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 free no matter where you go.
1. Use Nationwide Banking Networks
Many banks and credit unions belong to nationwide ATM networks that let members withdraw cash with no fees. 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. Some even allow you to filter for surcharge-free machines, deposit-enabled ATMs, or drive-through locations. Before your trip, download your bank’s app and mark fee-free ATMs near your hotel, airport, or main destinations.
For nationwide fee-free ATM 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 free ATMs nationwide. Look for partnerships like CO-OP Financial Services, which offers over 30,000 surcharge-free ATMs across the U.S.
4. Look for ATMs in Retail Stores
Some ATMs in grocery stores, pharmacies, and convenience stores belong to surcharge-free networks. For example, Allpoint ATMs are commonly found in CVS, Walgreens, and Target locations. These machines often avoid the extra $3–$5 fee that standalone ATMs charge.
Our ATM Fee Avoidance Guide explains how to identify these locations.
5. Use Cardless and Contactless ATMs
Many banks now support cardless transactions using mobile wallets like Apple Pay or bank-specific apps. These ATMs are often part of surcharge-free networks because they belong to the same banks offering contactless options.
See our Contactless ATM Transactions Guide for step-by-step instructions.
6. Check for International Fee Partnerships
Some banks waive fees for international ATM withdrawals if you use partner banks overseas. For example, certain U.S. banks partner with Canadian, European, or Asian banks to eliminate foreign ATM charges. Check your bank’s website for a list of global partners before traveling abroad.
Surcharge-Free ATM FAQs
What is a surcharge-free ATM?
A surcharge-free ATM does not charge you the additional operator fee on top of any fees your own bank might charge. Many networks and credit unions offer fee-free machines nationwide.
Do Allpoint and MoneyPass ATMs work internationally?
Allpoint ATMs are available in multiple countries, while MoneyPass is primarily U.S.-based. Check the network’s website for location maps before traveling abroad.
Can I use mobile wallets at surcharge-free ATMs?
Yes. Many banks now combine cardless technology with surcharge-free networks for added convenience and security.
Related Guides
- How to Avoid ATM Fees Guide
- Best No-Fee ATMs Nationwide Guide
- Allpoint vs. MoneyPass Comparison Guide
- Contactless ATM Transactions Guide
Conclusion
Finding surcharge-free ATMs while traveling doesn’t have to be difficult. With the right banking apps, nationwide networks, and credit union partnerships, you can avoid expensive fees and keep more cash in your pocket wherever you go.