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 cash while you’re on the go.

woman withdrawing money from an atm.

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 abroad

Many banks charge a fee for withdrawing cash abroad. With a N26 You or N26 Metal account, you can withdraw cash for free in any currency from ATMs worldwide.

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.

Withdrawing cash with N26

Open an N26 account in minutes and you will get a free virtual N26 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

How to withdraw money from an ATM

Making an ATM withdrawal couldn’t be easier. Just insert your card in 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!

image of an automated teller machine keyboard.
N26 banking app showing a map with ATM locations near the user.

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.

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.

As a N26 user, you can set a withdrawal limit in your smartphone app. For swift and easy access to your own cash, choose the right N26 account for you.

N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

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 bank, you will need either your debit card specific to your checking account, or a form of ID and your checking account details, 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.