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Which banks in Us have ATMS in Europe?

Our currents banks only have atms in US. We need to find a bank that has atms for us to use in Eruope.
We need to find one very soon!
We will be in England France and Belgium.

Posted by
1179 posts

Look on the back of your ATM card. It should show symbols for several interconnected ATM systems. Almost all banks participate in these systems.
Examples are Plus, Interlink, Cirrus, Star, Co-op (if it is a credit union). That means your bank participates with other banks within that system, and you can use their ATMs.

If your bank only has ATMs in the US it’s time to switch. Many people use the Andrews Federal Credit union for their chip enabled PIN card. These are compliant with the European system.

Posted by
21867 posts

Duplicate question under Europe. That question has answers.

Posted by
10 posts

My card does say visa on the front, it has a chip and the back has plus co op and star. It is a credit union.

Posted by
10 posts

I did post in general eroupe too Frank, after posting in England I found general erupoe😊

Posted by
526 posts

OP-I bank at a credit union and my card has same symbols. From experience, your card should work. Please make sure to call your credit union and let them know you plan to be out of the states. They will need to know your travel dates and where you will be traveling. If you fail to inform them, they might block your card--and you will not be able to withdraw cash. During the call have them check your daily allowance for withdrawals, you might want to consider increasing the limit. Side note: some ATMs have cash limits. If you need more cash, find another ATM and withdraw more cash.

Also, if at all possible, you should have a back up method for withdrawing cash, like another Debit card tied to a different account. My husband had his frozen, due to fraudulent charges attempted in the states while we were on vacation. So, I used my Debit card to withdraw cash during that trip. You might want to consider two credit cards(different accounts), too.

Frank was just letting you know you had posted the same question in two places. You really only need to post in one location, this will keep all your answers and your follow up questions organized.

Posted by
3493 posts

Short answer: NONE

Longer answer: Some US banks have agreements with European banks that reduce the fees charged when you use them like Bank of America, and I think that Citibank has offices in some parts of Europe. But they are not abundant and may not be where you are. Better approach, if you are concerned about fees and saving money, is to open an account somewhere like Capital One 360 or Charles Schwab. Both have zero fee debit cards. I have used the Capital One 360 card for over 15 years and have never paid a penny in exchange or ATM use fees. Capital One also has a good assortment of credit cards with no foreign fees as well. Not suggesting you transfer all of your banking if you are relatively happy with your current bank, but you can use your Capital One 360 account as a travel account and only put money in it when you travel leaving just a dollar in it the rest of the time.

Posted by
10 posts

Thank you for all your help and advice. I will call my credit union today for more information. Thanks for the advice on being a new poster, I will post in one location next time. That does make it easier to keep track of😊.

I’m sure I will have lots more questions before our trip! If I can’t find answers in searching other posts, is it better to post in general Eruope or a specific country?.

Thank you

Posted by
3493 posts

Where to post depends on the question.

If it is specific to a location like "How do I get from Berlin to Munich?" that would go in the specific location (Germany).

IF it is general, like "How do I get cash in Europe?" that would go in the general topic.

Enjoy your journeys.

Posted by
1179 posts

it has a chip and the back has plus co op and star. It is a credit union

The card from one of my credit union accounts has the same symbols. I’ve used it through Europe, Asia, and South America.

I would go on line and fill out the travel form. That way you can ensure the right info is entered. And take a screen shot and put it in your phone for records sake.

Also make sure you have the full phone numbers of your credit unions. The 800 numbers don’t work overseas so make sure you get the area code versions.

Also get a 2nd account in case something happens to your first account. I used Andrews Federal Credit Union and have been happy with it.

Other things to do:

  • Download the app for all your banks
  • Bring 2-3 checks and keep them in your money belt.
  • Test all your ATM and Visa cards in local ATMs before the trip to make sure your PINS work.
  • Review your credit union web site for additional info on overseas travel. Many times they offer discounts and suggestions for safety.

I have also used the check deposit feature on my app to move money from my primary credit union account to the other.

Posted by
10 posts

Thank you cindy, I just spoke to my credit union and she said it will work in Europe and she entered all of our travel dates. I had the same thought about trying my debit card at an atm here😊.

Posted by
2664 posts

Mark sure your debit card is connected only to your checking account. You do not have a choice between checking and savings over there like we do here.

Posted by
4958 posts

Mark sure your debit card is connected only to your checking account. You do not have a choice between checking and savings over there like we do here.

Unless you don't have a checking account, then you can withdraw money from your primary account (e.g. a savings account).

Posted by
21867 posts

If connected in the US to both checking and saving, one should be listed as primary - probably checking. Only one time, several years ago, did I see an option of checking or savings. That was in Spain. ALL other experience is that the ATM defaults to the primary account (in our case checking) as the withdraw account. So -- assume you will NOT be given a choice.