Payments
ATM fees increase for 3rd consecutive year
September 12, 2025
ATM fees have increased again this year, hitting $4.86, up from $4.77 in 2024, according to Bankrate's Checking Account and ATM Fee Survey.
The fee consists of an average of $3.22 from the bank running the ATM itself and $1.64 from the user's bank for using an out-of-network ATM. This is up from $3.18 and $1.58 last year respectively.
"As ATMs become less frequently used, associated fees are likely to rise. Consumers can most easily avoid these fees by banking with institutions offering wide ATM networks or reimbursing out-of-network ATM charges. An increasing number of online banks and brokerages now reimburse ATM fees, regardless of the machine used," Stephen Kates, financial analyst for Bankrate, said in a Bankrate report.
Other findings include:
- Atlanta had the highest average ATM fee at $5.37.
- Boston had the lowest fee at $4.37.
- 39% of banks surveyed don't charge customers for out of network withdrawals.
- The survey also found overdraft fees decreased from $27.08 in 2024 to $26.77 in 2025.
David Tente, executive director, Americas for the ATMIA told ATM Marketplace in an email statement that these fees apply to bank-owned ATMs, not independently owned ATMs, which typically have lower fees at around "$2.75 to $3.00." He also stated the primary reason for these bank fees going up is due to rising costs.
"Fees are going up because operational costs are going up. Due to continuing increases in ATM crime, insurance rates are increasing," Tente said. "Some ATM networks, such as MasterCard, have implemented new fees – which are being passed on to the consumer. Cash handling and replenishment costs are going up, as well."
