Can you withdraw cash from a crypto card at an ATM?

Yes, you can usually withdraw cash from a crypto card at an ATM. Cards such as Crypto.com's prepaid Visa run on a major card network, so a regular cash machine treats them like any bank card. Behind the scenes, the card provider either sells some of your crypto or draws on a cash balance you loaded earlier. How these cards work in general is explained in how do crypto cards work.

This is different from a bitcoin ATM, which is a kiosk for buying or selling crypto directly.

How does a Coinbase Card ATM withdrawal work?

The Coinbase Card draws on your Coinbase account. Coinbase says it automatically converts crypto to US dollars for purchases and ATM withdrawals.

Coinbase says it does not charge for ATM withdrawals, but the ATM operator may. There is still a cost inside the conversion. Coinbase builds a spread into the price when it sells crypto, so taking out cash funded by crypto is not free. Withdrawal limits vary between customers, and Coinbase points cardholders to the "View spending and ATM limits" option in the card's support menu to see their own. Card availability and rewards are covered in does Coinbase have a debit card.

What are the Crypto.com card ATM limits?

Crypto.com's prepaid Visa works differently. You top up the card with cash or by moving crypto to it, and then spend or withdraw that balance. Limits depend on the card tier. Its US fee page, dated September 2026, lists these monthly free ATM allowances:

• Basic (Midnight): $200
• Plus (Ruby): $400
• Pro (Jade or Indigo): $800
• Private: $1,000

Above the allowance, a 2% fee applies. Daily ATM limits run from $500 on Basic to $2,000 on Pro and Private, with monthly caps of $5,000 or $10,000. All tiers allow three withdrawals a day and 30 a month.

UK cards follow a similar pattern in pounds, with free monthly allowances from £180 to £900 and the same 2% fee above them, according to Crypto.com's UK fee page.

What crypto debit card ATM fees should you expect?

Costs can stack up in several layers:

• Issuer fees above any free allowance, such as Crypto.com's 2%.
• ATM operator surcharges, which neither Coinbase nor Crypto.com controls.
• Foreign transaction fees. Crypto.com's US page lists 3% on foreign ATM withdrawals for Basic, Plus and Pro cards.
• Conversion costs, such as the spread when crypto is sold for cash.
• Top-up fees. Crypto.com lists 1% for debit card and 2.99% for credit card top-ups in the US.

There is also a tax angle. Coinbase notes that each card use that sells crypto is treated as a taxable sale in the US, while spending USDC held at par should not create a gain or loss. Its tax note does not single out ATM withdrawals, but cash funded by selling crypto involves the same kind of sale. The basics are in how is crypto taxed in the US.

Fees and limits change often. Check your card's current fee schedule before withdrawing.