Bargeldabhebungsgebühren

Bargeldabhebungsgebühren, also known as ATM fees or cash withdrawal fees, are charges levied by financial institutions for using their automated teller machines (ATMs) or the ATMs of other banks to withdraw cash. These fees can vary significantly depending on the bank, the type of account, and the location of the ATM.

There are typically two main types of fees associated with ATM withdrawals. The first is a fee charged by your own bank for using an ATM that is not part of their network. This is often referred to as an "out-of-network fee." The second is a fee charged by the owner of the ATM if you are using an ATM that does not belong to your bank. This is known as a "surcharge" or "proprietary fee." Some ATMs may impose both fees, resulting in a double charge for the customer.

Certain bank accounts, particularly premium or business accounts, may offer a certain number of free ATM withdrawals per month, either at any ATM or only at their own network ATMs. Additionally, some banks have a reciprocal agreement with other banks, allowing their customers to use each other's ATMs without incurring fees. It is advisable for customers to be aware of their bank's ATM fee policy and to identify ATMs that are part of their bank's network to avoid or minimize these charges. Mobile banking apps often provide tools to locate in-network ATMs.