How to Withdraw Money Abroad Without Fees in 2025: Smart Methods

How to avoid ATM fees abroad in 2025

If you travel frequently or live abroad, the issue of how to withdraw money abroad without fees becomes especially relevant. Many people face unexpected charges when using cards in foreign countries. Today, there are real ways to reduce ATM costs, especially within the EU and popular travel destinations. This article covers the most cost-effective tools — from multi-currency cards to partner ATMs and prepaid solutions.

📌 This article complements the international card and cash withdrawal guide: How to Open a Bank Account in the EU in 2025 – Step-by-Step for Expats and Travelers.

Table of Contents

• Prepaid Cards – travel prepaid cards
• Multicurrency Accounts – mobile banking with multicurrency support
• Cashback Cards – reward and cashback options
• Partner ATM Networks – fee-free partner ATMs
• Local ATM Fees – comparing regional ATM charges
• Personal Experience Example
• Comparison Table of Cards
• Summary
• Frequently Asked Questions

Prepaid Cards – travel prepaid cards

Using international fees can be minimized with prepaid cards. These allow you to set limits and control cash withdrawal costs.

Pros:

• Fixed exchange rate without hidden markups
• Easy to top up online from mobile
• Safe — theft won’t affect your main account

Cons:

• Possible monthly maintenance fees
• Lower withdrawal limits than credit cards

The next method offers more convenience for travelers.

Multicurrency Accounts – mobile banking with multicurrency support

With international bank card ATM fees, most are waived when using a multicurrency account in the EU.

Pros:

• Auto-exchange at interbank rate
• Supports 30+ currencies for travel
• App control with instant notifications

Cons:

• Some banks charge for top-up currency conversion
• Card activation can take 24 hours after registration

Now let’s review cashback cards.

Cashback Cards – reward and cashback options

Where to withdraw cash abroad without overpaying — cashback cards may offer solutions for withdrawals and purchases.

Pros:

• Up to 2% cashback on travel and ATM use
• Coverage of ATM fees up to a limit
• Bonus accrual on currency exchange

Cons:

• Cashback may not apply in all countries
• High annual fees can offset the gains

Next, using partner ATMs.

Partner ATM Networks – fee-free partner ATMs

Many banks offer zero-fee withdrawals through their Partner ATM Networks across Europe.

Pros:

• Withdraw without fees at partner ATMs
• Online partner lists available via app
• Secure transactions guaranteed

Cons:

• Limited to EU countries
• Non-partner withdrawals may incur charges

Final method – comparing local ATM charges.

Local ATM Fees – comparing regional ATM charges

To choose the best withdrawal method, research international fees and local ATM charges.

Pros:

• Allows early knowledge of withdrawal fees
• Reduces risks of hidden charges
• Helps with trip budget planning

Cons:

• Fees may change without notice
• Requires monitoring before each trip

Let’s conclude with a personal example.

Personal Experience Example

Used a Revolut multicurrency card in Germany, Czech Republic, and Poland. Withdrew up to €200/month free at Deutsche Bank and Česká Spořitelna ATMs. In Poland, a minor fee appeared only after exceeding the limit. Card payments were fee-free with accurate exchange rates. Instant top-ups and currency control were major advantages.

Below — comparison of all methods.

Comparison Table of Cards and Methods

Transition: Let’s summarize key points.

Summary

• Multicurrency cards help avoid conversion fees and manage spending abroad.
• Prepaid cards are useful for short trips or younger users.
• Cashback cards may return some expenses, depending on country.
• Partner ATM networks offer fee-free withdrawals across the EU.
• Reviewing local ATM fees in advance helps plan expenses.

Frequently Asked Questions (FAQ)

📚 See also:

How to Open a Bank Account in the EU in 2025 — Step-by-Step Guide for New Residents and Expats.

Sources:

• European Central Bank – ATM Fees Across EU
• Revolut Help Centre
• Wise Global Fees & ATM Charges