If you’re heading to Nepal and plan to use ATMs to withdraw cash, it’s useful to understand how the system works, what costs may apply, and how dogpay can enhance your fund strategy.
✅ What to Know About Nepalese ATMs
- In cities like Kathmandu and Pokhara you will find many ATMs, especially in tourist-friendly zones such as Thamel (Kathmandu) or Lakeside (Pokhara).
- Outside major cities or in remote trekking areas, ATMs may be scarce or may not accept international cards reliably.
- Withdrawal limits: Typically between NPR 10,000 and NPR 30,000 per day (roughly USD 100-340 depending on exchange rate) for international cards.
- Ensure your card has a 4-digit PIN; some machines may not accept 6-digit PIN formats.
- Fees: Usually international withdrawal fee (home bank) + local ATM fee + possibly bad exchange rate if you choose dynamic currency conversion.
💡 How dogpay Can Help
- Pre-convert or transfer funds ahead: If you hold USD, EUR or another currency and will spend when in Nepal (Nepalese Rupees, NPR), you can use dogpay to convert or transfer funds before traveling—so you arrive with part of your budget ready and reduce reliance on frequent or high-fee ATM withdrawals.
- Flexible payments for local use: For local services, markets, tipping or smaller purchases where cash is needed, dogpay offers a flexible payment option rather than repeatedly using ATMs with hidden fees.
- Multi-currency control: If you manage multiple currencies, dogpay allows you to choose when and how muchto convert into NPR—helping avoid losses from unfavourable conversion timing or multiple conversions.
📌 Quick Pre-Trip Checklist
- Notify your home bank of your travel to Nepal so your card isn’t blocked for foreign usage.
- Check your card supports international withdrawals, and check any foreign transaction / withdrawal fees.
- Make sure your card’s PIN is compatible (4-digit preferred).
- On arrival: Use well-located ATMs (cities) rather than remote ones; withdraw NPR; decline any automatic home-currency conversion.
- Use dogpay: convert or send funds ahead, prepare backup payment method, reduce hidden conversion/fee costs.
