Editing Czechia/Banking/Cash

{{DISPLAYTITLE:List of Czech ATMs not charging extra fees}}

In Czechia, you can find many ATM / bank machines (Czech: ''bankomat'') that allow you to withdraw cash. Here is a list of things to remember, especially when you are using a foreign Visa or Mastercard (e.g. from your home country). 

== Avoid Euronet machines ==

ATMs  from '''Euronet''' will try charge a fee of 100 CZK. So '''avoid them'''.

But there are cash machines from other banks that allow withdrawing without fees:

* [https://www.google.com/maps/search/csob+atm/@50.0785018,14.4403464,14z/data=!3m1!4b1 ČSOB]
* [https://www.google.com/maps/search/raiffeisen+atm/@50.0785018,14.4403464,14z/data=!3m1!4b1 Raiffeisen Bank]
* [https://www.google.com/maps/search/kb+atm/@50.0785018,14.4403464,14z/data=!3m1!4b1 KB (Komerční banka)]

== Decline conversion. Withdraw in CZK ==

Many ATMs (and sometimes even payment terminals in shops and restaurants) will offer you to convert the Czech crown into your home currency. For example, if you want to withdraw 1000 CZK, the machine will offer you

* to either withdraw 1000 CZK and let your bank do the conversion
* or do the conversion and charge you with EUR

This is always a bad deal. The conversion rate that the ATM will apply is usually much worse than your bank will apply.

So when asked, always pick '''Decline''' the conversion and '''pay / withdraw CZK'''.

== More ==

* Video guide on withdrawing at Czech ATMs:
 
<youtube>v1Hh8kY_hOY</youtube>
@@ Line 1: / Line 1: @@
-{{Head
+{{DISPLAYTITLE:List of Czech ATMs not charging extra fees}}
-|Withdraw Cash in Czechia
-|ATMs with no fees, Tips
-|When '''withdrawing cash''' in Prague or elsewhere, many Czech ATMs (''bankomat'') might charge extra fees when using a '''foreign Visa or Mastercard'''. But you can withdraw with no extra fees at ATMs of  ČSOB, Raiffeisen Bank &  KB (Komerční banka).}}
-{{FAQ|
-{{FAQ/Item|q= Which ATMs are recommended?  |a=
-Cash machines of these banks allow withdrawing without extra fees:
+In Czechia, you can find many ATM / bank machines (Czech: ''bankomat'') that allow you to withdraw cash. Here is a list of things to remember, especially when you are using a foreign Visa or Mastercard (e.g. from your home country).
-<div class="ul-list-style-none">
+== Avoid Euronet machines ==
-* [https://www.google.com/maps/search/Airbank+atm/@50.0784965,14.4403464,14z/data=!3m1!4b1 AirBank]
+ATMs  from '''Euronet''' will try charge a fee of 100 CZK. So '''avoid them'''.
-* [https://www.google.com/maps/search/fio+atm/@50.0784939,14.4403464,14z/data=!3m1!4b1 FIO]
+But there are cash machines from other banks that allow withdrawing without fees:
+* [https://www.google.com/maps/search/csob+atm/@50.0785018,14.4403464,14z/data=!3m1!4b1 ČSOB]
 * [https://www.google.com/maps/search/raiffeisen+atm/@50.0785018,14.4403464,14z/data=!3m1!4b1 Raiffeisen Bank]
 * [https://www.google.com/maps/search/kb+atm/@50.0785018,14.4403464,14z/data=!3m1!4b1 KB (Komerční banka)]
-</div>
+== Decline conversion. Withdraw in CZK ==
-}}{{FAQ/Item|q= Should I use currency conversion? |a=
-'''No.'''
-Many ATMs (and sometimes even payment terminals in shops and restaurants) will offer you to convert the CZK into your home currency. For example, if you want to withdraw 1000 CZK, the machine will offer you
+Many ATMs (and sometimes even payment terminals in shops and restaurants) will offer you to convert the Czech crown into your home currency. For example, if you want to withdraw 1000 CZK, the machine will offer you
 * to either withdraw 1000 CZK and let your bank do the conversion
-* or do the conversion and charge you with your home currency
+* or do the conversion and charge you with EUR
-This is nearly always a bad deal. The conversion rate that the ATM will apply is usually much worse than the one your bank will apply.
+This is always a bad deal. The conversion rate that the ATM will apply is usually much worse than your bank will apply.
 So when asked, always pick '''Decline''' the conversion and '''pay / withdraw CZK'''.
-}}{{FAQ/Item|q= How much should I withdraw? |a=
+== More ==
-In Czechia, you can '''pay by card nearly everywhere''': At supermarkets, ticket machines, restaurants and even most street food places.
-* So you will need cash only very rarely.
-* It is enough to withdraw '''only''' an amount needed as a '''backup'''.
-Some ATMs '''trick you''' to withdraw more than you need, by '''offering only high amounts''' when withdrawing.
-* So remember the exchange rate. For EUR-CZK, it is '''1 to 25'''.
-* Thus, '''€40''' are around '''1000 CZK'''.
-}}
-}}
-== See also ==
-* [https://www.youtube.com/watch?v=rdYhm__yMQY Video guide on withdrawing at Czech ATMs] by ''Honest Guide'':<br/> {{Youtube|rdYhm__yMQY}}
+* Video guide on withdrawing at Czech ATMs:
+<youtube>v1Hh8kY_hOY</youtube>