ATM Fees in Peru
Peruvian Sol (PEN) • Updated April 2026
Peru has good card acceptance in Lima and tourist areas like Cusco. Cash essential for markets and local restaurants. ATMs widespread but watch for skimming. USD widely accepted.
Tips for Peru
- • Cards accepted in tourist areas
- • Cash for markets and local eateries
- • Use ATMs inside banks
- • USD widely accepted and easy to exchange
- • Banco de la Nación (MultiRed ATMs) is the best low-fee option for tourists
Airport tips
- • Lima airport has many ATMs
- • Use ATMs inside terminal
- • Avoid exchange bureaus - poor rates
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 Peru, per person.
Backpacker
Hostels, street food, public transport
PEN/day
≈ $26.37-76.19 USD
Mid-range
Hotels, restaurants, mix of transport
PEN/day
≈ $103-240 USD
Luxury
Premium hotels, fine dining, private transport
PEN/day
≈ $299-718 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Peru.
Credit card acceptance
Moderate to HighGood in Lima and Cusco. Cash for markets and local areas.
You'll need cash for
- • Markets
- • Street food
- • Local restaurants
- • Colectivos
- • Tips
Cards usually accepted
- • Hotels
- • Tourist restaurants
- • Supermarkets
- • Shopping malls
- • Tour operators
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Banco de la Nación | 0 PEN | 0% | Visa/MC rate | 0 USD | 500 | MultiRed ATMs - best no-fee option for tourists |
| BCP | 20-30 PEN | 0% | Visa/MC rate | ~5.00 USD | 400 | GlobalNet network, fees apply |
| Interbank | 20-30 PEN | 0% | Visa/MC rate | ~5.00 USD | 300 | Fees now apply (post-Scotiabank acquisition) |
📍 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 | |||
|---|---|---|---|---|---|---|
| Banco de la Nación | 0 PEN | 0% | Visa/MC rate | 0 USD | 500 | MultiRed ATMs - best value |
| BCP | 20-30 PEN | 0% | Visa/MC rate | ~5.00 USD | 400 | Good coverage |
| Interbank | 20-30 PEN | 0% | Visa/MC rate | ~5.00 USD | 300 | Good network |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Peru:
View all ATM alliances →