether withdrawals carry fees.

Istanbul. Turkey Travel Planner says that ATMs are available at the airport and recommends using one if you can withdraw cash for free, and warns in general advice that bank ATM fees can be as high as 2% to 3% or more.

Singapore Changi. Changi's ATM page lists ATMs by terminal and bank, open 24 hours daily, and gives no fees or limits.

What the numbers tell us

The sources agree on a pattern. Where a fee is stated, it is mostly a flat amount per withdrawal, with a percentage fee in a few cases. Where a limit is stated, it is a cap on one withdrawal. The two interact.

A flat fee is a bigger slice of a small withdrawal. A cap sets the largest withdrawal. If the cap is low, you may need several withdrawals for the same cash. The Delhi guide's per-withdrawal range, the Cambodian dollar fee and the Bangkok baht fee are all per withdrawal, so repeated small withdrawals stack them.

The Indian sources add another layer. HappyFares (2026) says that debit cards charge 2% to 3.5% plus 100 to 300 rupees per ATM withdrawal. BookMyForex's 2023 comparison lists bank forex-card ATM fees at the equivalent of US$3 to 7. Wise's card page lists ATM withdrawals as free up to 200 US dollars a month and then 1.40 dollars plus 3.25%. These are product terms from different dates, not airport fees, and are examples of how your card's own terms add to the machine's.

A made-up example

The figures below are invented. They only illustrate how a limit and a flat fee combine.

Say you need 90,000 units of local currency. The machine allows 30,000 per withdrawal and charges a flat 220 units per withdrawal. Your own bank charges nothing extra, to keep the arithmetic plain.

Your own bank's fee and markup would come in on top of each. The flat fee and the caps are invented. The point is that a low cap raises the cost, and so does a high flat fee on a small amount.

Debit cards, credit cards and the cash advance

The type of card changes the cost more than the airport does. On a debit card, the sources describe a foreign transaction markup, a flat ATM fee and the machine operator's own fee. On a credit card, a cash withdrawal is usually treated as a cash advance.

Business Standard, as summarised in our forex card guide, gives a cash advance fee of 2.5% to 3.5% plus interest. BankBazaar (updated 21 October 2026) and Business Standard (2024) say that interest on cash withdrawals is typically 30% to 45% a year and that most cards charge it from the day of withdrawal. BankBazaar names IDFC FIRST Wow as charging 199 rupees plus GST per withdrawal with interest-free withdrawal for up to 45 days and Axis Burgundy Private as charging no withdrawal fee or interest until the due date.

A made-up example illustrates the shape of the cost. The figures are invented.

A debit card's cost depends on its own markup and ATM fee, which is why we recommend reading the fee document rather than a general rule.

What a fee screen can and cannot tell you

Visa's page on dynamic currency conversion says that merchants and ATMs must let you accept or decline the conversion, must not choose for you, and must display the exchange rate and any additional fees or markup. So the screen should show the amount in both currencies, the rate and the fees when it offers to convert.

What the screen does not show is your own bank's fee. That appears later, on your statement. For that reason, a machine's low fee does not make the withdrawal cheap, and a high one does not always make it expensive. Compare two things: the total on your statement and the mid-market value of the cash you received.

If a screen shows only a fee and not the rate, you are looking at part of the cost. Ask the card issuer for its markup, or check the statement after the first withdrawal and use it as a guide for the rest of the trip.

Where airports can differ from city machines

We found no measured comparison between an airport ATM and a city one. The sources point to a few possible differences, none confirmed:

Each of these is a reason to look at the machine before you decide, not a rule.

What we could not confirm

How to find your own cost

This is our advice, not a sourced fact.

  1. Open your card's fee document and note the foreign transaction markup, the ATM fee and the cash-advance terms.
  2. At the machine, read the fee on the screen before you confirm. If it asks whether to charge you in your home currency, choose the local currency.
  3. Compare the cost of one larger withdrawal against several small ones, using the limit you see.
  4. Take only the cash you need for the first hours if you can use a card elsewhere.
  5. Keep the receipt or the app record, and check the amount charged against the mid-market rate.

Our guide to ATMs versus forex cards covers how card fees stack, and our guide to dynamic currency conversion explains the home-currency prompt. A 2016 study of 1,500 ATM withdrawals by a Norwegian bank found that paying in the home currency cost more in 99.7% of cases, with the biggest gap at 12.4% against Visa's official rate. It covered one bank and one region.

A simple plan

  1. Check your card's fees before you fly, and find out whether it waives any ATM fee abroad.
  2. At the airport, look for the machine's fee on the screen and the withdrawal limit.
  3. Choose the local currency if offered a choice.
  4. Withdraw enough for the first hours, balancing a flat fee against the amount of cash you want to carry.
  5. If the limit is low or the fee is high, compare it with a counter's final amount and the mid-market rate.

FAQ

Is there a standard limit at airport ATMs?
No. The limits we found are in different currencies, from around 10,000 rupees to IDR 3 million, and each depends on the machine and sometimes your card.

Do airport ATMs charge more than city ones?
We found no measured comparison. Wise's Doha page says airport ATMs are famous for high markups, with no data.

How is the fee charged?
The sources mostly describe a flat fee per withdrawal, sometimes with a percentage fee.

Which fee matters more, the machine's or my bank's?
Both apply. Your bank's terms are in your card's fee document.

Should I decline the home-currency option?
Visa's guidance says you can decline it, and the 2016 study found it cost more in nearly all the cases it checked.

Sources and how we checked them

Checked on 22 October 2026. Where we call something confirmed, an official source says so directly or at least two sources agree. Most fee and limit figures come from guides and are not dated.

Editorial note: The counter, rate and airport information in this guide is editorial and is not paid for. Rates and fees change, so confirm the final rate at the counter before exchanging.

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