How Does ATMs & Cash Work in Colombia?
Last verified: 2025-06 · Americas
1The Quick Answer
Bancolombia, Davivienda, and BBVA Colombia ATMs accept foreign cards, but use ATMs inside banks or malls during daylight hours to avoid robbery risk.
2What You Need to Know
ATM robberies and 'express kidnappings' from ATMs are documented crimes in Colombia — victims are followed from ATMs or forced to withdraw money. Always use ATMs inside bank lobbies or shopping malls during business hours, never at night or in isolated outdoor locations. Foreign card fees can be high (5,000–13,000 COP per transaction). Cash is still essential in smaller towns and for street food, while credit cards are accepted widely in Bogotá and Medellín. Wise and Revolut cards reduce foreign transaction fees significantly.
3Practical Tips
Practical Tips
- 1Withdraw larger amounts less frequently to minimize ATM fees and your number of trips to the ATM — each transaction typically costs 5,000–13,000 COP.
- 2Cover the keypad when entering your PIN and be aware of who is around you; avoid using ATMs after dark or in deserted areas.
- 3Carry a moderate amount of cash in a hidden money belt for emergencies, and keep daily spending cash in a separate, easily accessible pocket.
Important Warning
ATM-related robberies and express kidnappings are documented crimes in Colombia — use ATMs inside banks or malls during daylight only, and never at night or in isolated locations.
How does this compare?
ATMs & Cash rules in nearby and similar countries:
Use ATMs inside bank branches to avoid skimming; always decline DCC and choose to be charged in pesos.
Use ATMs inside shopping malls or banks during daylight hours — Bradesco, Banco do Brasil, and Caixa are most reliable for foreign cards, and Pix digital payments are now ubiquitous.
ATMs are widely available and cards are accepted almost everywhere — Interac debit is the dominant payment method and foreign cards work at all major bank ATMs.
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Drug laws are strictly enforced despite Colombia's reputation; scopolamine (burundanga) is used in tourist-targeting crimes, and LGBTQ rights are legally protected.
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Dress is casual in hot coastal cities but layers are essential in Bogotá and highland areas; Colombians dress stylishly and modest attire is required at churches.
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