Airport currency exchange counters are the worst place in the world to get foreign cash. Travelex, Forexchange, ICE, and the dozens of generic kiosks at every major airport post exchange rates that are 8-15 percent worse than the rate you would get from an ATM 50 feet away. They count on you being jet-lagged, in a hurry, and unwilling to walk around comparing rates.

The fix is the same at every airport: walk past the counter, find the bank ATM in arrivals, and withdraw a small amount (50-100 units of local currency) for taxis, tips, and the first day. Use a no-FX debit card like Wise or Charles Schwab and you pay essentially zero in fees. These guides tell you exactly where the bank ATMs are at each major airport, which counters to avoid, and whether you actually need cash at all.

Airports covered

Flag of Italy
FCO
Rome Fiumicino
Flag of France
CDG
Paris Charles de Gaulle
Flag of Spain
BCN
Barcelona El Prat
Flag of Japan
NRT
Tokyo Narita
Flag of Germany
BER
Berlin Brandenburg
Flag of Portugal
LIS
Lisbon Humberto Delgado
Flag of Thailand
BKK
Bangkok Suvarnabhumi
Flag of Mexico
MEX
Mexico City Benito Juárez
Flag of Mexico
CUN
Cancun International
Flag of United Kingdom
LHR
London Heathrow
Flag of United Kingdom
LGW
London Gatwick
Flag of Canada
YYZ
Toronto Pearson
Flag of Greece
ATH
Athens Eleftherios Venizelos
Flag of Australia
SYD
Sydney Kingsford Smith
Flag of Netherlands
AMS
Amsterdam Schiphol
Flag of Switzerland
ZRH
Zurich Airport
Flag of Ireland
DUB
Dublin Airport
Flag of Iceland
KEF
Keflavik International
Flag of Turkey
IST
Istanbul Airport
Flag of Czech Republic
PRG
Vaclav Havel Prague
Flag of Austria
VIE
Vienna International
Flag of Croatia
DBV
Dubrovnik Airport
Flag of Vietnam
HAN
Noi Bai International
Flag of Indonesia
DPS
Bali Denpasar Ngurah Rai
Flag of India
DEL
Delhi IGI International
Flag of UAE
DXB
Dubai International
Flag of South Korea
ICN
Incheon International
Flag of Costa Rica
SJO
San José Juan Santamaría
Flag of the Dominican Republic
PUJ
Punta Cana International
Flag of Brazil
GIG
Rio de Janeiro Galeão
Flag of New Zealand
AKL
Auckland
Flag of Poland
WAW
Warsaw Chopin
Flag of Hungary
BUD
Budapest Ferenc Liszt
Flag of Belgium
BRU
Brussels Airport
Flag of Israel
TLV
Ben Gurion (Tel Aviv)
Flag of Hong Kong
HKG
Hong Kong International
Flag of Malaysia
KUL
Kuala Lumpur International
Flag of Taiwan
TPE
Taoyuan International
Flag of the Philippines
MNL
Ninoy Aquino International
Flag of South Africa
JNB
O.R. Tambo International
Flag of Morocco
CMN
Mohammed V International
Flag of Peru
LIM
Jorge Chávez International
Flag of Colombia
BOG
El Dorado International
Flag of Chile
SCL
Arturo Merino Benítez Intl
Flag of China
PVG
Shanghai Pudong International
Flag of Saudi Arabia
JED
King Abdulaziz International
Flag of Jordan
AMM
Queen Alia International
Flag of Kenya
NBO
Jomo Kenyatta International
Flag of Sri Lanka
CMB
Bandaranaike International
Flag of Tanzania
JRO
Kilimanjaro International
Flag of Cuba
HAV
Havana José Martí International
Flag of Australia
MEL
Melbourne (Tullamarine)
Flag of Canada
YVR
Vancouver International
Flag of Vietnam
SGN
Tan Son Nhat International
Flag of India
BOM
Chhatrapati Shivaji Maharaj Intl
Flag of Indonesia
CGK
Soekarno-Hatta International
Flag of Germany
FRA
Frankfurt
Flag of Germany
MUC
Munich
Flag of Italy
MXP
Milan Malpensa
Flag of Spain
MAD
Madrid-Barajas
Flag of Japan
HND
Tokyo Haneda
Flag of Brazil
GRU
São Paulo-Guarulhos
Flag of Norway
OSL
Oslo Gardermoen
Flag of Sweden
ARN
Stockholm Arlanda
Flag of Denmark
CPH
Copenhagen Kastrup
Flag of Finland
HEL
Helsinki-Vantaa
Flag of Singapore
SIN
Singapore Changi
Flag of Argentina
EZE
Buenos Aires Ezeiza
Flag of Egypt
CAI
Cairo International
Flag of Fiji
NAN
Nadi International
Flag of Panama
PTY
Tocumen International
Flag of Uruguay
MVD
Montevideo Carrasco
Flag of Ecuador
UIO
Quito Mariscal Sucre
Flag of Turkey
SAW
Istanbul Sabiha Gokcen
Flag of France
ORY
Paris Orly
Flag of Portugal
OPO
Porto Sa Carneiro
Flag of United Arab Emirates
AUH
Abu Dhabi Zayed Intl
Flag of Switzerland
GVA
Geneva Airport
Flag of Japan
KIX
Osaka Kansai
Flag of Thailand
DMK
Bangkok Don Muang
Flag of France
NCE
Nice Cote d'Azur
Flag of Thailand
HKT
Phuket International
Flag of Thailand
CNX
Chiang Mai International
Flag of Spain
AGP
Málaga-Costa del Sol
Flag of Spain
PMI
Palma de Mallorca
Flag of Italy
VCE
Venice Marco Polo
Flag of United Kingdom
MAN
Manchester
Flag of United Kingdom
EDI
Edinburgh
Flag of Australia
BNE
Brisbane
Flag of Canada
YUL
Montréal-Trudeau
Flag of New Zealand
CHC
Christchurch
Flag of New Zealand
ZQN
Queenstown
Flag of India
BLR
Bengaluru Kempegowda
Flag of Croatia
SPU
Split
Flag of Croatia
ZAG
Zagreb Franjo Tuđman
Flag of Dominican Republic
SDQ
Santo Domingo Las Américas
Flag of Egypt
SSH
Sharm el-Sheikh International
Flag of Norway
BGO
Bergen Flesland
Flag of Sweden
GOT
Gothenburg Landvetter
Flag of South Africa
CPT
Cape Town International

Coming soon

The list above now covers 100 airports, which takes in every major long-haul gateway our readers actually fly through, from Heathrow and Haneda to Cape Town and Nadi. New guides from here are added where readers ask for them rather than by passenger volume alone, which in practice means holiday secondaries and regional hubs: the Greek and Spanish island airports, the Japanese and Indian second cities, and the Caribbean and Indian Ocean resort gateways. If an airport you are flying into is missing, the country and city guides linked from each page cover the same ground on ATMs, fees, and DCC.

The universal airport rule

Most major airports have at least one local bank ATM in the arrivals area. Use that one. Skip Travelex, skip Forexchange, skip the "no commission" kiosks (the markup is built into the rate, the "commission" is just a separate fee they have removed). For most major destinations, you do not even need cash to leave the airport. Trains, taxis, Uber, FreeNow, and itTaxi all accept contactless cards almost everywhere. Withdraw 50-100 units of local currency only if you want a backup for tipping or markets on day one.

Before you tap, also remember the DCC trap: when the airport ATM asks "would you like to be charged in your home currency?" always say no, always pick the local currency. The 3-13% markup that DCC adds is the second biggest way travelers lose money at airports.