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1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsFor the U.S. PayPal Debit Card, withdrawing cash at a MoneyPass ATM in the United States carries no PayPal withdrawal fee. A withdrawal at any other ATM in the U.S. costs $2.50 from PayPal. An ATM outside the U.S. also costs $2.50 from PayPal, plus a separate 2.5% international transaction fee. The machine’s owner can add its own charge on top of any of these, so a MoneyPass ATM is free from PayPal’s side but not always free overall.
This guide covers the U.S. PayPal Debit Card. If you bank in another country or hold a different PayPal card, the U.S. figures do not carry over, and the section on non-U.S. terms explains why.
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Which ATMs cost nothing with a U.S. PayPal Debit Card
PayPal’s fee depends on which network the ATM belongs to and where it is located. The U.S. PayPal Debit Mastercard agreement sets out three cases:
| ATM type | PayPal withdrawal fee | ATM operator’s surcharge | Additional notes |
|---|---|---|---|
| MoneyPass ATM in the U.S. | $0. The agreement lists this as “No fee for MoneyPass ATM Withdrawals in the U.S.” | May apply; the owner sets it | MoneyPass machines are not available in every area. |
| Non-MoneyPass ATM in the U.S. | $2.50 | May apply; the owner sets it | The agreement lists this as a domestic fee. |
| ATM outside the U.S. | $2.50 for a withdrawal from a non-U.S. ATM | May apply; the owner sets it | The agreement also lists a 2.5% international transaction fee for use at a non-U.S. ATM. It applies even when no currency conversion takes place. |
Network acceptance is not the same as a fee waiver. The agreement says the card works at ATMs displaying Mastercard, Cirrus, PULSE or MoneyPass acceptance marks, subject to the daily cash limit. The waiver applies only to MoneyPass withdrawals in the U.S., so an ATM showing a Mastercard or Cirrus mark alone still falls under the $2.50 domestic fee.
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- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
How to find a MoneyPass ATM in the PayPal app
PayPal’s own locator is the quickest way to check whether a machine is nearby before you leave home.
- Open the PayPal app and tap PayPal balance.
- Tap your debit card.
- Select Find an ATM.
- Search by address or place name, or use the map to browse machines near you.
- Choose a result that is a MoneyPass location in the U.S. Do not assume a machine is MoneyPass because it displays a generic bank or network logo.
- At the machine, select Checking if it asks for an account type.
- Read the on-screen fee notice before you confirm. If the operator’s charge is more than you expect, cancel the transaction.
Why a fee-free PayPal ATM can still cost money
PayPal’s waiver covers only its own charge. Four other costs can still reach you at an ATM:
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
- The operator’s surcharge. PayPal says operator fees may apply. The owner sets the amount, and it is added to whatever PayPal charges.
- Balance inquiries. The agreement warns that an ATM owner can charge for an ATM transaction such as a balance inquiry, even when no cash is withdrawn.
- Lower limits. An operator can set a withdrawal limit below PayPal’s standard limit.
- Coverage gaps. MoneyPass ATMs are not available in every area, so a free option may be farther away than you expect.
The PayPal pages cited here do not show a revision date, and card fees can change. Confirm the current figures in the app or in your cardholder agreement before a large withdrawal.
Daily ATM withdrawal limit
The standard U.S. daily ATM withdrawal limit is $400, as stated in the card agreement and on PayPal’s ATM help page. An operator may set a lower limit at its own machine. If a withdrawal is declined for the amount, try a smaller amount or a different ATM before assuming the card is blocked.
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- Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- Double check if the URL/website is genuine before entering card details online. Do not provide any gift card details (example: claim code) to someone you do not know or trust. There are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- If you believe that your Card has been lost or stolen, notify Mastercard immediately by calling 1-833-791-7288. You will be asked to provide the Gift Card number and other identifying information.
- Use your Mastercard Gift Card in the U.S. everywhere Mastercard debit cards are accepted, including online. Your Amazon.com Balance cannot be used to purchase Mastercard gift cards.
Using the card outside the United States
For a withdrawal from a non-U.S. ATM, the U.S. agreement lists two charges: the $2.50 fee for a non-U.S. ATM withdrawal and a separate 2.5% international transaction fee for use at a non-U.S. ATM. The international fee applies even when no currency conversion takes place. Because a single foreign withdrawal can involve more than one fee, add them together with any operator charge before you withdraw. Check the ATM’s on-screen notice for the total it displays.
If you hold PayPal’s U.K. card
PayPal’s U.K. agreement says PayPal charges no fee for a cash withdrawal, but the ATM provider may still charge. That schedule is separate from the U.S. one, so the U.S. MoneyPass waiver does not apply to ATMs in Britain, and you should read the U.K. agreement for the exact terms.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Other countries
The U.S. MoneyPass waiver should not be treated as a worldwide rule. Confirm the terms in the agreement for your own country before assuming any ATM network is free.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Reading PayPal’s fee wording correctly
PayPal’s ATM help page contains two statements that are not equally precise. The promotional line reads: “Don’t forget, there’s no fee for withdrawing cash from tens of thousands of MoneyPass ATMs worldwide.” The disclosure on the same page narrows the waiver to “No fee for MoneyPass ATM Withdrawals in the U.S.” When you need to know what PayPal will charge, rely on the disclosure. The “tens of thousands” figure is not dated in the source, so treat it as a general description rather than a current count, and remember that it does not extend the U.S. waiver to other countries.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Sources: PayPal, “How do I use my PayPal Debit Card at an ATM?” (U.S. help page); PayPal U.S. Debit Mastercard cardholder agreement; PayPal U.K. debit card agreement.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
