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Crypto cards with ATM withdrawal access

By · Founder & Editor ·

ATM withdrawal is the line item where crypto cards stop pretending they're free. The 93 cards below all have an ATM line in their listing, and the cost models fall into a few groups. A free monthly allowance, then a percentage: Crypto.com gives EEA holders EUR 200 to EUR 1,000 a month free by tier, then charges 2%. A percentage on every withdrawal: Pionex charges 2%, Bitrefill 2.49%. A small flat fee that disappears on bigger withdrawals: Trade Republic waives its EUR 1 charge on withdrawals over EUR 100. And no fee of the issuer's own, as with Coinbase in the US, BipTap and Wayex Australia. A few listings state limits but no fee at all, so read those as unknown, not free. The cost layer the issuer doesn't control is the ATM operator's own fee, which applies whatever card you use. For frequent ATM users abroad, the real-world cost ladder is: card-issuer fee + card-issuer FX margin + ATM operator fee + (sometimes) DCC margin if you accept the local-currency conversion at the machine. Always decline DCC.

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Also see:Travel cardsPhysical cardsNo-fee cardsUSA guide

Questions about ATM access cards

Can I withdraw cash from a crypto card at an ATM?

Yes, most physical crypto cards support ATM withdrawals through the Visa (Plus) or Mastercard (Cirrus) network. The card converts your crypto balance to local fiat currency and dispenses cash. Some virtual-only cards do not support ATM withdrawals. This page only lists cards with confirmed ATM access.

What fees do crypto cards charge for ATM withdrawals?

It varies by issuer. Crypto.com gives EEA holders a free allowance of EUR 200 to EUR 1,000 a month by tier, then charges 2%. Pionex charges 2% and Bitrefill 2.49% on every withdrawal. Coinbase charges nothing of its own on its US card. ATM operators may add their own fee on top of the card issuer’s.

What are the daily ATM withdrawal limits?

They are set per card, and usually per tier within a card, so a range quoted for the whole list would describe none of them. Every card on this page has an ATM line in its row. Where that line states a figure, the badge on the tile shows it, and the Fees and limits table on the card page gives the full wording, tier by tier where the issuer publishes one.

Do crypto card ATM withdrawals work internationally?

Yes, Visa and Mastercard ATM networks are global. However, international ATM withdrawals may incur an additional FX fee on top of the standard withdrawal fee. Some cards offer zero FX fees on ATM withdrawals as a premium perk.

Which crypto card has the best ATM withdrawal terms?

It depends on how often and how much you withdraw. Coinbase charges no ATM fee of its own on its US card. Crypto.com’s higher EEA tiers give up to EUR 1,000 a month free before the 2% fee starts, and Trade Republic waives its EUR 1 fee on withdrawals over EUR 100. Compare the terms on each card page.