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'Charge in EUR or Your Currency?' The ATM and Card Question in Greece
Why you should always choose euros at Greek ATMs and card machines.
By the iLoveGreece editorial team · Last reviewed 2026-11
Quick answer
Always choose to be charged in euros (EUR). If an ATM or card machine offers to convert into your home currency, it uses its own exchange rate, often several percent worse. Independent cash machines in tourist areas tend to add high fees, so prefer ATMs attached to Greek banks.
What to know
- Look for ATMs of Greek banks such as National Bank, Piraeus, Alpha or Eurobank.
- Read the fee screen before confirming; cancel if it looks high.
- Decline 'guaranteed rate' or 'conversion' offers and choose EUR.
- Your own bank may also charge a fee; check before you travel.
- On small islands ATMs can run out of cash on busy days, so carry some.
FAQ
Is choosing my home currency ever cheaper?
Rarely. Paying in euros and letting your own card do the conversion is usually cheaper.
Do Greek bank ATMs charge fees?
Some do for foreign cards. The fee is shown on screen before you confirm.
Related guides
Updated 2026-11. General planning guidance. Check with operators and local authorities.