Don’t Ever Pay ATM Fees Again!


New VISA card
Creative Commons License photo credit: Peter Hellberg

Have you ever found yourself without cash and you can’t find one of your bank’s ATMs around? I’m going to let you in on a little secret that can help you avoid getting charged foreign ATM fees.

Go inside the bank and ask for a cash advance.

Now before you start freaking out, I’m suggesting that you ask for a cash advance on your debit card, and not your credit card.  I think cash advances on credit cards should only be used in very dire emergencies.

It’s funny, because many people don’t ever think to use their debit card to get a cash advance.  If you go into the bank, the tellers should be able to swipe the debit card, process it as a cash advance, and the money should just get debited from your account with no fees on either end!  As far as I know, this works with any Visa or Mastercard debit card.

Traveling overseas and don’t want to pay foreign transaction fees?  Head into the bank.  You most likely won’t save yourself the foreign fee, but at least you won’t get hit with an ATM fee too.

Pass it on.  Knowledge is power!

Did you know you could use your debit card to get cash as a cash advance?  Do you pay ATM fees?

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9 thoughts on “Don’t Ever Pay ATM Fees Again!

  1. Robert says:

    You can go into a store and buy something, like a stick of gum or water bottle, and get cash back and you won’t be charged.


    Mrs Money Reply:

    Robert- True! It’s funny because my husband used to do this and I was like NOOO don’t do that!! I thought he got charged. That was years ago. 😉


  2. says:

    I’ve gone into CVS, buy one item I want on the debit card, then get cash back with no fees. So I know that works. 🙂


    Mrs Money Reply:

    Financialbondage- I forgot to mention that. 😉 LOL That is definitely a great way to avoid ATM fees too. 🙂


  3. Chris says:

    Wow didn’t know this. Might come in handy when I’m traveling in Thailand this summer. Here in the States I just do like the others here have mentioned – make a debit purchase and get cash back. Luckily my credit union just joined a new network, so now I can go into any 7-11 & use the ATM there fee-free.


    Mrs Money Reply:

    Chris- That would be fabulous! I think that doing this would be the best way to avoid any ATM fees. 🙂 I am so jealous you are going to Thailand!


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