Which French Banks Don’t Charge ATM Fees? Find Out the Best Options!

Why ATM Fees in France Can Be a Nightmare

Honestly, it’s super frustrating. You’re traveling around France, enjoying the sights, and suddenly you need cash. So, you walk up to the nearest ATM, put in your card, and boom — a fee appears out of nowhere. It’s like, why should you be charged for just getting your own money? Well, unfortunately, this is a reality in many places, but the good news is there are French banks that don’t charge ATM fees. And I’m here to tell you which ones to use.

But before we dive into the list, let’s talk about why ATM fees even exist in the first place. Many banks charge fees for withdrawing money from machines that aren’t owned by them. It's a way to cover the costs of operating those machines, but still, it feels a bit unfair, especially when you're just trying to get some cash while traveling.

Which French Banks Don't Charge ATM Fees?

Okay, so let’s get to the good stuff — which banks actually let you withdraw cash without charging extra? After doing a bit of digging (and talking to a few friends who travel a lot), here’s what I found:

1. Boursorama Banque

Well, Boursorama Banque definitely tops my list. I’ve had friends who swear by it, and I’ve used it myself a couple of times. One of the best parts? They don’t charge you for withdrawing money from any ATM in France. It's pretty much unlimited access, and the bank's fees are super low in general. This is especially helpful when you’re on the go and don't want to worry about constantly checking if you’re using the "right" ATM.

However, there’s a catch. While you won’t get hit with fees for domestic ATMs, things get a little tricky if you’re outside of France. Withdrawals abroad could still have charges, but that’s typical of most banks.

2. Hello bank!

Another bank that offers free withdrawals in France is Hello bank! This is a part of BNP Paribas, but don’t let that scare you off. It’s one of the most convenient options for French banking, especially if you're looking to avoid ATM fees. You get free access to most ATMs, both within France and in the Eurozone.

I’ve personally used Hello bank! on a few trips and, I won’t lie, I was impressed. The app is sleek and easy to navigate. And, bonus, no fees when you’re withdrawing from ATMs linked to BNP Paribas or their partner networks. But again, a word of caution—just check before using ATMs outside their network.

3. ING France

Actually, ING is pretty solid, especially if you're a frequent traveler. They offer a nice little perk: free ATM withdrawals within France. So if you’re mostly staying in the country, this could save you a ton of money. ING doesn't charge you for withdrawals, even from ATMs that are outside their network. But (and this is a big but), if you’re traveling outside the Eurozone, ING does have fees for foreign ATM withdrawals. It’s a bit annoying, but still better than paying fees every time in France.

4. Crédit Mutuel

Crédit Mutuel is another solid option if you're looking to avoid those pesky ATM fees. I’ve had a few friends who used this while living in France, and they never complained about extra charges when withdrawing from ATMs within their network. Plus, their customer service is pretty good, so if you run into any issues, they tend to sort things out quickly.

That said, if you’re traveling abroad, make sure to double-check the fee structure. While you won’t face charges in France, using foreign ATMs may result in some extra costs. Just a heads up.

How to Avoid ATM Fees While Traveling in France

You might be wondering, “Okay, what if I don’t want to switch banks just to avoid ATM fees?” Well, fair enough — I get it. You don’t want to go through the hassle of changing everything. So here’s a quick hack that works if you’re sticking with your current bank:

1. Look for Partner ATMs

Many banks in France partner with certain ATM networks. For instance, BNP Paribas has a network of partner ATMs that you can use for free. If you're traveling, always check which ATMs belong to these networks, so you avoid fees. It's easy, just use your bank's app to locate them.

2. Withdraw Larger Amounts Less Often

I know it sounds a bit obvious, but sometimes it's just easier to avoid fees by simply withdrawing larger amounts less frequently. It can save you from constantly racking up those small ATM fees. For example, if you're planning to stay in one city for a while, take out a big chunk of cash and just use it as needed. No need to keep withdrawing every few days.

3. Consider a Bank Account with International Withdrawals Included

Some banks, like Revolut, have accounts that allow for fee-free ATM withdrawals abroad (and in France, too, depending on the plan). If you travel a lot, or you’re just tired of dealing with ATM fees, these accounts can be a game-changer.

Should You Care About ATM Fees?

Honestly, after all the research and trial-and-error, my advice is simple: yes, ATM fees matter. They add up over time, and if you're traveling a lot or need to withdraw cash frequently, they can become a real burden. But don't stress too much — there are solid options out there that don’t charge. Banks like Boursorama, Hello bank!, and ING make it easy to keep your hard-earned money in your pocket.

So, the next time you’re in France, don’t let those sneaky fees catch you off guard. Be smart, plan ahead, and pick a bank that works for you. Your wallet will thank you!

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