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    ATM Fee Guide
    🇲🇰

    ATM Fees in North Macedonia

    Macedonian Denar (MKD) • Updated April 2026

    North Macedonia has growing card acceptance in Skopje and tourist areas. Cash still commonly used. ATMs available in cities. Very affordable destination.

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    Tips for North Macedonia

    • • Cards increasingly accepted in Skopje
    • • Cash useful for smaller towns
    • • Halkbank and Komercijalna Banka have ATMs
    • • Very budget-friendly destination
    • • EUR sometimes accepted in tourist areas
    ✈️

    Airport tips

    • • Skopje airport has ATMs
    • • Get cash for taxis
    • • Cards work at airport
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    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 North Macedonia, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    1,650-3,800 MKD

    MKD/day

    🏨 Accommodation800-1,800 MKD
    🍜 Food & drinks400-900 MKD
    🚌 Transport150-400 MKD
    🎟️ Activities300-700 MKD

    ≈ $31.23-71.91 USD

    Mid-range

    Hotels, restaurants, mix of transport

    4,600-9,300 MKD

    MKD/day

    🏨 Accommodation2,500-5,000 MKD
    🍜 Food & drinks1,000-2,000 MKD
    🚌 Transport400-800 MKD
    🎟️ Activities700-1,500 MKD

    ≈ $87.05-176 USD

    Luxury

    Premium hotels, fine dining, private transport

    12,000-25,000 MKD

    MKD/day

    🏨 Accommodation7,000-15,000 MKD
    🍜 Food & drinks2,500-5,000 MKD
    🚌 Transport1,000-2,000 MKD
    🎟️ Activities1,500-3,000 MKD

    ≈ $227-473 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in North Macedonia.

    Credit card acceptance

    Moderate

    Growing acceptance in cities. Cash still useful.

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    You'll need cash for

    • • Small restaurants
    • • Markets
    • • Taxis
    • • Rural areas
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    Cards usually accepted

    • • Hotels
    • • Larger restaurants
    • • Supermarkets
    • • Shopping centers

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    Halkbank0-100 MKD0 USD50
    Komercijalna Banka0-100 MKD0 USD45
    Stopanska Banka100-200 MKD~2.00 USD40

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Halkbank0-100 MKD0 USD50
    Komercijalna Banka0-100 MKD0 USD45
    Stopanska Banka100-200 MKD~2.00 USD40

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