When choosing an ATM network, avoiding fees and maximizing convenience are top priorities. Two of the largest surcharge-free ATM networks in the U.S. are Allpoint and MoneyPass—but which one is better for your needs?
In this guide, we’ll break down key differences between Allpoint and MoneyPass, including locations, availability, fees, and card compatibility.
🔍 Overview of Each Network
🏧 Allpoint ATM Network
- Operated by Cardtronics
- 55,000+ surcharge-free ATMs
- Found in stores like CVS, Target, Walgreens, and Speedway
- Often used by online banks like Ally and Capital One
🏧 MoneyPass ATM Network
- Owned by Fiserv
- 37,000+ surcharge-free ATMs
- Found at credit unions, regional banks, and retail locations
- Popular with prepaid and EBT cardholders
🌎 ATM Availability & Locations
If your goal is finding a nearby ATM fast, both networks deliver strong coverage.
- Allpoint ATMs are commonly located in major retail chains. Learn how to find Allpoint ATMs near you.
- MoneyPass ATMs are often found at local banks, credit unions, and on college campuses.
Looking for more options? Here’s a full guide to surcharge-free ATMs near you.
💳 Bank & Card Compatibility
Banks that commonly support Allpoint:
- Ally Bank
- Capital One
- Chime, SoFi, and other digital-first banks
Banks that use MoneyPass:
- Alliant Credit Union (see nearby ATMs)
- U.S. Bank
- Navy Federal Credit Union (see compatible Navy ATMs)
Many prepaid cards also connect to MoneyPass. If you’re using a payroll or EBT card, check out our post on free ATMs for EBT withdrawals or fee-free ATMs for Wisely cards.
💰 Fees and Surcharge Policies
Both Allpoint and MoneyPass advertise themselves as surcharge-free—but this only applies if your card issuer is part of the network.
- For Allpoint, you won’t pay a fee if your bank partners with them. Use our ATM access guide to see how to check your card’s compatibility.
- For MoneyPass, you also avoid fees as long as your issuing bank is part of the network.
Learn more about ATM fees and how to avoid them.
🛡️ Security and Features
Both networks offer EMV chip support, screen privacy, and PIN protection. Want to protect yourself even further? Don’t miss our tips on how to avoid ATM skimming.
Looking for advanced features? Check out:
🧠 Final Thoughts: Which One Is Better?
| Feature | Allpoint | MoneyPass |
|---|---|---|
| Total ATMs | 55,000+ | 37,000+ |
| Found In | Retailers (CVS, Target, etc.) | Banks, credit unions |
| Card Compatibility | Ally, Chime, Capital One | U.S. Bank, Alliant, EBT cards |
| App Locator | Yes | Yes |
| Ideal For | Retail shoppers, online banks | Credit union users, EBT holders |
Verdict
If you bank with a digital-first platform and shop at major retail stores, Allpoint may be the more convenient option. If you rely on a regional credit union or use an EBT/prepaid card, MoneyPass could offer more value.
Still not sure? Try both with your card and track your experience—or use our full ATM locator tools and guides to explore more.