Fees for withdrawals from ATMs in the largest Polish banks rose, which is simply a general trend. Nevertheless, there are any banks that stand out for lower fees for specified transactions. Reviewing the offers of different banks can be beneficial, especially for people who frequently usage cash. Considering a possible change of account can bring savings on cash withdrawals from ATMs.
Especially now that fees have increased, it is worth looking at which banks can offer more favourable conditions for regular ATM users. You may find that there are options that supply free or cheaper withdrawals from ATMs within your own network or under certain conditions, specified as regular account receipts or frequent usage of payment cards.
Furthermore, awareness of the options available in the banking marketplace can bring benefits in the long term. Switching to an account offering lower cash withdrawal fees can be 1 of the steps in saving on regular bank transactions.
In almost all banks there are fees for withdrawals from ATMs outside their own network, but there are exceptions.
Some financial institutions, specified as Credit Agricole and Millennium Bank, offer the anticipation of free withdrawals subject to certain but not limited conditions. another banks let a certain number of free transactions, while others offer subscriptions to guarantee unlimited usage of ATMs. It is worth considering how to avoid charges for utilizing ATM services.
For example, Alior Bank charges PLN 3 for withdrawals from Planet Cash ATMs and another banks, while withdrawals from Euronet and withdrawals from its own ATMs are free of charge.
Credit Agricole in turn imposes a fee of PLN 7 for withdrawals from all ATMs. However, they are free of charge at ATMs belonging to their network, via BLIC payment and after gathering the applicable conditions (the account must be accounted for PLN 1500 all period and the client must make 5 payments with a card per month).
ING The Śląski Bank charges customers a fee of PLN 5 for each withdrawal from the ATM, but allows free withdrawals from the Planet Cash ATMs, in the BLIK strategy and for the first transaction in the period from the abroad ATMs.
mBank accepts different fees depending on the amount of withdrawal and the ATM network. Payment over 100 PLN in the mBank, Euronet, Planet Cash and Santander Bank Polska ATM is free. The lower amounts entail a fee of PLN 2.5. For withdrawals from another ATMs, a fee of PLN 7 is charged, but the client has the option of utilizing the “Payment from all ATMs” service for PLN 9 per month, regardless of the number of transactions.
Millennium Bank charges PLN 5 for withdrawal from ATMs of another networks and Euronet, while the fee is PLN 1 for withdrawal from Planet Cash and Santander Bank Polska ATMs. Payouts can be free if the client frequently uses a card to make purchases.
Pekao SA imposes a fee of 2.3% on the amount paid, but not little than PLN 5. The first 2 withdrawals per period are free, as are all withdrawals from Pekao SA.
PKO BP charges a fee of PLN 10 per withdrawal from another networks' ATMs, but does not charge a fee erstwhile the client uses PKO BP's ATMs or pays through BLIK.
Santander Bank Polska imposes a commission of PLN 5 for withdrawal from ATMs of another networks, but besides allows to acquisition a package for PLN 7 which gives the client the right to a number of free withdrawals per month.
In addition, in order to avoid withdrawal charges from ATMs, it is worth considering gathering the conditions laid down by individual banks, specified as regular account receipts or active usage of payment cards.
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Cash withdrawal limit from ATM – November 20, 2023:
