ATM fees in Greece — what the 2025 reform changed

A 2025 government reform largely abolished domestic ATM fees for Greek-bank cardholders: zero fee within the interbank (DIAS) network, a €1.50 cap at third-party ATMs, free balance checks. But these caps protect Greek cards — a foreign card can still be hit with operator fees and your home bank’s charges, and airport/Euronet ATMs are the worst offenders.

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.

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.

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