---
title: "Withdraw cash at an ATM with a RedotPay card: fees, limits and failed withdrawals"
description: "How to turn on ATM withdrawals on the RedotPay physical card, what a withdrawal really costs (2% plus currency and conversion fees), daily and monthly limits, and what to do when the ATM charged you but gave no cash."
---

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# Withdraw cash at an ATM with a RedotPay card: fees, limits and failed withdrawals

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

See [activation and PIN](/en/cards/physical-card/). 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](/en/fees-limits/).

[RedotPay Pro](/en/fees-limits/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](/en/troubleshooting/refund-not-received/) 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](/en/troubleshooting/contact-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](/en/troubleshooting/unauthorized-charges/).

**Card stuck in the machine?** Contact the bank that owns the ATM, and freeze the card in the app: **Card** → **Freeze**.

Sources: RedotPay help-centre articles "Can I Withdraw Cash from an ATM, and Are There Any Fees?", "Do I Need to Convert Crypto to Cash Before Withdrawing From an ATM?", "What Should I Do If an ATM Doesn't Dispense Cash?", "My ATM Withdrawal Failed but I Was Still Charged. What Should I Do?" and "My RedotPay Card Got Stuck in an ATM. What Should I Do?" (checked 31 Oct 2026).

Source: https://redotdocs.com/en/cards/atm-withdrawals/index.mdx