Quick Answer: American Express customers can withdraw cash fee-free at any MoneyPass ATM and most Allpoint locations. Based on ATMs-NearMe research, Amex continues to expand its U.S. ATM access through partner networks rather than operating its own machines. Always look for the American Express or MoneyPass logo before inserting your card to avoid unnecessary fees.
American Express ATM Locator Map
Where You Can Use American Express ATMs
American Express (Amex) partners with several major ATM networks to give cardholders reliable, fee-free access across the United States and worldwide. Here’s where you can use your Amex card for cash withdrawals and balance checks in 2025:
| Network / Partner | Fee Policy for Amex Bank Customers | Typical Locations | Notes |
|---|---|---|---|
| MoneyPass | No surcharge | Credit unions, supermarkets, convenience stores | Main U.S. partner network for Amex ATM access |
| Allpoint | No surcharge (varies by card) | CVS, Walgreens, Target, Kroger, Circle K | Indoor 24/7 access; supports contactless transactions |
| Global Amex ATMs | May include local or currency-conversion fees | International airports, hotels, partner banks | Ideal for travel cash withdrawals abroad |
How to Find an American Express ATM Near You
- Use the official locator: Visit the Amex ATM Locator and enter your ZIP code for real-time results.
- Search partner networks: Check MoneyPass and Allpoint maps for nearby fee-free options.
- Use the Amex Mobile App: Open the locator feature to find ATMs based on your GPS location.
- Call Customer Service: Amex support can confirm the closest eligible ATMs for your specific card type.
Summary: American Express doesn’t manage a large proprietary ATM network. Instead, it partners with MoneyPass and Allpoint to provide fee-free cash access across thousands of retail and credit-union locations. According to ATMs-NearMe data, this coverage now extends to nearly every U.S. metro area.
American Express ATM Withdrawal Limits
Most Amex cards allow daily cash advances between $500 and $1,000, depending on account history and credit profile. Some premium cards may qualify for higher limits upon request. Check your current limit in the Amex Mobile App or online banking portal before large withdrawals.
Fees and Cash Advance Costs
Cash advances using an American Express credit card typically include:
- A cash-advance fee (usually 5% of the transaction, minimum $10)
- Immediate interest accrual—no grace period
- Possible third-party ATM operator surcharges
To minimize costs, withdraw only when necessary and choose in-network ATMs displaying the MoneyPass or Allpoint logo.
Frequently Asked Questions
Can I withdraw cash from any ATM with my Amex card?
Yes. As long as your card supports cash advances, you can withdraw at most ATMs on the MoneyPass or Allpoint networks and many international partner banks.
Can I use other bank cards at an American Express ATM?
Some American Express-branded ATMs accept other networks, but expect additional fees. Always confirm the network logo before using a third-party card.
Do American Express debit cards have different limits?
Yes. Amex debit cards linked to savings accounts may have lower limits—typically under $600 daily—to protect against fraud.
About American Express Bank
American Express Bank FSB operates primarily online, offering high-yield savings accounts, CDs, and small-business banking in addition to its credit and charge cards. Through network partnerships, it continues to expand convenient ATM access in the U.S. and abroad.
Related Guides
- MoneyPass ATM Network
- Allpoint ATM Network
- Highest ATM Withdrawal Limits
- Contactless & Cardless ATMs
- Chase ATM Withdrawal Limits
Updated November 2025