MoneyPass ATM Near Me: Fees, Locations & Card Tips

Anyone who’s ever paid $3 just to get their own cash out of a machine knows that ATM fees can feel like a quiet tax on everyday life. The MoneyPass network promises a way around that — but only if your bank or card is part of it. This guide walks through how the network works, where to find its ATMs, what fees to expect, and what to do when you travel abroad or want to skip the physical card entirely.

ATMs in MoneyPass Network: 40,000+ ·
Typical Fee for Non-Members: $2.50 per transaction ·
Surcharge-Free Access: For qualified cardholders ·
Major Participating Retailer: 7-Eleven ·
Network Operator: FCTI (Financial Consulting & Trading International)

The network’s size and fee structure break down into a few key numbers worth knowing.

The pattern: if your card issuer participates, you pay nothing; if not, you face a typical $2.50 hit per withdrawal.

How much is the MoneyPass ATM fee?

Standard MoneyPass transaction fees

MoneyPass states that surcharge-free use depends entirely on whether your card-issuing institution has joined the network (MoneyPass policy FAQs). For qualified cardholders, the withdrawal fee is $0 at any MoneyPass ATM. PaySign’s fee schedule, for example, explicitly lists in-network ATM withdrawals as $0.00 for its AAA GPR card, defining “in-network” as the MoneyPass network (PaySign AAA GPR Fee Schedule).

When does a surcharge apply?

If your card is not from a participating institution, the ATM owner may charge a user fee — and MoneyPass warns that surcharge can go as high as $5 (MoneyPass surcharge FAQs). The screen will alert you before the transaction completes. Out-of-network fees for cards like the PaySign AAA GPR are $2.50, plus any operator surcharge (same PaySign source).

How to avoid fees as a cardholder

The simplest route: confirm your bank or card issuer participates. U.S. Bank, for instance, clearly states it offers no surcharges at MoneyPass network ATMs and will refund any fee you are charged (U.S. Bank Consumer Pricing Information). ICBC USA also joined MoneyPass, so its customers can use the network free of charge in the United States (ICBC USA Surcharge Free ATMs FAQ).

Are 7-11 ATMs MoneyPass and fee-free?

7-Eleven partnership with MoneyPass

Yes — many 7-Eleven ATMs are part of the MoneyPass network. FCTI operates a large number of those machines (MoneyPass Surcharge-Free ATM Access). If your card is MoneyPass-eligible, you can use a 7-Eleven ATM without a surcharge.

Fee changes for 7-Eleven ATMs

If the ATM screen shows a fee or surcharge notice, that particular machine may not be participating in the MoneyPass network (MoneyPass locator warning). Non-network cards will see a transaction fee — typically $2.50 to $3 — in addition to any out-of-network fee from their own bank.

How to identify a MoneyPass ATM at 7-Eleven

Look for the MoneyPass logo on the ATM signage or on the screen. MoneyPass says that when multiple ATMs share an address, the logo will be displayed (MoneyPass logo guidance). You can also use the official locator to filter by location before you go.

How do I use my PayPal Debit Card at an ATM?

Card compatibility with MoneyPass ATMs

PayPal Debit Cards are not directly issued by MoneyPass; they rely on partner banks. If your PayPal card is linked to a bank that participates in the MoneyPass network, you can use any MoneyPass ATM surcharge-free. Otherwise, out-of-network fees apply.

Steps to withdraw cash with PayPal card

1. Check your PayPal Debit Card documentation or app to see which ATM networks it supports.
2. Use the MoneyPass locator to find a nearby participating ATM (MoneyPass official locator).
3. Insert your card, enter PIN, and proceed. The screen will confirm any surcharge.
4. Review your withdrawal limit and foreign transaction fees if traveling.

Fees for PayPal debit card ATM use

Out-of-network withdrawals on cards like the PaySign AAA GPR cost $2.50 plus any ATM operator surcharge (PaySign AAA GPR Fee Schedule). The same structure applies to many PayPal-linked cards.

How to tell if an ATM is a MoneyPass ATM?

MoneyPass logo and signage

MoneyPass ATMs display the MoneyPass logo on the machine or on the screen. If you see multiple terminals, the participating ones will be labeled (MoneyPass locator details).

Using the official MoneyPass locator

The MoneyPass website and mobile apps provide a locator that shows every surcharge-free location (MoneyPass Group overview). Enter your address or ZIP code to see nearby ATMs.

Checking with your bank’s mobile app

Many participating banks — such as U.S. Bank — integrate the MoneyPass network into their own ATM finders. Open your banking app and look for the MoneyPass filter.

Are there free ATMs in Ireland?

MoneyPass network in Ireland

MoneyPass states that surcharge-free ATMs are only found within the United States and Puerto Rico (MoneyPass geography FAQs). Ireland is not covered. Do not expect to find a fee-free MoneyPass ATM in Dublin or Cork.

Alternative surcharge-free options in Ireland

Some Irish banks offer free withdrawals within their own network. Third-party services like Wise (formerly TransferWise) allow fee-free ATM withdrawals up to a certain monthly limit with its debit card. Always check the terms before traveling.

Tips for avoiding ATM fees in Ireland

• Use a local bank’s ATM network if you have an account with an Irish bank.
• Carry a Wise card or a travel card with no foreign transaction fees.
• Withdraw larger amounts less frequently to minimize per-transaction costs.

What ATMs let you withdraw without a card?

How cardless ATM withdrawals work

Cardless ATMs use your mobile phone — via a one-time code from your banking app or a contactless tap — instead of a physical card. MoneyPass supports cardless access through partner banks that have enabled the feature.

Major cardless ATM networks

Networks like MoneyPass and Allpoint offer cardless capabilities through participating banks. Wise also provides app-based cardless withdrawals (Wise fee-free withdrawal terms). The key requirement is prior setup: you must link your cardless feature in your bank’s app.

Security tips for cardless withdrawals

• Always use your bank’s official app to generate the code.
• Do not share the one-time code with anyone.
• Check your account immediately after the withdrawal to confirm the amount.

For US residents with a participating bank, the MoneyPass network is a reliable, fee-free way to access cash. International travelers and non-participating cardholders face extra costs — the implication is clear: check your card’s network affiliation before you travel, or carry an alternative like Wise to avoid unpleasant surprises at the ATM screen.

Frequently asked questions