Withdrawing
Euro (EUR).

How EUR withdrawing actually works

ATM withdrawals from a EUR 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 EUR directly from the EUR balance — no FX conversion, just the network fee. For larger EUR cash needs, transferring to a local EUR bank account in the eurozone and withdrawing there is typically cheaper than direct ATM access.

Watchouts and hidden costs

ATM operators in the eurozone 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 EUR balance).

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

Daily limits depend on the neobank tier (typically €600–€2,000/day) and the ATM operator's limit (typically €200–€1,000 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 EUR?

If the underlying balance is EUR and the ATM dispenses EUR, 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 EUR balance in a multi-currency wallet and withdraw EUR from the EUR balance, there's no FX layer.

Can I withdraw EUR from any ATM in the eurozone?

Most EUR ATMs in the eurozone accept EU-issued debit cards on the Visa or Mastercard network. ATM operator surcharges vary — typically €2–€5 per transaction. Always check the on-screen fee disclosure before confirming. Wise and Revolut cards work in nearly all the eurozone ATMs.