Macau ATM Withdrawal Guide: Fees, Locations, Exchange Rates

Travelling to Macau? Here’s a Macau ATM withdrawal guide for everything you need to know.

ATMs are everywhere in Macau, but knowing how to avoid unnecessary fees and poor exchange rates can save you a surprising amount of money. This Macau ATM withdrawal guide covers everything you need to know in 2026 — including fees, the best ATM spots, exchange rate tips, and how to keep your money safe.

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Summary:

• Cash is still essential in Macau, especially for small businesses, street food, and informal vendors.
  
• You can use foreign debit and credit cards to withdraw MOP or HKD from most Macau ATMs.
  
• Major bank ATMs (BOC, BNU, ICBC) generally don’t charge a local ATM fee to foreign cardholders — but your Singapore bank likely will.
  
• Most Macau ATMs have a daily withdrawal limit of 10,000 MOP (~S$1,603).
  
• YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.

Table of Contents

1. Do You Still Need Cash in Macau?
2. Can I Withdraw MOP or HKD Using My Debit/Credit Card?
3. Where to Find ATMs in Macau
4. How to Withdraw Cash at Macau ATMs
5. Macau ATM Fees
6. Tips to Minimise ATM Fees in Macau
7. Macau ATM Cash Withdrawal Limits
8. Exchange Rates & Conversion Fees in Macau
9. Tips to Avoid Fees: Use a Multi-Currency Card
10. Safety Tips for Using ATMs in Macau

Do You Still Need Cash in Macau?

Short answer: Yes.

Even in 2026, cash is still king for much of daily spending in Macau. While digital payments and cards are accepted in hotels, larger restaurants, and most casinos, cash remains essential in plenty of situations:

• Small businesses and street food: Family-run restaurants, dai pai dongs (street stalls), and neighbourhood shops typically only accept cash.

• Public transport: Macau buses accept cash (6 MOP per trip) or the Macau Pass stored-value card (3 MOP per trip — half the price). Alipay and WeChat Pay are also accepted on buses. If you’re taking several bus trips, a Macau Pass is worth picking up at the border or ferry terminal.

• Minimum spend limits: Some shops and cafés accept cards but set a minimum spend (~100–200 MOP | ~S$16–32) before allowing card payments.

• Tipping and casual spending: Tipping isn’t mandatory in Macau, but cash is the easiest way if you want to tip service staff or casino attendants.

Tip: A good rule of thumb is to carry 300–500 MOP (~S$48–80) for daily expenses, while keeping the bulk of your funds on a multi-currency travel card like YouTrip. This covers cash-only spots while keeping your money earning the best exchange rate.

Related Guide: YouTrip Withdrawal Guide For Singaporeans: ATM Fees & Limits

Can I Withdraw MOP or HKD Using My Debit/Credit Card in Macau?

Yes — most international debit and credit cards (Visa, Mastercard, UnionPay, Cirrus, Maestro) work at ATMs in Macau. A few things to note:

• Credit cards may treat ATM withdrawals as cash advances, immediately triggering higher fees and interest. Use a debit or multi-currency card where possible.
• Prepaid multi-currency cards like YouTrip are often the cheapest option — no foreign transaction fees and better rates than credit cards.

To locate the nearest ATM during your trip:

• Visa ATM locator 
• Mastercard ATM locator 

Related Guide: Octopus Card Hong Kong: The Ultimate Guide For Tourists

Where to Find ATMs in Macau?

Macau is well-stocked with ATMs, especially near casinos, shopping centres, and tourist areas. The most reliable networks:

Image Credits: Macau Business

• Bank of China (BOC): One of the largest ATM networks, with machines available in casinos, malls, and near tourist attractions. 
• Banco Nacional Ultramarino (BNU): Widely available, especially around Senado Square and Taipa. 
• ICBC Macau: Good coverage and usually accepts international cards.
• HSBC: Convenient for international travellers, with potentially higher daily limits (up to 20,000 MOP for some accounts).

Top ATM locations in Macau: 

• Senado Square
• Cotai Strip (casinos, resorts, malls)
• Macau Tower
• Border Gate area
• Ferry terminals and the airport

Related Guide: What To Do In Hong Kong: 7D6N Hong Kong Itinerary

How to Withdraw Cash at Macau ATMs

Related Guide: Find out more about how to withdraw with YouTrip here

Macau ATM Fees

Local ATM fees: Good news — major bank ATMs in Macau (BOC, BNU, ICBC) generally do not charge a local ATM fee to foreign cardholders. Where fees do apply, it’s typically at independent or private ATMs (15–30 MOP | ~S$2.40–4.81 per transaction). Stick to major bank ATMs to avoid these.

Your bank’s fees: Your Singapore bank is the more likely source of charges — typically 2–3% of the withdrawal amount, plus a fixed fee. Check with your bank before your trip.

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Tips to Minimise ATM Fees in Macau

• Withdraw larger amounts at once to reduce the impact of any flat fees
• Stick to major bank ATMs (BOC, BNU, ICBC) — these are least likely to charge local operator fees
• Avoid standard bank debit/credit cards, which typically charge 2–3% for foreign transactions and 2–8% on ATM withdrawals
• Use a multi-currency card like YouTrip, which offers competitive exchange rates with zero FX fees and free monthly ATM withdrawals of S$400 (*2% fee applies thereafter)

Related Guide: Best SGD to HKD Rate in Singapore

Macau ATM Cash Withdrawal Limits  

Most Macau ATMs have a daily withdrawal limit of 10,000 MOP (~S$1,603). HSBC ATMs may allow up to 20,000 MOP for select accounts.

Your Singapore bank also has its own transaction limits — worth checking before you travel.

Exchange Rates & Conversion Fees in Macau

Two things to watch out for:

• Dynamic Currency Conversion (DCC): If an ATM offers to charge you in SGD instead of MOP or HKD — always choose MOP or HKD. Selecting SGD triggers DCC, which gives you a worse exchange rate with added fees.

• Exchange rate markups: If you’re not using a multi-currency card, your bank may mark up the exchange rate by 1–4%.

One more tip on currency: HKD is widely accepted in Macau, but you’ll typically get slightly less value (~3% less) than paying in MOP. When given the choice, pay in MOP.

Related Guide: Should I Exchange Money in Singapore or Overseas?

Tips to Avoid Fees: Use a Multi-Currency Card

A multi-currency card lets you spend like a local — no markups, no hidden charges. Some waive FX fees entirely.

Cards like YouTrip, Wise, and Revolut are worth considering. These typically:

• Give you real-time exchange rates
• Charge zero or lower foreign transaction fees vs traditional banks
• Offer free monthly ATM withdrawals and work at most ATMs and retail stores in Macau

Here’s a quick comparison of the top multi-currency cards in Singapore:

	YouTrip	Revolut	Wise	Amaze	Trust
HKD Exchange Rate	1 SGD = 6.147 HKD	1 SGD = 6.145 HKD	1 SGD = 6.132 HKD	1 SGD = 6.138 HKD	1 SGD = 6.138 HKD
FX Fees	No fees	On weekdays: No fees apply if you’re within your plan’s fair usage limit  On weekends: 1% fee applies regardless of your plan	Currency Conversion Fee: From 0.26% *fee varies by currency	No fees for FX transactions 1% domestic fee for SGD transactions	No fees
ATM Withdrawal Fees	Up to S$400 free/month; 2% fee thereafter	Up to S$350 or 5 withdrawals free/month; 2% fee thereafter	From 1 May 2026: Free up to S$100/month; 1.75% fee thereafter.	2% fee on all amounts withdrawn	None

*Rates taken as of 10 April 2026

Related Guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide

Safety Tips for Using ATMs in Macau

• Use ATMs inside banks, casinos, or malls — higher security, less risk
• Skip standalone ATMs in dimly lit or off-tourist-trail locations
• Check for skimming devices — look for loose card slots or unusual attachments
• Cover your PIN when entering it
• Enable transaction alerts via your banking app
• If your card gets stuck or lost, call your bank immediately

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Country ATM Guides:

Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:

Malaysia ATM Withdrawal Guide
Japan ATM Withdrawal Guide
Thailand ATM Withdrawal Guide
South Korea ATM Withdrawal Guide
Taiwan ATM Withdrawal Guide
Hong Kong ATM Withdrawal Guide
Indonesia ATM Withdrawal Guide
Vietnam ATM Withdrawal Guide
Australia ATM Withdrawal Guide
Macau ATM Withdrawal Guide

Get the Best MOP & HKD Rates with YouTrip!

Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best rates — no fees, no hidden charges. You also get free monthly ATM withdrawals of up to S$400, with a 2% fee imposed thereafter. Perfect for hassle-free travel in Macau.

Sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account.

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it.

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Happy travels!

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