Yes, you can withdraw cash with your physical Plasma One card at any ATM that accepts Visa. You'll need your card PIN, which you set when you activated your physical card. ATM withdrawals are not available with virtual cards. These cards are designed for in-store and online purchases, including contactless payments via mobile wallets like Apple Pay.
Withdrawals come from your Cash balance. How much you can withdraw depends on your tier:
Tier | Per withdrawal | Withdrawals per 24 hours | Daily total |
Lite | $500 | 2 | $1,000 |
Core | $1,000 | 3 | $3,000 |
Platinum | $5,000 | 5 | $25,000 |
Limits include fees. The per-withdrawal amount is the total taken from your Cash balance, including the ATM fee, not the amount you receive before fees. To stay within your limit, the cash you request plus the fee must not exceed your tier’s per-withdrawal amount.
Example (Lite, $500 limit): requesting $480 costs $480 + $11.60 fee ($2 + 2%) = $491.60, so it goes through. Requesting $490 would cost $501.80 in total, so it’s declined even though $490 is under $500.
Do ATM withdrawals have fees?
ATM fees are as follows:
USD withdrawal: $2 + 2%
Balance Inquiry: $1
Decline: $1
FX for non USD withdrawal:
Plasma Fees:
Lite: 1%
Core: 0.5%
Plat: 0%
On Platinum, no FX fee is charged on a non-USD withdrawal, it converts at the Visa exchange rate, with nothing added. On Lite and Core, the Visa network FX fee also applies.
The ATM operator may also charge its own fee, shown on screen before you confirm.
Fees count toward your per-withdrawal limit. See the limits table above for how this works.
Do ATM withdrawals earn cashback?
ATM withdrawals do not earn cashback. Like other cash and cash-like transactions, they are excluded under the Plasma One Rewards Addendum.
If you withdraw a currency other than USD, FX applies on Lite and Core; on Platinum, no FX fee is charged. If the ATM offers to convert and charge you in USD, always choose the local currency instead; the ATM's own conversion rate usually includes extra markups.
What if my withdrawal is declined?
ATM withdrawals count toward your card's daily spending limit. If a withdrawal is declined is will be shown in the app and is usually due to one or more of the below reason:
The withdrawal is above the per-withdrawal $ amount limit for your tier
The withdrawal, including fees, is above the per-withdrawal limit for your tier
past your daily spending limit on your card
above your Spendable Cash
→ See: How do spending limits work?
What if I've reached my ATM withdrawal attempts limit?
The ATM Withdrawal Velocity rule limits the number of ATM withdrawals you can attempt within a rolling 24-hour window: 2 on Lite, 3 on Core, and 5 on Platinum.
Counting criteria:
All ATM withdrawal attempts count toward the limit.
Both approved and declined transactions count.
This includes transactions declined for any reason (insufficient funds, exceeded amount limit, etc.).
Once you reach your tier’s limit, further ATM withdrawal attempts are automatically declined until the earliest attempt falls outside the 24-hour window.
If none of these apply and your withdrawal is still declined, contact our support team and we will look into it for you.
Terms:
Full details on cashback eligibility, referral conditions, and tier benefits are in the Plasma One Rewards Addendum.
Rates, amounts, limits, eligible merchants and perks are the parameters currently in effect. They are variable and may change prospectively in accordance with the Plasma One Rewards Addendum.