ATM Fees in Greece
Euro (EUR) • Updated April 2026
Greece has good card acceptance in tourist areas and cities. Cash still important for smaller islands, tavernas, and local businesses. ATMs widespread on mainland and major islands. Note: Major Greek banks charge €2.50-3.50 access fees for foreign cards.
Tips for Greece
- • Cards accepted in tourist areas, cash needed elsewhere
- • Smaller islands may have limited ATM availability
- • Many tavernas prefer cash
- • Tipping 5-10% is appreciated
- • Island ferries often require cash for port taxes
- • ATMs charge €2.50-3.50 access fee for foreign cards
Airport tips
- • Athens and island airports have ATMs
- • Get cash before heading to smaller islands
- • Airport exchange rates are poor - use ATMs
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 Greece, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $70.02-146 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $187-368 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $455-957 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Greece.
Credit card acceptance
Good in Tourist AreasCards accepted in tourist areas and cities. Cash preferred at local tavernas and on smaller islands.
You'll need cash for
- • Local tavernas
- • Small islands
- • Beach bars
- • Ferries (port taxes)
- • Markets
Cards usually accepted
- • Hotels
- • Tourist restaurants
- • Shops in cities
- • Supermarkets
- • Major attractions
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Alpha Bank | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 400 | Major Greek bank - access fee for foreign cards |
| National Bank of Greece | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 500 | Oldest bank in Greece - access fee applies |
| Piraeus Bank | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 450 | Major bank - access fee applies |
| Eurobank | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 350 | Good coverage - access fee applies |
📍 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 | |||
|---|---|---|---|---|---|---|
| National Bank of Greece | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 500 | Best coverage |
| Piraeus Bank | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 450 | Mainland and islands |
| Alpha Bank | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 400 | Mainland and islands |
| Eurobank | €2.50-3.50 | 0% | Visa/MC rate | €2.50-3.50 | 350 | Major cities |