You can take cash from any ATM that accepts your card’s network, with the physical card only. RedotPay converts your crypto automatically; you don’t need to sell anything first.
Before your first withdrawal
- 1Activate the physical cardAnd set a PIN
- 2Turn on ATM withdrawalsCard → Settings → Security settings
- 3Check your balanceIt must cover the cash plus every fee
- 4Insert the cardEnter your PIN and take the cash
See activation and PIN. An ATM that shows a zero balance is normal; it can’t see your RedotPay balance.
What it costs
| Fee | Amount |
|---|---|
| RedotPay ATM fee, HKD card | 2% |
| RedotPay ATM fee, USD card | 2% up to 10,000 USD a month, 3% on the amount above |
| Cash in a currency other than your card’s | +1.2% |
| Converting crypto to pay | +1% |
| The ATM owner’s own fee | Set by the ATM’s bank, shown on its screen |
Taking out cash worth 200 USD in local currency from USDT costs about 8.40 USD in RedotPay fees, before any fee from the ATM’s bank. See the worked examples on the fees page.
RedotPay Pro’s yearly plan waives RedotPay’s ATM fees on the first 1,000 USD a month. It doesn’t cover the ATM owner’s fee.
Limits
| USD card | HKD card | |
|---|---|---|
| Withdrawals | 3 a day, 30 a month | 3 a day, 30 a month |
| Amount per day | 3,750 USD | 23,000 HKD |
| Amount per month | 50,000 USD | 75,000 HKD |
In some countries and regions, the USD card’s limits are 3,000 USD a day and 10,000 USD a month.
The ATM refused the card
- Your balance doesn’t cover the amount plus fees.
- ATM withdrawals are switched off, or the currency or coin isn’t enabled for the card.
- The card is frozen, expired, not activated, or over a limit.
- Three wrong PINs within 24 hours froze the card.
- The ATM or its bank doesn’t accept the card. Try another ATM, ideally from a different bank.
Each refusal after the first 3 in a month costs 0.50 USD, so check the list before trying again.
Charged, but no cash came out
Open the withdrawal in your history and look at the status.
| Status | What to do |
|---|---|
| Authorized | It’s still pending. Wait; it usually turns into a refund by itself |
| Refunded | The money is back in your account |
| Cleared | Wait about 3 days for the ATM’s bank to refund it. The refund may show with a different transaction ID. Then contact the ATM’s bank |
If the ATM’s bank can’t fix it, ask RedotPay support for a chargeback. It costs 50 USD per transaction up front and takes about 3 to 6 months. If the bank disputes it, the next stage costs 700 USD. See disputes.
Card stuck in the machine? Contact the bank that owns the ATM, and freeze the card in the app: Card → Freeze.