ATM fees in the Netherlands

Geldmaat charges no operator surcharge for withdrawing notes with a card from a Dutch bank. Your bank may still charge withdrawal fees. For foreign cards, Geldmaat's surcharge depends on the issuing country and sometimes the amount withdrawn; your bank's charges are separate.

What Geldmaat charges per withdrawal

For cards from outside the EEA the fee rises with the amount withdrawn:

Take out fewer, larger amounts

The fee is charged per transaction. With a UK or US card, one withdrawal of €400 costs €4.50 in Geldmaat fees; four withdrawals of €100 cost €18.

The machine itself may stop you before your bank does. Geldmaat says small machines, such as those in supermarkets, give out at most 15 notes per withdrawal, and machines in outside walls that only dispense cash give at most 40. If an amount is refused, try a smaller one or a larger machine, such as one in a Geldmaat shop.

Pay in euros, or let the machine convert?

If your card is in a currency other than the euro, the machine may offer to show and charge the withdrawal in your own currency. This is dynamic currency conversion (DCC). If you accept, Geldmaat charges a percentage instead of the fixed fee. Its Dutch service page gives 7%; its English FAQ still says 5.5%.

At either rate the conversion usually costs more than the fixed fee. On €200 with a UK card, the fixed fee is €4.50. Converting costs €11 at 5.5% or €14 at 7%, and Geldmaat’s exchange rate applies instead of your bank’s. Choosing euros is only worse if your own bank’s conversion markup is larger than that; your card terms state it.

At the machine: when asked, choose to be charged in euros (“without conversion”).

What your own bank charges

Geldmaat’s fee is separate from your card issuer’s. Many banks add a foreign transaction fee, a fixed fee per ATM withdrawal abroad, or both. Credit cards often count a cash withdrawal as a cash advance, with its own fee and interest from the day you take the money out. None of this appears on the Dutch machine’s screen, so check your card terms before you travel.

Dutch cards can also incur bank charges. For example, ABN AMRO’s standard current account charges €5 plus 0.5% per withdrawal above its €17,500 annual cash-withdrawal threshold; student and youth accounts have lower thresholds. Check ABN AMRO’s terms and examples.

Other operators

A small number of machines belong to other companies. In the data behind this site, 3,859 of 3,952 reported locations are Geldmaat. Euronet, with 35 reported machines, is the largest of the rest; it sets its own fees and conversion offers. See Euronet ATMs in the Netherlands for how to recognise one and what to choose on screen.

Is any ATM free?

For a Dutch card, Geldmaat charges no operator surcharge for withdrawing notes, but your bank may charge. For foreign cards, check the table above and the fee shown before confirming. Geldmaat lists no operator surcharge above €2,450 for non-EEA cards without conversion; your bank and the machine may limit the amount you can withdraw. Some cards refund operator fees; check your card’s terms.

More for visitors: money in the Netherlands, from cards to tipping · withdrawal limits, opening hours and notes.