MoneyPass ATMs within the U.S. are free for Venmo Debit Card users to withdraw cash. To use any free ATM with Venmo, you must have a Venmo Mastercard Debit Card activated and your PIN ready.
How to find a free MoneyPass ATM
Finding a surcharge-free MoneyPass ATM near you takes only a few steps. You can use the built-in locator inside your Venmo app or check the official MoneyPass website directly.
- Open the Venmo app on your phone.
- Navigate to the section that shows your Venmo Debit Card.
- Select the option to find an ATM. The app will display nearby MoneyPass locations on a map.
- Alternatively, visit the MoneyPass website and enter your current location to see a list of surcharge-free ATMs in your area.
This process is the only reliable way to avoid the $2.50 out-of-network fee. Even at a MoneyPass ATM, the ATM owner may charge an additional fee, so always check the screen before completing a transaction.
Venmo ATM fees and limits you should know
Using an ATM outside the MoneyPass network costs you $2.50 per domestic withdrawal. The same $2.50 fee applies to international ATM withdrawals, and the foreign ATM owner may also add their own surcharge. If you request an over-the-counter cash withdrawal at a bank or financial institution where a signature is required, Venmo charges a $3.00 fee. The combined daily limit for ATM withdrawals, over-the-counter withdrawals, and cashback is $1,000.00, resetting each day at 12:00 AM CST. Checking your balance at any ATM with your Venmo Debit Card is free, so you can verify your funds without incurring a charge.
Knowing where the fee-free options are saves you money and hassle. The MoneyPass network is the only way to avoid the $2.50 fee, and using it ensures you keep more of your cash.
Other ways to get cash for free with Venmo
You can also receive cashback with a purchase at point-of-sale devices at no cost if the merchant accepts Maestro or PULSE. When you buy something at a store, simply select the cashback option at the register and your Venmo Debit Card will process it like a normal transaction. This method avoids ATM fees entirely and counts toward your $1,000 daily limit for withdrawals and cashback combined. Additionally, balance checks at any ATM are free, so you can always see your available funds without paying anything.
Getting cash without fees is straightforward when you know the right methods. The free cashback option at point-of-sale terminals is a smart alternative to finding an ATM.
Getting started with your Venmo Debit Card
There is no fee to apply for a Venmo Debit Card. Once you receive the card in the mail, you must activate it through the Venmo app before you can use it. To withdraw cash at an ATM, you need your PIN. If you forget your PIN, you can reset your Venmo Debit Card PIN in the Venmo app by going to the Cards tab, selecting your Venmo Debit Card, and then choosing Change PIN. The card works anywhere Mastercard is accepted, so you can use it for purchases and cashback at millions of locations worldwide.
