Key takeaways The average out-of-network ATM fee is $4.86 per transaction — a combination of your bank’s fee ($1.64 average) and the ATM operator’s surcharge ($3.22 average), according to Bankrate’s 2025 Checking Account and ATM Fee Study. Using an out-of-network ATM once a week would cost you about $253 per year in fees alone. International ATM withdrawals carry additional charges, often 1%–3% on top of a flat fee. The simplest way to avoid ATM fees is to stay within your bank’s network or switch ...