Will I pay a fee to get money from an ATM with my prepaid card?

Answer: You might pay more than one fee to use your prepaid card at an out-of-network ATM. Usually, it is free to withdraw cash from an in-network ATM.

You might pay more than one fee to use your prepaid card at an ATM. The prepaid card provider may charge you an ATM withdrawal fee. In addition, the owner of the ATM may charge you a fee for using its ATM.

Some prepaid cards offer a network of ATMs where you don’t pay a fee to the ATM owner. These are called in-network ATMs. Usually, it is free to withdraw cash from an in-network ATM. Some cards may still charge you an ATM withdrawal fee even when you use an in-network ATM. Some prepaid cards may waive ATM fees under some circumstances. For example, the card may give you a certain number of free withdrawals each month.

A different fee may be charged if you use an ATM to try to withdraw more money than you have in your account. This fee is called a "declined transaction" fee.

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If you plan to use your prepaid card regularly at an ATM, look for a card that doesn’t charge an ATM withdrawal fee, provides a certain number of free ATM withdrawals each month, and has ATMs near where you live, work, and shop.

You may also be able to avoid ATM fees by getting cash back with a purchase at many stores. The retailer chooses the limit on the cash back amount.

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