> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synctera.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How do ATMs and ATM fees work at Synctera?

> ATM fees are typically charged by the ATM owner/operator.

As our partner banks typically don’t own/operate ATMs, all ATM transactions will have fees until we offer surcharge free ATMs.

ATM fees vary, typically between 1.5 and 3% depending on the owner. These fees are charged to the cardholder as part of the transaction.