Bank of America and BNL
Bank of America belongs to the Global ATM Alliance, a group of banks that let each other’s customers withdraw cash without the usual network fees. Its member in Italy is BNL BNP Paribas, one of the country’s national banks. Other members include BNP Paribas in France, Barclays in the UK and Deutsche Bank in Germany, so the same benefit helps on a multi-country trip.
What you pay at a BNL ATM
| Charge | At a BNL ATM | At another Italian ATM |
|---|---|---|
| Bank of America non-network fee | None | $5 |
| Italian ATM operator fee | None | Possible, shown on screen |
| International transaction fee | 3% | 3% |
So a €200 withdrawal at BNL costs about 3% of the dollar amount, or roughly $6 to $7 at 2026 exchange rates, compared with $11 to $12 or more elsewhere.
Making it cheaper
- Withdraw larger amounts. The 3% fee is a percentage, but every non-BNL withdrawal adds a fixed $5.
- Pay by card where you can, with a credit card that has no foreign transaction fee.
- Always choose euros when the ATM or terminal offers a conversion.
- Consider a second card. Some US accounts refund ATM fees worldwide and charge no foreign fee; see the table above.
Finding a BNL ATM
BNL branches carry a green BNL logo with “BNP Paribas” beneath. Every major city has several; see our city guides for Rome, Milan and Florence.
Frequently asked questions
Which bank in Italy partners with Bank of America?
BNL, Banca Nazionale del Lavoro, is Bank of America’s Global ATM Alliance partner in Italy. BNL is owned by BNP Paribas and has branches and ATMs in every Italian region.
Does Bank of America charge for using ATMs in Italy?
At BNL ATMs Bank of America waives its $5 non-network fee and the ATM operator fee, but charges a 3% international transaction fee on the converted amount. At other Italian ATMs you pay the $5 fee, the 3% fee and any operator fee.
Can I use my Bank of America credit card in Italy?
Yes. Bank of America Visa and Mastercard credit cards work in Italy. Some, such as the travel rewards cards, charge no foreign transaction fee on purchases. Do not use a credit card for ATM withdrawals, which are expensive cash advances.
Where are BNL ATMs in Italy?
BNL has branches and ATMs in all major Italian cities, including near the main stations and in city centres of Rome, Milan, Florence, Venice and Naples. BNL’s website has a branch and ATM locator.
Sources and fact-checking
Checked on 2 November 2026 by Ionut Popea following our editorial policy. Fees, codes and rules change; confirm anything important with the bank or authority before acting.