ATM Fees in United Kingdom
British Pound (GBP) • Updated April 2026
UK has excellent card acceptance. Contactless payments universal. Link ATMs widely available. London is expensive. Many museums are free.
Tips for United Kingdom
- • Contactless everywhere
- • Contactless bank cards/Apple Pay can be used instead of getting an Oyster card for short-term visitors
- • Many museums free
- • Book trains in advance
- • London is expensive
Airport tips
- • Avoid poor exchange rates
- • Use bank ATMs
- • Contactless works on Heathrow Express
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 United Kingdom, per person.
Backpacker
Hostels, street food, public transport
GBP/day
≈ $73.69-167 USD
Mid-range
Hotels, restaurants, mix of transport
GBP/day
≈ $221-429 USD
Luxury
Premium hotels, fine dining, private transport
GBP/day
≈ $643-1,474 USD
Cash vs card acceptance
Where you'll need cash and where cards work in United Kingdom.
Credit card acceptance
ExcellentContactless payments universal. Nearly cashless. Contactless bank cards/Apple Pay can be used instead of Oyster for London transport.
You'll need cash for
- • Some small shops
- • Street markets
- • Tips
Cards usually accepted
- • Everywhere - truly cashless society
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Barclays | 0 GBP | 0% | Visa/MC rate | 0 USD | 1,000 | Free for most cards |
| HSBC | 0 GBP | 0% | Visa/MC rate | 0 USD | 600 | Free |
📍 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 | |||
|---|---|---|---|---|---|---|
| Barclays | 0 GBP | 0% | Visa/MC rate | 0 USD | 1,000 | Most branches |
| HSBC | 0 GBP | 0% | Visa/MC rate | 0 USD | 600 | Good network |