Quick answer: ATMs are available 24/7 landside and airside in both terminals. Currency exchange desks (including ReiseBank in the Munich Airport Center) operate through the day.

ATMs

Cash machines from several banks (Deutsche Bank, Postbank, ReiseBank, VR-Bank and others) are spread across both terminals and the Munich Airport Center, available around the clock. A practical tip from frequent travelers: use a bank-branded ATM rather than a standalone currency-exchange-branded machine — the latter often charges a higher fee and pushes a poor 'dynamic currency conversion' rate.

Currency exchange

ReiseBank, in the Munich Airport Center (Level 03) near the Terminal 2 arrivals area, handles cash exchange, traveler's cheques and credit-card cash advances, typically open from early morning to evening — check current hours before you rely on it outside normal business hours.