Las Vegas ATM Guide: Finding the Lowest Withdrawal Fees in the City

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Las Vegas ATM Guide: Finding the Lowest Withdrawal Fees in the City

Where To Find ATMs With The Cheapest Fees In Las Vegas

Withdrawing cash in Las Vegas is almost inevitable, but if you’re not careful, accessing your money can quickly become costly. The city is notorious for some of the highest ATM fees in the country, particularly within casinos and on the famed Las Vegas Strip. Whether you’re here to gamble, shop, or just explore the city, knowing where to find affordable ATMs can help you save money for your adventures.

Understanding Typical ATM Fees in Las Vegas

Most visitors to Las Vegas are surprised to learn just how much it can cost to withdraw cash, especially in tourist hotspots. The average ATM fee across the city sits at around $5 per withdrawal. If you use a machine inside a casino or at a resort on the Strip, you might pay fees as high as $10 to access your own funds. Even those who bring a substantial amount of cash may find themselves needing to top up during their trip, so planning ahead can be a major money-saver.

Strategies for Withdrawing Cash Without Paying High Fees

Completely free ATM withdrawals are rare in Las Vegas, but with careful planning, you can minimize or avoid extra charges altogether. Here are the top approaches for keeping costs down:

Bank ATMs and Customer Perks

  • Bank Customers: If you hold an account at a national bank like Wells Fargo or Bank of America, look for their branded ATMs at locations including airports and car rental centers throughout Las Vegas. Customers of these banks may be able to withdraw cash without incurring additional fees.
  • Canadian Visitors: Canadians with Interac or Plus network cards should seek out ATMs that carry the Allpoint logo. These can be found in stores like CVS Pharmacy, Walgreens, or at the Monorail Station at Harrah’s & the LINQ. The Las Vegas Convention Center is another potential spot for surcharge-free withdrawals.
  • Fee-Reimbursement Banks: Consider opening an account with a bank that reimburses ATM fees, but be mindful of possible caps or limits on the refunded amount.

Alliance Networks and National ATM Partnerships

Some banking institutions participate in shared ATM networks or alliances. These forums allow you to use a broader network of cash machines without paying a fee. If you travel frequently across the US, check to see if your bank is part of any such cooperative before your Vegas trip.

Using Retailers for Cash Back

Many major grocery and drugstores—such as Walgreens and CVS—offer cash back when you make a purchase with a debit card. This method can help you sidestep standard ATM charges. However, there are often lower withdrawal limits and you may need to make multiple transactions to get the amount you want.

Tip: Map out ATM locations and cash back opportunities before your trip and save them in your smartphone’s navigation app.

Where Can You Find the Cheapest ATM Withdrawals?

Sourcing ATMs with minimal fees in Las Vegas isn’t easy, but there are still some options where you might pay as little as $3 per withdrawal. Bank branches along the Strip may not waive fees unless you bank with them, but they generally charge less than in-casino machines. Bank of America and Wells Fargo have branches both on and near the Strip and downtown.

ATMs located in drugstores or convenience stores frequently offer lower fees than hotel or resort ATMs. However, if you’re visiting from outside the US, factor in potential international bank charges.

Wells Fargo ATM machines
Image: ErolAhmed/Unsplash

Why Are ATM Withdrawals So Expensive Inside Casinos?

Casino operators know that convenience is valuable—especially when adrenaline is high at the tables. That’s why in-casino ATMs are often among the most expensive in Las Vegas, frequently charging $8 to $10 (or more) per withdrawal.

Some casinos have introduced table-side ATMs or devices attached to gaming tables, which dispense your withdrawal directly in the form of casino chips. While these options can appear convenient, they typically ask for a transaction fee plus a percentage of the amount withdrawn, which can be even more costly in the long run.

In addition, while options like cryptocurrency ATMs exist in some casinos, they may come with their own hidden fees and learning curves. Direct wire transfers to casino cages or setting up lines of credit with the casino are also possible but are best suited for high rollers and carry significant terms or risks.

Aerial photography of casino
Withdrawing money inside casinos is the most expensive way to get cash in Vegas. [Image: ChumaA/Unsplash]

Sample ATM Fee Comparison at Top Las Vegas Casinos

To help you anticipate costs, here’s a look at withdrawal fees reported at several well-known Las Vegas casinos:

Casino Typical ATM Fee
Bally’s $9.99
Paris $9.99
Planet Hollywood $9.99
Caesars Palace $9.99
Flamingo $9.99
Aria $8.99
MGM Grand $8.99
The Venetian $7.99
Luxor $7.99

Staying Safe at ATMs in Las Vegas

A lower fee shouldn’t come at the cost of your safety. Always inspect ATM machines carefully before use. If anything about the machine or its surroundings feels off, seek another option. Las Vegas, like other major tourist areas, can attract scam artists looking to take advantage of distracted visitors.

Grey ATM machine.
Image: Joseff Little/Unsplash

Common ATM scams include card skimming (where a device captures your card’s data), fake keypads, hidden cameras, and mechanisms that trap your card. For enhanced security, use machines located inside bank branches or in well-lit, monitored places like airports.

If you prefer contactless payments, always be on the lookout for potential pickpocketing or “card reader” scams, especially in crowded/public settings. While some people use RFID-blocking wallets for added protection, their effectiveness is still debated.

Cash vs. Card: What’s Smarter for Your Vegas Trip?

Both carrying cash and using ATMs have pros and cons in Las Vegas. Bringing a reserve of cash can save you from sky-high withdrawal fees and impromptu trips to the ATM, but it also poses a safety risk. If you carry significant cash, split it into smaller amounts and store it in separate, secure locations such as internal compartments, hidden belts, or an in-room safe at your hotel or Airbnb. Avoid displaying large amounts of cash in public and steer clear of poorly lit or isolated areas, especially late at night.

On the other hand, frequent ATM use not only racks up transaction fees, but also exposes you more to potential scams. Limit withdrawals to larger, less frequent amounts where safe, and avoid high-fee or suspicious machines.

Remember that in Las Vegas, tipping is common for many services—from hotel staff to casino dealers—so having access to small bills is convenient.

The best approach is often a mix of strategies: plan your cash needs, keep backup funds on your card, and know where the most affordable ATMs are situated. Always keep your safety in mind and budget for the city’s extra expenses, no matter how well you plan ahead.

Armed with these practical tips, you’ll make the most of your spending money in Las Vegas—without losing any of it to avoidable fees.

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