Quick answer: The PayPal Debit Mastercard works at any ATM displaying the Mastercard, Cirrus, PULSE, or MoneyPass logo — that covers virtually every ATM in the U.S. MoneyPass ATMs are completely free (both PayPal’s fee and the operator surcharge are waived). Non-MoneyPass ATMs cost $2.50 plus any operator surcharge. The daily ATM withdrawal limit is $400.
The PayPal Debit Mastercard allows cash withdrawals from your PayPal balance at compatible ATMs nationwide.
To use a PayPal ATM for free, find a MoneyPass ATM near you — available at CVS, Walgreens, Target, Kroger, 7-Eleven, Walmart, and thousands of other retail locations. Use the map below or the MoneyPass locator at moneypass.com.
Can You Use PayPal at an ATM?
Yes — with the PayPal Debit Mastercard. The card is linked to your PayPal Balance account and works at any ATM displaying the Mastercard, Cirrus, PULSE, or MoneyPass acceptance mark.
You need an active PayPal Balance account with an activated PayPal Debit Mastercard to withdraw cash at an ATM.
PayPal does not operate its own ATM network. Whether a withdrawal is free depends entirely on which network the ATM belongs to.
Find a Free PayPal ATM Near You
MoneyPass ATMs are your best option — both PayPal’s $2.50 fee and the ATM operator’s surcharge are waived at participating MoneyPass locations.
- MoneyPass locator: moneypass.com — the most accurate way to find a free PayPal ATM
- PayPal app: Some versions include an ATM finder — tap your balance and look for ATM or cash options
- Google Maps: Search “MoneyPass ATM near me” for more accurate free PayPal ATM results
Map not loading? Open PayPal-compatible ATM map in Google Maps.
PayPal ATM Fees Explained
| ATM Type | PayPal Fee | ATM Operator Fee | Total Cost |
|---|---|---|---|
| MoneyPass ATM (U.S.) | $0 | $0 (waived) | $0 |
| Non-MoneyPass ATM (U.S.) | $2.50 | Operator surcharge may apply | $2.50–$6.00+ |
| International ATM | $2.50 + 2.5% international fee | Operator surcharge may apply | Varies |
At MoneyPass ATMs, both PayPal’s own fee and the ATM operator’s surcharge are fully waived — making it completely free to withdraw cash.
Always confirm the fee on the ATM screen before completing the transaction.
Related: ATM fees explained, MoneyPass ATM near me, and surcharge-free ATM near me.
Best Free ATM Strategy for PayPal Users
- Use the MoneyPass locator before leaving home
- Prefer CVS, Walgreens, Walmart, and Target locations with MoneyPass ATMs
- Avoid standalone gas station and airport ATMs whenever possible
- Always verify the ATM screen shows no surcharge before confirming
Where to Find Free PayPal ATMs
MoneyPass ATMs are found at tens of thousands of retail locations across the U.S. Common places to find a free PayPal ATM:
| Location | Network | Free for PayPal? |
|---|---|---|
| CVS | MoneyPass / Allpoint | ✅ Yes (MoneyPass locations) |
| Walgreens | MoneyPass / Allpoint | ✅ Yes (MoneyPass locations) |
| Target | MoneyPass / Allpoint | ✅ Yes (MoneyPass locations) |
| Walmart | MoneyPass | ✅ Yes |
| 7-Eleven | MoneyPass | ✅ Yes |
| Kroger / affiliates | MoneyPass | ✅ Yes |
| Bank branch ATMs | Varies | ⚠️ Only if MoneyPass — check before using |
| Gas station / standalone ATMs | Usually third-party | ❌ Usually not free — avoid |
Not every ATM inside these retailers is on the MoneyPass network — look for the MoneyPass logo on the machine itself before withdrawing.
Use moneypass.com to confirm before making a trip.
PayPal ATM Withdrawal Limits
| Limit Type | Amount |
|---|---|
| Daily ATM withdrawal limit | $400 |
| Over-the-counter cash withdrawal | $400 per day |
| ATM machine per-transaction limit | Set by individual ATM — may be lower than $400 |
PayPal’s $400 daily limit is lower than most traditional banks. If you need more than $400 in cash, cash back at a retailer usually does not count against the ATM limit and is often free with a debit purchase.
Related: ATM withdrawal limits by bank.
How to Use the PayPal Debit Card at an ATM
- Make sure your PayPal Debit Mastercard is activated in the PayPal app
- Find a MoneyPass ATM near you using moneypass.com or the map above
- Confirm the ATM displays the MoneyPass, Mastercard, Cirrus, or PULSE logo
- Insert your PayPal Debit Mastercard and enter your PIN
- Check the fee disclosure screen — it should show $0 at a MoneyPass ATM
- Select your withdrawal amount (up to $400 daily) and collect your cash
If the ATM shows a fee at a location you believe is MoneyPass, cancel the transaction and verify the machine using the MoneyPass locator — not all ATMs at a retailer are on the MoneyPass network.
Can You Deposit Cash Into PayPal at an ATM?
No. PayPal does not support cash deposits through ATMs.
To add money to your PayPal balance, your options are:
- Bank transfer: Link a bank account and transfer funds into PayPal
- Direct deposit: Set up payroll or government benefits to deposit directly to your PayPal Balance account
- Receiving PayPal payments: Accept payments from other PayPal users
- Cash reload at retailers: Some retailers offer PayPal cash reload services — check the PayPal app for participating locations and applicable fees
Common PayPal ATM Problems and Fixes
| Problem | Fix |
|---|---|
| Charged a fee at a MoneyPass ATM | Confirm the machine is actually on the MoneyPass network at moneypass.com — some machines at MoneyPass retailers are not in the network |
| Card declined at ATM | Check your PayPal balance and that your card is activated; confirm the ATM accepts Mastercard |
| Daily limit reached | PayPal’s limit is $400/day — use cash back at a retailer if you need more |
| ATM charged but no cash dispensed | Keep your receipt and contact PayPal support immediately to dispute the transaction |
| Can’t find a MoneyPass ATM nearby | Use moneypass.com directly — more accurate than Google Maps for network-specific results |
| Card not activating | Open the PayPal app → tap your balance → select the debit card and follow activation steps |
PayPal vs Venmo ATM Access
Both PayPal and Venmo use MoneyPass for free ATM access. The key differences:
| PayPal Debit Card | Venmo Debit Card | |
|---|---|---|
| Free network | MoneyPass | MoneyPass |
| Out-of-network fee | $2.50 | $2.50 |
| Daily ATM limit | $400 | $400 |
| Card network | Mastercard | Mastercard |
| Cash deposits at ATM | ❌ No | ❌ No |
For most practical purposes, PayPal and Venmo ATM access work almost identically.
See Venmo ATM near me and MoneyPass ATM near me for more.
Related ATM Guides
- MoneyPass ATM Near Me
- Venmo ATM Near Me
- Surcharge-Free ATM Near Me
- Fee-Free ATMs Near Me
- ATM Fees Explained
- ATM Withdrawal Limits by Bank
- Allpoint vs MoneyPass
How This Guide Is Maintained
This guide is reviewed and updated to reflect changes in PayPal Debit Card ATM fees, MoneyPass network participation, and withdrawal limits. Fees and ATM availability can change — always verify current details at paypal.com or in the PayPal app before making a trip. Last reviewed: May 2026.
Bottom Line
Your PayPal Debit Mastercard works at any ATM displaying Mastercard, Cirrus, PULSE, or MoneyPass. For completely free withdrawals — no PayPal fee and no operator surcharge — use a MoneyPass ATM. The $400 daily withdrawal limit applies at all ATMs. Use moneypass.com to find the nearest free PayPal ATM before making a trip.
Frequently Asked Questions
What ATMs can I use with PayPal?
Any ATM displaying the Mastercard, Cirrus, PULSE, or MoneyPass logo accepts the PayPal Debit Mastercard. For free withdrawals, use a MoneyPass ATM specifically.
Does PayPal charge ATM fees?
PayPal charges no fee at MoneyPass ATMs — both PayPal’s fee and the operator surcharge are waived. Non-MoneyPass ATMs cost $2.50 plus any operator surcharge.
What is the PayPal ATM withdrawal limit?
The PayPal Debit Card has a $400 daily ATM withdrawal limit. Individual ATMs may have lower per-transaction limits.
Where can I find a free PayPal ATM near me?
Use the MoneyPass locator at moneypass.com or the map on this page. MoneyPass ATMs are commonly found at CVS, Walgreens, Target, Walmart, 7-Eleven, and Kroger locations.
Can I deposit cash into PayPal at an ATM?
No. PayPal does not support cash deposits at ATMs. You can add money via bank transfer, direct deposit, or cash reload at participating retail locations.
Do I need a PayPal Debit Card to use a PayPal ATM?
Yes. ATM cash withdrawals require an activated PayPal Debit Mastercard linked to your PayPal Balance account. You cannot withdraw cash at an ATM using just a PayPal account without the physical debit card.