ATM charges in Vienna?

Hi,

I will be carrying some cash but traveling with my debit and Visa card. I have a debit card from my Vancouver, BC credit union and I%26#39;m wondering what the service charges are like in Vienna.

I heard if I use a credit union ATM there is no service charge or a lesser charge.

Thanks a lot!

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Well, we Austrians don%26#39;t pay any surcharges levied by the ATM operator - but no idea wether they do it with foreign cards. At least there is no information at the ATMs.

But your home bank is likely to charge a fee for the international transaction.

In the United States I recently paid between 2 and 4 dollars extra to the fees charged by my bank in Austria.

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The only bank which charges you is YOUR bank! Not the bank of the ATM you use.

So best is to contact your bank and ask them about the fees. There are also no ATMs in Europe that charge an extra-fee (ATMs that are not in a bank) like in the USA.

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yes there are some ATMs charges in Europe eg in Germany. Some ask as high as 5 Euro but none in Austria

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There can be charges... but they are only charged by the home bank. So they are where one can get information on charges.

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No, there are charges levied by the ATM operator by just adding a fixed amount to the requested one. The home bank will only see that you have withdrawn e.g. 402€, but they don%26#39;t know that you have only got 400€. The fee is calculated for the total amount.

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I have generally found that fees levied by the ATM operator have to be shown on screen before you confirm the transaction. In some countries I have found these to vary greatly so if the first ATM you try shows a fee it could be worth trying another one.

I can%26#39;t imagine that all ATMs in Vienna/Austria can be free as those provided privately by shops, filling stations etc have to make a profit somehow. Those operated by banks may be free, but possibly not to all card holders.

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I did this in the United States, from where I returned some weeks ago. In the French Quarter of New Orleans I couldn%26#39;t find an ATM charging less than 4$. I crossed Canal Street towards the Business/Warehouse District and found one for only 2$. In Houston I did not pay for my withdrawal. I also remember not paying in the North-Eastern part of the US.

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%26gt;%26gt; can%26#39;t imagine that all ATMs in Vienna/Austria can be free as those provided privately by shops, filling stations etc have to make a profit somehow.

All ATMs in Austria are owned by a bank and most of the time connected to a bank (even though you can find ATMs at airports, rail stations, shopping centres without a bank, but the ATMs belong to a specific bank.

Every customer of any austrian bank can withdraw money from any ATM inside of Austria and inside the Euro-Zone (so all countries which use the Euro) for free.

Mikey, ATMs in the USA often even charge you a surcharge (most of the time ATMs not connected to a bank office). This is what is shown on the screen and has to be accepted by the user.

Your home bank will charge you the usual charges and the surcharge (local US-ATM) is usually shown on the bank statement and will be added.

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Mikey, I know what you mean. I think the worst ATM we ever found in the States was in the Bellagio in Las Vegas where they wanted $10 for a withdrawal! Absolutely scandalous!!

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And in general: the charges of your home bank will be divided to the home bank and the local bank (so the ATM you use abroad). But the home bank is the one which is setting the charges.