Withdrawing cash: limits, hours and notes

Three things limit a withdrawal: your balance, your bank's limit and the machine itself. A Dutch ATM counts notes, so the machine can refuse an amount your bank would allow.

The machine’s limit

Geldmaat never pays out more than €5,000 at a time, and the number of notes depends on the machine:

• small machines, such as those in supermarkets: at most 15 notes per withdrawal;
• machines in outside walls that only dispense cash: at most 40 notes;
• machines that also take deposits, in outside walls and in bookshops: at most 100 notes.

If an amount is refused although your limit allows it, take it out in parts or use a larger machine. With a foreign card each withdrawal costs a fee, so fewer, larger withdrawals are cheaper: see ATM fees.

Your bank’s limit

Your card issuer sets a daily or weekly limit. For Dutch bank accounts, ING’s default is €500 a day (up to €5,000 on request), and ABN AMRO allows up to €10,000 a day and €2,000 per withdrawal. With a foreign card, your own bank’s limit applies.

Can I withdraw cash at night?

Usually not. In December 2019 banks and Geldmaat switched off ATMs in outside walls between 11 pm and 7 am to prevent explosive attacks, and most machines still keep hours like these. Our data reports both cash withdrawals and 24-hour access at 3 locations. This is not a complete count of overnight ATMs in the Netherlands. Access hours do not establish whether a machine is working or has cash. Machines inside a shop follow the shop’s hours; use Open now in the finder late in the evening.

Which notes will I get?

Usually €10, €20 and €50 notes. 211 machines on this map also give €5 notes. During May and June 2026 Geldmaat began a six-month trial of €100 notes in 46 Geldmaat shops (not Tilburg): one machine in each shop dispenses them, only when you choose them. Smaller shops do not always accept €100 and €200 notes.

Contactless withdrawals

At machines with an NFC reader you hold your card, phone or watch against the reader and then enter your PIN. Whether it works depends on your bank, in the Netherlands or abroad. 2,920 machines on this map support it.

Contactless withdrawals: bank support and finding a suitable ATM.

If something goes wrong

If money was taken from your account but you received none, Geldmaat says it is usually refunded within minutes. If not, contact your bank with the time, date and machine number. Geldmaat destroys retained cards and cannot return them; ask your bank for a new one.