Overview

• Wise analyzed about 9.7 million transactions across 202 countries over six months and found higher, highly uneven cash-withdrawal costs.
• Vietnam leads the 2025 ranking with an average fee of 27.10 percent, followed by Argentina at 20.51 percent, with Colombia at 16.66 percent and Indonesia at 10.91 percent after a sharp annual increase.
• European non‑euro destinations show elevated charges, with Turkey at 5.08 percent, Albania at 2.62 percent, Moldova at 2.29 percent, Andorra at 2.24 percent and Iceland at 1.7 percent.
• Germany remains comparatively low at an average fee of 0.28 percent, equal to €0.28 on a €100 withdrawal in the Wise data.
• Wise cites fixed fees on foreign cards, low ATM limits, unfavorable exchange rates and Dynamic Currency Conversion, while the EVZ notes card-type differences and requires that local surcharges be shown before confirmation.