Taiwan ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)

Travelling to Taiwan and need to withdraw some New Taiwan Dollars (TWD)?

This Taiwan ATM withdrawal guide covers everything you need to know — from fees and limits to the best ATMs for foreign cards and how to get the most value when converting your money.

Whether you’re a first-time visitor or a regular traveller to Taiwan, here’s how to make ATM withdrawals easy, safe, and cost-effective in 2026.

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Table of Contents

1. Do You Still Need Cash in Taiwan?
2. Can I Withdraw Cash in Taiwan Using My Debit/Credit Card?
3. Where to Find ATMs in Taiwan?
4. How to Withdraw Cash at Taiwan ATMs
5. Taiwan ATM Fees
6. Tips to Minimise ATM Fees in Taiwan
7. Taiwan ATM Cash Withdrawal Limits
8. Exchange Rates & Conversion Fees in Taiwan
9. Tips to Avoid Extra Fees on Exchange Rates
10. Taiwan ATM Safety Tips

Summary:

• Expect 100–200 TWD (~S$4-S$8) in local ATM fees per withdrawal 
• Cathay United Bank ATMs are recommended to avoid extra ATM fees 
• Avoid Dynamic Currency Conversion 
• Your home bank may charge 2-8% or a flat fee per withdrawal
• Use multi-currency cards like YouTrip to save on fees and get competitive TWD rates

Do You Still Need Cash in Taiwan?

Yes — while Taiwan is steadily adopting mobile payments, cash is still king in many places, especially at night markets, mom-and-pop shops, taxis, and in more rural towns.

So, unless you’re planning to stick strictly to upscale hotels and chain restaurants, it’s smart to have some cash on hand. And the most convenient way to get TWD? Using ATMs in Taiwan.

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Can I Withdraw Cash in Taiwan Using My Debit/Credit Card?

Absolutely. Most Taiwan ATMs accept international cards, including Mastercard, Cirrus, Maestro, Visa, Plus, and UnionPay. However, not all machines support foreign cards, so it helps to know where to go (more on that below!). 

Tip: It’s best to use a debit card or multi-currency card for cash withdrawals, as credit card withdrawals often come with higher fees and interest charges.

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Where to Find ATMs in Taiwan?

ATMs are practically everywhere — in 7-Eleven and FamilyMart stores, convenience stores, banks, metro stations, shopping malls, and airports. But for foreign cards, here are the best ATMs in Taiwan to look out for:

1⃣ Cathay United Bank — Locate your ATM here 
Pro Tip: 7-Eleven stores in Taiwan often have Cathay United Bank ATMs that work well with foreign cards, are known for not charging extra ATM fees, and are open 24/7. 

2⃣ Taiwan Cooperative Bank (TCB) – Locate your ATM here
Widely reported by travellers as not charging the standard 100 TWD operator fee for foreign cards, though this can vary depending on your home bank’s agreement.

3⃣ Bank of Taiwan – Locate your ATM here
Accepts foreign cards. Operator fees may apply — check the ATM screen before confirming

4⃣ Taipei Fubon Bank — Locate your ATM here
Accepts most international cards. Some travellers have reported being charged a 1% fee on the withdrawal amount, so check the ATM screen before confirming.

5⃣ CTBC Bank — Locate your ATM here
Accepts international cards, but sources note CTBC ATMs typically charge a withdrawal fee of around 100–150 TWD for international cards. 

6⃣ E.SUN Bank — Locate your ATM here
Accepts international cards. Operator fees may apply.

7⃣ Mega Bank — Locate your ATM here
Widely available. Operator fees may apply for foreign cards.

*The information stated above is true as of 9 Mar 2026

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How to Withdraw Cash at Taiwan ATMs

Here’s how you can withdraw New Taiwan Dollars at Taiwan ATMs with YouTrip in 4 easy steps:

1⃣ Locate an ATM displaying any of these logos and insert your YouTrip card 

2⃣ Select ‘Saving account’

3⃣ Key in your 4-digit ATM & Card PIN 

4⃣ Withdraw your desired amount in TWD

Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month with a 2% fee imposed thereafter 

And there you have it — you won’t ever have to worry about running out of cash in Taiwan.

Related Guide: Find out more about how to withdraw with YouTrip here

Taiwan ATM Fees

Here’s what you might be charged when withdrawing TWD in Taiwan:

• Local ATM operator fee: 100-200 TWD (~S$4.08-$8.15) per withdrawal
  
• Your Bank’s withdrawal fee: Varies between 2-8% (check with your bank)
  
• Foreign transaction fee: Typically 1-3%

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Tips to Minimise ATM fees in Taiwan 

• Use a multi-currency card like YouTrip, which offers competitive TWD exchange rates with zero FX fees and free monthly ATM withdrawals of S$400. Do note that a 2% fee will be imposed thereafter.
  
• Withdraw larger amounts less frequently — this way, you pay fewer flat ATM fees 
  
• Avoid dynamic currency conversion (DCC): Always choose to be charged in TWD, not your home currency 
  
• Stick to Cathay United Bank ATMs, which are known for not charging extra ATM fees 

Related Guide: SGD To TWD: How To Get The Best Taiwan Dollar Rate

Taiwan ATM Cash Withdrawal Limits  

Taiwan ATMs usually have daily withdrawal limits, which can range from 20,000 to 40,000 TWD (~S$804-$1,609), but this can vary by bank and your own bank’s limits.

Related Guide: Taiwan ATM Withdrawal Guide: Fees, Locations, Exchange Rates

Exchange Rates & Conversion Fees in Taiwan

When withdrawing cash at Taiwan ATMs, you might be asked whether you wish to withdraw in New Taiwan Dollars (TWD) or Singapore Dollars (SGD). Always choose TWD! If you select SGD, the ATM applies Dynamic Currency Conversion (DCC), which gives you a poor exchange rate with extra fees.

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Tips to Avoid Extra Fees on Exchange Rates

Short answer: Use a multi-currency card.

Using a multi-currency card like YouTrip, Revolut, or Wise can help you save on currency conversion fees. These cards:

• Let you convert SGD to TWD at real exchange rates
• Avoid or charge lower foreign transaction fees compared to traditional bank cards
• Work at most ATMs and retail stores in Taiwan

Here’s a quick comparison between some of the best multi-currency cards in Singapore:

*Rates taken as of 9 Mar 2026

Related Guide: Here’s a guide on the best multi-currency cards in Singapore

Taiwan ATM Safety Tips

• Use ATMs inside banks or busy areas like convenience stores or malls 
• Shield your PIN while typing 
• Don’t withdraw huge sums at once — keep things manageable 
• Watch out for skimming devices — if the machine looks tampered with, find another one

Related Guide: 15 Fun Things To Do In Taichung City, Taiwan

Country ATM Guides:

Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:

Malaysia ATM Withdrawal Guide
Japan ATM Withdrawal Guide
Thailand ATM Withdrawal Guide
South Korea ATM Withdrawal Guide
Taiwan ATM Withdrawal Guide
Hong Kong ATM Withdrawal Guide
Indonesia ATM Withdrawal Guide
Vietnam ATM Withdrawal Guide
Australia ATM Withdrawal Guide
Macau ATM Withdrawal Guide

Get the best TWD rates with YouTrip!

Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best TWD rates with no fees and no hidden charges. You can also enjoy free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter. Perfect for hassle-free travel in Taiwan!

So if you’re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it.

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Happy travels!

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