Amsterdam Airport Schiphol (AMS) ATMs and Currency Exchange

Netherlands · AMS airport money guide

Amsterdam Airport Schiphol (AMS) ATMs and Currency Exchange: Netherlands Airport Money Guide

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

ATMs are widely available across Schiphol — in arrivals, baggage reclaim, the lounges and the main Plaza — and are provided by GWK Travelex. Currency exchange at Schiphol is handled by GWK Travelex, whose main desk is in the arrivals hall at Schiphol Plaza, near the exit to the train station, with further locations in the lounges. Where to find ATMs and GWK Travelex currency exchange at Schiphol, which option gives the best rate, and how much cash you need in the eurozone.

Terminal financial overview

Amsterdam Schiphol is a single large terminal, with departure halls 1 to 3 and a train station directly beneath Schiphol Plaza. Getting euros is easy, but the airport’s ATMs and exchange are run by GWK Travelex, so paying attention to the rate and declining conversion markups matters. This guide shows where the machines and counters sit, how to keep costs down, and how to reach the city.

Schiphol is a single terminal with three departure halls (1, 2 and 3) under one roof, and arrivals feeding into the central Schiphol Plaza. The train station sits directly beneath the Plaza, so onward travel is only an escalator away.

Because Schiphol is one terminal, you are never far from an ATM or the GWK desk, whether you are arriving, departing or connecting. The central Plaza has the widest choice of machines and sits right above the train platforms.

Across 3 terminals, this page lists 3 ATM locations (1 airside, 2 landside) and 3 exchange counter, kiosk or machines (1 airside, 2 landside). Schiphol Plaza (arrivals and central area) has the widest choice.

• Schiphol Plaza (arrivals and central area): Arrivals, shops and the train station below. 1 ATM location, 1 exchange point.
• Departure Halls 1-3: Check-in and security. 1 ATM location, 1 exchange point.
• Airside lounges and gates: After security and passport control. 1 ATM location, 1 exchange point.

Inside vs. outside security strategy

For the best value, withdraw euros from an ATM and choose euros rather than your home currency — this matters at Schiphol because the machines are run by an exchange operator. If you are connecting airside, the lounge ATMs cover you. If you are arriving, a Plaza ATM is quickest before the train. Use the GWK desk to sell leftover currency or buy another currency.

As a rule at AMS: 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 Amsterdam

You need only modest cash in the Netherlands. Cards and contactless are accepted almost everywhere, and some places are card-only; a few markets and small cafes still like cash. Keep around €20–€40 in small notes and coins for those and for tips. Tipping is modest: round up the bill or add roughly 5–10% in restaurants if you were happy with the service.

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