๐ฆ ATM Alliances & Banking Networks
Many banks are part of international alliances or regional networks that allow their customers to withdraw cash from partner ATMs with reduced or waived fees. If your home bank is a member, you could save significantly on ATM charges when traveling.
How alliances work
ATM alliances typically waive the ATM operator's surcharge when you use a partner bank's machine. However, your home bank may still charge its own foreign transaction fee (usually 1-3%). Always check with your bank for the exact terms.
Global ATM Alliance
Association of major international banks
A partnership between major banks worldwide that allows customers to withdraw cash from partner ATMs without paying the ATM operator's surcharge fee. Your home bank's foreign transaction fees may still apply.
Member Banks & Countries
CIMB Regional Link
Southeast Asian banking network
CIMB's regional network allows customers to withdraw from CIMB ATMs across Southeast Asia with reduced or waived fees depending on account type.
Member Banks & Countries
View ATM guides for countries in this alliance:
Maybank Regional Network
Southeast Asian banking network
Maybank customers can access their accounts across Southeast Asia through Maybank's extensive regional network with preferential rates.
Member Banks & Countries
View ATM guides for countries in this alliance:
UniCredit Group Network
European banking network
UniCredit Group provides fee-free ATM access across its European network for account holders, spanning Central and Eastern Europe.
Member Banks & Countries
View ATM guides for countries in this alliance:
Allpoint Network
Interbank surcharge-free ATM network
Allpoint is the world's largest surcharge-free ATM network with over 55,000 ATMs. Participating institutions include Capital One 360, Discover, and many credit unions.
Member Banks & Countries
View ATM guides for countries in this alliance:
JETCO (Joint Electronic Teller Services)
Regional bank consortium
JETCO is a consortium of around 30 banks in Hong Kong and Macau that share ATM networks, allowing customers to withdraw from any member bank's ATM.
Member Banks & Countries
View ATM guides for countries in this alliance:
Ecobank
Pan-African Banking Group ("One Bank" Network)
Ecobank operates across 33 African countries as a single banking group, allowing customers to access their accounts throughout the network.
Member Banks & Countries
Absa Regional Network
African Banking Group
Absa Group (formerly Barclays Africa) operates across multiple African countries, offering customers access to the regional banking network.
Member Banks & Countries
View ATM guides for countries in this alliance:
Arab Bank (Arabi Cross-Border Program)
Middle Eastern Banking Group
Arab Bank's cross-border program allows customers to access their accounts across the Middle East and North Africa region.
Member Banks & Countries
View ATM guides for countries in this alliance:
GCCNET (Gulf Cooperation Council Network)
Regional Interbank Network
GCCNET connects banks across the Gulf states, enabling cardholders to use ATMs throughout the GCC region with standardized fees.
Member Banks & Countries
View ATM guides for countries in this alliance:
OTP Group
Central & Eastern European Banking Group
OTP Group is one of the largest banking groups in Central and Eastern Europe, offering customers access to ATMs across its network with preferential terms.
Member Banks & Countries
View ATM guides for countries in this alliance:
Erste Group
Central European Banking Group
Erste Group is a leading financial services provider in Central and Eastern Europe, offering customers access to over 2,500 ATMs across the region.
Member Banks & Countries
View ATM guides for countries in this alliance:
GNB Sudameris
South American Regional Bank
GNB Sudameris operates in South America, providing customers with access to banking services across Colombia, Paraguay, and Peru.
Member Banks & Countries
View ATM guides for countries in this alliance:
Scotiabank (Latin America Division)
International Bank Network
Scotiabank's Latin American presence allows customers to access banking services across the region. Part of the broader Global ATM Alliance.
Member Banks & Countries
View ATM guides for countries in this alliance: