Travelling to Macau? Here’s a Macau ATM withdrawal guide for everything you need to know.
ATMs are everywhere, 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, including fees, best ATM withdrawal 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 public transport.
- You can use foreign debit and credit cards to withdraw MOP/HKD from most Macau ATMs.
- Most Macau banks typically charge between 15-30 MOP (~S$2.40-4.81) per transaction.
- Most Macau ATMs have a daily withdrawal limit of 10,000 MOP (~S$1,602.74).
- YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.
Do you still need cash in Macau?
Short answer: Yes.
Even in 2025, cash is still king in Macau. While digital payments and credit cards are accepted in many places, cash remains essential for day-to-day spending. Here’s why:
- Small Businesses & Street Food: Family-run restaurants, dai pai dongs (street stalls), and neighbourhood shops often only accept cash.
- Public Transport: Macau’s buses and some taxis still prefer cash payments. While a few accept stored-value cards, it’s simpler to carry small notes and coins.
- Minimum Spend Limits: Some shops and cafés do take cards, but set a minimum spend (~100-200 MOP | ~S$16.03-32.05) before allowing card payments.
- Tipping & Casinos: Tipping isn’t mandatory, but if you want to tip service staff or casino attendants, cash is the easiest way.
💡Tip: A good rule of thumb is to carry around 300-500 MOP (~S$48.08-80.14) for daily expenses, while keeping the rest of your funds on a multi-currency travel card like YouTrip. This way, you’re covered for both cash-only spots and card-friendly purchases.
📚 Macau ATM Withdrawal Guide: Also read Hong Kong ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2025)
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. However:
- Credit cards may treat ATM withdrawals as cash advances, immediately charging higher fees and interest.
- Prepaid multi-currency cards like YouTrip are often the cheapest option since they skip foreign transaction fees and give better rates compared to credit cards.
To locate the nearest ATM during your trip, use these global ATM locators:
📚 Macau ATM Withdrawal Guide: Explore Octopus Card Hong Kong: The Ultimate Guide For Tourists (2025)
Where to find ATMs in Macau?
Macau is packed with ATMs, especially near casinos, shopping centres, and tourist areas. Here are the most reliable banks and their 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, but ATMs can have slightly higher withdrawal fees.
Top ATM locations in Macau:
- Senado Square
- Cotai Strip (casinos, resorts, malls)
- Macau Tower
- Border Gate area
Pro Tip: Try to avoid random standalone ATMs, especially in bars or touristy areas – they usually charge more. You can recognise private ATMs because they’re not branded with a specific bank’s name and logo.
📚 Macau ATM Withdrawal Guide: Check out What To Do In Hong Kong: 7D6N Hong Kong Itinerary (2025)
How to withdraw cash at Macau ATMs
Here’s how you can withdraw Macanese Pataca (MOP) or Hong Kong Dollars (HKD) at Macau ATMs with YouTrip in 4 easy steps:
1️⃣ Locate an ATM displaying any of these logos and insert your YouTrip card
2️⃣ Select ‘Saving account’
3️⃣ Key in your 4-digit ATM PIN
4️⃣ Withdraw your desired amount in MOP/HKD
👉 Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter
And there you have it — you won’t ever have to worry about running out of cash in Macau.
📚 Macau ATM Withdrawal Guide: Find out more about how to withdraw with YouTrip here
Macau ATM fees
When withdrawing cash in Macau, you may face:
Local bank ATM fees: Around 15-30 MOP (~S$2.40-4.81) per transaction.
Your Bank’s fees: Your Singapore bank might add its own charges, which could be ~2-3% of the withdrawal amount.
To avoid any unexpected charges, it’s best to check with your bank before your trip!
📚 Macau ATM Withdrawal Guide: Discover Best Savings Account Singapore 2025: Top Interest Rates & Bank Picks
Tips to minimise ATM fees in Macau
Here’s how to avoid unnecessary charges when withdrawing money in Australia:
- Withdraw larger amounts at once to reduce the impact of flat ATM fees.
- Locate ATMs that partner with your home bank for potentially lower fees
- Avoid using bank cards which charge a 2-3% fee for foreign transactions and a 2-8% fee on ATM withdrawals.
- Use a multi-currency card like YouTrip, which offers competitive exchange rates with zero FX fees, and offers free monthly ATM withdrawals of S$400. Do note that a 2% fee will be imposed thereafter.
📚 Macau ATM Withdrawal Guide: Read Best Miles Credit Card in Singapore (2025): The Ultimate Guide
Macau ATM cash withdrawal limits
Most Macau ATMs have a daily withdrawal limit of 10,000 MOP (~S$1,602.74).
‼️ Note: Your own bank also has its own transaction limits. Do check with your bank before travelling to Macau!
Exchange Rates & Conversion Fees in Macau
Here’s what to watch out for:
- Dynamic Currency Conversion (DCC): ATMs may offer to charge you in your home currency — always select MOP or HKD. If you select SGD, the ATM applies DCC, which gives you a poor exchange rate with extra fees.
- Exchange Rate Markups: If you’re not using a multi-currency card, your bank may mark up the exchange rate by 1-4%. So, keep this in mind when calculating your total costs!
📚 Macau ATM Withdrawal Guide: Should I Exchange Money in Singapore or Overseas?
Tips to avoid extra fees on exchange rates: Use a multi-currency card
A multi-currency card allows you to spend like a local without the usual markups or extra charges your bank would typically charge — some even waive the FX fees entirely.
Consider cards like YouTrip, Wise, or Revolut if you’re looking to save on foreign exchange rates and pesky fees. These cards:
- Allow you to score real-time exchange rates
- Avoid or charge lower foreign transaction fees compared to traditional banks
- Charge lower ATM withdrawal fees & work at most ATMs and retail stores in Macau
Here’s a quick comparison between some of the best multi-currency cards in Singapore:
| YouTrip | Revolut | Wise | Amaze | Trust | |
|---|---|---|---|---|---|
| HKD Exchange Rate | 1 SGD = 6.073 HKD | 1 SGD = 6.056 HKD | 1 SGD = 6.057 HKD | 1 SGD = 6.070 HKD | 1 SGD = 6.050 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 | 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 monthly ATM withdrawals A 2% fee is imposed thereafter | Free monthly withdrawals of up to S$350 / 5 withdrawals A 2% fee is imposed thereafter | Free monthly withdrawals of up to S$350 / 2 or less withdrawals A 1.75% fee is imposed thereafter | A 2% fee is imposed on all amounts withdrawn | None |
*Rates taken as of 1 September 2025
📚 Macau ATM Withdrawal Guide: More on HSBC Everyday Global Account (HSBC EGA) Singapore Guide 2025
Safety tips for using ATMs in Macau
Stay safe when withdrawing cash in Macau:
- Use ATMs inside banks, casinos, or malls—higher security, less sketchy.
- Skip standalone ATMs in dark alleyways.
- Inspect for skimming devices (loose card slots or strange attachments).
- Cover your PIN with your hand when entering it.
- Enable transaction alerts through your banking app.
- If your card is stuck or lost, call your bank immediately.
📚 Macau ATM Withdrawal Guide: Check out Best Travel Agency in Singapore For Stress-Free Travel (2025)
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 with no fees and no hidden charges. You can also enjoy free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter. Perfect for hassle-free travel in Macau!
So if you’re looking for a go-to travel card, 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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