What does your next ATM withdrawal abroad actually cost?
Pick your destination, your card, and how much you plan to pull out. We will show you the real total cost on your card, the worst-case if you fall for the DCC trap, and what the same withdrawal costs on a Wise card.
Your card at a real local bank ATM
If you accept DCC at the screen
Wise multi-currency card
How this calculator works
Best case: assumes you find a real local bank ATM (BNP Paribas in France, 7-Eleven in Japan, Santander in Spain, etc.), refuse DCC, and accept the local currency. Your only costs are your bank's foreign-transaction fee, your bank's international ATM fee, and any operator fee the local ATM charges.
Worst case (DCC trap): the same withdrawal, but you tap "yes" when the ATM offers to charge in USD. Dynamic Currency Conversion adds a hidden 5–12% markup on top of everything else. Most travelers we surveyed accept DCC at least once per trip, often without realizing it.
Wise card: Wise charges the real mid-market exchange rate (the one Google shows you) with no FX markup. ATM withdrawals are free for the first two per month or first $100 USD-equivalent, whichever comes first; over that, Wise charges $1.50 + 2%. The numbers above use Wise's published fee schedule and assume you have not exceeded the free monthly tier.
Want to go deeper? Read our full guide on how Dynamic Currency Conversion works, or the DCC detector quiz to see how exposed you are.
Bank fee data from publicly published fee schedules and verified user reports as of 2026. Estimates are illustrative; your actual fees may vary depending on account tier, premium status, and current Wise pricing. Wise referral links are affiliate links.