Understanding ATM fees and withdrawal limits is crucial for expats in the Czech Republic. While cards are accepted, cash remains king, especially outside tourist hubs. Relying solely on cards can leave you stranded at smaller shops or markets. Knowing where to find the best ATMs to use in Prague and how to avoid ATM fees saves money and hassle.
Understanding Czech ATM fees and charges
Withdrawal limits at Czech ATMs
Best to use in Prague
Using debit and credit cards at Czech cashpoints
Bitcoin ATMs sprout across Czechia
Cash vs money exchange in Czechia
Tips for avoiding ATM fees in Czechia
Using euros in Czech ATMs
FAQ
Understanding Czech ATM fees and charges
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Withdrawing cash using a foreign card in Czechia usually incurs fees. Expect Czech ATM fees ranging from CZK 125 to 239 per transaction. Charges come from two places: your own bank (overseas withdrawal fee) and the local Czech bank operating the ATM. ČSOB, Komerční banka, and Raiffeisenbank are major players, but fees vary.
Crucially, avoid Dynamic Currency Conversion (DCC)! This sneaky option lets the ATM convert your withdrawal into a different home currency (e.g., Pounds or Dollars) at a terrible rate, costing far more than your bank's conversion. Always choose to be charged in Czech Crowns (CZK).
Withdrawal limits are common. Your cash withdrawal in Prague limit depends on both your home bank's policy and the Czech ATM withdrawal limit, often around CZK 80,000-120,000. Check your limit before travelling. For free cash withdrawal in Prague, seek ATMs from your bank's global partners (e.g., some UK banks partner with Euronet, though always verify fees).
Using a best credit card without foreign transaction fees for purchases helps minimise cash withdrawal in Prague needs.While Bitcoin ATMs in the Czech Republic exist (e.g., Prague's Main Post Office), they are niche and not relevant for standard tourist cash access. Contactless ATM Prague options are increasing, but chip-and-PIN remains standard.
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Withdrawal limits at Czech ATMs
Planning your cash withdrawal in Prague or elsewhere? Heads up — Czech banks impose limits. Don't assume you can grab your whole holiday budget in one go! Most standard ATM Czech Republic (look for logos like ČSOB, Komerční banka, or Česká spořitelna) enforce a typical withdrawal limit of around CZK 100,000. Need more cash? You'll likely need multiple visits or transactions. Annoying, we know.
Crucially, these Czech Republic withdrawal limits vary. Your own bank's international limits also come into play — double-check those! Weekends or holidays can sometimes trigger lower limits, too. Remember, exceeding the limit just means a declined transaction. Using debit cards in Prague efficiently means knowing these caps and planning visits, especially if relying heavily on cash. Always have a backup card!

Best to use in Prague
Forget those flashy independent ATM Czech Republic plastered all over Old Town Square or Wenceslas Square – they're fee traps! Avoid ATM fees in the Czech Republic style by sticking to actual bank branches. Your best bets for free cash withdrawal in Prague (or very low fees) with foreign cards are Raiffeisenbank and UniCredit Bank. Raiffeisenbank often charges nothing for withdrawals with foreign Visa/Mastercards – a massive win. UniCredit is usually very reasonable, too.
Look for their proper bank branch ATMs in Prague, not the standalone ones in tourist hubs. You'll find them easily enough: Raiffeisen has branches near Národní třída or Anděl, UniCredit near Mustek or on Spálená. Air Bank (bright orange) is another solid contender, generally offering low Czech bank ATM charges for foreigners. Moneta Money Bank (blue/yellow) is also usually fair.
Top tip for withdrawing cash in Prague: Use your bank's ATM locator app before heading out. Or, simply walk a block or two away from the main tourist drag – you'll find legit bank ATMs with far better terms. Always choose to be charged in the Czech Crown (CZK), ensuring you get your bank's exchange rate. This is vital for travel money for the Czech Republic. Skip sketchy exchanges; a good ATM with your best credit cards without foreign transaction fees is nearly always the better exchange rate vs an ATM deal.
Using debit and credit cards at Czech cashpoints
Popping your foreign debit card or credit card into a Czech ATM? Generally, it's smooth sailing. Practically all machines here happily swallow Visa and Mastercard. Contactless? Standard now. But watch those fees! While the machine might charge a flat fee (say 100-150 CZK), your bank often slaps on hefty foreign transaction fees and lousy exchange rates.
That's why savvy travellers swear by the best credit cards without foreign transaction fees — think Starling, Chase UK, or Revolut. Honestly, using these is a no-brainer for Prague cash withdrawal or grabbing Czech Crown notes nationwide. Remember: Using euros in Czechia directly at shops or ATMs is usually a rip-off — you'll get a dreadful rate. Stick to withdrawing local currency.
Also, some smaller Czech banks ATM access might be restricted late at night, so plan bigger cash withdrawals in daylight. Top Czech ATM tips for tourists: Always choose to be charged in Czech Crown (CZK), never your home currency, to avoid dynamic currency conversion scams.

Bitcoin ATMs sprout across Czechia
Fancy turning crypto into cold, hard koruna? The number of Bitcoin ATMs in the Czech Republic is climbing steadily, especially in the capital. Prague alone hosts dozens, with 97 machines scattered nationally as of spring 2025 — places like General Bytes units are common sights near main stations or tech hubs.
These Bitcoin ATMs in the Czech Republic kiosks aren't your typical bank cashpoints, mind. Fees? They vary wildly, often between 5-10%, sometimes more. You'll definitely pay a premium versus online exchanges. It's dead simple: scan your wallet QR code, feed in the notes, and bam – crypto arrives.
Useful for instant local currency? Sometimes. Cost-effective? Rarely. For larger amounts, comparing money exchange vs ATM Czech options (even crypto ATMs!) is wise. While handy, remember they're not for traditional bank withdrawal. Finding the best ATMs to use in Prague for crypto? Apps like CoinATMRadar help locate the nearest Bitcoin ATM in the Czech Republic, but always scrutinise the live fee display first – it can sting.
Cash vs money exchange in Czechia
Forget rushing to those flashy exchange bureaus! While they're everywhere, especially in tourist hubs, you'll nearly always get stung by poorer rates and sneaky commissions.
Your smarter play? Use foreign cards in Czech ATMs. Seriously, your standard bank card popped into a proper cashpoint typically nets you the real interbank rate.
That difference adds up fast on a holiday budget! Just mind you, some independent ATM Czech Republic (cough Euronet) slap on hefty fees, so choosing bank-owned ATM Czech Republic linked to major Czech banks like ČSOB or Komerční banka is wiser. You keep more of your cash.

Tips for avoiding ATM fees in Czechia
Nobody likes nasty surprises eating into their holiday spending. Dodging excessive Czech ATM fees boils down to savvy choices. First up: Stick to bank-owned ATMs! Those standalone machines in busy areas? Often run by private firms charging extra – sometimes 5 EUR or more per withdrawal.
Secondly, when the screen asks if you want the transaction to be in euros instead of Czech Crowns, always choose to be charged in crowns.
Thirdly, planning is key. If your home bank stings you for overseas use, consider getting a specialist debit card used in a Czech Republic travel card before you fly – Monzo, Starling, or Revolut are popular best banks in the Czech Republic for tourists (well, best for tourists, even if not Czech-based!). They usually have low or no foreign transaction fees, aligning perfectly with Czechia bank withdrawal rules. Simple, eh? Using a reliable ATM Czech Republic strategy is essential.
Using euros in Czech ATMs
Thinking of pulling euros straight out to avoid changing money? Hold up! Despite the Czech Republic being in the EU, the Czech crown (CZK) is king here. Using euros in Czech ATMs is actually pretty rare; most machines only dispense crowns. Sure, a tiny number might offer euros, but it's seriously uncommon, and the exchange rate applied will be dreadful.
Crucially, even in touristy Prague, barely 10% of shops accepted euros directly as of 2025 data – and often at awful rates if they do. For the best value, withdraw Czech Crowns directly using your card at any standard ATM in the Czech Republic. You'll avoid double conversion charges and get genuine purchasing power. Sorted! Finding an ATM Czech Republic dispensing euros is not the solution.
FAQ
How much does the ATM charge in the Czech Republic?
Expect ATM operator fees between CZK 125 and CZK 239 per withdrawal, but you'll also likely face a fee from your own bank back home. Some ATMs are fee-free.
What is the limit of ATM transaction charges in the Czech Republic?
There isn't a universal legal cap, but typical ATM operators charge from CZK 125 to CZK 239 per transaction; most importantly, avoid accepting conversion to Euros at the ATM, as it often results in a poor exchange rate and extra hidden charges.
How much is an ATM transaction fee in the Czech Republic?
The local ATM fee charged by Czech banks typically ranges from CZK 125 to CZK 239 per cash withdrawal transaction. Some ATMs are fee-free.
Is there a limit on ATM transactions in the Czech Republic?
Yes, withdrawal limits are common, usually around CZK 80,000 to CZK 120,000, often with lower per-transaction limits (e.g., CZK 10,000-15,000), set by both the Czech ATM operator and your own bank.
Which ATMs are best to use in Prague?
Stick to ATMs at actual bank branches like Raiffeisenbank (often free for foreign cards), UniCredit Bank, Air Bank, or Moneta Money Bank, avoiding flashy independent ATMs in tourist hotspots which charge high fees.
How to send money from the Czech Republic?
To transfer money from the Czech Republic, use Profee, an online service for fast and cost-effective remittances.