Standard Bank ATM Locator | Standard Bank Malawi ) and National Bank (ATM Locations (natbank.co.mw) are the best for withdraw cash, and their ATMs accept Visa, MasterCard, Cirrus and Maestro cards. ATMs are found only in most cities and towns including Lilongwe, Blantyre, Mzuzu, Karonga, Liwonde, Salima, Mangochi, Zomba and Nkhata Bay. Visa is most widely accepted. ATMs dispense a maximum of MK80,000 -MK 120.000 per withdrawal, but you can insert your card three times in a row, thus ending up with triple. Mind you, this is a big bundle of cash and this will not fit in your wallet. Your bank at home will charge you for each transaction. Alternatively you can go into the bank and withdraw your card limit in kwacha. It's worth taking at least one back-up card, as the banks sometimes experience network problems. Withdraw during daylight and at most ATM’s there is a guard present. Like in every country, do not flash your money around.