ATM Fees in Italy
Euro (EUR) • Updated April 2026
Italy has good card acceptance in cities and tourist areas, though some small businesses and rural areas still prefer cash. ATMs are widespread. Watch for high-fee independent ATMs.
Tips for Italy
- • Cards widely accepted in cities
- • Cash useful for small purchases and rural areas
- • Avoid ATMs at tourist spots - often high fees
- • Use bank ATMs (Unicredit, Intesa Sanpaolo)
- • Some small shops have minimum card amounts
Airport tips
- • Major airports have many ATMs
- • Avoid exchange bureaus - poor rates
- • 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 Italy, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $81.70-158 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $204-385 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $572-1,132 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Italy.
Credit card acceptance
HighGood card acceptance in cities. Cash still useful for small businesses and rural areas.
You'll need cash for
- • Small cafes
- • Markets
- • Rural areas
- • Taxis (sometimes)
- • Tips
Cards usually accepted
- • Restaurants
- • Hotels
- • Shops
- • Supermarkets
- • Train stations
- • Museums
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Poste Italiane | 0-2 EUR | 0% | Visa/MC rate | 0 USD | 4,000 | Often cheapest/free option |
| Unicredit | €3-6 (for non-EU cards) | 0% | Visa/MC rate | ~3.00 USD | 3,000 | Access fee for non-EU cards |
| Intesa Sanpaolo | €3-6 (for non-EU cards) | 0% | Visa/MC rate | ~3.00 USD | 2,500 | Access fee for non-EU cards |
| Euronet | 4-6 EUR | 0% | Poor DCC | ~6.00 USD | 500 | AVOID |
📍 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 | |||
|---|---|---|---|---|---|---|
| Poste Italiane | 0-2 EUR | 0% | Visa/MC rate | 0 USD | 4,000 | Most locations - often free |
| Unicredit | €3-6 (for non-EU cards) | 0% | Visa/MC rate | ~3.00 USD | 3,000 | Access fee for non-EU cards |
| Intesa Sanpaolo | €3-6 (for non-EU cards) | 0% | Visa/MC rate | ~3.00 USD | 2,500 | Access fee for non-EU cards |
| Euronet | 4-6 EUR | 0% | Poor DCC | ~6.00 USD | 500 | AVOID |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Italy:
View all ATM alliances →