Is the currency exchange at Munich worth it?

Usually only for small or emergency amounts. ReiseBank and Travelex counters are convenient but airport rates carry a margin. Within the eurozone most arrivals do not need an exchange counter — a bank ATM is simpler and cheaper.

Can I exchange money after security at Munich?

Yes. ReiseBank has branches across both terminals including airside, and Travelex operates in the Terminal 1 non-Schengen area, so connecting passengers can exchange currency without leaving the secure area. Hours vary, so confirm first.

Should I pay in euros or my home currency at Munich?

Pay in euros. When an ATM or card machine offers your home currency (Dynamic Currency Conversion), it sets its own rate, usually several percent worse than your card network's. Choosing euros is almost always cheaper.

Do I need cash when I land in Munich?

A little. Cards and contactless work for the S-Bahn and taxis, but some cafes and beer gardens still prefer cash, so carry around €30 to €50 in small notes for those and for tips.

Munich Airport (MUC) ATMs & Currency Exchange

Gate 37 · Money

Global Airport ATM & Currency Exchange Finder

Pick a country and airport to see every bank ATM and exchange counter by terminal, split into airside and landside, with hours and the fee traps to avoid.

25 major airportsAirside and landsideChecked Oct 2026

MUC · Munich, Germany

ATMs and currency exchange at Munich Airport

ATM spots

Exchange

EUR

Currency

Quick answer: Munich has ATMs in both terminals, before and after security. Currency exchange at Munich is handled mainly by ReiseBank, with branches in Terminal 1 (Airport Center) and a cluster across Terminal 2 and its satellite, offering a wide range of currencies. Where to find ATMs and currency exchange across Munich’s two terminals, which option gives the best rate, and how much cash you need in the eurozone.

Partly verified against official listings on 20 October 2026.Locations are listed by zone from the airport’s own information; exact units are shown on the airport map.

ATMs by side of security

Inside the airport: airside

After security or passport control: gates, transit halls, baggage reclaim.

T2AirsideGates
Bank ATMs
Gate areas and the satellite, after security
Usually 24 hours
Dispenses EUR
General area
T1AirsideGates
Bank ATMs
Gate areas, after security
Usually 24 hours
Dispenses EUR
General area
T1AirsideNon-Schengen
Travelex
Non-Schengen area
Usually 24 hours
Dispenses EUR
Travelex ATMs added since late 2025.
General area

Outside security: landside

Public areas: arrivals hall, check-in, departures hall.

T2LandsideArrivals
Bank ATMs
Check-in and arrivals
Usually 24 hours
Dispenses EUR
General area
T1LandsideArrivals
Bank ATMs
Check-in and arrivals
Usually 24 hours
Dispenses EUR
General area
MACLandsideMAC
Bank ATMs
Around the central MAC building
Usually 24 hours
Dispenses EUR
General area

Fee and DCC warning

If an ATM or card machine at MUC offers to charge you in your home currency, decline and choose EUR. That offer is Dynamic Currency Conversion: the machine sets its own exchange rate, usually a few percent worse than your card network's. Check the operator fee on screen before you confirm, and cancel if it is high.

Nearby currency exchange counters and kiosks

Operators: ReiseBank, Travelex, Ria. Airport counters price in a margin; compare the quote with the mid-market rate in your banking app first.

T2AirsideCounter
ReiseBank
Branches across Terminal 2 and the satellite (Terminal 2)
Varies by location
EUR plus major currencies
Rate note: Wide range of currencies; rates carry a margin.
General area
T1LandsideCounter
ReiseBank
Airport Center (Airport Center)
Varies by location
EUR plus major currencies
Rate note: Main landside branch.
General area
T1AirsideCounter
Travelex
Non-Schengen area stores (Non-Schengen)
Varies by location
EUR plus major currencies
Rate note: Opened late 2025.
General area
T1LandsideCounter
Ria
Central area (Central area)
Varies by location
EUR plus major currencies
Rate note: Listed office; compare quotes.
General area

Sources:Munich Airport: official site Munich Airport: change money munich

Germany · MUC airport money guide

Munich Airport (MUC) ATMs and Currency Exchange: Germany Airport Money Guide

This guide lists every ATM and currency exchange point we could confirm at Munich 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 Munich or only passing through MUC on a connection, and which screens and counters to say no to.

Munich has ATMs in both terminals, before and after security. Currency exchange at Munich is handled mainly by ReiseBank, with branches in Terminal 1 (Airport Center) and a cluster across Terminal 2 and its satellite, offering a wide range of currencies. Where to find ATMs and currency exchange across Munich’s two terminals, which option gives the best rate, and how much cash you need in the eurozone.

Terminal financial overview

Munich Airport has two terminals plus a Terminal 2 satellite, linked airside and by the central MAC building that also holds the S-Bahn station. Getting euros is easy, but an ATM withdrawal beats the exchange counters for most travellers. This guide shows where the machines and exchange desks sit, how to avoid markups, and how to reach the city.

Munich has Terminal 1, Terminal 2 and the Terminal 2 satellite, all connected airside. The central MAC (Munich Airport Center) building sits between the terminals and holds the S-Bahn station for trains into the city.

Both terminals have ATMs and exchange desks, so you can get euros wherever you land. For trains into Munich, head to the S-Bahn station in the central MAC building, a short walk from either terminal.

Across 3 terminals, this page lists 6 ATM locations (3 airside, 3 landside) and 4 exchange counter, kiosk or machines (2 airside, 2 landside). ATM brands include Bank ATMs, Travelex. Terminal 1 has the widest choice.

Terminal 2 and satellite: Lufthansa and Star Alliance. 2 ATM locations, 1 exchange point.
Terminal 1: Other airlines. 3 ATM locations, 3 exchange points.
Munich Airport Center (between terminals): Shops and the S-Bahn station. 1 ATM location, 0 exchange points.

ATMs at Munich Airport (MUC)

Munich has ATMs in both terminals, before and after security. Withdrawing euros from a bank ATM gives you the Visa or Mastercard network rate, which is better value than the exchange desks for all but small amounts. The machines accept international cards on the Visa/Plus and Mastercard/Cirrus networks.

Inside security (airside)

After security, ATMs are in the gate areas of both terminals and the Terminal 2 satellite, convenient for connecting passengers who cannot leave the secure area.

Before security (landside & arrivals)

Before security, ATMs sit in the check-in and arrivals areas and around the central MAC building. Arriving, use an arrivals-area ATM, then walk to the S-Bahn station in the MAC between the terminals.

ATM fees and how to keep them down

Within the eurozone a euro withdrawal is simple, but fees still vary: your own bank may add an out-of-network or foreign-ATM fee and a foreign-transaction fee of around 1–3%. Keep the total down by taking out one larger amount rather than several small ones, declining any offer to be charged in your home currency, and preferring a recognised bank’s ATM over an independent machine, which often charges more.

Currency exchange counters at MUC

Currency exchange at Munich is handled mainly by ReiseBank, with branches in Terminal 1 (Airport Center) and a cluster across Terminal 2 and its satellite, offering a wide range of currencies. Since late 2025 Travelex also operates stores and several ATMs in the Terminal 1 non-Schengen area, and a Ria office is listed in the Terminal 1 central area. For most eurozone arrivals an exchange counter is unnecessary; an ATM is simpler and cheaper.

Getting from MUC into Munich: how to pay

You can reach the city from Munich without cash. The S-Bahn lines S1 and S8 run from the MAC station to the city centre in roughly 40 minutes; buy a ticket from the machines (card or cash) or use a mobile ticket, and validate it before boarding where required. Lufthansa Express Bus, taxis and ride-hailing all take cards. Check MVV for current fares. The only cash you really need is for tips and a few cash-preferred spots.

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 airside, the gate-area ATMs cover you. If you are arriving, an arrivals-area ATM is quickest before the S-Bahn. Use the exchange counters when you need another currency or your card is not working.

As a rule at MUC: 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.

Ways to get EUR at MUC, cheapest first
Option	Typical cost	Best for
Pay by card in EUR	Lowest with a no-foreign-fee card	Transport, shops, food
Bank ATM, landside arrivals	Low: your bank’s fee plus any on-screen operator fee	A cash float on arrival
Airside ATM	Low to medium, same rules	Connections, last-minute cash
Pre-ordered currency	Medium: better than the walk-up rate	Larger amounts, planned trips
ReiseBank walk-up counter	Highest: margin built into the rate	Small top-ups, selling leftovers

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.

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

Local cash vs. card tips for Munich

You need only modest cash in Germany. Cards and contactless are widely accepted, but some smaller cafes, bakeries and beer gardens still prefer cash, so carry some euros. Keep around €30–€50 in small notes and coins for those and for tips. Tipping is modest: round up or add roughly 5–10% in restaurants, handed directly to the server.

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 Munich Airport and operator listings on 20 October 2026; confirm hours on the airport's own map on the day you travel.

Frequently Asked Questions

ATMs are in the arrivals and check-in areas of both terminals and around the central MAC building. Use one after you land, then walk to the S-Bahn station in the MAC for trains into the city.

About this tool. This free Boarding Gate tool lists airport ATMs and currency exchange points from official airport and operator listings, with the date each was checked. Airports move counters and change hours, so confirm on the airport's own map before you travel. Built and maintained by Raja Qaiser.