How to Use Korean ATMs as a Foreigner (Step-by-Step Guide)
Introduction
Using an ATM in Korea might seem simple—until you’re standing in front of a machine filled with Korean-only text, trying to withdraw cash with your foreign bank card. Whether you’re a new arrival, a traveler, or a long-term resident, knowing how to use Korean ATMs can save you time, frustration, and even money. This guide walks you through everything you need to know to use ATMs in Korea like a pro.
1. Types of ATMs in Korea
Bank ATMs (Most Reliable)
Located inside or next to major banks such as KB Kookmin, Shinhan, Hana, or Woori. These machines usually support multiple languages and accept both domestic and some foreign cards.
Convenience Store ATMs (24/7 Access)
Found in GS25, CU, and 7-Eleven.
- Available anytime
- Higher fees
- Limited English menus
- Compatibility issues
Airport & Tourist Area ATMs
In Incheon Airport, Myeongdong, or Hongdae — more English options and better compatibility for foreigners.
2. Which ATMs Accept Foreign Cards?
Look for these logos:
Visa / Mastercard / Cirrus / Maestro / UnionPay / Plus
Best options: Citibank Korea and KB Kookmin Bank
Avoid: Smaller regional bank ATMs
3. Step-by-Step: How to Withdraw Cash
Step 1: Insert your card (chip side first)
Step 2: Choose language (English if available)
Step 3: Select “Withdrawal”
Step 4: Enter 4-digit PIN
Step 5: Enter amount (₩10,000 or ₩50,000 denominations)
Step 6: Confirm, collect cash and card
4. Common Issues Foreigners Face
- Transaction denied → Unsupported card, blocked by your bank, or insufficient funds
- Card swallowed → Visit the bank counter or call the number on the ATM
- Daily withdrawal limits → Often ₩300,000 ~ ₩1,000,000 per transaction
5. Tips to Make ATM Use Easier
- Use ATMs during banking hours (9am–6pm)
- Prefer Citibank or KB branches
- Withdraw larger amounts less often
- Avoid late Sundays (some machines run out of cash)
Conclusion
ATMs in Korea may seem confusing at first, but with this guide, you’ll avoid mistakes, save time, and minimize fees. Whether you’re staying long-term or just visiting, it’s your money — use it wisely.
📌 Next in Series:
[Part 2: How to Exchange Money in Korea – Safely and Cheaply] (Coming Soon)