How to Find Surcharge-Free ATMs When Traveling (Avoid Fees)

ATM fees can add up quickly when you’re away from home. Between out-of-network charges from your bank and surcharges from ATM operators, travelers often pay $3–$6 per withdrawal. Fortunately, finding surcharge-free ATMs while traveling is easier than you might think. This guide covers the best tools, networks, and strategies to keep your cash access low-cost no matter where you go.

Quick answer: The fastest way to find a surcharge-free ATM while traveling is to use your bank’s ATM locator, then cross-check for major networks (Allpoint, MoneyPass, and credit union shared networks). If you travel often, consider an account that reimburses ATM fees.

Finding surcharge-free ATMs while traveling can save you significant fees. For the full breakdown of ATM fee rules, visit: ATM Fees Explained.

What “Surcharge-Free” Actually Means

A surcharge-free ATM means the ATM owner is not charging an operator fee for that withdrawal. However, your bank could still charge an out-of-network fee if the ATM isn’t considered in-network for your account.

When both fees are waived (no ATM surcharge and no bank fee), your withdrawal is effectively fee-free.

1. Use Nationwide Banking Networks

Many banks and credit unions belong to nationwide ATM networks that let members withdraw cash with no operator surcharge. The two largest surcharge-free networks in the U.S. are Allpoint and MoneyPass, offering tens of thousands of locations across all 50 states.

See our Allpoint vs. MoneyPass Comparison Guide for a side-by-side look at each network.

2. Check Your Bank’s Mobile App

Most banking apps include an ATM locator tool, and many mark which ATMs are surcharge-free or in-network. Before your trip, open your bank’s app and save a few fee-friendly ATMs near your hotel, airport, or main destinations.

For a nationwide overview of low-fee options, visit our Best No-Fee ATMs Nationwide Guide.

3. Use Credit Union ATM Partnerships

Credit unions often participate in shared ATM networks that give members access to thousands of surcharge-free ATMs nationwide. Look for partnerships like CO-OP Financial Services, which provides broad access across the U.S. for participating institutions.

If you’re a credit union member, your app or website usually lists the shared network(s) your debit card supports.

4. Look for ATMs in Retail Stores

Many surcharge-free ATMs are inside grocery stores, pharmacies, and big-box retailers. For example, Allpoint machines are commonly found in CVS, Walgreens, and other high-traffic retail locations. These often help you avoid the higher fees seen at standalone or tourist-area ATMs.

Our ATM Fee Avoidance Guide explains how to identify fee-friendly machines and avoid getting hit twice.

5. Use Cardless and Contactless ATMs

Many banks now support cardless withdrawals using mobile wallets or bank apps. These ATMs are often within your bank’s footprint (or a supported network), which can reduce the chance of out-of-network fees—especially in major cities.

See our Contactless ATM Transactions Guide for step-by-step instructions.

6. Traveling Internationally?

If you’re traveling abroad, surcharge-free options depend more on your bank’s travel policies and partner access than U.S.-based networks. Some banks waive international ATM fees or refund them after the fact, while others charge both an out-of-network fee and a foreign transaction fee.

To avoid costly conversion prompts and overseas markup traps, use local currency whenever possible and plan withdrawals ahead of time.

Surcharge-Free ATM FAQs

What is a surcharge-free ATM?

A surcharge-free ATM doesn’t charge the additional operator fee. Your bank may still charge an out-of-network fee unless the ATM is considered in-network for your account.

Do Allpoint and MoneyPass ATMs work internationally?

MoneyPass is primarily U.S.-based. Allpoint has some international presence, but availability varies widely by country. Always check your bank’s locator before relying on any network while abroad.

Can I use mobile wallets at surcharge-free ATMs?

Yes. Many banks support cardless access through mobile apps or wallets, and those ATMs are often part of your bank’s supported network.

What are the worst places to withdraw while traveling?

Airport ATMs, tourist-area ATMs, and stand-alone convenience-store machines often have the highest surcharges. Use your bank’s locator and retail network ATMs instead when possible.

Conclusion

Finding surcharge-free ATMs while traveling doesn’t have to be difficult. With the right banking app, nationwide networks, and credit union partnerships, you can avoid unnecessary surcharges and keep more cash in your pocket wherever you go.

Updated January 2026. ATM network access and fee policies vary by bank, location, and account type—confirm details in your banking app before withdrawing.