ATM fees in Greece — what the 2025 reform changed
What the 2025 reform did (Greek-bank cards)
- Zero fee for withdrawals between banks in the DIAS interbank network — a Greek card at another Greek bank’s ATM.
- €1.50 maximum at third-party / independent ATMs (previously these could exceed €5).
- Free balance enquiry at any ATM, any provider.
- Zero fee in municipalities that have only one ATM.
- No bank may charge its own customers for cash withdrawals.
The critical foreign-card caveat
these protections apply to Greek-bank cardholders. If you withdraw with a foreign card, you may still pay a €1.50–€4 operator access fee plus your home bank’s FX and cash-advance charges. The worst are Euronet and other independent ATMs at airports and tourist spots, which combine high access fees with poor conversion offers. Use a Greek-bank ATM (Alpha, Eurobank, NBG, Piraeus) instead.
The conversion trap at the ATM
a foreign-card ATM will often ask whether to charge you in your home currency or in euro. Always choose euro — letting the ATM convert (Dynamic Currency Conversion) costs you a padded rate. See why you should “charge in euro”.
Cheapest setup for FX-heavy users
neobank cards (Wise, Revolut) give near-mid-market conversion with low or no markup up to a monthly cap — often the cheapest way to take out euro on a non-Greek card until you have a Greek account.
How not to get cheated
two free wins — (1) avoid Euronet/airport ATMs, use a Greek-bank ATM; (2) always pick “euro”, never “my home currency”. Both cost nothing and routinely save several percent on every withdrawal.
Related
DCC — always “charge in euro” · card & payment scams · card types in Greece
This is general information, not financial advice. Foreign-card treatment is operator- and bank-dependent and figures can change — confirm with your own bank. WTP Finance is informational only.