ATM Fees in Guatemala
Guatemalan Quetzal (GTQ) • Updated April 2026
Guatemala uses the Quetzal. Cash is essential for most transactions. US Dollars sometimes accepted in tourist areas. Cards accepted at hotels and larger businesses in cities. ATM fees are high (~$5-6 USD).
Tips for Guatemala
- • Cash is essential for most transactions
- • US Dollars sometimes accepted in tourist areas
- • ATMs available in cities and tourist areas - fees ~40-50 GTQ
- • 5B (Cajeros 5B) is the largest ATM network (yellow ATMs)
- • Bargaining expected at markets
- • Smaller bills preferred - breaking 100 Quetzal notes can be difficult
Airport tips
- • La Aurora International Airport (Guatemala City) has ATMs
- • Exchange or withdraw Quetzales on arrival
- • Avoid unofficial money changers
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 Guatemala, per person.
Backpacker
Hostels, street food, public transport
GTQ/day
≈ $22.88-48.37 USD
Mid-range
Hotels, restaurants, mix of transport
GTQ/day
≈ $78.43-157 USD
Luxury
Premium hotels, fine dining, private transport
GTQ/day
≈ $203-418 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Guatemala.
Credit card acceptance
Low to ModerateCash essential for most transactions. Cards accepted at hotels and larger businesses in cities.
You'll need cash for
- • Local restaurants
- • Chicken buses
- • Markets
- • Small shops
- • Most hotels outside cities
Cards usually accepted
- • Hotels in Guatemala City and Antigua
- • Some tourist restaurants
- • Shopping malls
- • Tour operators
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Banco Industrial | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 400 | Largest bank |
| BAM | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 200 | Good coverage |
| G&T Continental | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 250 | Reliable for foreign cards |
| 5B Network (Cajeros 5B) | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 500 | Largest ATM network (yellow ATMs) - standard 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 | |||
|---|---|---|---|---|---|---|
| 5B Network (Cajeros 5B) | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 500 | Largest ATM network - yellow ATMs |
| Banco Industrial | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 400 | Best bank coverage |
| G&T Continental | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 250 | Nationwide |
| BAM | 40-50 GTQ | 0% | Visa/MC rate | ~5.00 USD | 200 | Major cities |