The only free ATM for PayPal in the United States is a MoneyPass ATM when you use the PayPal Debit Card. This is the sole verified fee-free option for withdrawing cash directly from your PayPal Balance account.
The only free ATM for PayPal: MoneyPass
If you want to withdraw cash from your PayPal balance without paying a fee, you need to use a MoneyPass ATM with your PayPal Debit Card. MoneyPass is a network of over 32,000 ATMs located across the U.S., often found in retailers, airports, and financial institutions. No other ATM network or independent machine offers a guaranteed fee-free withdrawal from PayPal. To use this benefit, you must have a PayPal Balance account and an activated PayPal Debit Card. If you also use Venmo, you can find free Venmo ATMs through a different network.
What you need to withdraw cash from PayPal
Before you can use a free ATM for PayPal, you must meet two requirements. First, you need a PayPal Balance account, which is required to get and use the PayPal Debit Card. Second, you need the physical PayPal Debit Card itself, activated with a PIN you create during activation.
How to request and activate your card
- To request a physical card, go to your Accounts, choose your "PayPal Debit Card", choose "Manage", and then choose "Request a physical card".
- To activate the card in the app, go to your Accounts, choose "PayPal Debit Card", enter the required information, and choose "Activate Card".
There are no monthly card fees for the PayPal Debit Card.
How to find a MoneyPass ATM near you
Locating a free ATM for PayPal is straightforward. Use the MoneyPass ATM locator on the MoneyPass website or mobile app to search by address or ZIP code. You can also look for the MoneyPass, Mastercard, Cirrus, or Pulse acceptance marks on an ATM. ATMs must display one of these marks to be used with the PayPal Debit Card.
Fees for non-MoneyPass and international ATMs
Using an ATM outside the MoneyPass network costs money. Domestic non-MoneyPass withdrawals incur a $2.50 ATM withdrawal fee from PayPal. International ATM withdrawals also incur a $2.50 ATM International Withdrawal Fee from PayPal, even if no currency conversion is required. Additionally, a 2.5% international transaction fee applies to foreign transactions, including use at a non-U.S. ATM. Be warned: ATM owner-operators may impose their own fees in addition to PayPal's fees, even at MoneyPass ATMs. This means you could still see a surcharge on the screen before you complete a withdrawal.
PayPal Debit Card ATM limits and settings
The PayPal Debit Card has a daily ATM withdrawal limit of $400 USD. You can check this limit on the PayPal website by going to your Home page, clicking "PayPal Debit Card" under the balance, then clicking "Manage" and looking under "Daily limits". On the PayPal app, tap "Accounts", select "PayPal Balance", tap "PayPal Debit Card", tap "Manage card", and scroll down to "Daily limits". Note that the daily limits displayed are standard and do not dynamically update to reflect your daily activity. When using an ATM, if given the option, select "Checking". This is the crucial account type your PayPal Debit Card is linked to for cash withdrawals.
Tips for a smooth PayPal ATM withdrawal
Follow these practical tips to ensure your free ATM for PayPal experience goes without a hitch. Keep your PIN secure by memorizing it and never sharing it. Monitor your account regularly for any unauthorized transactions. It is also wise to have a backup payment method, such as a credit card or a digital wallet, in case you encounter an issue with the ATM or cannot find a MoneyPass machine.
