Money & travel
Skip the exchange booth at Indianapolis International Airport. Use an ATM with a no-fee card — the ATM gives you the real mid-market rate, while airport exchange booths charge 10–20% above it. On a $500 exchange, that difference is $50–100 in hidden costs.
The key rule
Airport currency exchange booths typically charge 10–20% above the mid-market rate.
On a $500 exchange, that is $50–100 in hidden fees. The ATM is almost always better — even with a bank fee. And with a no-fee card, the ATM is unambiguously better.
None. IND has no dedicated currency exchange counter or kiosk in the terminal — Travelex, which formerly operated at the airport, shut down its US/Canada operations in 2021 and was never replaced.
Even where airport currency exchange booths exist, they typically charge 12-18% above the mid-market rate. At IND the point is moot since there's no on-site booth at all — plan to get foreign currency before you arrive or use an ATM instead.
Fifth Third Bank ATMs are located in the Ticketing Hall (by Guest Services), Baggage Claim (next to door 4), the Ground Transportation Center, and just past the security checkpoints in both Concourse A and Concourse B.
IND's ATMs run on the Fifth Third Bank network (Visa/Plus and Mastercard/Cirrus accepted). A no-foreign-transaction-fee debit card (Charles Schwab, Wise, or Revolut) will still get a far better rate than any exchange counter — though at IND that's academic since no currency exchange kiosk exists to compare against.
Best cards for ATM use abroad
Recommended for IND
Withdraw cash from a Fifth Third ATM using a no-foreign-fee debit card, or better yet, get foreign currency from your home bank or a Wise/Revolut card before you travel — IND has no currency exchange service on-site at all, so there is no airport option to avoid.
Pro Tip
IND has limited but real international service (Aer Lingus to Dublin, Air Canada to Toronto, and seasonal flights to Cancun, Punta Cana, and San Juan), all processed through the Concourse A international arrivals facility — but even international arrivals have no exchange booth to greet them. Handle currency needs before you land.
Before you leave
Order foreign currency from your bank before departure — Chase, Bank of America, and Wells Fargo all offer currency ordering at branches and online (3–7 business days). Rates are better than airport booths, and you avoid the airport rush entirely.
At your destination
Withdraw from a local ATM at your destination — you get the real mid-market exchange rate, minus a small network fee. A no-fee card eliminates even that. This is almost always the cheapest option.
In transit
Currency exchange at city banks or post offices in your destination country is typically far better than airport rates in both countries. Most major cities have walk-in currency exchange with rates 5–10% better than airport booths.
Is it better to exchange currency at IND airport or at my destination?
Almost always at your destination. Airport exchange booths at Indianapolis International Airport charge 10-20% above the mid-market rate. At your destination, ATMs give the real interbank rate minus a small network fee — typically saving $50-100 on a $500 exchange versus the airport booth.
Where are the ATMs at IND airport?
Fifth Third Bank ATMs are located in the Ticketing Hall (by Guest Services), Baggage Claim (next to door 4), the Ground Transportation Center, and just past the security checkpoints in both Concourse A and Concourse B. IND's ATMs run on the Fifth Third Bank network (Visa/Plus and Mastercard/Cirrus accepted). A no-foreign-transaction-fee debit card (Charles Schwab, Wise, or Revolut) will still get a far better rate than any exchange counter — though at IND that's academic since no currency exchange kiosk exists to compare against.
Which currency exchange is at IND airport?
None. IND has no dedicated currency exchange counter or kiosk in the terminal — Travelex, which formerly operated at the airport, shut down its US/Canada operations in 2021 and was never replaced. Even where airport currency exchange booths exist, they typically charge 12-18% above the mid-market rate. At IND the point is moot since there's no on-site booth at all — plan to get foreign currency before you arrive or use an ATM instead.
What is the best card to use for foreign currency at IND?
The Charles Schwab debit card is the top choice — it reimburses all ATM fees worldwide and charges 0% on international transactions, giving you the real mid-market exchange rate. Wise and Revolut travel cards are strong alternatives with similar 0% fee structures. Avoid using a standard bank debit card, which typically charges 1-3% foreign transaction fee plus an ATM surcharge of $3-5.
See also: Getting around IND airport · Live IND TSA wait times
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