ATMs at Munich Airport (MUC): Locations, Fees, Hours

Location: Munich, Germany Currency: EUR € European Euro

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ATMs in Munich Airport (MUC) Locations & Hours

Here’s a complete list of ATMs located inside Munich Airport (MUC), plus additional ATMs and banks near Munich Airport (MUC) for convenient cash withdrawals before or after your flight.

VR-Bank Erding ATM — Munich Airport Center (MAC) Level 03 (Public Area)

  • Location: Munich Airport Center (MAC), Level 03, public area (between Terminal 1 and Terminal 2)
  • Hours: Daily 24 hours

Reisebank ATM #1 — Munich Airport Center (MAC) Level 03 (Public Area)

  • Location: Munich Airport Center (MAC), Level 03, public area
  • Hours: Daily 24 hours

Reisebank ATM #2 — Munich Airport Center (MAC) Level 03 (Public Area)

  • Location: Munich Airport Center (MAC), Level 03, public area (second machine listed at MAC Level 03)
  • Hours: Daily 24 hours

Euronet ATM — Munich Airport Center (MAC) Level 03 (Public Area)

  • Location: Munich Airport Center (MAC), Level 03, public area
  • Hours: Daily 24 hours

Sparkasse ATM — Terminal 1 Module C Level 04 (Public Area)

  • Location: Terminal 1, Module C, Level 04, public area
  • Hours: Daily 24 hours

Reisebank ATM — Terminal 1 Module D Level 04 (Public Area)

  • Location: Terminal 1, Module D, Level 04, public area
  • Hours: Daily 24 hours

Euronet ATM — Terminal 1 Module A Level 04 (Public Area)

  • Location: Terminal 1, Module A, Level 04, public area
  • Hours: Daily 24 hours

Sparkasse ATM #1 — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area
  • Hours: Daily 24 hours

Sparkasse ATM #2 — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area (second machine listed on Level 03)
  • Hours: Daily 24 hours

Reisebank ATM #1 — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area
  • Hours: Daily 24 hours

Reisebank ATM #2 — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area (second machine listed on Level 03)
  • Hours: Daily 24 hours

Euronet ATM — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area
  • Hours: Daily 24 hours

Reisebank ATM #3 — Terminal 2 Gates G,H Level 03 (Behind Security)

  • Location: Terminal 2, Gates G,H, Level 03, behind security check
  • Hours: Daily 24 hours (subject to access only when airside is open to passengers)

Sparkasse ATM #3 — Terminal 2 Gates G,H Level 04 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 04, public area
  • Hours: Daily 24 hours

Sparkasse ATM #4 — Terminal 2 Gates G,H Level 04 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 04, public area (second machine listed on Level 04)
  • Hours: Daily 24 hours

Reisebank ATM #4 — Terminal 2 Gates G,H Level 04 (Behind Security)

  • Location: Terminal 2, Gates G,H, Level 04, behind security check
  • Hours: Daily 24 hours (airside access required)

Reisebank ATM #5 — Terminal 2 Gates G,H Level 04 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 04, public area
  • Hours: Daily 24 hours

Euronet ATM — Terminal 2 Gates G,H Level 04 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 04, public area
  • Hours: Daily 24 hours

Euronet ATM #1 — Terminal 2 Gates G,H Level 05 (Behind Security)

  • Location: Terminal 2, Gates G,H, Level 05, behind security check
  • Hours: Daily 24 hours (airside access required)

Euronet ATM #2 — Terminal 2 Gates G,H Level 05 (Behind Security)

  • Location: Terminal 2, Gates G,H, Level 05, behind security check (second machine listed on Level 05)
  • Hours: Daily 24 hours (airside access required)

Reisebank ATM — Terminal 2 Gates K,L Level 05 (Behind Security)

  • Location: Terminal 2, Gates K,L, Level 05, behind security check
  • Hours: Daily 24 hours (airside access required)

Euronet ATM #1 — Terminal 2 Gates K,L Level 04 (Behind Security)

  • Location: Terminal 2, Gates K,L, Level 04, behind security check
  • Hours: Daily 24 hours (airside access required)

Euronet ATM #2 — Terminal 2 Gates K,L Level 04 (Behind Security)

  • Location: Terminal 2, Gates K,L, Level 04, behind security check (second machine listed on Level 04)
  • Hours: Daily 24 hours (airside access required)

Nearby Option: Sparkasse Branch / ATM — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area (full Sparkasse branch plus ATM access)
  • Hours: Branch hours typically Mon–Fri 07:00–19:00; Sat–Sun 09:00–12:30 and 13:00–16:00 (ATM availability may be longer)

Nearby Option: Reisebank Branch / ATM — Munich Airport Center (MAC) Level 03 (Public Area)

  • Location: Munich Airport Center (MAC), Level 03, public area (bank counter plus nearby ATM access)
  • Hours: Branch hours typically daily 06:30–21:00 (ATM availability may be 24 hours)

Nearby Option: Reisebank Branch / ATM — Terminal 2 Gates G,H Level 03 (Public Area)

  • Location: Terminal 2, Gates G,H, Level 03, public area (bank counter plus nearby ATM access)
  • Hours: Branch hours typically daily 06:30–21:00 (ATM availability may be 24 hours)

Munich Airport (MUC) ATMs Walkthrough & Map

Follow the step-by-step walkthrough below to find ATMs when arriving at Munich Airport (MUC). For terminal maps and official airport info, visit Munich Airport (MUC) map/homepage.

International Arrivals (MUC Terminal 1 or Terminal 2)

  1. After landing, follow the airport signs for Arrivals and (if applicable) Passport Control / Immigration.
  2. Complete passport control (for non-Schengen arrivals), then proceed to Baggage Claim.
  3. Collect your luggage and pass through Customs.
  4. Once you enter the public Arrivals hall (landside), look for signs reading ATM, Bank, Reisebank, Sparkasse, or Euronet.
  5. If you arrive in Terminal 2, the easiest first choices are usually on the public levels around Gates G,H (Level 03 / Level 04), where multiple ATM brands are listed.
  6. If the closest machine is busy or declines your card, stay in Terminal 2 and try another brand nearby (e.g., Sparkasse, Reisebank, or Euronet) before leaving the building.
  7. If you arrive in Terminal 1, check the nearest public ATM in your terminal module (such as Module A/C/D Level 04) or walk to the Munich Airport Center (MAC) Level 03 between the terminals for more options.
  8. If you accidentally walk toward the train station or car parks first, follow signs back to MAC—MAC Level 03 is one of the most reliable ATM areas at MUC.

Schengen / Domestic Arrivals (MUC)

  1. After landing, follow signs for Arrivals and Baggage Claim.
  2. Collect your luggage and exit into the public arrivals area of Terminal 1 or Terminal 2.
  3. Look for ATM or bank signage on the public levels first—these are easiest to access without going through security.
  4. Terminal 2: Start with Gates G,H Level 03 (public), then Level 04 if needed; this area has several listed ATMs from multiple providers.
  5. Terminal 1: Check your closest module (A/C/D listed ATM points) on Level 04, then head to MAC Level 03 if you want more machine choices.
  6. If you are connecting and already have a boarding pass, you can also use airside ATMs behind security in Terminal 2 (G,H and K,L) instead of exiting to landside.
  7. Withdraw cash before heading to the S-Bahn station, rental cars, or long-distance buses if you want to avoid searching later with luggage.

Quick MUC Landmarks That Mean You’re Close

  • MAC (Munich Airport Center): If you are between Terminal 1 and Terminal 2, you are in one of the best ATM zones—MAC Level 03 has multiple listed ATMs.
  • Terminal 2 (G,H): If you see signage for Gates G/H and are on Level 03 or 04, you are close to several public-area ATMs.
  • Terminal 1 modules: If you are in Modules A/C/D on Level 04, you are near listed ATMs without needing to change terminals first.
  • Airside only: If you are already past security in Terminal 2 (G,H or K,L), there are additional ATMs behind security on upper gate levels.

Use the map below to find the nearest ATMs and banks near Munich Airport (MUC), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.

ATM Withdrawal Tips & Advice for Munich Airport (MUC)

  • Use MAC Level 03 as your backup plan. If you can’t find a working ATM in your arrival module, head to the Munich Airport Center (MAC) Level 03 between Terminal 1 and Terminal 2—this is one of the most reliable places for multiple ATM brands.
  • At Terminal 2, try public-area G/H ATMs before going airside hunting. MUC lists several ATMs in Terminal 2 Gates G,H Level 03 and Level 04 (public area), so most arriving passengers can get cash without re-clearing security.
  • Choose bank-branded ATMs first if you want lower total costs. MUC has both bank-branded machines (e.g., Sparkasse / Reisebank / VR-Bank) and independent networks like Euronet; bank-branded options may be preferable for some cards depending on your bank’s fee policy.
  • Watch for Dynamic Currency Conversion (DCC), especially on euro withdrawals. If an ATM offers to charge your card in your home currency, select EUR instead to avoid an unfavorable conversion markup.
  • Terminal 2 airside ATMs are useful for connections. If you are already behind security in G,H or K,L, MUC lists multiple behind-security ATMs, so you usually don’t need to exit and re-enter.
  • Terminal 1 arrivals can save time by using the nearest module ATM first. If you land in Terminal 1, check the listed machines in Modules A/C/D Level 04 before walking to another building.
  • Reisebank/Sparkasse branch counters are good for help, but ATMs are usually available 24/7. At MUC, many ATMs are listed as daily 24 hours, while staffed bank counters follow shorter operating hours.
  • Withdraw before heading to the S-Bahn if you need cash immediately. The airport train station is convenient, but it’s usually easier to sort cash in the terminal/MAC first while you still have clearer bank signage and more ATM choices.
  • If one ATM declines your non-EU card, switch brands and location. MUC has a strong spread of ATM providers across Terminal 1, Terminal 2, and MAC, so a second machine often works without much extra walking.
  • Expect your own bank fees even if the MUC ATM is open 24/7. Munich Airport ATM availability is excellent, but your home bank may still charge out-of-network or foreign withdrawal fees, so fewer/larger withdrawals can reduce total cost.

FAQs – Munich Airport (MUC) ATMs

Are there ATMs in both Terminal 1 and Terminal 2 at Munich Airport (MUC)?
Yes. Munich Airport lists ATMs in Terminal 1, Terminal 2, and the Munich Airport Center (MAC) between the terminals.

Where is the easiest ATM area at MUC if I’m not sure which terminal ATM to use?
The Munich Airport Center (MAC) Level 03 is one of the easiest and most reliable ATM areas because multiple providers are listed there (including bank-branded and independent ATMs).

Are MUC airport ATMs open 24 hours?
Many Munich Airport ATMs are listed as daily 24 hours. However, ATMs behind security require access to the airside area, so practical access depends on your flight and terminal security status.

Can I get cash after security at Munich Airport?
Yes. Munich Airport lists multiple behind-security ATMs in Terminal 2 (G,H and K,L), which is useful for connecting passengers.

What ATM fees should I expect at Munich Airport (MUC)?
Fees vary by ATM operator and your bank. You may see an operator fee (more common on some non-bank networks) plus your own bank’s foreign or out-of-network fees. Always review the on-screen fee notice before confirming.

Should I use Euronet or a bank ATM at MUC?
If you have a choice, many travelers prefer trying a bank-branded ATM (Sparkasse, Reisebank, VR-Bank) first, then using Euronet as a backup—especially if you want to compare fees and avoid DCC markups.

Where can I find a staffed bank if I need help, not just an ATM?
Munich Airport has bank counters/services including Sparkasse (Terminal 2, G/H Level 03) and Reisebank locations (including MAC Level 03 and Terminal 2 G/H Level 03), with shorter branch hours than ATMs.

What should I do if an ATM at MUC rejects my card or runs out of cash?
Try another ATM brand in the same terminal or go to MAC Level 03 for more choices. If repeated declines continue, contact your bank/card issuer and check whether foreign ATM withdrawals are blocked on your account.

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