Euronet and other independent ATMs

Besides the Geldmaat network, the Netherlands has independent cash machines, most of them where tourists go. Euronet is the best known. They accept foreign cards, but they set their own withdrawal fee and offer their own currency conversion, so the same €100 can cost noticeably more than at a Geldmaat.

How many there are

De Nederlandsche Bank counted 5,122 ATMs in the Netherlands in 2023: 3,857 run by Geldmaat and 1,265 by independent operators. By 2024 the independents were down to 1,120, partly because GWK Travelex closed its machines at railway stations in April 2024. DNB says independent operators mainly place machines at busy spots with many tourists.

Our map is built mostly from Geldmaat’s location data and OpenStreetMap. It includes only 35 Euronet and 17 YourCash machines, so most independent machines are not on it. A machine you find through this site is almost always a Geldmaat.

How to recognise one

Betaalvereniging Nederland, the Dutch payments association, says non-bank machines stand mainly in cities and places visited by foreigners, and are recognisable by a sign that just says “ATM”. Geldmaat machines carry the Geldmaat name. If the machine or the start screen shows another brand, such as Euronet, YourCash or Travelex, expect different prices.

What they charge

Euronet describes two costs. An access fee is “a flat fee applied on each withdrawal transaction charged by the ATM provider”, on top of anything your bank charges. Dynamic currency conversion offers to charge you in your own currency at an exchange rate that, in Euronet’s words, “includes a markup”. Euronet does not publish its Dutch fee amounts; its annual report lists surcharges and conversion margins among its ATM revenue.

What the screen has to tell you

Two rules protect you at any ATM in the European Union:

• The machine must show all of its own extra charges clearly before you confirm the withdrawal.
• Since 19 April 2020, a machine that offers currency conversion must state the total conversion cost as a percentage above the latest European Central Bank reference rate. It must also tell you that you can be charged in euros and let your own bank convert (EU Regulation 2019/518).

What to press

1. Read the fee screen. If you cancel before confirming, nothing is withdrawn.
2. Decline the conversion. Choose to be charged in euros, sometimes labelled “without conversion”. Your own bank then converts at its rate.
3. Compare with Geldmaat. A Geldmaat machine charges a foreign card a fixed €4 (EEA) or from €4.50 (elsewhere), and conversion is optional there too. Find the nearest one.

Amsterdam’s attempt to remove them

In January 2019 Amsterdam’s city centre district stopped issuing permits for new ATMs in shop façades. According to NOS, existing machines could stay, and holders of a Dutch bank card could use them for free. In November 2021 the district ordered Euronet to remove 30 machines and five advertising signs from the centre within three months, arguing that they broke the zoning plan (NH Nieuws). In August 2022 the Council of State ruled, in a case about a cash machine on Spuistraat, that an ATM is not a business premises people can enter, so the zoning rule against tourist services did not apply to it. We found no reliable figure for how many machines were eventually removed.

More: ATM fees in the Netherlands · money in the Netherlands for visitors.