Best Apps for Finding ATMs While Traveling

You have just landed in a new country. Your hotel needs a cash deposit, the taxi driver wants cash, and the airport exchange counter is offering a terrible rate.

So, you open Google Maps and search for the nearest ATM. There is one problem. The closest machine might charge a high withdrawal fee, reject your card, or sit inside a building that is already closed.

Finding an ATM is easy. Finding the right ATM takes a little more work.

Some apps help you compare withdrawal fees. Others show machines that accept your card network. A few can help you find ATMs connected to your own bank.

Here are 10 useful apps and ATM locators to keep on your phone before your next international trip.

1. ATM Fee Saver: Best for Finding Low-Fee ATMs Abroad

If you travel internationally and withdraw cash regularly, start with ATM Fee Saver.

This travel-focused app helps you find fee-free and low-fee ATMs across more than 180 countries. It lists information about ATM charges for foreign cards, withdrawal limits, and traveler reviews. You can also enter the amount you want to withdraw and estimate the fee.

Why it is useful

Two ATMs on the same street can charge very different fees. ATM Fee Saver helps you compare your options before inserting your card. It also includes currency exchange locations and money transfer services, which can be useful if an ATM is not your best option.

Best for

• International travelers

• Backpackers on a budget

• People who withdraw cash abroad

• Travelers visiting several countries

• Anyone trying to avoid unnecessary ATM fees

One limitation

You need an internet connection to load ATM locations and live information. Fees and limits can also change, so confirm the charges shown on the ATM before completing your withdrawal.

2. Allpoint: Best for Finding Fee-Free ATMs in Supported Networks

Allpoint is worth knowing about if you are travelling within the United States or using a financial institution that participates in its network.

It operates a network of ATMs where eligible cardholders can withdraw cash without an Allpoint surcharge. Its locator helps you find participating machines at places such as convenience stores, pharmacies, and supermarkets.

Why it is useful

You do not always need a special travel app to save money on cash withdrawals. Sometimes, your existing bank or card provider gives you access to a network with reduced or no ATM surcharges.

Allpoint helps you find those machines instead of paying for the first ATM you see.

Best for

• Travelers in the United States

• Eligible Allpoint network users

• People looking to avoid ATM surcharges

• Travelers who want ATMs in everyday retail locations

One limitation

Allpoint is not a universal international ATM finder. Fee-free access depends on your card or financial institution, and your own bank may still charge fees.

3. Your Bank's ATM Locator: Best for Finding Your Own Bank's ATMs

This option is less exciting than downloading a new travel app, but it can be more useful.

Many banks have their own mobile apps or online ATM locators. These can show branches, cash machines, and, in some cases, machines that offer particular services.

If your bank has international partner networks, its app or website may also explain where you can withdraw cash and what fees apply.

Why it is useful

Your bank knows which account and card you are using. That means its official information can help you understand your own withdrawal limits, international fees, and partner ATM arrangements.

Best for

• Travelers who want to check bank-specific fees

• People using international banking networks

• Finding branches as well as ATMs

• Checking withdrawal limits before a trip

One limitation

Your bank's locator may not show every nearby ATM. Some banks also charge foreign withdrawal fees even when you use a partner machine.

4. Visa Global ATM Locator: Best for Finding Visa and Plus ATMs Worldwide

Visa's Global ATM Locator is one of the most useful official tools for international travelers.

You can search for Visa and Plus ATMs by country, city, address, or location. The service covers more than 200 countries and territories and lists millions of ATM locations.

Why it is useful

If you carry a Visa card, you want to find a machine that accepts your card network. Visa's locator helps you narrow your search and can provide directions to a listed ATM. Its locator information also supports filters for details such as operating hours and accessibility where available. 

Best for

• Visa cardholders

• International trips

• Finding ATMs before arriving in a city

• Travelers who want an official card-network locator

One limitation

A Visa logo does not guarantee a free withdrawal. Your bank and the local ATM operator may both charge fees.

5. Mastercard ATM Locator: Best for Mastercard Users

Mastercard also provides an official ATM locator. You can search for machines by city, postal code, or address, then narrow the results using available details. Depending on the destination, the locator may provide a map and directions.

Why it is useful

If your main card is a Mastercard, this is a sensible place to start before using a random machine. It can help you find an ATM that supports your network without relying only on general map listings.

Best for

• Mastercard debit cardholders

• Mastercard credit cardholders where cash advances are supported

• International travelers

• People who want to search before heading out

One limitation

ATM information is not equally complete in every country. Mastercard also recommends contacting your card issuer for account-specific questions and fees.

6. Wise: Best for Travelers Using a Wise Card

Wise is known for international transfers and multi-currency accounts, but its card can also be used to withdraw cash from supported ATMs.

If you already have a Wise card, the app and its help pages can help you understand where and how you can use it. Wise also provides information about withdrawal fees and limits, which depend on where your card was issued. 

Why it is useful

Finding an ATM is only half the job. You also need to know what the withdrawal will cost you. Wise can help you check its own card rules before you withdraw cash, especially if you are travelling between countries.

Best for

• Existing Wise cardholders

• Travelers holding multiple currencies

• People checking withdrawal fees

• International travelers who use Wise for spending

One limitation

Wise is not a universal ATM map for every bank card. Its withdrawal features depend on card eligibility, country, and account terms. The local ATM operator may charge its own fee too.

7. Revolut: Best for Travelers Using a Revolut Card

Revolut combines money management, currency exchange, and card spending in one app. If you have an eligible Revolut card, you can use it at supported ATMs and check your plan's withdrawal allowance and applicable fees in the app.

Why it is useful

When you travel, it helps to know both where you can withdraw cash and how much you can take out without extra charges from your card provider. Revolut can be useful for checking your own card's limits before you make a withdrawal.

Best for

• Existing Revolut customers

• Travelers who hold multiple currencies

• People who use a Revolut travel card

• Checking personal withdrawal allowances

One limitation

Revolut's products and availability vary by country and plan. It is not a universal map of every ATM, and the ATM operator can still add its own charge.

8. Google Maps: Best for Finding Nearby ATMs Quickly

Sometimes, you do not need a specialized app. Google Maps is often the fastest way to find ATMs close to your hotel, railway station, restaurant or current location.

Search for “ATM near me” or enter the name of a bank. You can check map pins, directions, business hours and available user reviews.

Why it is useful

You can compare several machines in one area without switching apps. It is especially handy when you have just arrived in a city and want to find an ATM near a place you are already visiting.

Best for

• Finding nearby ATMs

• Walking directions

• Checking locations around hotels

• Finding bank branches

• Quick searches in unfamiliar cities

One limitation

Google Maps generally cannot tell you the exact foreign-card withdrawal fee. Listings and opening hours may also be outdated, so check the location before making a special trip.

9. Apple Maps: Best for iPhone Users

If you use an iPhone, Apple Maps is another simple way to find ATMs nearby. Search for “ATMs” or a particular bank to see available locations and get directions. Depending on the listing, you may also see operating hours, business details, and reviews.

Why it is useful

You may already use Apple Maps for walking directions and navigation. That means you can find a cash machine without installing another app just for one task.

Best for

• iPhone users

• Finding ATMs while walking

• Locating bank branches

• Travelers who already use Apple Maps

One limitation

Like Google Maps, Apple Maps does not reliably show the fees your card will incur. It is a location tool, not a foreign withdrawal fee calculator.

10. Your Card Issuer's App: Best for Checking Withdrawal Rules

Your card issuer's app deserves a place on this list, even if it does not have the fanciest map. Depending on your bank, you may be able to check international withdrawal limits, enable overseas transactions, view fees, monitor your balance, and report a lost card.

Some banks also offer ATM locators or show their partner networks.

Why it is useful

Imagine finding a perfectly good ATM abroad, only to discover that your card is blocked for international withdrawals. Checking your card settings before you leave can help prevent that problem.

Best for

• Checking overseas withdrawal settings

• Understanding your card's fees

• Reviewing withdrawal limits

• Monitoring transactions

• Getting help if your card is blocked

One limitation

Not every banking app includes an ATM map. You may need to use Visa, Mastercard or a general map app to locate a machine.

Which ATM Finder Should You Use?

You do not need all 10 apps. Choose based on the problem you want to solve.

• To compare foreign ATM fees: ATM Fee Saver.

• To find Visa machines: Visa Global ATM Locator.

• To find Mastercard machines: Mastercard ATM Locator.

• To locate a nearby ATM quickly: Google Maps or Apple Maps.

• To check your own card's withdrawal rules: Your bank, Wise or Revolut app, depending on which card you use.

• To find fee-free machines in the United States: Allpoint, if your card is eligible.

For most international travelers, a general map plus a fee comparison tool is a practical combination.

How to Avoid Paying Too Much at an ATM Abroad

Finding an ATM is only the first step. The way you withdraw money can affect the final cost too.

Before travelling, check your bank's foreign withdrawal fee and daily cash limit. If you have a card that offers fee-free withdrawals up to a limit, know when that allowance resets.

When you reach an ATM, read the screen before accepting the transaction. Some machines show a local ATM fee, while others offer to convert the amount into your home currency.

If the machine offers to charge you in your home currency, compare the displayed exchange rate carefully. Choosing the local currency is often the better option because the ATM's conversion may include a markup. Visa also advises travelers to check the currency conversion choice when withdrawing or paying abroad.

It also helps to withdraw a sensible amount rather than making lots of tiny withdrawals, provided you can keep the cash safe and avoid carrying more than you need.

Final Thoughts

The closest ATM is not always the best one. A little checking can help you avoid extra fees, find a machine that accepts your card and save time when you need cash in a new country.

Start with ATM Fee Saver if you want to compare foreign ATM fees. Use Visa or Mastercard's locator to search for compatible machines, and keep your bank's app ready to check your own card limits.

One last tip: never assume a machine is fee-free just because an app lists it that way. Check the ATM screen before confirming your withdrawal.

That small pause can save you money for something much better than a bank fee.

FAQs

What is the best app for finding ATMs abroad?

ATM Fee Saver is useful for comparing foreign ATM fees and withdrawal limits. Visa and Mastercard's official locators are good alternatives when you want to find machines that support your card network.

How can I find an ATM that does not charge fees?

Use ATM Fee Saver to compare listed fees and limits, then check the fee displayed on the ATM before confirming your withdrawal. Your own bank may also charge a separate fee, even if the ATM itself does not.

Can Google Maps find ATMs in other countries?

Yes. Search for “ATM near me” or enter a bank's name to find nearby machines and directions. However, Google Maps generally does not show the exact fees for foreign-card withdrawals.

Is it better to withdraw cash abroad from a bank ATM?

A bank-operated ATM can be a sensible starting point, but it is not automatically the cheapest. Check the ATM operator's fee, your card issuer's fees and the exchange rate offered on screen.

Do Visa and Mastercard have ATM finder tools?

Yes. Visa and Mastercard both offer official ATM locators. Availability and listing details vary by destination, and neither network's locator guarantees that a withdrawal will be free.

Should I carry cash while travelling internationally?

It is sensible to carry a small amount of local cash for places that do not accept cards or for situations where electronic payments fail. Keep a backup card separately and avoid carrying all your travel money in one place.