ATMs in Ireland: Fees, locations, and tips

Cards and digital wallets dominate in Ireland, but cash can be helpful in the most unexpected situations. Photobooths, rural cafes, small shops and other sweet spots don’t accept cards sometimes. Read on to learn about withdrawing money from ATMs in Ireland, and enjoy your stay there to the fullest.

ATMs in Ireland: Locations

For more guides check:

(1) ATMs in the EU,

(2) ATMs in Sweden,

(3) ATMs in Germany,

(4) ATMs in the UK.

Most of the ATMs in Ireland are located in tourist areas or near banks. In case you can’t find it while walking around, use ATM locators or maps:

• Google Maps
• Mastercard ATMs in Ireland locator
• Visa locator
• Bank of Ireland locator
• AIB locator
• Irish ATM locator

Some international banks also have a presence in Ireland; check in their app or on the official website.

To save money, avoid ATMs in airports. They may charge higher fees or have unfavourable exchange rates.

Types of the ATMs in Ireland

You can choose between a private and a bank-owned ATM in Ireland. Private ones are usually located in supermarkets, petrol stations, and random corners of the streets. Bank-owned machines are located near offices and have an official logo displayed. The key difference is the fees, which we'll cover later.

ATM withdrawal limit in Ireland

You’re limited by two parties — the ATM in Ireland and your bank. The limit for ATMs is usually 600-700 EUR per day, though it may vary from one machine to another. You can check your bank's limit in the app or on the official website. Search for a section called “Limits” or any synonym. There’s a chance that the bank’s offer will be lower than the ATM withdrawal limit in Ireland, so be careful with your budget planning.

ATM fees in Ireland

Again, there are fees charged by the ATM in Ireland and by your bank. Private ATMs charge higher fees. Take a look. Euronet ATM fees for local cards should be equal to zero. However, when it comes to foreign cards, Euronet ATM fees may go up to 5 EUR per withdrawal.

Bank ATM fees in Ireland are set by each institution separately. Usually, they bless us with a free limit. For example, Revolut ATM fees start at 0% if you take out less than 200 EUR per month or use the ATM in Ireland 5 times, whichever is reached first. After that, the Revolut ATM fees will be 2% of the total sum, with the minimum being 1 EUR.

Calculate, be strategic and find ways to cut the costs of using the ATMs in Ireland.

Which cards are accepted

You’ll easily find Visa and Mastercard ATMs in Ireland, including those suitable for Cirrus and Maestro. American Express and some other American, UK, and Australian cards are also accepted. Discover may not pair well with ATMs in Ireland.

Explore: PAYE in Ireland for expats.

Cardless ATMs in Ireland

Generally, you need a physical card to use ATMs in Ireland, but more and more virtual-friendly machines are appearing. Euronet launched some cardless ATMs in Ireland so that you can search for them. How to identify: A small sign on the machine will show where to attach your virtual card.

Bitcoin ATMs in Ireland

According to coinatmradar.com, there are no Bitcoin ATMs in Ireland. However, Google Maps shows some locations where you can purchase cryptocurrency.

For those who don’t know, Bitcoin ATMs in Ireland are places where you can buy crypto with cash, not vice versa.

ATM Ireland PINs

Your card should have a chip and a 4-digit PIN. If the chip is missing you may need to go to a bank office or use contactless alternatives. The same goes for 5- or 6-digit PINs.

ATM Ireland language

Most of the machines have an English interface, some add Irish language as an option.

Avoid dynamic currency conversion

DDC occurs when you pay in your own currency, not the local one. It happens when ATMs suggest you pay in pounds or dollars, for example. Don't fall for this trick; always choose euros to avoid being charged the marked-up conversion rates. It's not the ATM fees in Ireland, but rather a way for the owners to earn from foreigners without letting them know.

May be interesting: How to find a job in Ireland.

How to send money abroad from Ireland

Withdrawing cash is important, and so is sending money back home from Ireland. Once you move to this country of endless luck and gold, open a local bank account:

• For no-fee ATM withdrawals;
• To avoid currency exchange;
• To be able to pay everywhere within the country, say no to the stress of asking a seller whether they accept foreign cards or not;
• To receive salary, scholarships and social benefits;
• To send funds back home.

After obtaining your local card, use Profee to send money abroad from anywhere: home, while fishing, or exploring breathtaking hiking destinations.

• Low fees and beneficial exchange rates

Looking at your balance on the account will not feel so sad anymore.

• Spend minutes, and you’re good to go.

The process is much faster than finding ATMs in Ireland—the registration is simple, and the money arrives almost instantly.

• It’s secure

When using an ATM, you need to hide your PIN and be cautious of strange people going back and forth around. With Profee, your funds are much more secure—it’s a licensed service that guards your money and data from start to finish.

• You can earn

Invite your friends by sending them a referral link and get rewards after they meet all the requirements.

• It’s flexible

Transfer to over 90 destinations to accounts, cards and mobile wallets. Profee is constantly adding new transfer methods and destinations, so you can send more and better.

• First-time offer

Depending on the location you send money to, you may enjoy 0% fee, special promo rate or both at once.

• Convenient for the recipients

The money will be automatically credited to their accounts, so there is no need to take any extra steps except for providing the transfer details.

Tips for using ATMs in Ireland

Whether you’re using Visa, a local bank, or Mastercard ATMs in Ireland, this advice will be useful for you.

Be ready for the weekends

On days off and national celebrations, some ATMs may run out of cash, especially in the rural areas. So check the calendar of the bank holidays in Ireland out and withdraw cash beforehand.

Build a strategy

Understand your ATM withdrawal limit in Ireland and plan accordingly. For instance, if your rent is due in cash by the 5th, consider withdrawing part of the amount at the end of the previous month and the rest at the start of the current one to stay within monthly limits.

Also, don't withdraw too often, as banks have free limits here, too—usually 2 to 5 usages per month.

Find the safe locations

Always use ATMs in well-lit, safe locations. Shopping centres and bank branches are the most secure. If you must withdraw cash late at night, choose an indoor ATM or one near a security camera. Shield your PIN, and be mindful of people standing too close.

Always keep some cash

You never know what might happen—power outages can affect card machines across the country or or a card can get blocked. That’s why it’s smart to diversify. Keep a small amount of cash on hand for essentials like food or transportation, just in case.

Track every transaction

Keep digital or paper receipts of all ATM withdrawals, especially when using foreign cards. This helps in case of disputes or unexpected fees. Some banking apps (like Revolut or N26) even give real-time notifications that help you double-check.

If an ATM eats your card

Don’t walk away as the card may be returned after a short delay. If this doesn’t happen, write down the location and time of the incident and call the ATM provider or visit the bank’s office, the employees should help you. Call your bank, too, so they can block the card and request a replacement.

Use ATMs smartly and enjoy your life in Ireland with some cash.

Conclusion

You don’t need much cash in Ireland, but it’s a safe option to carry some. To avoid losing money on the withdrawal, compare bank-owned and Euronet ATM fees and check the ATM withdrawal limit in Ireland. Many foreign cards are accepted, especially if it’s Visa and Mastercard, and there are some cardless ATMs in Ireland for your comfort. For convenient international transfers, use Profee to save funds and get things done quickly.