Withdrawing
Hungarian Forint (HUF).

How HUF withdrawing actually works

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

Watchouts and hidden costs

ATM operators in Hungary 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 HUF balance).

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

Daily limits depend on the neobank tier (typically €600–€2,000/day) and the ATM operator's limit (typically Ft200–Ft1,000 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 HUF?

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

Can I withdraw HUF from any ATM in Hungary?

Most HUF ATMs in Hungary accept EU-issued debit cards on the Visa or Mastercard network. ATM operator surcharges vary — typically Ft2–Ft5 per transaction. Always check the on-screen fee disclosure before confirming. Wise and Revolut cards work in nearly all Hungary ATMs.