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ATMs in Greece: Avoiding Fees
By the iLoveGreece editorial team · Last reviewed 2026-11
Quick answer
Use ATMs belonging to Greek banks (National Bank, Piraeus, Alpha Bank, Eurobank) rather than independent machines in tourist areas, which often charge more. Always decline the machine's offer to convert to your home currency and choose to be charged in euros. Some Greek banks also charge a fixed fee per withdrawal; the screen shows it before you confirm, so take out larger amounts less often.
Avoiding fees
- Choose 'without conversion' or 'in EUR' when the ATM offers to charge you in your currency: its rate is worse.
- Independent brands in tourist streets and airports usually have the highest fees.
- Check what your own bank charges abroad; travel-friendly cards often have no fee.
- Take out enough for a few days at a time to limit fixed fees.
Cash or card?
- Cards are widely accepted, and most businesses must accept cards by law.
- Carry some cash for kiosks, small tavernas, beach bars, bus tickets on islands and tips.
- On small islands there may be only one or two ATMs, and they can run out in August.
- Keep a backup card in a different place from your main one.
Safety
- Prefer ATMs inside bank branches or in busy, well-lit places.
- Cover the keypad and watch for anything attached to the card slot.
- If a machine keeps your card, call your bank straight away.
FAQ
Which ATMs are free in Greece?
Few are completely free for foreign cards. Greek banks' own ATMs are usually cheaper than independent ones; check the fee on the screen before you confirm.
Should I choose euros or my home currency at an ATM?
Always euros. Letting the machine convert gives you a poor rate.
Do I need cash in Greece?
A little. Cards work almost everywhere, but small places, buses and tips are easier with cash.
Related guides
Updated 2026-11. General planning guidance. Check with operators and local authorities.