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ATM Fees in Canada: What a Withdrawal Costs, Networks and Refunds

Updated

Interac says customers may be charged a fee by their own financial institution, directly from their bank account, for an Interac cash transaction (using an ABM for a cash withdrawal that is not operated by their own financial institution); the application and amount of these fees vary by institution, and institutions may also charge a regular transaction account fee for Interac cash transactions. FCAC says a payment terminal operator or ATM operator may charge a convenience fee or surcharge if the fee appears on the screen where you enter your PIN and it gives you the option to cancel the transaction at no cost before you complete it, and that a convenience fee can also be a fee an ATM operator charges non-customers, for example when you use another financial institution's ATM. Below are the three fees FCAC names, each institution’s fee at another institution’s ATM, the networks that avoid a surcharge, the accounts that refund ATM fees and what a withdrawal outside Canada can cost, beginning with the fees.

What fees can an ATM withdrawal cost?

FCAC names three ATM fees: the regular account fee, a service charge from your financial institution to withdraw money at any ATM (a service package often covers it); the network access fee, charged by your financial institution when you use an ATM it does not own and added to the regular account fee; and the convenience fee, charged by privately owned ATM operators and by financial institutions where you do not have an account, which your financial institution adds to the network access fee and the regular account fee.

FeeWho charges itWhen
Regular account feeYour financial institutionA withdrawal at any ATM; a service package often covers it
Network access feeYour financial institutionA withdrawal at an ATM it does not own
Convenience feeA privately owned ATM’s operator, or an institution where you have no accountAdded on top of the other two

FCAC's comparison table (last modified August 2022, fees collected from Canadian financial institutions) shows a total cost of $0 to $2.00 at your own financial institution's ATM; at a financial institution where you are not a customer, a regular account fee of $0 to $2.00, a network access fee of $0 to $2.00 and a convenience fee of $1.00 to $5.00, for a total of $1.00 to $9.00; and at a private operator's ATM, $0 to $2.00, $0 to $2.00 and $1.50 to $5.00, for a total of $1.50 to $9.00. Each institution’s own fee, from its own documents, is in the next table.

FCAC says some ATMs are not owned by a financial institution such as a bank or caisse populaire; they are usually in non-traditional locations, display no major bank labels and are independently owned and operated. Interac says ABM owners or operators may impose a surcharge (for example $2.00) on customers who use their ABMs, also known as a convenience fee; under the Interac Consent Order issued by the Competition Tribunal Interac may not restrict the levying of a surcharge; if imposed, the surcharge amount must be properly disclosed to the customer, who must be given the option of cancelling the transaction without cost; and the amount is at the discretion of each ABM owner or operator.

What a bank must tell you about its charges is on bank fees.

What does each institution charge at another institution’s ATM?

Each row gives what the institution states for a withdrawal at an ATM it does not own, in Canada and, where it states one, abroad, with any plan that includes it; the ATM’s operator may add its own convenience fee on top.

InstitutionFee at another institution's ATM, in Canada and abroadSource
BMO$2.00 (Interac network, Canada; 1 withdrawal a month included in the Performance Plan, unlimited in the Premium Plan); $5.00 (Cirrus network, outside Canada; unlimited in the Premium Plan)BMO's fee document (PDF)
CIBC$2.00 (Canada, Interac); $3.00 + 2.5% admin fee (US, Plus/Visa networks); $5.00 + 2.5% admin fee (elsewhere internationally)CIBC's fee document (PDF)
DesjardinsNetwork access fees at a non-Desjardins ATM: $1.50 on the Interac network in Canada (AccuLink ATMs free); on the Plus network outside Canada, free at Desjardins Bank and Crédit Mutuel ATMs, $3.00 in North America, $5.00 elsewhere in the world. The Unlimited Plus plan includes withdrawals at non-Desjardins Interac and Plus ATMs with no Desjardins fee; on other plans the $1.25 ATM transaction fee applies if you have no plan or exceed the transactions in your plan. The ATM operator may add its own fee, shown on screen before you confirm.Desjardins's page
EQ BankNo EQ Bank fee for ATM withdrawals in Canada or abroad with the EQ Bank Card; ATM providers may charge their own feesEQ Bank's page
KOHOKOHO says you may be charged a $2-3 out-of-network fee to use an ATM because it does not own any ATMs for free withdrawals; withdrawals work at ATMs on the Cirrus networkKOHO's page
Manulife Bank$1.50 (in Canada); $3.00 (internationally, including the US)Manulife Bank's fee document (PDF)
National BankAt National Bank ABMs: $0.75 a transaction plus a $1.00 monthly flat fee, free with a banking package, certain banking offers or All-In-One Banking. At ABMs on another network (not counting Mastercard cash advances): $2.00 a transaction on Interac, $5.00 on Cirrus, free on THE EXCHANGE. The Total package includes use of the Interac and Cirrus networks.National Bank's fee document (PDF)
Neo FinancialNeo charges no fee now for a cash withdrawal with the Neo Money card; the ATM operator may charge its own fee. From January 1, 2027 Neo's cash withdrawal fee with the Neo Money card is $1.50, or $0 with a Neo Start, Build or Grow membershipNeo Financial's page
RBC$2.00 (Interac network; no RBC fee on Advantage Banking, 3 free a month on Signature No Limit Banking, free on VIP Banking); $3.00 (Plus network, in Canada or the U.S.; free on VIP Banking); $5.00 (Plus network, outside Canada/U.S.; free on VIP Banking); $1.00 (Interac Debit Cross Border; 5 free a month on Signature No Limit Banking, free on VIP Banking); the ATM operator may add its own feeRBC's fee document (PDF)
Scotiabank$2.00 (Interac network, Canada; Preferred Package gets 1 free/month then $2.00 each additional; Ultimate Package gets unlimited free); $3.00 (Visa*/PLUS* network, within Canada & U.S.); $5.00 (Visa*/PLUS* network, outside Canada & U.S.); Ultimate Package waives all three ABM access feesScotiabank's fee document (PDF)
Simplii FinancialFree at CIBC ATMs in Canada (not for withdrawals from a savings account). At bank machines not displaying the CIBC name or logo: $1.50 in Canada (Interac network), $3.00 outside Canada (foreign bank machine charge); some machines may add surcharges to the withdrawal; foreign currency withdrawals outside Canada may carry an administrative fee of 2.5% of the converted amountSimplii Financial's fee document (PDF)
TangerineChequing Account: free at Scotiabank and Global ATM Alliance ABMs (Global ATM Alliance members waive their surcharges; not in China, Colombia, Costa Rica, Guyana, Haiti, Malaysia, Netherlands Antilles, Panama, Thailand, Uruguay or Venezuela); $1.50 at other ABMs in Canada; $3 at ABMs outside the Global ATM Alliance in the US or worldwideTangerine's page
TDCash withdrawal at a non-TD ATM in Canada
$2.00 at non-TD ATMs within Canada; no service fee with a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan or TD Wealth Private Banking Account; the ATM's owner may also charge its own fee
Cash withdrawal at a non-TD ATM outside Canada
$3.00 at non-TD ATMs in the USA or Mexico; $5.00 at non-TD ATMs in any other foreign country; no service fee with a TD All-Inclusive Banking Plan or TD Wealth Private Banking Account; foreign currency withdrawals with a TD Access Card also carry a fee equal to 3.5% of the Canadian dollar amount after conversion		TD's fee document (PDF)
WealthsimpleWealthsimple charges no ATM fees; the ATM operator may charge one (about $3.00 for a withdrawal at ATMs Canada-wide with the physical card), which Wealthsimple reimbursesWealthsimple's page

Checked against each institution's pages between October 20, 2026 and October 21, 2026.

Institutions in this table: BMO, CIBC, Desjardins, EQ Bank, KOHO, Manulife Bank, National Bank, Neo Financial, RBC, Scotiabank, Simplii Financial, Tangerine, TD and Wealthsimple.

Other fees by institution are compared on bank fees.

Which ATM networks avoid a surcharge?

THE EXCHANGE Network says it is a group of banks and credit unions that have agreed to let their cardholders use each other's ATMs as if they were their own, with surcharge-free access to thousands of ATMs across Canada; every EXCHANGE ATM can complete a cash withdrawal, PIN change, transfer or balance inquiry; it is operated by Ficanex Services Limited Partnership. FCAC says some credit unions are also members of THE EXCHANGE network, which is similar to the INTERAC network; members of THE EXCHANGE network do not charge customers of other member institutions convenience fees, though network members may charge their own customers a network access fee for using it. Interac says it keeps its fees as low as possible, and that banks and ABM operators may add a surcharge or "convenience fee" on top for their services.

FCAC says whether your debit card works at ATMs in other countries depends on which ATM networks your financial institution belongs to; the network logos on the back of the card may include Plus, Maestro or Cirrus; the most common ATM networks belong to Visa (the Plus network) and Mastercard (Maestro and Cirrus). Visa Canada says that where Visa Debit is issued on a bank card that also supports Interac, it works at Canadian ABMs but the transaction is processed by Interac, and that Visa Debit (excluding Virtual Visa Debit) can be used to withdraw funds directly from your bank account at more than 2.2 million ABMs around the world where Visa is accepted; how a debit card that carries a second network works is on debit cards.

What each institution, or a network that lists it, says about the ATM networks its card uses:

InstitutionWhat the institution, or a network that lists it, says about its ATM networksSource
DesjardinsDesjardins says AccuLink is an ATM network owned by the Canadian Credit Union Association, of which it is a part, with approximately 1,800 ATMs across Canada, and that members can use the Desjardins Access Card for free withdrawals at AccuLink ATMsDesjardins's page
Manulife BankTHE EXCHANGE lists Manulife Bank among its participating financial institutions, whose cardholders get surcharge-free access to THE EXCHANGE ATMs across Canadatheexchangenetwork.ca
National BankNational Bank says its debit card gives access to the Interac, Cirrus and THE EXCHANGE automated banking machine networks in Canada and abroad, as applicable; THE EXCHANGE lists National Bank of Canada among its participating financial institutionsNational Bank's fee document (PDF)
Neo FinancialNeo says its Neo Money card works at any ATM worldwide that displays the Mastercard, Cirrus or Maestro logoNeo Financial's page
ScotiabankScotiabank says it is a founding member of the Global ATM Alliance: when travelling you can use the ABMs of the international banks in the Alliance and skip the surcharge and save on access fees, at partner ABMs in over 40 countriesScotiabank's page
Simplii FinancialSimplii says you can also withdraw money from any non-CIBC ATM displaying the Interac or PLUS signs, where additional costs may apply, including any fees from the owner of the other machine; outside Canada, from most ATMs displaying the Interac or PLUS signsSimplii Financial's page
TangerineTangerine says the Client Card gives access to Scotiabank's membership in the Global ATM Alliance, with no surcharges or access fees at nearly 44,000 machines in over 40 countriesTangerine's page

Checked against each institution's pages on October 21, 2026.

Institutions in this table: Desjardins, Manulife Bank, National Bank, Neo Financial, Scotiabank, Simplii Financial and Tangerine.

Which accounts refund ATM fees?

Some institutions say they refund ATM fees, each in its own terms and with its own limits; packages that include other institutions’ ATM withdrawals are in the fee table above.

InstitutionWhat the institution says it refunds, and the conditionsSource
CIBCCIBC says that on the CIBC Smart Account in Tier 1 the fee for 1 non-CIBC ATM withdrawal in Canada is rebated each month ($2.00 for each additional withdrawal), and in Tier 2 and Tier 3 the fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each month; for CIBC Smart Start and CIBC Smart for Students the fee for 1 non-CIBC ATM withdrawal made in Canada is rebated each month; the withdrawal counts as a transaction and fees may apply, and the additional fees for withdrawals from non-CIBC bank machines are not waivedCIBC's fee document (PDF)
EQ BankEQ Bank reimburses the ATM fees you are charged for using the EQ Bank Card at an ATM in Canada, for 5 withdrawals a month, up to $5 per withdrawal; the reimbursement is not made for fees charged outside CanadaEQ Bank's page
KOHOKOHO says that with an Extra or Everything plan you get one free withdrawal at ATMs outside Canada each month, that international ATM fees are usually at least $2-3, and that you can reach its support team for a reimbursement to your account; KOHO's accounts page says that with the Everything plan you get free ATM withdrawalsKOHO's page
National BankNational Bank's offer for students and professionals in medicine, dentistry, veterinary medicine, pharmacy, optometry and chiropractic lists a refund of a fixed $3 a transaction when using other financial institutions' ATMs on the Cirrus and Interac networks, and a refund of the 2.50% currency conversion fee at other ATMs on the Cirrus networkNational Bank's fee document (PDF)
Neo FinancialNeo reimburses the ATM operator's fee, up to $5 per withdrawal, to Build or Grow members for withdrawals in Canada in Canadian dollars with the Neo Money card where the operator charged a fee; international withdrawals are not eligible; it is applied automatically, usually within about a minuteNeo Financial's page
WealthsimpleWealthsimple says it will reimburse eligible fees charged by any ATM provider worldwide, an unlimited number of reimbursements regardless of the fee, within 4 business days after the ATM transaction settlesWealthsimple's page

Checked against each institution's pages on October 21, 2026.

Institutions in this table: CIBC, EQ Bank, KOHO, National Bank, Neo Financial and Wealthsimple.

What an account with no monthly fee leaves out is on no-fee chequing accounts.

What does an ATM withdrawal cost outside Canada?

FCAC says foreign currency conversion fees may apply when withdrawing money from an ATM in another country. THE EXCHANGE says its network offers surcharge-free access to ATMs across Canada; the Accel Network offers access to ATMs across the USA and these are not surcharge-free; and the Allpoint Network offers surcharge-free access to over 40,000 Allpoint ATMs in the US only.

Each institution’s fee outside Canada, and its conversion fee where it states one, is in its row of the fee table; which refunds reach withdrawals abroad is in the conditions in the refund table. Exchange rates, paying by card abroad and dynamic currency conversion are covered on paying abroad.

How can you keep ATM fees down?

FCAC's tips for ATM withdrawals include: use your own financial institution's ATMs whenever possible; fees can add up quickly at an ATM your institution does not own; stay within your monthly transaction limit by making fewer ATM withdrawals; consider whether you could use your debit card for in-store purchases, where you are not usually charged a fee; a credit card cash advance at an ATM may carry additional fees; and ask for cash back from merchants that offer it at no charge.

Refunds, and the packages that include other institutions’ ATM withdrawals, are in the two tables above, and the networks that avoid a surcharge are above. How a credit card cash advance is charged is on credit card cash advances.

Limits, a declined card, skimming and finding an ATM

The cash withdrawal amounts each institution publishes are on ATM withdrawal limits, and how to ask for a change on changing the amount. A card refused at the machine is covered on why a debit card is declined. Devices that copy card details at ATMs are covered on bank fraud. Interac’s site has an ABM locator, and THE EXCHANGE’s site has a locator for its surcharge-free ATMs.

Sources

The figures and rules on this page come from these sources, last checked against them between September 14, 2026 and October 21, 2026. How we check facts.