Frankfurt Airport (FRA) ATMs and Currency Exchange

Germany · FRA airport money guide

Frankfurt Airport (FRA) ATMs and Currency Exchange: Germany Airport Money Guide

This guide lists every ATM and currency exchange point we could confirm at Frankfurt Airport, sorted by terminal and by which side of security it sits on. Use the finder above to filter by terminal. Below, you will find how to get euro (EUR) at the lowest cost, whether you are landing in Frankfurt or only passing through FRA on a connection, and which screens and counters to say no to.

Frankfurt’s own guidance notes numerous banks and ATMs across both Terminal 1 and Terminal 2. Currency exchange at Frankfurt is handled mainly by ReiseBank, a DZ BANK subsidiary, with branches in both terminals — for example Terminal 1 (Area A, Level 1 and Area Z, Level 3) and Terminal 2 (Area D and Area E, Level 2). Where to find ATMs and ReiseBank currency exchange across Frankfurt’s two terminals, which option gives the best rate, and how much cash you need in the eurozone.

Terminal financial overview

Frankfurt Airport is one of Europe’s biggest hubs, with two terminals linked by the free Sky Line people mover and shuttle buses, and major rail stations attached to Terminal 1. Getting euros is easy, but an ATM withdrawal beats the exchange counters for most travellers. This guide shows where the machines and ReiseBank counters sit, how to avoid markups, and how to reach the city.

Frankfurt has two terminals, 1 and 2, linked by the free Sky Line people mover and shuttle buses. Terminal 1 has both the regional (S-Bahn) station and the long-distance rail station attached, so most onward journeys start there.

Both terminals have ATMs and ReiseBank desks, so you can get euros wherever you land. For trains into the city or across Germany, head to Terminal 1, which has the S-Bahn station on Level 2 of Hall B and the long-distance station nearby; the free Sky Line connects from Terminal 2.

Across 2 terminals, this page lists 4 ATM locations (2 airside, 2 landside) and 3 exchange counter, kiosk or machines (1 airside, 2 landside). Terminal 1 has the widest choice.

• Terminal 1: Lufthansa and Star Alliance; regional and long-distance rail stations. 2 ATM locations, 2 exchange points.
• Terminal 2: oneworld and other airlines. 2 ATM locations, 1 exchange point.

Inside vs. outside security strategy

For the best value, withdraw euros from a bank ATM and choose euros rather than your home currency. If you are connecting and cannot leave airside, the gate-area ATMs cover you. If you are arriving, an arrivals-area ATM is quickest before the trains. Use ReiseBank when you need to buy or sell another currency, or your card is not working.

As a rule at FRA: withdraw EUR from a bank ATM landside when you arrive, buy only small amounts at a counter, and sell leftover euros back before security when you leave. Airside counters exist for convenience, not value, and once you are through passport control you cannot walk back out to compare.

Avoiding Dynamic Currency Conversion (DCC) markups

Dynamic Currency Conversion is the offer to charge a foreign card in its home currency instead of EUR. It looks helpful because you see a familiar number, but the ATM or shop sets the exchange rate, and it is usually several percent worse than the rate Visa or Mastercard would apply. Airports are where most travellers meet it first.

Whenever an airport ATM or a card terminal offers to charge you in your home currency instead of euros, decline it and choose euros. That “convenience” option, called Dynamic Currency Conversion, lets the machine set its own exchange rate, which is typically 3–7% worse than the rate your own bank or card network would use. Paying in the local currency always routes the conversion through your card network (Visa, Mastercard), which is almost always cheaper.

1. At an ATM, when the screen asks to convert or offers a "guaranteed rate", choose decline or without conversion.
2. At a card terminal, if asked "EUR or your currency?", pick EUR. If staff choose for you, ask them to redo it.
3. Read the operator fee on the ATM screen before you confirm. If it is high, cancel and try another bank's machine.
4. Check your receipt: a printed exchange rate or the word "DCC" means a conversion was applied.

Local cash vs. card tips for Frankfurt

You need only modest cash in Germany. Cards and contactless are widely accepted, though a few smaller cafes, bakeries and bars are still cash-preferred, so carrying some euros is wise. Keep around €30–€50 in small notes and coins for those spots and for tips. Tipping is modest: round up or add roughly 5–10% in restaurants, handed directly to the server rather than left on the table.

Before you fly, check two things with your bank: the foreign transaction fee on card payments and the fee for overseas ATM withdrawals. A card that waives both makes paying in EUR the cheapest way to spend in Germany. Tell your bank you are travelling if it still asks, carry a backup card from a different network, and keep the airport counter for small top-ups only.

Prices and operators at airports change. We checked this page against the official Frankfurt Airport and operator listings on 20 October 2026; confirm hours on the airport's own map on the day you travel.