ATM Fees in Hungary
Hungarian Forint (HUF) • Updated April 2026
Hungary has excellent card acceptance in Budapest and major cities. ATMs are widespread. Watch out for Euronet ATMs that charge high fees. Use bank ATMs for better rates.
Tips for Hungary
- • Avoid Euronet and other independent ATMs
- • Use OTP Bank or K&H ATMs for lower fees
- • Cards widely accepted in cities
- • Always decline DCC (Dynamic Currency Conversion)
- • Cash useful for small purchases and markets
Airport tips
- • Budapest airport has multiple ATMs
- • Avoid airport exchange bureaus
- • Use bank ATMs not independent ones
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 Hungary, per person.
Backpacker
Hostels, street food, public transport
HUF/day
≈ $48.04-96.07 USD
Mid-range
Hotels, restaurants, mix of transport
HUF/day
≈ $139-279 USD
Luxury
Premium hotels, fine dining, private transport
HUF/day
≈ $434-837 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Hungary.
Credit card acceptance
HighExcellent card acceptance in Budapest and major cities. Cash useful for markets and small vendors.
You'll need cash for
- • Market stalls
- • Small cafes
- • Tips
- • Some taxis
- • Ruin bars (sometimes)
Cards usually accepted
- • Restaurants
- • Hotels
- • Shops
- • Supermarkets
- • Public transport ticket machines
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| OTP Bank★ | 1,500-2,500 HUF | 0% | Visa/MC rate | ~4.00 USD | 400 | Access fee for non-EU cards; ★Free for OTP Group members |
| K&H Bank | 1,500-2,500 HUF | 0% | Visa/MC rate | ~4.00 USD | 200 | Access fee for non-EU cards |
| Euronet | 2,500-4,000 HUF | 0% | Often poor DCC | ~8.00 USD | 300 | AVOID - very 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 | |||
|---|---|---|---|---|---|---|
| OTP Bank★ | 1,500-2,500 HUF | 0% | Visa/MC rate | ~4.00 USD | 400 | Largest network; ★Free for OTP Group members |
| Euronet | 2,500-4,000 HUF | 0% | Often poor DCC | ~8.00 USD | 300 | AVOID |
| K&H Bank | 1,500-2,500 HUF | 0% | Visa/MC rate | ~4.00 USD | 200 | Access fee for non-EU cards |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Hungary:
View all ATM alliances →