When choosing a surcharge-free ATM network, two names appear frequently: Allpoint and MoneyPass. Both networks give customers access to thousands of ATMs without paying the machine’s operator fee, but they differ in location coverage, participating banks, and availability.
Allpoint generally offers the largest retail ATM footprint, while MoneyPass is commonly integrated with regional banks and credit unions. Understanding the differences can help you find more fee-free ATM options wherever you travel.
Quick Answer
- Allpoint operates about 55,000 surcharge-free ATMs
- MoneyPass operates roughly 37,000 surcharge-free ATMs
- Allpoint machines are commonly found in retail stores
- MoneyPass machines are often located at banks and credit unions
- Both networks waive ATM operator fees if your bank participates
What Is the Allpoint ATM Network?
The Allpoint ATM network is one of the largest surcharge-free ATM systems in the United States. Operated by Cardtronics (now part of NCR), Allpoint provides fee-free access to tens of thousands of machines across the country.
- More than 55,000 ATMs worldwide
- Commonly located in major retail chains
- Widely used by digital-first banks
Many Allpoint machines are located in stores such as CVS, Walgreens, Target, and grocery chains. You can explore nearby machines using our guide to Allpoint ATMs near you.
What Is the MoneyPass ATM Network?
The MoneyPass ATM network, owned by Fiserv, also provides a large network of surcharge-free ATMs. While slightly smaller than Allpoint, it is widely used by banks, credit unions, and prepaid card providers.
- Roughly 37,000 surcharge-free ATMs
- Commonly located at banks and credit unions
- Frequently used by payroll, prepaid, and EBT cards
MoneyPass machines are often located in bank branches, campus banking centers, and retail stores. You can search for locations in our MoneyPass ATM locator guide.
ATM Location Differences
One of the biggest differences between Allpoint and MoneyPass is where their ATMs are located.
- Allpoint – commonly found in retail chains and convenience stores
- MoneyPass – more often located at banks, credit unions, and financial institutions
If convenience stores and pharmacies are your typical ATM locations, Allpoint may offer more options. If you prefer withdrawing cash at bank branches, MoneyPass may be more common.
Bank and Card Compatibility
Both networks work with a variety of banks, but the participating institutions vary.
Banks commonly connected to Allpoint
- Ally Bank
- Capital One
- Chime
- SoFi
Banks commonly connected to MoneyPass
- U.S. Bank
- Alliant Credit Union
- Many regional credit unions
- Several prepaid card providers
If you are using a prepaid or government benefits card, you may also find compatible machines in our guide to free ATMs for EBT withdrawals.
ATM Fees and Surcharge Rules
Both networks advertise surcharge-free access, but the fee waiver only applies if your bank participates in the network.
- If your bank supports Allpoint, operator fees are waived at Allpoint machines
- If your bank supports MoneyPass, operator fees are waived at MoneyPass machines
- Your bank may still charge an out-of-network fee if the ATM is outside its partner network
To understand the full cost of ATM withdrawals, see our guide to ATM withdrawal fees by bank.
Allpoint vs MoneyPass Comparison
| Feature | Allpoint | MoneyPass |
|---|---|---|
| Network size | 55,000+ ATMs | 37,000+ ATMs |
| Common locations | Retail stores | Banks and credit unions |
| Popular with | Online banks | Credit unions and prepaid cards |
| Surcharge policy | Free if your bank participates | Free if your bank participates |
Frequently Asked Questions
Is Allpoint better than MoneyPass?
Neither network is universally better. Allpoint typically has more retail locations, while MoneyPass is often found at banks and credit unions.
Do Allpoint and MoneyPass charge ATM fees?
The networks themselves do not charge fees if your bank participates. However, your bank may still apply an out-of-network charge if the ATM is not part of your bank’s partner network.
Can any debit card use Allpoint or MoneyPass?
Most debit cards can use the machines, but surcharge-free withdrawals only apply if your issuing bank participates in that specific network.
Key Takeaway
Allpoint and MoneyPass are two of the largest surcharge-free ATM networks in the United States. Allpoint tends to offer broader retail coverage, while MoneyPass is commonly integrated with banks and credit unions. The best option ultimately depends on which network your bank supports and where you typically withdraw cash.
