Lithuania, a Baltic nation of medieval castles, lush forests, and a rich cultural heritage, is a captivating destination. Whether you’re exploring the cobbled streets of Vilnius, visiting the Hill of Crosses, or relaxing along the Curonian Spit, understanding how to access cash is useful. Lithuania is highly cashless, with card and digital payments widely accepted in cities and major tourist areas, though cash may still be needed in rural towns and markets. This guide provides key details on cash and ATMs in Lithuania, including withdrawal fees, transaction limits, exchange rates, and card acceptance, ensuring a smooth and hassle-free visit.
Where to find ATMs in Lithuania?
You can find ATMs at:
- Urban Areas: In major cities like Vilnius, Kaunas, and Klaipėda, ATMs are widely available, especially near bank branches, shopping centers, and commercial districts. Major banks such as SEB Bank, Swedbank, and Luminor Bank operate extensive ATM networks throughout the country.
- Tourist Spots: Popular destinations like the Old Town of Vilnius, Trakai Island Castle, and the Curonian Spit have ATMs nearby, often within or near tourist facilities. ATMs in Lithuania widely accept Visa, Mastercard, Cirrus, and Maestro. They can be found in shops, transportation hubs, and nearly all banks.
- Rural Areas: In smaller villages and remote regions, ATM availability can be limited. It’s advisable to carry sufficient cash when traveling outside major cities.
Best ATMs to use in Lithuania for foreigners
The best ATMs for foreigners to use in Lithuania are those owned by popular banks such as:
- Swedbank,
- SEB,
- Luminor,
- Siauliu Bank, and
- Citadele.
There are other banks with ATMs that also accept international debit and credit cards.
There are no known Global ATM Alliance member banks or All Points network banks in Lithuania.
Don’t accept conversion at ATMs and withdraw only in local currency
In Lithuania, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or, Charge in EUR).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate. Now if you ‘Accept’, you pay an extra % fee to the ATM for currency conversion also.
- If you Decline, the ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees, select ‘Decline/Without’ Conversion or ‘Charge in EUR’.
Can I use a foreign debit or credit card at an ATM in Lithuania?
Yes, many foreign debit and credit cards are widely accepted at ATMs here. ATMs commonly accept Visa, Mastercard, and Maestro cards. Some of them accept Plus, Cirrus, and American Express cards. Others like JCB, Diners, Discover and Rupay cards are generally not accepted.
What are the ATM opening hours
Most ATMs operate 24/7.
What are ATMs called
ATMs in Lithuania are usually found by a signage of words ‘ATM’ or ‘Bankomatas’ are widely used or signage has bank name without the words ‘ATM’ or ‘Bankomat’.
Language options at ATMs
ATMs in Lithuania typically offer Lithuanian and English as primary languages. Some also offer Russian. If you’re not familiar with these languages, using live translation via Google Translate’s camera function can be helpful; however, proceed cautiously, as translations may not be perfect.
What currencies can I withdraw from ATMs in Lithuania?
ATMs in Lithuania dispense cash only in the local currency, Euro (EUR).
ATM withdrawal limits in Lithuania?
ATMs in Lithuania have a maximum withdrawal limit per transaction of EUR 750 to EUR 2,000 per transaction. One bank also allows to withdraw as much as the card’s limit, in one transaction. ATMs typically do not limit the number of transactions per day and they do not impose daily withdrawal limits for foreign card holders.
ATM Fees in Lithuania
There are many fee-free ATMs in Lithuania. Majority of the Bank ATMs in Lithuania do not charge any ATM Access Fees per transaction to foreign card holders. So there are many fee-free ATMs you can use in Lithuania as a foreign cardholder!
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Lithuania. These are:
1. Currency Conversion Fees (Accept or Decline Conversion)
2. Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Lithuania
Use the lower fee ATMs in the country.
Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
Consider getting fee-free cards from your home country.
Avoid using ATMs at the airports, sometimes they have higher fees.
Ways to find fee-free ATMs in Lithuania?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Lithuania. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 100+ countries including Lithuania.
Safety at ATMs
Lithuania is generally considered a safe destination for travelers, and ATMs are widely available throughout the country, especially in urban areas. The Bank of Lithuania has implemented measures to ensure convenient access to cash, including an interactive accessibility map that displays ATM locations and their accessibility within certain distances. This initiative has improved access to cash for around 250,000 inhabitants in various municipalities across the country.
FAQs
What to do if an ATM takes your card?
If an ATM takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs in Lithuania?
Yes, its possible. There are many fee-free ATMs in Lithuania. Majority of the Bank ATMs do not charge any ATM Access Fees per transaction to foreign card holders. So there are many fee-free ATMs you can use in Lithuania as a foreign cardholder!
Foreign cards from US, UK, India, China, Europe, Australia accepted?
Absolutely yes! You can usually use cards from the US, UK, Europe, Australia, and other countries at ATMs in Lithuania.
Bitcoin ATMs
As of now, there are no known Bitcoin ATMs operating in Lithuania.
Foreign bank ATMs’ presence in Lithuania
Bank of America: No, there are no Bank of America ATMs here.
Citibank: No Citibank ATMs.
Barclays: No Barclays ATMs.
HSBC: There are no HSBC ATMs here.
Standard Chartered: No Standard Chartered ATMs here.
