I wrote previously about German ATMs neglecting to give receipts.
After receiving my bank statement, it shows that an ATM charged a fee, which was not disclosed at the time of the transaction. Every ATM I used a non-SEPA card in mentioned no fee, which I found surprising because non-SEPA cards are almost always charged a fee within SEPA in my past experience. At the time I thought perhaps the ATM operators simply decided to treat all cards as SEPA cards, perhaps for simplicity.
Some machines indeed charged no fee in the end. None of them offered a receipt either. But one ATM charged €9, the highest ATM fee I have ever seen.
Can this be legal?
The link is to a Dutch site, but it shows that in NL producing a receipt is not an obligation. Which in the very least suggests the EU allows a situation where receipts are unavailable.
Probably a dodgy independent ATM. They are the worst. Always go to ATMs from banks.
Seems like ATMs have to display fees for foreign (i.e. not from the same bank) cards since 2011. That obligation can be satisfied by a putting a sticker with a fee schedule on the ATM. You don’t necessarily have to confirm the fee during the withdrawal process. Receipts are unheard of here. I don’t remember ever being offered one by the ATM and I’m always withdrawing from a foreign ATM, with a credit card.
There are some scummy ATM operators out there that seem to prey on people not knowing better. I’d steer away from ATMs that are not in a bank branch or not branded with a well-known name. Doesn’t mean that the fees aren’t high, but at least they should be transparent about it.