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How Can You Find Surcharge-Free ATMs?

Marc Guberti is a Certified Personal Finance Counselor who has been a finance freelance writer for five years. He has covered personal finance, investing, banking, credit cards, business financing, and other topics. Marc’s work has appeared in US News & World Report, USA Today, Investor Place, and other publications. He graduated from Fordham University with a finance degree and resides in Scarsdale, New York. When he’s not writing, Marc enjoys spending time with the family and watching movies with them (mostly from the 1930s and 40s). Marc is an avid runner who aims to run over 100 marathons in his lifetime.

Updated February 15, 2024​

5 min. read​

What Is A Surcharge-Free ATM?

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How can you find free ATMs to use for cash withdrawals? People pay by card more often and they don’t carry cash, they need to use ATMs more frequently to withdraw cash when they need it. Excessive ATM withdrawal fees can add up quickly, but sometimes your bank’s free ATM is not readily available. Thankfully, there are several fee-free ATM options to help you access your money without getting charged each time you need cash.

A surcharge-free ATM does not assess transaction fees for withdrawals. If you one to withdraw cash, you won’t have to worry about the ATM owner withholding a portion of your funds to cover the fee. This guide dives a bit more into ATM surcharges and how they work, along with a few key benefits of ATM banking.

There are some key advantages to ATM banking.

You can get access to cash right away without having to visit a brick-and-mortar location. However, be mindful that financial institutions set daily limits on the maximum amount you can withdraw.

There are far more ATMs than brick-and-mortar banks available nationwide. In fact, Allpoint has more than 55,000 surcharge-free ATMs throughout the U.S.

ATMs in most locations are accessible 24/7. So, you won’t have to panic or borrow funds from friends or relatives if you encounter an unexpected financial emergency or just need fast cash.

Some ATM owners assess surcharge fees. You can also be subject to a transaction fee from your financial institution for making ATM withdrawals at out-of-network ATMs.

According to Bankrate, on average, consumers pay $4.59 to use out-of-network machines. This figure comprises two components – the out-of-network fee of $1.51 charged by the bank or credit union and the ATM surcharge of $3.08 charged by the owner of the ATM.

To be able to tell which ATMs will charge you for withdrawing cash, you’ll need to identify which ATMs are the same as your bank, which ones are part of interbank networks, and which ones have the STAR logo or another ATM network logo that includes your bank. The easiest and most desirable option, of course, is to use your bank account’s ATM because it will be free of surcharges. If that’s not available, many people find it easier to use the closest ATM to withdraw cash rather than to scout for surcharge-free ATMs that are within the network. Your bank’s website or mobile app can help you find their free ATMs using the ATM locator (a.k.a. the “ATM near me” feature), or by calling customer service.

Another option for surcharge-free ATMs is to use one that is in your bank or credit union’s card network. Much like finding your bank’s ATM, you can use the ATM locator tool or call your bank for help in finding a nearby surcharge-free ATM within your financial institution’s network. You can also look on the back of your debit card to see if the network logo is printed there and then find an ATM that displays the same logo. The list of Free ATM Networks are:

• STAR Network: They have more than 2 million STAR ATM locations. Customers can use the locating tool from Star Network to look for one of their ATMs.
• CO-OP ATM: They have more than 30,000 ATM networks for members of credit unions without paying a surcharge. The CO-OP ATM Network is also available in 7-Eleven, most supermarkets, and credit union branches all over the U.S. Additionally, credit unions in the CO-OP network may allow you to walk into another credit union branch and work with a teller through a “shared branching” option. Contact your credit union for more details.
• PULSE: This ATM network has over 380,000 ATMs in the U.S that can be found by PULSE ATM Locator.
• MoneyPass ATM: with over 25,000 surcharge-free ATMs. Customers can open www.moneypass.com/atm-locator to find the ATM location.
• PLUS Alliance Network: PLUS is a visa card alliance with 1 million ATMs throughout 170 countries. ATM Networks are available in Target, Costco, Walgreens, CVS, Bi-Lo, and Getgo.
• Allpoint and Transfund: These are two of the largest ATM networks in the country, with over 56,000 ATMs between them across the United States, Canada, Mexico, Puerto Rico, Australia, and the United Kingdom. The ATM machine is located in many stores, including Costco, Target, CVS, RiteAid, and Walgreens
• SUM logo: People who hold cards with the bright red SUM logo don’t pay a withdrawal surcharge at the ATM. It offers surcharge-free access to ATMs in the United States.

If you do use an ATM that’s not at your bank or within your bank’s network, you may be subject to charges from both institutions (your bank and the bank or network associated with the ATM you’re using). That’s why it’s best to ask your bank about their policy regarding ATM fees. Keep in mind that we are strictly talking about using your debit card to withdraw money. If you use your credit card to withdraw money, that will be considered a cash advance on your credit card and will incur interest, so it’s best to never do that unless it’s an absolute emergency. When using an ATM, it is also important to protect yourself against identity theft.

Avoid fees can be costly, but there are ways to keep the withdrawal fees to a minimum:

• Only use your bank or credit union’s ATMs to steer clear of surcharges and transaction fees.
• Ask your financial institution if they offer refunds on surcharge fees if you use an out-of-network ATM.
• If you’re unsure which banks you can use without incurring fees, be sure to inquire.

If you’re not happy with your current bank’s ATM fee structure, you can find banks that are part of a large fee-free ATM network or compare their ATM surcharge fees for withdrawing money at other banks or out-of-network ATMs. Many online banks don’t charge ATM fees since their overhead is lower than brick-and-mortar banks.

Many banks and credit unions have ATMs at their physical location you can use to withdraw funds without incurring fees. But what happens when you’re on the go and need cash but can’t find a branch nearby?

That’s where an online platform and mobile app , like Current, comes in to save the day. Current is a financial technology company that provides banking services through Choice Financial Group, Member FDIC. It offers fee-free withdrawals at over 40,000 in-network Allpoint ATMs in the U.S. to its members, so you’ll never have to worry about surcharge fees and transaction fees again. You can sign up for an account in less than 2 minutes to get started. Beyond fee-free ATMs, you’ll enjoy several benefits, like fee-free mobile money management, faster direct deposit, cashback rewards and overdraft protection. Plus, you’ll earn up to a 4.00 percent bonus on your savings. Visit Current’s website to download the mobile app and open your account today! It’s available on Google Play and the AppStore.

Another way to save on ATM fees is to simply budget and plan ahead for your financial needs each day, week, or month and reduce the number of times you need to use an ATM. This is useful since most banks and credit unions have a daily limit on how much you can withdraw from an ATM and going beyond that requires you to visit a bank teller in person to withdraw funds. Still, some consumers often make purchases with their debit cards and use the cash-back option, if provided—another great way to avoid ATM fees. Most grocery stores, drugstores, and larger stores such as Target offer this option. Conversely, you can load your debit card account with enough money to cover using the debit card for straight purchases and bypass visiting an ATM for cash altogether. Another option is to use your mobile wallet (e.g., Apply Pay or Samsung Pay) for purchases, rather than withdrawing money from an ATM.

In rare instances, you may use an ATM that is clearly within your network and be surprised to find a notice on the screen stating that you will incur a fee or surcharge. If this happens, contact your bank to report this error and have the fee reimbursed. Banks may not have control over an independent ATM machine, and your bank should be alerted to the situation. Additionally, find out if your bank offers ATM fee rebates for any fees that ATM owners add to your withdrawals.

While ATM fees may occur, it is easier than you think to find ways to avoid them and find a free ATM if you’re willing to do a little research, talk to your bank or credit union, or find alternatives to withdrawing money at all and go straight to purchasing with your debit card.

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How To Find Surcharge-Free ATMs Near You

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When you need cash quickly, having access to an ATM is convenient, and today you can find them pretty much anywhere you go — from gas stations to drug stores. That convenience comes with a price, so remember to check the fees before you swipe your card. Businesses make money when people pay a fee to use ATMs in their location — the average ATM fee in 2023 was $4.73.

Fortunately, it is possible to avoid paying ATM fees if you know how to find a surcharge-free ATM. Read on to learn what to do next time you ask, “Where is a free ATM near me?”

What ATM Does Not Charge a Fee?

When you use an in-network ATM — one that your bank partners with — you usually do not pay a fee for the service. To find an in-network ATM, you can check your bank’s website or look at the back of your ATM or debit card.

This step helps you avoid the fee your bank charges for out-of-network ATM transactions. The owner of the ATM — which can be your bank, the business hosting the ATM or a private company  — also may charge you for using the machine.

Typically, your bank does not charge you to use an ATM it owns, but you may have to pay a fee when you use an ATM at another bank  — even if it partners with the same network your bank has.

How Can I Get Cash Without Paying ATM Fees?

In addition to using your bank or credit union’s ATMs, there are other ways you can access your cash without having to pay ATM fees. Here are some options to consider.

1. Make Purchases and Get Cash Back

When purchasing items at the supermarket, pet store, gas station or other retail stores, you can ask for cash back before your debit card is charged. The extra amount is added to your total sale price.

Typically, most retailers will allow you to get between $20 and $100 cash back over your purchase price. Although many retailers offer a cash-back option at checkout, be aware that some merchants charge a fee for this service.

2. Become Familiar With Affiliate Banks When You Travel

While abroad, check to see if there’s a bank affiliated with your U.S. bank. Before leaving for your trip, ask your financial institution to provide you with a list of surcharge-free, foreign affiliates at your travel destination. By doing this, you can avoid paying a foreign ATM fee as well as the surcharge, which adds up and takes a chunk out of your travel budget.

3. Find a Bank That Will Reimburse ATM Surcharges

Since online banks don’t have physical locations or ATMs, many of them will reimburse all ATM surcharge fees for their customers. You typically only need to have a basic checking account to be eligible for this ATM fee reimbursement benefit.

4. Get the Cash App Card

If you use the Cash App payment app, you can use your Cash App Cash Card * and PIN to make ATM withdrawals for free at any in-network ATM and be reimbursed for one out-of-network ATM fee every 31 days. But, there’s a catch. You must have at least $300 from your paycheck directly deposited into your Cash App account each month.

Tips for Finding ATMs That Don’t Charge Fees

You have several ways to find in-network, free ATMs whether you’re at home or on the go.

1. Choose an ATM at One of Your Bank’s Locations

If you open a bank account at a brick-and-mortar institution, go to one of its physical locations to use the ATM. It’s wise to do business with a financial institution that has several nationwide branch locations.

2. Use Your Bank’s Website or Mobile App To Find In-Network ATM Locations Near You

A little planning can go a long way in saving you from paying ATM surcharges at an out-of-network location. To have all of your bank’s in-network locations at your fingertips, be sure to download the bank’s app on your mobile device. It’s prudent to check for these locations in advance so that you’ll know exactly where to go when you’re out and about, especially in an unfamiliar area.

3. Find Out if Your Bank Is Part of a Surcharge-Free ATM Network

Some financial institutions have agreements with no-fee ATM networks in which customers can use these ATMs without incurring fees. You can find out if your bank participates in a surcharge-free ATM network by visiting or calling a branch office or searching the bank’s website or mobile app.

Here’s a list of some popular, surcharge-free ATM networks and the number of participating ATMs nationwide and worldwide.

Using an ATM at your bank to take out cash is the easiest way to avoid paying surcharge fees, but it’s not the only way. You also can use an ATM that’s part of your bank’s ATM network — check the ATM locator on its website or in the mobile app or check the back of your ATM or debit card. If you frequently use ATMs, the number and location of surcharge-free ATMs are important consideration when evaluating a bank’s overall offerings, including features like CD rates .

• You can use your debit card at an ATM owned by your bank or a partner bank through its ATM network. Many stores also allow you to select cash back at the terminal when you pay for your purchase. Note that some stores charge a convenience fee for this service, so pay attention when you check out.
• Cash App does not provide a detailed list of the ATM networks its partner banks belong to. However, it will reimburse you for one out-of-network ATM withdrawal if you have a Cash App card and receive a direct deposit of at least $300 per month. If you don't receive the direct deposit, you will pay a $2.50 fee in addition to the charges from the ATM owner.
• Yes, you can access the money in your savings account at an ATM if the bank allows it and the card is linked to the account. These withdrawals will likely count toward your monthly withdrawal limit.

Kathy Evans contributed to the reporting for this article.

*Prepaid debit cards issued by Sutton Bank.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy .

• MyBankTracker. 2022. "6 Easy Ways to Avoid ATM Fees."
• Statista. "Average total ATM fees in United States from 1998 to 2023."
• Bank of America. "Traveling abroad? Understanding payment methods and how to avoid transaction fees."

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St. Charles Man discovers ATM problem at Kwik Trip

How to avoid it happening to you.

ST. CHARLES, Minn. (KTTC) – Recently, Terry Johnson from St. Charles tried to take out $200 out of an ATM at Kwik Trip in St. Charles, but the machine gave him an error and didn’t give him the cash. When he checked his bank statement, he saw the $200 was still taken out of his account.

“I don’t know why, but I kept the receipt and I always double check my check register with my bank statement and I noticed there was two $200 withdrawals on that day,” Johnson said.

After seeing the money taken out of his account, but no cash given out, he reached out to Kwik Trip, who referred him to the ATM company Cash Depot who rents from Kwik Trip.

“I called Cash Depot and they said there was nothing they could or would do about it that I would need to call the bank and the only way that it could be settled was if the bank called and made a dispute,” Johnson said.

After reaching out to his bank, he was able to find a solution.

“They can help you file a dispute or a claim on that cash. Sometimes they’ll even give you some temporary credit until they can rebalance that ATM and find that the funds are still in there,” Member Experience Manager First Alliance Credit Union Danielle Sommerfeldt said.

Banks work closely with ATM companies to handle any issues customers may run into.

“We would work with that other company and say ‘hey looks like we’re missing out of these funds that the member is claiming that they did not receive’ so we would put in a request for them once they were to balance their machine then we would see that that difference would be given back to us and back to the member,” Sommerfeldt said.

But, after getting his money back for the incident back in January, it happened again a few weeks ago.

“Called the bank immediately and they verified that it happened again,” Johnson said.

It also happened to Johnson’s wife at the beginning of the week, all at the same ATM. Johnson has been in contact with Cash Depot, looking for answers.

“The main question I had for them was what happens to the money that people don’t report it and they said well they have 90 days to dispute it and I said ‘well that’s fine but what if it’s 20 bucks or 40 bucks and they don’t dispute it. What happens to that money?’” Johnson said.

Now, Johnson wants to get the word out about this issue and make sure people pay attention.

“I just want to make sure that people are aware. Check it out. Don’t just let it go. It’s your money. It’s not theirs,” Johnson said.

Something else bankers mentioned to KTTC was to know what your withdrawal limit is when taking cash out of an ATM and to work with your bank to find an amount that works for you.

Copyright 2022 KTTC. All rights reserved.

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Is there a fee for withdrawals using my debit card?

There is no fee for purchases with retailers—either in person or online—or for transactions at Verve or Kwik Trip ATMs, meaning members have access to thousands of surcharge-free ATMs nationwide through Kwik Trip, CULIANCE and Alliance One.

If you use an ATM that is out of our network, you may be charged a fee to withdraw funds, but if you have our  Kickback Checking®  you can get up to $15 of nationwide ATM fees refunded each month. Members also get four no-fee ATM withdrawals per month at non-Verve/network ATMs. Additional withdrawals from non-network ATMs will incur a fee of $1 per transaction.

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10 tips to save on overseas ATM withdrawals this summer

No matter how much you plan ahead, you'll often need to withdraw money in the local currency when you're overseas. Of course, the U.S. dollar is accepted in some countries and you'll want to have a credit card on you. However, there might be situations where that will just not work — and the local currency (in cash) is the only accepted form of payment.

Think of taxi rides, the corner store, tips and excursions — and much more. You never know when the need for cash (in the local currency) will come up, so it pays to be prepared by having a debit card that won't charge exorbitant fees when taking cash out of the ATM.

So before you get on your next international flight, here are a number of ways to prepare in advance tof ensure you have cash on hand while overseas.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

What is an ATM foreign transaction fee?

An ATM foreign transaction fee is a fee you pay for using an ATM abroad. Banks have varying policies on fees you will pay for using an ATM that isn't their own, which is typically a flat fee when you are in the U.S. If you're using an another bank's ATM abroad, you may pay this flat fee (often around $5) plus a 1%-3% foreign conversion fee for using an ATM dispensing a currency other than U.S. Dollars.

Know if your credit card charges an ATM foreign transaction fee

There are plenty of reasons to hold and use travel rewards cards , but they shouldn't be your go-to when it comes to withdrawing cash at the ATM. Even if you use a card with no foreign transaction fees , the ATM withdrawal will likely entail a large cash advance fee , as they consider the money withdrawn as a loan.

And it gets worse: There's no grace period on cash advances, so you'll be incurring interest charges from the day of the withdrawal, usually at a rate that's even higher than the purchase rate.

Even if you are using a travel rewards credit card that refunds ATM fees worldwide, such as the Chase Sapphire Preferred Card , the money withdrawn is typically considered a cash advance. Although you won't have to pay the ATM fee, the interest fees can quickly add up.

Choose the right debit card to save on ATM fees when traveling

There are three ways you could be hit with fees when using your debit card overseas. First, your bank could charge you a fee for using an out-of-network ATM — both at home and at ATMs abroad. Second, the bank that owns the ATM could tack on additional fees. Finally, you can be charged foreign transaction fees at the ATM, just as you can when making credit card purchases.

Avoid debit cards that charge out-of-network fees

Before you leave home, you'll want to make sure you have a debit card that will not charge you any fees.

There's nothing worse than being charged twice to use your ATM card at an out-of-network machine (once by your bank and once by the ATM owner). To avoid this, open an account that doesn't impose out-of-network fees and ensure this applies not just at ATMs in the U.S. but also in other countries. One great option is to get a Capital One 360 Checking account. This card will not charge you any fees on withdrawals, even if it is out of network.

Related: The top 9 checking accounts for avoiding foreign ATM fees

Use a debit card that's part of a large network, including ATMs abroad

One way to avoid the fees from out-of-network transactions is to use a debit card that's part of a large, international network.

One popular option for those traveling abroad is to have a SoFi Money Checking account . The debit card that comes with the account reimburses account holders at any of Allpoint's 55,000+ network ATMs — available both domestically and abroad.

Related: 3 banks travelers should use to save money on fees

Find a card that reimburses ATM fees

Several banks and credit unions offer reimbursements for ATM fees charged by other banks. So even though your bank might not charge you a fee, you could be hit by the bank operating the ATM. Fortunately, many banks will reimburse those fees — some up to a certain amount per month; others are unlimited.

A great option is the Schwab Bank High Yield Investor Checking account . With this debit card option, you'll receive unlimited ATM fee reimbursements — both domestically and abroad. It's also a great card to use abroad if you only have a credit card that charges foreign transaction fees, since this card waives those fees on ATM withdrawals and debit card purchases. We still recommend traveling overseas with a credit card that offers no foreign transaction fees , so you can earn points and miles on purchases that you can pay for on your card.

Related: The best checking accounts

Watch out for ATM foreign transaction fees

When you're taking out smaller amounts of money, a 3% foreign transaction fee is far preferable to a $3 ATM fee. But if you need to withdraw hundreds of dollars outside of the U.S., you should look for a debit card with no foreign transaction fees on ATM withdrawals and on purchases. This includes debit cards from Capital One, Charles Schwab and Discover.

Avoid changing money at the airport

If there's one place where you're guaranteed to get the worst deal, it's at the arrivals area of an international airport. Here, you'll usually find the highest ATM fees, the least-favorable exchange rates and the highest likelihood of being short-changed. Try to avoid exchanging money at international train stations and ferry ports as well.

However, using the ATM at the airport may sometimes be your safest bet and may be a necessity. First, there should be security personnel nearby, which should increase your safety while using the ATM. Additionally, you may need cash before heading outside. If you're taking a taxi or public transit to your hotel, you may need local currency to pay. In these situations, you may need to use an airport ATM out of obligation.

If you have a card that will reimburse the withdrawal fee at ATMs abroad, then the fee doesn't matter as much. If you're in need of cash right away, make sure to check the conversion rate before withdrawing and choose the best-value option if the airport has more than one ATM network available.

What to know before using ATMs in different regions

Regardless of where you're traveling, a general rule of thumb is to always use ATMs in public spaces where you feel safe and secure. Be sure to check the card reader for anything suspicious such as card skimmers , so you don't become a victim of identity theft. Finally, always be aware of your surroundings when withdrawing money and entering secure personal information. Make sure no one is watching you, and be sure to cover your PIN when entering it.

Here are some pointers for those traveling through different regions:

Similar to the U.S., ATMs are nearly everywhere and not too hard to find. Europe hasn't completely adopted paperless payments in the way the U.S. has, so it's always good to have some cash in your wallet when traveling through the region. This is especially important if you plan to travel to smaller towns or shop at local markets.

Middle East

Credit cards are generally accepted throughout the Middle East, but if you plan to go to smaller towns or certain countries — like Iran — you'll want U.S. dollars or the local currency and a no-fee debit or credit card for backup. If you need to get cash out, you shouldn't have any issues finding an ATM, except in Iran, where foreign cards simply do not work.

Cash is definitely still the main payment method in most Asian countries, especially in Southeast Asia. ATMs aren't too hard to find, but that's highly dependent on what country you're in. U.S. dollars are sometimes more valuable than the local currency in countries such as Cambodia, Vietnam or Myanmar, so carry around some dollars for backup.

Regardless, remember to pack a card that doesn't charge foreign transaction fees and reimburses those pesky ATM fees. If your debit card charges foreign transaction fees, make larger withdrawals in the local currency to minimize those add-on charges. Make sure to have a secure wallet to carry all of your cash in. Cash is also important as you'll occasionally have to pay for certain visas with cash upon arrival.

You likely won't run into any issues finding an ATM in the big cities, but you may not be so lucky when on the outskirts. The U.S. dollar is highly valuable across the continent. In fact, many national parks only accept the U.S. dollar or the euro, so you should come prepared with a decent amount of U.S. cash in an assortment of bills. The local currency is preferred in smaller towns, which you can withdraw from a local ATM.

South America

Cash is king in South America and credit cards are not always accepted. Brazil is the exception here, with incredibly high rates of credit and debit card use. Elsewhere, you'll definitely be making lots of ATM trips while traveling through the continent, so be sure to alert your bank about where exactly you'll be traveling. The U.S. dollar is also commonly accepted, so it's always good to have some dollars in case. Note that all 12 countries on the continent have different currencies, so you won't want to take out too much of one currency if you plan to hop around.

U.S. dollars are the most widely accepted currency in the Caribbean, with the euro and other local currencies behind it. Similar to traveling through other regions, it's always good to carry around some cash in case, but credit cards are pretty widely accepted throughout the region. When you need to replenish your wallet, head to the ATM, as that's where you're likely to get the best exchange rate.

Note that if you're traveling to Cuba, the cash situation is much different than the other islands. U.S. dollars are not widely accepted. In fact, if you try to convert U.S. dollars to Cuban Convertible Pesos (used by foreign visitors), you'll often be charged a 10% commission by the government. Your best bet is to carry cash for daily spending, since U.S. credit and debit cards are not accepted in the country.

Other tips for saving money on currency conversion

Never underestimate the power of the U.S. dollar

While it's important to have local currency, you may receive a better effective exchange rate when using U.S. dollars. I'm often surprised by how much demand there is for U.S. currency in foreign countries, and I've had great success when offering to pay in dollars — especially at smaller stores and with merchants in a large bazaar.

On the other hand, hotel operators and other large companies often impose their own exchange rates, which can be very unfavorable. If you're paying in dollars or exchanging money, note that you'll often get the best rates on $100 and $50 notes, with smaller notes fetching a lower rate and old or worn bills not accepted for exchange in many places.

Be extremely careful in paying in the local currency

Dynamic Currency Conversion , or DCC, is a popular scam with merchants and credit card processors. Supposedly, this "service" offers you the opportunity to pay in your local currency, but it really just adds a huge commission. In theory, you're supposed to be asked to agree to this "service." Between language barriers and the merchant's incentive to earn a commission, many travelers get duped into these inflated charges. This happened to me when Hertz in Italy fraudulently added a 4.5% commission to my bill, but I successfully received a refund when I contacted its executive customer service.

Always contact your bank before you go

The only thing worse than paying extra fees for an ATM transaction is having your withdrawal declined. Yet this can happen if you travel overseas without notifying your bank in advance and it suspects fraud. Before you leave, call your bank and provide a list of the countries you plan on visiting, even if you just have a layover.

Bottom line

There's a time and a place to earn valuable points or miles by using a travel rewards credit card . Unfortunately, withdrawing money abroad is not one of them. By understanding the different surcharges you could face when using an ATM aboard and choosing the best debit cards to help you avoid withdrawal or foreign transaction fees at these ATMs, you can access cash in other countries at little to no cost.

Additional reporting by Jason Steele

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Kwik Trip Debuts Bitcoin ATMs at 800 Midwest Locations

• May 17, 2022 at 1:54 PM EDT
• By Nicole Silberstein

Convenience and gas chain Kwik Trip is bringing Coinsource bitcoin ATMs to its more than 800 locations in Wisconsin, Minnesota, Illinois and Iowa.

Coinsource kiosks allow consumers to buy and sell bitcoin with U.S. dollars for an 11% fee and receive their bitcoin within minutes. Additionally, Kwik Trip Rewards members will have access to lower rates. 

“We are delighted to be partnering with Coinsource and facilitating simple access to bitcoin for our customers,” said Dave Wagner, Controller of Kwik Trip in a statement. “We understand Coinsource’s aim of providing the fastest, easiest and most secure way to buy and sell cryptocurrencies and how a key part of this is placing the Bitcoin ATMs in convenient and easily accessible locations.”

Both Circle K and Walmart also have rolled out crypto ATMs for their customers as well — Circle K partnered with Bitcoin Depot to put ATMs in all 700 of its locations across the U.S. and Canada in 2021, and Walmart debuted bitcoin ATMS from Coinstar and CoinMe at 200 locations in October 2021, with plans to eventually bring the kiosks to 8,000 stores.

Proponents of cryptocurrency ATMs tout them as a vital access point for customers who may be intimidated by or not have access to online crypto exchanges. At the same time, cryptocurrencies like bitcoin, which can go through wild fluctuati o ns in value , are considered a relatively risky investment, leading some critics to call out crypto ATMs as predatory given that they are more likely to draw in less sophisticated, often lower-income investors.

The UK’s top financial regulator, the Financial Conduct Authority (FCA), is known for its warnings that consumers “should be prepared to lose all their money” if they trade bitcoin and recently declared that all bitcoin ATMs in that country were essentially illegal since they are not FCA regulated.

Nonetheless, cryptocurrency doesn’t appear to be going away, as evidenced by the growing number of large U.S. retailers that now accept bitcoin as payment , including Whole Foods , Starbucks and Home Depot .

• Posted In: Customer Experience , Payments
• Tagged With: Bitcoin , bitcoin ATMs , Coinsource , crypto ATMs , cryptocurrency , Kwik Trip
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• E-Cigarette Community
• New Members: Introduce Yourself!

E-liquid at Kwik Trip ?

• Thread starter Coersum
• Start date Dec 4, 2012
• th_trl_thread_readers 0

Senior Member

• Dec 4, 2012
• Add bookmark

So yesterday, we were on the phone with one of our 3 local Kwik Trip and figured we'd ask just in case if they had "electronic cigarette liquid"...to my surprise the guy said no BUT that they were going to in a few weeks... Now I don't know if they guy just didn't understand what I mean but I put it pretty clearly so never know... Now we'll just have to see the prices and variety/quality. With millions of e-cig users in the USA, why wouldn't they... PS: for those that don't have them, Kwik Trip are a branch of gas station, with no fee atm etc, big place (the walmart of gas! lol).  

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Coersum said: So yesterday, we were on the phone with one of our 3 local Kwik Trip and figured we'd ask just in case if they had "electronic cigarette liquid"...to my surprise the guy said no BUT that they were going to in a few weeks... Now I don't know if they guy just didn't understand what I mean but I put it pretty clearly so never know... Now we'll just have to see the prices and variety/quality. With millions of e-cig users in the USA, why wouldn't they... PS: for those that don't have them, Kwik Trip are a branch of gas station, with no fee atm etc, big place (the walmart of gas! lol). Click to expand...

Yeah, prices I guess won't be the best but there is hope (still better than analogs). What I like is the exposure a more advanced e-cig system is getting is such a common store. By more advanced I do mean something else than just preffiled stuff, ppl will see more flavor choices and will be more willing to give it a try.  

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