Korea has thousands of ATMs but only certain networks accept overseas cards. Here are the 7 networks that actually work, the 17 branches we trust most, and 6 things to know before you tap.
Some ATMs ask "convert to USD now?" — say NO (or "Continue without conversion"). Pay in KRW; let your card's network handle FX.
Most foreign banks cap daily ATM withdrawal at the equivalent of $300–$1,000. Call your bank to raise it temporarily.
Bring two cards on different networks (Visa + Mastercard). One blocks, the other still works.
Indoor lobby ATMs have working English menus and CCTV. Card-skimmer fraud is rare but concentrated at standalone street ATMs.
Some banks auto-decline foreign withdrawals on the first try. A 30-second app toggle solves it for the trip.
Many lobby ATMs sleep 23:30–06:00 for maintenance. Plan late-night needs around 24h convenience-store ATMs or hotels.
Citi exited Korean consumer retail (2023), so Citi-branded ATMs are largely gone. For foreign cards, use a major bank ATM (KB/Shinhan/Woori) or an airport Global ATM instead.
Look for the green "Global ATM" sticker. Not all KB ATMs have the foreign-card module.
Shinhan is the de facto recommendation for first-timers — broadest network acceptance.
Hit-or-miss. Newer CU stores in tourist zones (Myeongdong, Itaewon, Hongdae) reliable.
Limited hours and limited network — use only as fallback.
Right after customs — first KRW you'll see.
Two ATMs; cleaner of the two on the left.
In the cluster of foreign-language signage; staff English-speaking during day.