ATM Fees in Austria
Euro (EUR) • Updated April 2026
Austria has reliable ATM coverage with most bank ATMs free for foreign cards. Like Germany, Austria is more cash-oriented than other Western European countries, especially in traditional restaurants and rural areas.
Tips for Austria
- • Bank Austria, Erste Bank, and Raiffeisen ATMs are widely available
- • Vienna is more card-friendly than rural areas
- • Many traditional restaurants and heurigers (wine taverns) prefer cash
- • Always have some cash for tips and smaller purchases
Airport tips
- • Vienna Airport has Bank Austria and Erste Bank ATMs
- • CAT (City Airport Train) tickets can be bought by card
- • Regular S-Bahn to city accepts cards at machines
- • Taxis accept cards
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Austria, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $66.52-126 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $204-379 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $537-1,039 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Austria.
Credit card acceptance
GoodCard acceptance is good in Austria, especially in Vienna. However, many Austrians prefer cash and some traditional establishments are cash-only.
Regional differences
- • Vienna: Good card acceptance, improving
- • Salzburg and tourist areas: Good acceptance
- • Rural areas: Cash often preferred
You'll need cash for
- • Traditional restaurants and heurigers
- • Markets and small shops
- • Some ski resort services
- • Tips
- • Smaller cafes
Cards usually accepted
- • Hotels and modern restaurants
- • Supermarkets
- • Public transport tickets
- • Major attractions
- • Chain stores
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank Austria | 0 EUR | 0% | Visa/MC rate | 0 USD | 400 | — |
| Erste Bank | 0 EUR | 0% | Visa/MC rate | 0 USD | 900 | — |
| Raiffeisen | 0 EUR | 0% | Visa/MC rate | 0 USD | 1,500 | — |
| BAWAG | 0 EUR | 0% | Visa/MC rate | 0 USD | 500 | — |
| Euronet | 4-5 EUR | 0% | +5-7% | ~8.00 USD | 300 | Avoid - high fees |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Raiffeisen | 0 EUR | 0% | Visa/MC rate | 0 USD | 1,500 | — |
| Erste Bank | 0 EUR | 0% | Visa/MC rate | 0 USD | 900 | — |
| BAWAG | 0 EUR | 0% | Visa/MC rate | 0 USD | 500 | — |
| Bank Austria | 0 EUR | 0% | Visa/MC rate | 0 USD | 400 | — |
| Euronet | 4-5 EUR | 0% | +5-7% | ~8.00 USD | 300 | Avoid - high fees |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Austria:
View all ATM alliances →