Have money sitting in your PayPal balance but need cash? While there’s no such thing as a dedicated “PayPal ATM,” you can still withdraw PayPal funds using the PayPal Debit Card, your linked bank account, or select retail partners. This guide explains every way to turn PayPal balance into cash, where to find compatible ATMs near you, and what to know about fees and limits.
Quick answers
- Is there a “PayPal ATM”? No. PayPal doesn’t run its own ATMs. You’ll either use a PayPal Debit Card at ATMs, or transfer to your bank and withdraw with your bank card.
- Which ATMs work with PayPal? Any ATM that supports the network on your card (usually Mastercard®) or your linked bank’s debit card, after you transfer funds.
- How do I avoid extra fees? Use your bank’s own ATMs after a free transfer from PayPal, or compare ATM surcharges before you accept a withdrawal.
Live map: find PayPal-friendly ATMs near you
Use this map as a starting point, then confirm that nearby ATMs accept your card’s network (Mastercard/Visa/Discover) and show any fees before you withdraw.
All the ways to get cash from PayPal
- PayPal Debit Card at ATMs
With an eligible PayPal Debit Card (usually a Mastercard®), you can withdraw directly from your PayPal balance at many ATMs.- Look for ATMs with the Mastercard®, Cirrus®, or Plus® logo (depending on your card).
- Insert card → enter PIN → choose Checking → pick your amount → accept or decline fees → withdraw.
- Check card settings and PIN anytime in your PayPal account or app.
- Transfer to your bank, then withdraw at a bank ATM
This is often the cheapest way to get cash.- In PayPal: go to Wallet → Transfer or Transfer money → choose your linked bank.
- Use a standard transfer to avoid PayPal’s instant transfer fee (may take 1–3 business days).
- Once the money arrives, use your bank’s own ATM network to withdraw cash—usually fee-free.
- Use PayPal debit at checkout for cash back
Some grocery, drug, and big-box stores let you request cash back when paying with a debit card.- Run your PayPal Debit Card as debit and look for “Cash back” options.
- Limits vary by retailer, but this can avoid separate ATM surcharges.
- Cash in / cash out at retailers (like Walmart)
Certain retail partners offer PayPal “cash in” and “cash out” services at the money center or customer service desk.- Open your PayPal app and look for Add cash or Get cash / Withdraw for available locations and fees.
- Show the bar code (if required) to the cashier and follow the prompts in the app.
Fees and ATM types to watch for
When you use PayPal at an ATM, there are usually two layers of possible fees:
- PayPal / card program fee: A withdrawal fee may apply when using the PayPal Debit Card at ATMs. Check your card’s fee schedule in your PayPal account or app.
- ATM operator surcharge: The machine owner may add an extra fee. This must be shown on screen before you confirm—cancel if you don’t agree.
- Network vs. out-of-network: Using your own bank’s ATMs after transferring from PayPal is usually the best way to avoid surcharges.
Tip: If fees are high for small amounts, consider withdrawing once for a slightly larger amount instead of making multiple small withdrawals.
PayPal ATM & withdrawal limits
Your exact limits depend on your account type, verification level, card, and region, but common caps include:
- Daily ATM withdrawal limit via PayPal Debit Card.
- Daily purchase / cash-back limit at stores.
- Daily / weekly transfer limits to your linked bank account.
To see your current limits, log in to PayPal and review your Wallet → PayPal Debit Card (or card details) and account limits. Limits may increase after you fully verify your identity and maintain a good account history.
Step-by-step: withdraw cash from PayPal at an ATM
- Make sure your PayPal Debit Card is activated and has a known PIN.
- Find an ATM that shows the right logos (Mastercard®, Cirrus®, Plus®, etc.).
- Insert your card and enter your PIN.
- Select Checking (or Debit) when asked for account type.
- Enter the withdrawal amount and review any fee prompt carefully.
- Confirm if you agree → take your cash, card, and receipt.
- Check your PayPal account or app to confirm the transaction posted correctly.
FAQ: PayPal & ATM withdrawals
Can I withdraw PayPal money from any ATM?
You can withdraw PayPal funds at ATMs that accept the network on your PayPal Debit Card (commonly Mastercard®) or your linked bank’s debit card after you transfer money out of PayPal. Each ATM sets its own surcharge and limits.
Which ATMs are free to use with PayPal?
There isn’t one universal “free PayPal ATM” network. To minimize fees, either:
- Use a standard (no-fee) transfer from PayPal to your bank, then withdraw at your bank’s ATMs.
- Check your PayPal Debit Card terms for any participating surcharge-free networks and use those ATMs when available.
Can I withdraw PayPal money at Walmart?
Many Walmart locations let you add or withdraw cash to/from your PayPal account at the money center or customer service desk. Check the PayPal app for current partners, fees, and bar-code options before you go.
Are instant withdrawals from PayPal really instant?
Instant transfer to an eligible debit card or bank account usually arrives in minutes, but may include a small percentage fee. Standard transfers are typically free but slower. Exact timing depends on PayPal, your bank, and network conditions.
Can I send PayPal money directly to mobile money?
PayPal generally doesn’t support direct withdrawals to mobile money accounts. A common workaround is: PayPal → linked bank account → mobile money (if your bank or region supports that connection).
Safety tips when using PayPal at ATMs
- Use ATMs in well-lit, high-traffic areas or inside major retailers/bank branches.
- Shield the keypad while entering your PIN and avoid using obviously damaged or tampered machines.
- Turn on transaction alerts in PayPal and your bank app to spot unauthorized activity quickly.
- If your PayPal Debit Card is lost or stolen, lock or disable it in your PayPal account and request a replacement immediately.
Related guides
- Venmo ATM Near Me
- Cash App ATM Near Me
- Apple Pay ATM Near Me
- Cardless ATM Near Me
- Fee-Free ATMs & Surcharge-Free Networks
Note: Fees, networks, and features can change. Always double-check your current PayPal Debit Card terms and your bank’s ATM policies before withdrawing.