Why You Should Use ATMs Inside Banks When Traveling
Awesome Travel Tip #3 • Safety
ATMs are one of those everyday things travelers stop thinking about — until something goes wrong. Using the wrong machine abroad can lead to card skimming, fraud, frozen accounts, and a ruined travel day you didn’t plan for.
Quick Answer
Use ATMs located inside banks during business hours. They’re far less likely to be tampered with, offer better security, and reduce your risk of card skimming and hidden cameras.
The Tip
Freestanding ATMs are prime targets for card skimmers and hidden cameras — two things you don’t want to deal with abroad. Using machines inside a bank during business hours greatly reduces your risk, thanks to surveillance cameras, staff nearby, and regular maintenance.
Always cover the keypad with your hand when entering your PIN, even if no one seems to be watching. And when prompted, decline dynamic currency conversion, which often comes with hidden fees and terrible exchange rates.
If possible, withdraw a larger amount less often to limit repeated exposure to ATM fees and security risks. A short walk to a bank ATM can save you a lot of money and stress.
Why the Inside ATM Rule Matters
ATM fraud abroad isn’t just inconvenient — it can completely derail your trip. If your card is compromised, you may lose access to cash, spend hours on international calls with your bank, or even have accounts frozen until you return home. Bank ATMs dramatically lower those risks.
How to Use ATMs Safely While Traveling
- Choose bank branch ATMs whenever possible.
- Use them during business hours for added security.
- Inspect the machine for loose parts or tampering.
- Cover the keypad every time you enter your PIN.
- Decline dynamic currency conversion and withdraw in local currency.
Mistakes to Avoid
- Don’t use isolated street ATMs at night. They’re higher risk and harder to get help.
- Don’t accept currency conversion prompts. They almost always cost you more.
- Don’t withdraw small amounts repeatedly. Fees and exposure add up quickly.
- Don’t ignore suspicious machines. If something looks off, walk away.
FAQ
Are bank ATMs safer than street ATMs?
Yes. ATMs inside banks are monitored, regularly inspected, and far less likely to have skimmers or hidden cameras installed.
What is dynamic currency conversion?
It’s when an ATM or terminal offers to charge you in your home currency instead of the local one. It usually comes with poor exchange rates and extra fees. Always decline it.
How much cash should I withdraw at once?
Withdraw enough to last a few days to reduce repeated ATM visits, but not so much that losing it would cause serious problems.
Related Travel Tips
Want to Travel With Less Risk and More Confidence?
ATM safety is just one piece of the puzzle. Our Awesome Travel Safety Handbook covers scams, theft prevention, money safety, and smart habits that help you avoid problems before they start — without traveling on edge.