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From the Lonely Planet forums: Transit passengers who do not clear customs will not have access to any ATM in Incheon Airport. The only ATMs at Incheon airport are outside the sacred circle of customs. So if you need cash when you land at Incheon, you have to clear customs. There are two currency exchanges on the transit side that will ...

I've never come across a country where ATM fees varied depending on the location of the ATM. Whilst it's certainly possible that there exist some "private" ATMs in various airports that charge more, but the normal bank-operated ATMs will charge exactly the same fees and give exactly the same exchange rate through-out the country. Specific to Seouls Incheon ...