Where to find ATMs in Munich?


The supply of cash is extremely important, especially when travelling. If you are traveling to a country you have never been to before and you do not know the situation regarding the supply of cash, it is better to think about it and get some information.

ATMs are the quickest way

The easiest way for a tourist to get money abroad is to simply go to an ATM and get the desired amount. But here, the simplicity already ends, as suddenly, many questions appear as for example: “Can I also get money with a credit card?”, “Do I have to pay operator fees?”, “Do I have to pay exchange or bank fees?”. Should I go to an ATM in the street or inside of a bank?” or “Are ATM-scams common in Munich or Germany?”. But the most frequently asked question is: “Where can I find an ATM in Munich?”.

Which ATM providers are there in Munich?

In Munich, there are either bank-operated ATMs or privately operated ATMs, although the private companies also need an official license in Germany. So you can be sure that there are no fraudulent ATMs.
The largest operators of cash dispensers in Munich are:

  • Sparkassen (savings banks)
  • Private Banks (e.g. Commerzbank, Deutsche Bank, Hypobank, Postbank, Reisebank, Targo Bank, Unicredit)
  • Volks- und Raiffeisenbanken (cooperative banks)
  • Private Companies (e.g. Euronet, IC Cash Services, Cardpoint)

Which ATM should I choose?

Now you will surely ask yourself: “Does it make a difference for me as a tourist at which cash machine I withdraw my money? The answer to that is “yes and no”.
Basically, it does not matter whether you use a bank ATM or a privately owned ATM. As a foreign tourist, you will usually pay fees at every ATM. But the amount of these fees and of exchange rates vary from operator to operator. Private ATM operators usually have much higher transaction fees than banks.
My tip here is (if your own bank or credit card company does not reimburse the fees) that you always try to use a bank ATM.

If you like to read more about ATM fees in Munich and Germany, read my post “ATM fees in Munich and Germany” (coming soon).

Are ATMs easy to find in Munich?

Depending on where you come from, you may find it either easy or difficult to find an ATM in Munich. Especially tourists from the USA will find the search for an ATM rather uncomfortable. In the USA you can find ATMs (especially in big cities) in almost every shop, supermarket, or restaurant. Not so in Germany or Munich.
Not long ago you had to go to banks almost without exception to get to an ATM. Often these banks also had mini-branches not only in subway stations, at large train stations, or shopping malls but also throughout the city. But then, more and more banks focused on reducing their expenses and closed many branches. The emerging gap was filled by a few private ATM companies. Today, in addition to the banks and their branches, there are more and more often private-owned ATMs, which can be found in streets or shops, especially in touristy areas.

The most common places where you can find ATM’s in Munich are:

  • Banks (inside or outside of the Bank building)
  • Big train stations (Munich Main Station, Munich East Station, Pasing Station)
  • Big S-Bahn (urban rail) stations (e.g. Marienplatz, Main Station, Stachus (Karlsplatz), Hackerbrücke/ZOB)
  • Many subway stations (e.g. Moosach, Feldmoching, Rotkreuzplatz, Münchner Freiheit, Goetheplatz, Schwanthalerhöhe)
  • Touristy areas (e.g. Stachus (Karlsplatz), Viktualienmarkt)
  • Inside of touristy restaurants
ATM (IC Cash Company) near subway entrance in Munich

Good to know

Summary and additional short tips and infos about ATM’s in Munich:

  • There are lot’s of ATM’s throughout Munich, but maybe not in a density you might be used to.
  • There are bank-owned and private-owned ATM’s.
  • The best Chance to find ATM’s outside of bank buildings are touristy areas (Viktualienmarket, Marienplatz, Karlsplatz, etc.) urban rail stations and subway stations and sometimes inside of very touristy restaurants of the Old Town.
  • Private-owned ATM’s charge a much higher withdrawl fee than bank ATM’s.
  • Private-owned ATM’s can be confused with bank-owned ATM’s as some use the same color.
  • Even many people speak and understand English, the term “ATM” is not very common. So when asking for the direction to the next ATM, better use the German word “Bankomat” (colloqial but common) or “Geldautomat” (official term).

Christmas Shopping in Munich – Cheap flights from Portland, OR in Dec. 2021


Did you ever want to visit Munich before Christmas and soak up the vibe while enjoying a traditional Glühwein (mulled wine) and a Bratwurst? Munich is also great for Christmas shopping. Find warm winter clothes, cool shops and traditional souvenirs like candles, Krippenfiguren (nativity figurines), baubles, or typical Bavarian beer steins.

Now you can shop your way trough Munich and with a cheap flight you can spend even more for christmas presents ;-).

Deal details

December 2021:

Dec. 3rd – 12th: ~450 $
Dec. 3rd – 16th: ~450 $
Dec. 8th – 16th: ~450 $
best cheap fares can be found in the first two weeks of December, but only on specific dates.

COVID-19: Germany, Bavaria, Munich shutdown beginning March 17th 2020


The public life in Munich and Germany in general is shutting down from March 17th 2020 due tom COVID-19

public life as we know it as travellers will change drastically from today, March 17th 2020.
Germany, and with it Munich, will severely restrict public life due to the growing spread of COVID-19. What this means for citizens but also for travellers, I have summarised for you in the following article.[/vc_column_text][vc_empty_space height=”50″][vc_single_image image=”1466″ img_size=”500×500″ alignment=”center” style=”vc_box_circle_2″][vc_empty_space height=”50″][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

What does a shutdown in Germany and Munich mean?

On Sunday evening, March 15, 2020, the Bavarian Minister President announced that Bavaria, and thus also Munich, is declaring a state of emergency (in German: Katastrophenfall, literally “catastrophe case” K-case).
The Federal Government followed this decision and decided to implement a complete shutdown for all of Germany.

If a disaster is declared, the government is authorized to restrict public life. In the present case, this has an impact on schools, restaurants, museums, leisure activities, but also on public transport and cross-border traffic.[/vc_column_text][vc_empty_space height=”50″][vc_single_image image=”656″ img_size=”500×500″ alignment=”center” style=”vc_box_circle_2″][vc_empty_space height=”50″][vc_column_text]

What will change in Munich?

Below you can see the effects in Munich and Bavaria that the shutdown will have:

Educational institutions:

  • Schools and daycare centers are closed. Emergency care is guaranteed.
  • Universities and libraries are closed

Stores and Shops:

  • All shops are closed. Exceptions are: grocery stores, drugstores and supermarkets, beverage shops, banks, post offices, pharmacies and medical supply stores, opticians, pet shops, DIY- and hardware stores, gas stations, dry cleaners and of course online shops. Shopping malls are allowed to open shops mentioned above.

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In order to ensure the supply, the shop opening hours were adjusted and extended. The shop opening hours in Bavaria and Munich are as follows with immediate effect up to and including March 30th 2020:

weekdays: 6.00 AM to 10.00 PM
Sundays and public holidays: 12.00 AM to 6.00 PM

[/vc_column_text][vc_empty_space height=”50″][vc_column_text]Restaurants, bars and similar establishments:

May open, but only between 6 AM and 3 PM and only if it is ensured that a maximum of 30 people are in a room and that they are at least 1.5 metres (60 in.) apart.

Delivery services, takeaways and drive-in counters may remain open after 3 pm.

Hotel restaurants may continue to open, but only for the exclusive purpose of serving their own guests.

[/vc_column_text][vc_column_text]Leisure facilities:

All leisure facilities in Bavaria are closed until April 19. These are swimming pools, saunas, thermal baths, cinemas, conference and event rooms, clubs, bars and discotheques, gaming and gambling halls, theatres, museums, libraries, club rooms, brothels, sports halls, fitness studios, zoos, music and adult education centres and youth centres, sports- and playgrounds.[/vc_column_text][vc_column_text]Restaurants, bars and similar establishments:

May open, but only between 6 AM and 3 PM and only if it is ensured that a maximum of 30 people are in a room and that they are at least 1.5 metres (60 in.) apart.

Delivery services, takeaways and drive-in counters may remain open after 3 pm.

Hotel restaurants may continue to open, but only for the exclusive purpose of serving their own guests.

Service companies and handicraft enterprises:
Can continue working as usual. This applies to craftsmen such as plumbers, and car repair shops, but also hairdressers/barber shops. Nevertheless, these businesses can open at their own discretion. Many of these businesses will not open to protect their own employees.[/vc_column_text][vc_empty_space height=”50″][vc_single_image image=”1469″ img_size=”500×500″ alignment=”center” style=”vc_box_circle_2″][vc_empty_space height=”50″][vc_column_text]

Changes at national borders

The borders to the following countries are basically closed:

  • Denmark
  • France
  • Luxembourg
  • Switzerland
  • Austria

Still allowed to cross the border are vehicles/persons transporting goods, especially food, commuters and Germans returning home from abroad.

All other travellers, regardless of their nationality, who have no valid reason to enter Germany will be turned away at the border.

What are “valid reasons”?
Valid reasons include for example medical treatment, funeral of a family member, a required professional activity in Germany (e.g. commuters, seasonal workers, diplomats, etc.) or the delivery of goods.
The valid reason must be proven to the border officials by carrying suitable documents (employment contract, employer’s certificate, order documents, cross-border commuter card or similar).

Is transit through Germany permitted?
Persons who live in a third-party country and only travel through Germany for transit purposes (e.g. from Italy to the Netherlands) are generally allowed to pass through.

Each individual border official is responsible for deciding on entry. He or she decides at his or her dutiful discretion.

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Changes in flight and ship traffic

The German Federal Ministry of the Interior, Building and Community created a specific website for all such travel related questions. Information in English can be found under the following link:


Deal: BlaBlaBus cheap bus fares (travel Europe by bus)


Travel Germany and Europe by bus starting at 0,99 EUR oneway

BlaBlaBus, the Europe-wide operating long-distance bus company and competitor to Flixbus, is currently again offering extremely attractive oneway fares for long-distance bus trips. If you book at least one week in advance, prices are available from 0.99 EUR (approx. 1 USD, 0.85 GBP). And this on long distance routes such as Munich-Berlin or Munich-Cologne. Europe-wide connections are available from 4.99 EUR (approx. 5.50 USD; 4.30 GBP), for example Munich-Paris or Munich-Amsterdam.[/vc_column_text][vc_empty_space height=”50″][vc_single_image image=”1421″ img_size=”500×500″ alignment=”center” style=”vc_box_circle_2″][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

What is BlaBlaBus?

BlaBlaBus is a French company providing long distance bus services throughout Europe. The owner is the ridesharing company “BlaBlaCar”, which is well known in Europe.

After the German company Flixbus has gained a large market share in Europe, there is little competition. BlaBlaBus is one of the competitors and offers from time to time very reasonable long distance fares. If you as a traveller through Europe have the time to sit in a long distance bus for several hours, you can travel cheaply by bus throughout Europe. This is ideal for travelers on a tight budget, students or backpackers.[/vc_column_text][vc_empty_space height=”50″][vc_single_image image=”1427″ img_size=”500×500″ alignment=”center” style=”vc_box_circle_2″][vc_column_text]

How big is the BlaBlaBus network?

From Munich you can reach all major cities in Germany and western Europe such as Berlin, Cologne, Straßbourg, Paris, Amsterdam, Luxembourg or Milan. See the whole BlaBlaBus network.[/vc_column_text][vc_empty_space height=”50″][vc_column_text]

Cheap fares with BlaBlaBus?

During March you can find very cheap fares to German cities starting as low as 0.99 EUR oneway.

These are the cheapest routes for 0.99 EUR oneway:

Munich – Berlin

Munich – Ulm

Munich – Nuremberg

Munich – Würzburg

Munich – Frankfurt

Munich – Leipzig

Munich – Cologne

Munich – Mannheim


Other cities in Germany can be reached for 1.98 EUR:

Munich – Stuttgart

Munich – Heidelberg

Munich – Düsseldorf

Munich – Dortmund

Munich – Münster

Munich – Bielefeld

Munich – Osnabrück

Munich – Hannover

Munich – Bremen

Munich – Hamburg

What is included in the cheap fares?

Often such offers are just bait and switch offers or you have to book every little thing extra in the further booking process. But not here!
The following things are included in the special rate:

  • Two pieces of luggage/person (max. 20kg/44lbs per piece; LxHxW = max. 200cm/78.7in)
  • Two pieces of carry-on baggage (must fit in the overhead compartment)
  • Seat reservation
  • Air Conditioned bus
  • In-seat Power-Outlet and USB-Outlet
  • Toilet in bus
  • reclining seats
  • free Wi-fi (restricted to network coverage. There may be areas with no mobile signal)

But there has to be a snag to it, does it?

The only thing I found was the fact that the fares couldn’t be booked short-term (tomorrow, day after tomorrow). Also, the fare was linked to a certain connection. Usually one or two early connections (in the morning) and a late connection (in the evening).

How to book?

Go to the BlaBlaBus map. There you can choose your departure and arrival city and filter for prices. BlaBlaBus offers the following payment options:

  • Credit Card
  • PayPal
  • SOFORT (German customers only)