ATM Fees in Myanmar
Myanmar Kyat (MMK) • Updated April 2026
Myanmar has very limited banking access for foreigners due to political instability. The official exchange rate is artificially high - you will get much better value exchanging pristine USD cash at licensed money changers or jewelry shops (market rate). Using ATMs forces the poor official rate. Bring enough cash for your entire trip.
Tips for Myanmar
- • Bring USD cash in pristine condition - enough for your entire trip
- • International cards often don't work - ATMs highly unreliable for foreign cards
- • Banking sanctions affect access
- • Exchange at licensed money changers or jewelry shops for the market rate (much better than official rate)
- • Using ATMs forces the poor official rate - avoid if possible
- • Situation is volatile - check before travel
Airport tips
- • Yangon airport - ATMs unreliable
- • Bring USD cash
- • Exchange small amounts only
Closed Currency Warning: Illegal
Strictness: High
You are generally not permitted to take Kyat out of the country. The currency is non-convertible and cannot be exchanged abroad.
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 Myanmar, per person.
Backpacker
Hostels, street food, public transport
MMK/day
≈ $13.33-40.47 USD
Mid-range
Hotels, restaurants, mix of transport
MMK/day
≈ $57.13-121 USD
Luxury
Premium hotels, fine dining, private transport
MMK/day
≈ $171-357 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Myanmar.
Credit card acceptance
Very LowDue to political situation, international cards often fail. Bring USD.
You'll need cash for
- • Everything
- • Hotels
- • Restaurants
- • Transport
- • All purchases
Cards usually accepted
- • Very few international hotels (unreliable)
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| CB Bank | Varies | Unknown | Unknown | Often doesn't work | 200 | May not work for foreigners |
| KBZ Bank | Varies | Unknown | Unknown | Often doesn't work | 400 | May not work for foreigners |
📍 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 | |||
|---|---|---|---|---|---|---|
| KBZ Bank | Varies | Unknown | Unknown | Often doesn't work | 400 | Largest - may not work |
| CB Bank | Varies | Unknown | Unknown | Often doesn't work | 200 | Bring USD instead |