ATM Fees in Malta
Euro (EUR) • Updated April 2026
Malta has excellent card acceptance. Contactless widely available. ATMs widespread. Very easy for card-only travel. English widely spoken.
Tips for Malta
- • Cards accepted almost everywhere
- • Contactless standard
- • Cash for village shops and markets
- • Bank of Valletta and HSBC have ATMs
- • Very tourist-friendly
Airport tips
- • Malta airport has ATMs
- • Cards work everywhere
- • No need for cash
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 Malta, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $64.19-137 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $166-321 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $432-852 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Malta.
Credit card acceptance
Very HighExcellent card acceptance throughout Malta.
You'll need cash for
- • Some village shops
- • Market stalls
- • Tips
Cards usually accepted
- • Everywhere
- • Restaurants
- • Shops
- • Buses
- • Ferries
- • Attractions
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of Valletta | €5-6 | 0% | Visa/MC rate | ~5.00 USD | 45 | Charges access fee for non-EU/EEA cards |
| HSBC Malta | €5-6 | 0% | Visa/MC rate | ~5.00 USD | 35 | Charges access fee for non-EU/EEA cards |
| Euronet | €4-7 | 0% | Often poor DCC rates | ~5.00 USD | 20 | Avoid - high fees and poor exchange rates |
| APS Bank | €5-6 | 0% | Visa/MC rate | ~5.00 USD | 15 | Similar fees to major banks |
📍 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 | |||
|---|---|---|---|---|---|---|
| Bank of Valletta | €5-6 | 0% | Visa/MC rate | ~5.00 USD | 45 | Best coverage |
| HSBC Malta | €5-6 | 0% | Visa/MC rate | ~5.00 USD | 35 | Good network |
| Euronet | €4-7 | 0% | Often poor DCC rates | ~5.00 USD | 20 | Avoid - tourist traps |
| APS Bank | €5-6 | 0% | Visa/MC rate | ~5.00 USD | 15 | Available |