Can someone recommend a good ATM card to obtain for an American going to Europe. Specifically, I'm going to England/Wales if that makes a difference.

To give back, I mention that I have a Amazon Prime Rewards Visa that is extremely good for credit card transactions in Europe (no fees!). I used it exclusively in France. However, I feel it's sometimes necessary to get cash and the ATM cards I have charge something like $10 minimum + 3-5% transaction fee PLUS whatever the local ATM machine charges. The Amazon card also charges considerable fees if used as a debit card at an ATM.

I do plan to take some cash with me, but I don't like to carry huge amounts. As an aside, if someone has recommendations how to get British pounds before the trip, please let me know also. I currently use Chase Bank.

Many thanks! Dave

  • Wow, these are insane fees. Happy not to live in the US. P.S.: AFAIK as I know ATMs in Europe (the places I can think of) don't charge fees on VISA transactions beyond what the card issuer charges.
    – npl
    Commented Jul 15, 2018 at 22:07
  • 2
    Chase's ATM fees are such a rip off. Have you looked into opening an account at a local credit union? Mine has no foreign ATM fees and only a 1% foreign transaction fee.
    – jdouglas
    Commented Jul 15, 2018 at 23:57
  • I use mostly citibank cards, and have never been charged by them for using a non-citi ATM. Most travel credit cards (eg airline or hotel co-branded) will not have any of that BS.
    – Calvin Li
    Commented Jan 25, 2019 at 19:12

1 Answer 1


Like jdouglas's comment, my local credit union in the US gives me an ATM card that has no ATM fee within the US and a 1% fee for ATMs outside the US. (I checked afterwards and calculated that there's no hidden fee baked into the exchange rate.) In Europe I found some ATMs with no fees, so I only paid 1% total fees. Hope you can find the same!

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