How to Use ATMs in Peru: Complete Money Guide 2026
Complete guide to using ATMs in Peru. Best banks, fees, safety tips, withdrawal limits, and how to avoid common problems when getting cash.
Best ATM Banks in Peru
Global Net (BCP) - Best Choice
Fees: 20-25 soles ($5-$7) per withdrawal
- Most reliable ATMs in Peru
- Found everywhere (airports, cities, towns)
- Highest withdrawal limits (700-1,500 soles)
- Accept Visa, Mastercard, Amex
- English language option
Interbank
Fees: 18-22 soles ($5-$6)
- Good alternative to BCP
- Widespread in major cities
- Reliable machines
- Accepts major cards
ATM Fees & Costs
- Peruvian ATM fee: 20-25 soles ($5-$7) per withdrawal
- Your bank fee: $3-$5 (varies by bank)
- Foreign transaction fee: 1-3% (if your bank charges)
- Total cost: $8-$15 per withdrawal typically
- Tip: Withdraw maximum amount to minimize fees
How to Use ATMs in Peru
- Find a Global Net or Interbank ATM - Most reliable options
- Insert your card - Chip side up usually
- Select English - Press "English" or "Inglés"
- Enter PIN - Same PIN as home country
- Select "Withdrawal" or "Retiro"
- Choose "Savings" or "Ahorro" - Not checking
- Enter amount in soles - Withdraw maximum to save on fees
- Decline conversion - Always choose "Without Conversion"
- Take cash and card - Don't forget either!
- Keep receipt - For tracking expenses
Withdrawal Limits
- Global Net (BCP): 700-1,500 soles ($185-$395) per transaction
- Interbank: 700-1,000 soles ($185-$265)
- Other banks: 400-700 soles ($105-$185)
- Daily limit: Set by your home bank (usually $500-$1,000)
- Tip: Make multiple withdrawals if you need more cash
Safety Tips
- Use ATMs inside banks - Safest option during business hours
- Avoid late night withdrawals - Use ATMs during daytime
- Cover PIN entry - Shield keypad with your hand
- Be aware of surroundings - Watch for suspicious people
- Don't count money at ATM - Put it away immediately
- Use hotel safe - Don't carry all cash with you
- Have backup card - Keep second card separate
Common Problems & Solutions
Card Declined
Solution: Try different ATM, check daily limit, call your bank to authorize international use
Card Eaten by Machine
Solution: Go inside bank during business hours with passport, or call your bank to cancel card
ATM Out of Money
Solution: Try another ATM nearby, common on weekends/holidays
Frequently Asked Questions
How much do ATMs charge in Peru?
Peruvian ATMs charge 20-25 soles ($5-$7) per withdrawal. Your home bank may charge additional $3-$5 plus 1-3% foreign transaction fee. Total cost typically $8-$15 per withdrawal. Withdraw maximum amount to minimize fees.
Which ATMs are best in Peru?
Global Net (BCP) ATMs are best - most reliable, highest limits (700-1,500 soles), found everywhere. Interbank is good alternative. Both accept Visa, Mastercard, Amex. Avoid small bank ATMs with lower limits and reliability issues.
Should I exchange money or use ATMs in Peru?
Use ATMs. You get best exchange rate (official bank rate) vs currency exchange offices. ATM fees ($5-$7) are less than exchange office markups (5-10%). ATMs are convenient and found everywhere. Only exchange small amounts at airport for immediate needs.