ATM fee optimizer
Pick your home bank, the withdraw size, and the ATM you'll use. The tool returns the real cost in fees plus the bad-ATM trap to avoid.
What this solves
Two ATMs sit on the same corner in tourist areas — one Italian bank, one yellow Euronet. They look identical. The Euronet charges €5-€6.50 per withdrawal on top of your bank's foreign transaction fee (FX 3-4%). A traveler who makes six withdrawals over a long weekend can lose €60+ in fees without realizing. This tool returns the real cost and tells you which ATM to find.
How to read the result
"Effective fee" is the total of: bank-side FX fee (0% for Revolut/Wise within allowances, 1-3% for traditional banks), fixed bank fee (€0-€5 per withdrawal), and ATM-side fee (€0 for Italian banks, €5-€6.50 for Euronet). Use this to decide whether to withdraw once and pay back or withdraw often.
Euronet offers "guaranteed conversion" — decline it. That is the dynamic currency conversion scam at ~7% above the official rate.
Limitations
FAQ
Can I pay by card everywhere?
Almost. Small bacari, vaporetti ticket machines, and some markets are still cash-only. Have €20-€50 on hand as backup.
What is dynamic currency conversion?
A prompt offering to charge you in your home currency instead of EUR. The conversion rate is 5-8% worse than your bank's. Always decline.
Should I bring EUR cash from home?
Helpful as a backup, but the spread at home exchange is 3-5%. Withdraw in Italy at an Italian bank ATM if your card is fee-free.