ATM Fees in Switzerland
Swiss Franc (CHF) • Updated April 2026
Switzerland has excellent card acceptance. One of the world's most expensive countries. ATMs widely available. EUR sometimes accepted but change in CHF.
Tips for Switzerland
- • Cards accepted everywhere
- • Extremely expensive - budget carefully
- • EUR sometimes accepted (poor rate)
- • UBS and Raiffeisen have ATMs (Credit Suisse acquired by UBS)
- • Contactless widely available
Airport tips
- • Zurich and Geneva airports have ATMs
- • Cards work everywhere
- • CHF is essential for best value
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 Switzerland, per person.
Backpacker
Hostels, street food, public transport
CHF/day
≈ $164-342 USD
Mid-range
Hotels, restaurants, mix of transport
CHF/day
≈ $424-835 USD
Luxury
Premium hotels, fine dining, private transport
CHF/day
≈ $1,069-2,277 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Switzerland.
Credit card acceptance
Very HighExcellent card acceptance. Very expensive destination.
You'll need cash for
- • Some mountain huts
- • Small tips
- • Rare occasions
Cards usually accepted
- • Everywhere
- • All establishments
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| UBS | 0 CHF | 0% | Visa/MC rate | 0 USD | 450 | No fee (includes former Credit Suisse locations) |
| Raiffeisen | 0 CHF | 0% | Visa/MC rate | 0 USD | 200 | No fee |
| PostFinance | 0 CHF | 0% | Visa/MC rate | 0 USD | 100 | No fee |
📍 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 | |||
|---|---|---|---|---|---|---|
| UBS | 0 CHF | 0% | Visa/MC rate | 0 USD | 450 | Best coverage (includes former Credit Suisse) |
| Raiffeisen | 0 CHF | 0% | Visa/MC rate | 0 USD | 200 | Good network |
| PostFinance | 0 CHF | 0% | Visa/MC rate | 0 USD | 100 | Post offices |