ATM Fees in Latvia
Euro (EUR) • Updated April 2026
Latvia has excellent card acceptance, especially in Riga. Contactless payments are ubiquitous. ATMs widely available. Very easy for card-only travel.
Tips for Latvia
- • Cards accepted almost everywhere
- • Contactless widely available
- • Cash only needed for very small purchases
- • Swedbank and SEB have most ATMs
- • Riga is very card-friendly
Airport tips
- • Riga airport has multiple ATMs
- • Cards work everywhere at airport
- • No need to exchange money
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 Latvia, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $46.68-107 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $125-251 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $338-677 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Latvia.
Credit card acceptance
Very HighExcellent card acceptance throughout Latvia.
You'll need cash for
- • Some market stalls
- • Very small tips
- • Rare occasions
Cards usually accepted
- • Everywhere
- • Restaurants
- • Shops
- • Transport
- • Taxis
- • Markets (most)
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Swedbank | 0 EUR | 0% | Visa/MC rate | 0 USD | 100 | No fee |
| SEB | 0 EUR | 0% | Visa/MC rate | 0 USD | 80 | No fee |
| Citadele | 0-1 EUR | 0% | Visa/MC rate | 0 USD | 50 | Good option |
📍 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 | 0 EUR | 0% | Visa/MC rate | 0 USD | 100 | Best coverage |
| SEB | 0 EUR | 0% | Visa/MC rate | 0 USD | 80 | Good network |
| Citadele | 0-1 EUR | 0% | Visa/MC rate | 0 USD | 50 | Available |