Biggest estimated net gain here at this spending level.
- Card types
- Virtual + physical
- ATM withdrawal
- Free
Best crypto cards for ATM withdrawals
Physical cards that can take cash out at an ATM, with the ATM fee on file. Ranked by what they would cost you per year once their fees are counted.
Read our guide: how to chooseBy Andrew L.Data updated 28 Oct 2026
Ranked cards
Showing costs in EUR for a typical profile: EUR 500 a month, 30% in a foreign currency, rewards that need staking or a paid plan left out. Choose your country to see only the cards open to you, priced in your currency.
Complete estimates come first, then cards that leave out a fee the issuer does not list. Cards without a cost estimate come last, ordered by how many of their fees are verified.
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- Card types
- Virtual + physical
- ATM withdrawal
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 5%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- Not verified
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 1.50
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 1.50
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- Not verified
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 3%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 1.00 + 0.6%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 1.00 + 0.65%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 2.50
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- EUR 1.50
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 2.50
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2.49%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- EUR 2.00 + 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2.5%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- EUR 0.55 + 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Card types
- Virtual + physical
- ATM withdrawal
- CHF 4.90
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 1.00 + 0.65%
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- Card types
- Virtual + physical
- ATM withdrawal
- USD 2.95
Not checked yet
These cards are not ranked and have no cost estimate. We have not verified the facts that define this list, or where the card is available. Not checked does not mean no.
- Details
AIX Card
Not checked yetWe have not verified any country where it is open yet.
- Details
ARQ Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Binance Card
Not checked yetWe have not verified any country where it is open yet.
- Details
BitMart Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Bitunix Card
Not checked yetWe have not verified any country where it is open yet.
What a cash withdrawal can cost
One trip to a machine can carry several separate charges:
- The card’s ATM fee. The issuer may charge a flat amount, a percentage, or a mix. Some issuers list a free allowance and charge only beyond it. Where one is on file, the card page shows it.
- The machine operator’s fee. The bank or company that owns the ATM can add its own charge, usually shown on screen before you confirm. It is not in the card’s fee table, and no list can predict it. Together these two are what people mean by an ATM fee.
- The crypto conversion. Cash comes out of a balance in the card’s currency. If your balance is still in crypto, selling it carries a conversion spread.
- The currency conversion abroad. If the machine pays out in another currency than your card’s, an FX fee can apply.
A fee that is on file is not the total. Treat it as the part you can know in advance.
Say no to your home currency at the machine
Abroad, many machines ask whether you want to be charged in your own currency or the local one. That offer is dynamic currency conversion. It sounds helpful, but the machine does the conversion at its own rate, instead of your card doing it at a better one.
Choose the local currency. If the screen shows an amount that looks off, you can usually cancel and start again before any money comes out. Our guide to FX fees and markups abroad explains how the exchange rate, the FX fee and the markup add up.
Limits and other things to check
- Withdrawal limits. Cards often cap cash separately from purchases: per withdrawal, per day and per month. Check each one against what you plan to take out.
- Allowance reset. If the card has a free allowance, find out when it starts over and what counts against it.
- Balance first. Cash is taken from the balance on the card. Top up and wait for the funds to arrive before you walk up to the machine.
- Activation and PIN. Some cards need to be activated, or need a PIN set in the app, before the first withdrawal.
- Region settings. Some cards limit cash withdrawals by region or let you switch them off in the app. Check the settings before you travel.
- A backup. A machine can refuse a card that is perfectly fine. Carry a second way to pay.
What to compare
- Availability. A card is only useful if you can get it where you live. Eligibility is checked per country.
- The ATM fee. Flat or percentage, and whether there is a free allowance.
- The limits. The daily and monthly caps on cash.
- The FX fee. It matters whenever you withdraw in a currency other than the card’s. The no FX fee list is a good starting point, and the travel list adds the FX fee to the ATM requirement.
- Where the money sits. A balance already in the card’s currency avoids one conversion.
Our ranking turns these into one estimated net cost. Fees we have not verified are left out and flagged, never counted as zero. The methodology explains how.
How many ATM cards are in your country
Many cards are open only to some countries, so the list changes with where you live. Across all countries it ranks 38 cards. A few examples:
- United States: 10 cards
- Germany: 20 cards
- United Kingdom: 8 cards
- Brazil: 10 cards
Choose your country in the Card Finder and switch on the ATM filter to see the cards you can get, with a cost estimate for your own spending. For the full picture of how a withdrawal works, read our guide to withdrawing cash with a crypto card.
Related guides
Other best lists
- All crypto cards
- Debit cards
- Credit cards
- Prepaid cards
- Visa cards
- Mastercard cards
- Bitcoin cards
- USDT cards
- USDC cards
- Stablecoin cards
- Self-custody
- No FX fee
- No annual fee
- Travel
- Virtual only
- Rewards and cashback
How we rank cards and estimate costsAffiliate links never change a card's rank. Not financial advice.