What are the fees for withdrawing cash from an ATM using your Xapo Bank card?
When withdrawing funds from an ATM*, there are two types of fees that may apply: one charged by the ATM operator and the other by Xapo Bank.
When you withdraw cash from an ATM, two types of fees may apply:
Xapo Bank fee: Free for up to $100 per month. After that, a 2% fee is charged on each withdrawal above this limit.
ATM operator fee: The ATM owner may charge a fee. The ATM screen will show this fee before you finish your transaction. Xapo Bank has no control over this element. Operator fees may count towards your $100 monthly limit, as we do not always receive the fee breakdown from the operator.
Tip: To save money, always withdraw in the local currency and decline conversion to USD. Your Xapo card has unlimited free foreign exchange!
Manual cash withdrawals: If you withdraw cash in-person at a counter (not an ATM), the same limits and fees apply.
If you do not have enough money in your account to cover both the withdrawal and the fees, the withdrawal will not be successful.
If you need help, please contact us via in-app chat or email [email protected]. We are happy to help.
Was this article Helpuful ?
