How to withdraw money from a bank or ATM
In a digital age it is important to know you can still access cash when you need it. And whether it is from your bank, nearest ATM, or in-store cashback—there are plenty of ways to withdraw money.
Wherever you are, at home or abroad, withdrawing or depositing physical funds could not be simpler. Discover our guide on how to withdraw money from an ATM or bank near you, and swiftly withdraw euros while you’re on the go.
What is a cash withdrawal?
Cash withdrawals electronically convert funds from your bank account, savings, or pension to physical cash in hand. Cash deposits work exactly the same way, only in reverse—physical money is deposited and digitally added back into the linked account.
Withdrawing cash from the bank
If you visit a branch of your bank, a representative will handle your transaction in person. Take your debit card, or a form of ID and your account details, and they can process the withdrawal for you, as long as you have enough funds.
Withdrawing cash via cashback
You can withdraw money at many retail stores when making a debit card purchase—the requested amount is added to your bill total, then given to you in cash. You’ll later see the withdrawal in your account statement.
Withdrawing cash using an ATM
Automated teller machines (ATMs) link your debit card to your checking account, giving you full access to your funds. As most machines accept all cards, you can most likely use any ATM, no matter who you bank with.
Withdraw cash with N26
Open an N26 account in minutes and you will receive a free virtual N26 debit Mastercard with free cash withdrawals each month at select ATMs. Better still, our premium You and Metal accounts include unlimited free foreign currency withdrawals, anywhere in the world
Making an ATM withdrawal couldn’t be easier.
- Just insert your physical card or scan your virtual one over the reader, select the language option, and enter your 4-digit PIN number.
- Once the PIN is approved, select ‘withdrawal’ for transaction type, and enter the amount you want to withdraw.
- Finally, collect your cash (and receipt if needed) and take back your debit card, if the machine hasn’t returned it already. Transaction complete!
How to withdraw money abroad
To withdraw money abroad, simply find a local ATM and complete your withdrawal using your PIN. You can also use CASH26 in selected European countries to withdraw cash at participating stores. Withdrawals in the Eurozone are free for N26 customers, and withdrawals worldwide are free for You and Metal account holders. However, the Terms and Conditions for withdrawals abroad may vary based on your account plan and country, so check your account for details.
Finding an ATM near you
Need the nearest ATM to withdraw money? You can use an online or app-based locator that provides a marked map of all ATMs in your current location. Use our N26 ATM locator feature now, and with one touch of the map symbol on the Cash map you can quickly navigate your way to the nearest ATM.
How to withdraw money without a card
As an N26 customer, you can use your virtual Mastercard to withdraw cash from an NFC-enabled ATM with just your smartphone. Simply hold your card up to the reader to complete your transaction. Plus, if you’re in Germany, Austria, Italy, Spain, or Greece, you can use CASH26 to withdraw cash at participating stores—no card required.
Cash withdrawal: limits and amounts
Your cash withdrawal limit varies from bank to bank. Most ATM withdrawal limits are between €200–€300 a day. Always be aware of your bank's withdrawal limit, especially if the money you need exceeds that amount.
For N26 customers, the maximum withdrawal limit from an ATM is €1,000 for most countries. You can also lower the withdrawal limit in your smartphone app. For swift and easy access to your own cash up to €1,000, choose the right N26 account for you.
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N26 Smart
The bank account that gives you more control
- Free Virtual Card
- Up to 10 Spaces sub-accounts
- Shared Spaces
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N26 You
The debit card for everyday and travel
- Up to 5 free withdrawals in the Eurozone
- Flight and luggage delay cover
- Medical emergency cover
- Winter activities insurance
N26 Metal
The premium account with a metal card
- An 18-gram metal card
- Up to 8 free withdrawals in the Eurozone
- Car rental insurance
- Phone insurance
How do I withdraw money from a bank ATM?
To withdraw money from an automated teller machine (ATM) you will need your debit card specific to your checking account, and your 4-digit PIN number ready.
What do I need to withdraw money from a bank?
To withdraw money from a tradicional bank, you will need your debit card specific to your checking account and a form of ID, to provide to the bank teller.
What is the cash withdrawal limit for an ATM?
Cash withdrawal limits vary from bank to bank. Some banks start at a €200 limit per day, but many go up to €300. With an N26 account, you can withdraw up to €1,000 per day and set your limit lower at your discretion.
How can I find the closest ATM?
You can locate your nearest ATM using an online app locator, which will give you a map that marks all ATM cash points near you. Find your nearest cash point with N26’s ATM location app.