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I am about to travel in Europe within some euro zone countries. Also, I am from a euro zone country (still) and all my bank accounts are in euro. I have debit and credit Visa and Maestro cards.

My question is, if there is any kind of fee that I must pay to withdraw money from ATMs, using these cards.

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You should ask your bank and tell them specifically where you want to go and the amount of money that they allow you to withdraw. cheers! – user2914 Aug 6 '12 at 16:48
In general: Yes, there are fees. For example, my (German) bank charges a €5 fee if I use another bank's ATM. – nibot Aug 7 '12 at 14:35
up vote 14 down vote accepted

In general, when using your card abroad you get charged (some) of the following fees

  1. Currency exchange fee
  2. A fee levied by your bank for using your card abroad
  3. A fee levied by the ATM operator

In your case (1) will not apply because the currency is the same, but (2) and (3) might still apply. (2) you need to check with your bank, and you should be informed about (3) by the ATM. From personal experience, (3) is not very common in Europe.

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Per cross-border payments in Euro within the Eurozone must not be treated differently from national (inter-bank) transactions in Euro. This also applies to ATM fees.

This means that your bank is only allowed to charge fees similar to those for national ATM use at another bank.

Examples from my experience:

  • a German Sparkasse account of mine would charge €2.50 per each use of the ATM at a non-Sparkasse bank within Germany, which meant that I would be charged €2.50 also elsewhere in the Eurozone

  • my Austrian account does not have any ATM charges within Austria (as most Austrian accounts do), so I don't pay any fees in other Euro countries

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I'm quite sure that within the Eurozone, the cost of international Euro withdrawals are not allowed to exceed the cost of national Euro withdrawals (when using regular bank cards and regular banks). So, the maximum you can get charged is what you get charged at home. I did a quick search, this Wikipedia page seems to back this up:

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I live in the Netherlands. I used my Dutch card to withdraw money from ATMs in France, Italy and Germany. I have never paid anything for that...But it surely depends on your bank and on the country you are in. Where are you from?

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