ATM Fees in Estonia
Euro (EUR) • Updated April 2026
Estonia is one of the world's most digital societies. Cards and mobile payments are accepted virtually everywhere. The country is essentially cashless - even small kiosks accept cards.
Tips for Estonia
- • Cards accepted everywhere - cash rarely needed
- • Contactless payments standard
- • Even small purchases can be made by card
- • Mobile payments widely accepted
- • Tipping not expected but appreciated
Airport tips
- • Tallinn Airport is fully card-friendly
- • ATMs available but rarely necessary
- • All services accept contactless payment
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 Estonia, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $58.35-113 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $152-292 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $338-665 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Estonia.
Credit card acceptance
ExcellentOne of the most cashless societies. Cards and digital payments accepted virtually everywhere.
You'll need cash for
- • Rare street vendors
- • Some markets
- • Emergency backup only
Cards usually accepted
- • Everywhere - shops, restaurants, transport, taxis, markets, even small kiosks
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Swedbank | €2-3 | 0% | Visa/MC rate | €2-3 | 50 | Largest bank in Estonia |
| SEB | €2-3 | 0% | Visa/MC rate | €2-3 | 40 | Swedish bank |
| LHV | €2-3 | 0% | Visa/MC rate | €2-3 | 20 | Estonian digital bank |
📍 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 | |||
|---|---|---|---|---|---|---|
| Swedbank | €2-3 | 0% | Visa/MC rate | €2-3 | 50 | Best coverage |
| SEB | €2-3 | 0% | Visa/MC rate | €2-3 | 40 | Major cities |
| LHV | €2-3 | 0% | Visa/MC rate | €2-3 | 20 | Growing network |