Withdrawing
Czech Koruna (CZK).

How CZK withdrawing actually works

ATM withdrawals from a CZK balance at an EU neobank wallet incur three potential fees: the network fee (the ATM operator), the FX conversion (if the wallet is EUR-base), and any neobank-tier-specific withdrawal cap. Revolut Standard allows €200/month free ATM withdrawals; above that, 2% fee. Bunq Free has similar caps. Wise issues a multi-currency debit card that withdraws in CZK directly from the CZK balance — no FX conversion, just the network fee. For larger CZK cash needs, transferring to a local CZK bank account in Czechia and withdrawing there is typically cheaper than direct ATM access.

Watchouts and hidden costs

ATM operators in Czechia may impose an additional surcharge separate from your neobank's fee — read the on-screen disclosure before confirming. For Revolut Standard, weekend ATM withdrawals trigger the 1% FX markup on the conversion leg. For cross-border ATM access, prefer Wise's multi-currency debit card (no FX layer if you hold the CZK balance).

How much can I withdraw CZK from an EU neobank ATM?

Daily limits depend on the neobank tier (typically €600–€2,000/day) and the ATM operator's limit (typically Kč200–Kč1,000 per transaction). Revolut Standard allows €200/month free ATM withdrawals across all currencies; above that, a 2% fee applies. Bunq and Wise have similar tier-specific limits.

Is there an FX fee on ATM withdrawals of CZK?

If the underlying balance is EUR and the ATM dispenses CZK, an FX conversion happens at the neobank's rate — typically mid-market on Wise, or with a 0.5–1% spread on Revolut/Bunq. If you hold CZK balance in a multi-currency wallet and withdraw CZK from the CZK balance, there's no FX layer.

Can I withdraw CZK from any ATM in Czechia?

Most CZK ATMs in Czechia accept EU-issued debit cards on the Visa or Mastercard network. ATM operator surcharges vary — typically Kč2–Kč5 per transaction. Always check the on-screen fee disclosure before confirming. Wise and Revolut cards work in nearly all Czechia ATMs.