Global Major Cities Guide

Information about accessing cash from ATMs in Cologne, including fee considerations and international bank cards.

Currency: ATMs in Cologne dispense Euros (€), which is the official currency of Germany and most of the European Union.
Denominations: Typically, ATMs dispense €5, €10, €20, and €50 notes. Some machines may also provide €100 notes, but smaller denominations are more common and practical for everyday use.

Widespread Availability: ATMs (called "Geldautomaten" in German) are widely available throughout Cologne. You’ll find them at:
- Banks (e.g., Deutsche Bank, Sparkasse, Commerzbank, Volksbank)
- Train stations (e.g., Köln Hauptbahnhof - the central station)
- Shopping centers
- Near tourist attractions
- Convenience stores and supermarkets (some larger chains like REWE or Edeka may have ATMs inside or nearby)
24/7 Access: Most ATMs are accessible 24/7, especially those located outside banks or in public areas.

Domestic Cards (German Bank Accounts):
- If you have a German bank account, withdrawing from your own bank’s ATM is usually free.
- Using an ATM from a different bank may incur a fee, typically between €3–€5 per transaction.
International Cards:
- Most ATMs in Cologne accept international cards, including Visa, Mastercard, Maestro, and Cirrus.
- Fees for international withdrawals vary depending on your home bank. Common charges include:
  - A foreign transaction fee (usually 1–3% of the withdrawal amount).
  - A flat ATM usage fee (often €3–€6 per transaction).
- Some ATMs may display the fee on the screen before you confirm the transaction.
Dynamic Currency Conversion (DCC):
- Some ATMs may offer to charge your card in your home currency instead of Euros. This is called Dynamic Currency Conversion (DCC).
- Tip: Always choose to be charged in Euros, as DCC often comes with unfavorable exchange rates.

Insert Your Card: Insert your debit or credit card into the ATM slot.
Select Language: Most ATMs in Cologne offer multiple language options, including English, French, and Spanish. Select your preferred language.
Enter Your PIN: Enter your 4-digit PIN. Note that some ATMs may not accept PINs longer than 4 digits, so check with your bank before traveling.
Choose Transaction Type: Select "Withdraw Cash" (or equivalent).
Select Amount: Choose a preset amount or enter a custom amount. Be aware that some ATMs may have a daily withdrawal limit (usually €200–€500).
Collect Cash and Receipt: Take your cash and receipt promptly. The machine will return your card before dispensing cash in most cases.

Choose Safe Locations: Use ATMs located inside banks, shopping malls, or well-lit, busy areas. Avoid isolated or poorly lit ATMs, especially at night.
Be Aware of Skimming Devices: Check the card slot for any unusual attachments or tampering. If something looks suspicious, avoid using the machine.
Shield Your PIN: Use your hand or body to shield the keypad when entering your PIN.
Stay Alert: Be aware of your surroundings and avoid distractions while using the ATM.
Emergency Numbers: If your card is lost or stolen, contact your bank immediately. You can also call the German emergency number 112 for police assistance.

Queueing: Germans value order and politeness. If there’s a line at the ATM, wait your turn patiently.
Privacy: Respect others’ personal space while they are using the ATM. Stand a few steps back to give them privacy.
Cash Usage in Cologne:
- While card payments are widely accepted in Cologne, cash is still commonly used, especially in smaller shops, cafes, and markets. It’s a good idea to carry some cash for such situations.
- Coins are frequently used for small purchases, so keep €1 and €2 coins handy.

Inform Your Bank: Notify your home bank of your travel plans to avoid your card being blocked for suspicious activity.
Check Daily Limits: Confirm your card’s daily withdrawal limit and adjust it if necessary before traveling.
Use Bank ATMs: Stick to ATMs operated by reputable banks (e.g., Sparkasse, Deutsche Bank, or Commerzbank) to avoid higher fees and ensure security.
Currency Exchange: Avoid currency exchange kiosks at airports or tourist areas, as they often have poor exchange rates. Instead, withdraw Euros directly from an ATM for a better rate.
Contactless Payments: Many places in Cologne accept contactless payments via card or smartphone, but always have cash as a backup.

If your card is retained by the ATM:
- Visit the bank branch associated with the ATM (if during business hours) to retrieve your card.
- If the ATM is not linked to a specific bank or it’s after hours, contact your bank immediately to block the card and request a replacement.
Lost or Stolen Card: Call your bank’s international helpline. Major card providers like Visa and Mastercard have 24/7 support lines.

By following these tips and guidelines, you’ll find it easy and safe to access ATMs in Cologne. Enjoy your time in this vibrant city!