Location: Panama City, Panama Currency: PAB PAB Panamanian Balboa
ATMs in Tocumen Airport (PTY) Locations & Hours
Here’s a complete list of ATMs located inside Tocumen Airport (PTY), plus additional ATMs and banks near Tocumen Airport (PTY) for convenient cash withdrawals before or after your flight.
Scotiabank ATM — Terminal 1 Mezzanine
- Location: Terminal 1, Mezzanine level (inside the terminal, between the main public level and the airside concourse)
- Hours: 24/7 (ATM)
Scotiabank ATM — Terminal 1 Muelle Norte (North Pier)
- Location: Terminal 1, North Pier / “Muelle Norte” concourse (airside seating and gate corridor area)
- Hours: 24/7 (ATM)
Scotiabank ATM — Terminal 1 Satélite B
- Location: Terminal 1, Satélite B satellite concourse (airside, along the gate corridor)
- Hours: 24/7 (ATM)
Banistmo ATM — Terminal 1 Arrivals (Public, Level 100)
- Location: Terminal 1, public Arrivals hall on Level 100 (landside), near the main exit flow after Customs / arrivals meeting area
- Hours: 24/7 (ATM)
Banistmo ATM — Terminal 1 Departures Check-in (Public, Level 100)
- Location: Terminal 1, public Departures level near airline check-in counters and the main passenger flow toward security
- Hours: 24/7 (ATM)
Banistmo ATM — Terminal 2 Arrivals (Public, Level 100)
- Location: Terminal 2, public Arrivals hall on Level 100 (landside), in the main passenger pickup / transport-facing hall
- Hours: 24/7 (ATM)
Davivienda ATM — Terminal 1 Arrivals (Public, Level 100)
- Location: Terminal 1, public Arrivals hall on Level 100 (landside), close to the main “ATM” signage cluster in the arrivals concourse
- Hours: 24/7 (ATM)
Davivienda ATM — Terminal 1 Airside Concourse (After Security)
- Location: Terminal 1, airside concourse after security (sterile area), near the central seating / retail corridor before branching to gate piers
- Hours: 24/7 (ATM)
Davivienda ATM — Terminal 2 Duty-Free Zone (Airside)
- Location: Terminal 2, airside duty-free / retail zone (after security), in the main shopping corridor before the gate areas
- Hours: 24/7 (ATM)
Global Bank ATM — Terminal 1 Departures (Public, Level 100)
- Location: Terminal 1, public Departures area on Level 100 (landside), near airline counters and passenger service desks
- Hours: 24/7 (ATM)
Global Bank ATM — Terminal 1 Arrivals (Public, Level 100)
- Location: Terminal 1, public Arrivals hall on Level 100 (landside), near ground transport/taxi direction signs and the main arrivals exit corridor
- Hours: 24/7 (ATM)
Global Bank ATM — Terminal 2 Arrivals (Public, Level 100)
- Location: Terminal 2, public Arrivals hall on Level 100 (landside), typically along the perimeter walls near transport counters and information points
- Hours: 24/7 (ATM)
Banco Panamá ATM — Terminal 1 Mezzanine / Connector Zone
- Location: Terminal 1, mezzanine/connector area (inside the terminal), commonly used as a pass-through zone between levels and concourses
- Hours: 24/7 (ATM)
Banco Panamá ATM — Terminal 2 Airside Retail Corridor
- Location: Terminal 2, airside retail corridor (after security), near the main commercial strip leading toward the gate areas
- Hours: 24/7 (ATM)
Caja de Ahorros ATM — Terminal 1 Arrivals (Public, Level 100)
- Location: Terminal 1, public Arrivals hall on Level 100 (landside), in the arrivals hall area where banking services are typically clustered
- Hours: 24/7 (ATM)
Caja de Ahorros ATM — Terminal 2 Arrivals (Public, Level 100)
- Location: Terminal 2, public Arrivals hall on Level 100 (landside), near the main exit flow and ground-transport direction signage
- Hours: 24/7 (ATM)
Banco Nacional de Panamá ATM — Terminal 1 (Near Banco Nacional Branch, Level 100)
- Location: Terminal 1, Level 100 (landside), close to the Banco Nacional de Panamá branch area
- Hours: 24/7 (ATM)
Banco Nacional de Panamá ATM — Terminal 2 Arrivals (Public, Level 100)
- Location: Terminal 2, public Arrivals hall on Level 100 (landside), near the main arrivals meeting zone and exit flow
- Hours: 24/7 (ATM)
Multi-bank ATM Area — Terminal 2 Arrivals Hall (Public, Level 100)
- Location: Terminal 2, public Arrivals hall on Level 100 (landside), look for the dedicated “ATM” signage and the cluster of machines from multiple banks
- Hours: 24/7 (ATM)
Multi-bank ATM Area — Terminal 1 Arrivals Hall (Public, Level 100)
- Location: Terminal 1, public Arrivals hall on Level 100 (landside), typically near the passenger meeting point and main exits toward taxis/transport
- Hours: 24/7 (ATM)
Banco Nacional de Panamá (Bank Branch) — Terminal 1 Level 100
- Location: Terminal 1, Level 100 (landside), Banco Nacional de Panamá branch area (useful for teller support if an ATM has issues)
- Hours: Mon–Fri 08:00–15:00 (branch); ATMs nearby are typically 24/7
RedPlus Currency Exchange (Reference Landmark) — Terminal 1 (Near Gate 135 / Level 100)
- Location: Terminal 1 (multiple service points referenced by the airport), commonly used as an easy landmark if you’re navigating toward the nearest ATM cluster
- Hours: 06:00–21:00 (currency exchange); ATMs nearby are typically 24/7
Banco General — Sucursal Plaza Tocumen (Branch + ATMs)
- Location: Plaza Tocumen (Vía Tocumen / Domingo Díaz corridor), a short drive from PTY (useful if you want a full-service branch after landing)
- Hours: Business hours vary by day (branch); ATMs often accessible beyond branch hours depending on the plaza/vestibule access
Metromall (Shopping Mall) — Multi-bank ATMs
- Location: Metromall (Vía Tocumen), a common “first stop” mall area from PTY with multiple bank ATMs inside
- Hours: Mall hours (typically daytime to evening); individual ATM availability varies by entrance access
Los Pueblos / La Doña Commercial Zone — Multi-bank ATMs
- Location: Commercial area along the Domingo Díaz / Tocumen corridor (en route to Panama City), where many banks and supermarkets host ATMs
- Hours: Varies by property; many supermarket-vestibule ATMs operate extended hours
Downtown Panama City (Banking District) — Full-service Branches + ATMs
- Location: City-center districts in Panama City with large branches, higher limits (sometimes), and multiple ATM options if airport ATMs are busy or out of cash
- Hours: Branch hours vary; ATMs often 24/7 depending on branch vestibule access
Tocumen Airport (PTY) ATMs Walkthrough & Map
Follow the step-by-step walkthrough below to find ATMs when arriving at Tocumen Airport (PTY). For terminal maps and official airport info, visit Tocumen Airport (PTY) map/homepage.
International Arrivals (Most Travelers) — Terminal 2 (PTY)
- After landing, follow the overhead airport signs for Immigration / Migración.
- Complete the Immigration process, then follow signs for Baggage Claim / Equipaje.
- Collect your luggage, then proceed to Customs / Aduanas and finish your entry process.
- As you exit Customs into the public Arrivals hall (landside), slow down and look for signage that reads “ATM”, “Cajero”, or bank logos (you’ll often see multiple machines grouped together).
- Walk along the Arrivals hall perimeter walls and toward the main passenger meeting area; ATMs are commonly placed along these walls near transport counters and information points.
- If you’re meeting a driver, withdraw cash before walking outside—once you step into the curbside/pick-up area, you’ll have to re-enter and clear the door security checks to come back inside.
- If the first ATM you try is out of service or out of cash, stay inside the Arrivals hall and walk 1–3 minutes to the next multi-bank ATM cluster (Terminal 2 typically has more than one cluster spread through the landside hall).
- Once you have cash, continue to the transport pick-up/meeting area outside.
International Arrivals (Some Flights) — Terminal 1 (PTY)
- After landing, follow signs for Arrivals and then Immigration (Terminal 1 passenger flow is often more compact than T2).
- Proceed to Baggage Claim, collect your luggage, then continue to Customs.
- After Customs, you’ll enter the public Arrivals hall on Level 100 (landside).
- Look for the nearest ATM / Cajero signage—Terminal 1 typically positions ATMs close to the main arrivals exit corridors where travelers meet rides and head toward taxis.
- If you can’t spot an ATM immediately, walk slowly toward the main exits and scan the walls near service counters; ATMs are commonly placed there for quick “first cash” withdrawals.
- If you need help with a blocked card or a failed dispense, look for the Banco Nacional area on Level 100 (when open) and try the ATM located near the branch zone.
Departing Passengers — Best Places to Withdraw Before Security
- Arrive at your terminal (T1 or T2) and stay in the public departures/check-in level until you have cash.
- Look for ATMs near airline check-in rows and passenger service desks—these are easier to access with luggage carts.
- Withdraw what you need, then proceed to Security.
- If you forget and pass through security, you can still find ATMs airside in the retail corridors, but they may have longer queues during peak departure waves.
Quick PTY Landmarks That Mean You’re Close
- Arrivals halls (landside): If you’ve just exited Customs into the public hall with greeters, signage, and transport information, you’re in the prime ATM zone.
- Terminal 1: If you’re on Level 100 and can see taxi/transport directions, you’re near the easiest landside ATMs.
- Terminal 2: If you’re in the big public Arrivals hall facing the exits and transport meeting areas, scan the perimeter walls for the bank logos and ATM/Cajero signs.
- Airside: If you’re already shopping in duty-free, you’re past security—ATMs are usually placed along the main retail corridors before the gate branches.
Use the map below to find the nearest ATMs and banks near Tocumen Airport (PTY), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.
ATM Withdrawal Tips & Advice for Tocumen Airport (PTY)
- Expect Panama-style ATM limits: many ATMs commonly cap withdrawals around $250 per transaction. If you need more cash, plan on multiple withdrawals (and therefore multiple fees).
- Plan for a local ATM fee on foreign cards: travelers frequently report a bank fee around $6.50 per withdrawal in Panama. Your own bank may add (or reimburse) additional fees.
- Use Terminal 2 arrivals for “first cash” when possible: Terminal 2 typically has more total machines spread across the public Arrivals hall, so it’s easier to switch to a different bank ATM if one is out of service.
- Don’t walk outside before withdrawing: at PTY, it’s much easier to get cash in the Arrivals hall before stepping into the curbside pick-up area.
- Try a different bank if your card is rejected: at PTY you’ll see multiple banks (e.g., Scotiabank, Banistmo, Davivienda, Banco Nacional, etc.). If one network declines, another bank ATM often works.
- Avoid Dynamic Currency Conversion (DCC): if the ATM offers to charge you in your home currency, choose USD (Panama uses the U.S. dollar), which is usually the better rate.
- Know what “Level 100” means: PTY signage often references levels. For cash on arrival, you’re typically looking for the public Level 100 areas in both terminals.
- Scotiabank tip for Terminal 1 connections: if you’re transiting through Terminal 1, Scotiabank ATMs are known to be placed in multiple T1 zones (including the mezzanine and concourse areas), so they’re a good “backup path” when you’re already airside.
- If you need human help (not just an ATM): the Banco Nacional branch in Terminal 1 (when open on weekdays) can help with some issues (like guidance, not foreign bank disputes) and you’ll usually find an ATM nearby.
- Withdraw smaller amounts first if you’re worried about cash availability: during peak arrival banks, a quick “test withdrawal” reduces risk. If successful, you can decide whether to do a second withdrawal.
- Keep small bills for transport: taxis, tips, and small purchases are easier with $5 and $10 bills. If the ATM dispenses large bills, break them at an open shop before leaving the terminal.
- Pin + contactless reality check: Panama accepts cards widely, but some airport-to-city transport situations are smoother with cash—get at least a starter amount at PTY even if you plan to pay mostly by card later.
FAQs – Tocumen Airport (PTY) ATMs
Are there ATMs in both Terminal 1 and Terminal 2 at Tocumen Airport (PTY)?
Yes. Tocumen Airport has ATMs in both terminals, including landside Arrivals halls (best for most travelers) and additional machines airside in the shopping/gate corridors.
Are Tocumen Airport (PTY) ATMs open 24 hours?
ATMs are machines and are typically available 24/7. Individual bank counters or currency exchange offices have limited hours, but the ATMs themselves are generally accessible day and night inside the terminals.
Which banks have ATMs at PTY?
Common ATM providers at PTY include Scotiabank, Banistmo, Davivienda, Global Bank, Banco Panamá, Caja de Ahorros, and Banco Nacional de Panamá (and sometimes additional banks depending on terminal placement).
How much are ATM fees at Tocumen Airport (PTY)?
PTY ATMs generally follow Panama’s normal ATM pricing: many travelers report a local bank fee around $6.50 per withdrawal for foreign cards, and your home bank may add its own fee. Fees can vary by bank and card network.
What is the typical ATM withdrawal limit at PTY?
A common per-transaction limit in Panama is around $250 at many ATMs. If you need more, plan on multiple withdrawals (and potentially multiple fees).
Should I withdraw cash before leaving the Arrivals hall?
Yes. It’s easiest to withdraw cash right after Customs when you enter the public Arrivals hall. If you walk outside to the pick-up lanes first, you’ll usually need to re-enter the terminal to reach the nearest ATM again.
What if an ATM declines my card at PTY?
Try a different bank’s ATM in the same terminal. Also confirm your bank hasn’t blocked foreign withdrawals, and make sure you’re using the correct PIN for ATM transactions (which may differ from a card’s online PIN).
Is it better to use an airport ATM or a city ATM in Panama City?
Airport ATMs are convenient for “starter cash.” If you need larger amounts or want more options, Panama City has many more ATMs and full-service branches, but you’ll need transport to get there.
Can I withdraw US dollars at Tocumen Airport (PTY)?
Yes. Panama uses the U.S. dollar, and ATMs at PTY dispense USD for normal cash withdrawals.
Panama City Airport Related Services
- BOOK an AIRPORT HOTEL in Panama City or SLEEPING PODS
- RENT a CAR in Panama City Airport or BOOK a PRIVATE TRANSFER
- STORE your LUGGAGE in Panama City Airport or NEARBY
- BUY a LOCAL eSIM for Panama City, Panama or a GLOBAL eSIM