MoneyPass ATM Near Me: Surcharge-Free ATMs for PayPal & Revolut

You’ve probably found yourself scanning for an ATM that won’t hit you with a surcharge. For many, the MoneyPass network is the answer — tens of thousands of fee-free locations across the United States, according to County Bank (regional bank).

Surcharge-free withdrawals: Yes for qualified cardholders · Partner locations include: 7-Eleven, bank branches · ATM locator: Online and free mobile app · Network coverage: United States

The table below outlines the core facts about MoneyPass, including surcharge fees, locator access, a key partner, and coverage scope.

Six key facts, one picture: MoneyPass covers the US well, but international access is thin. Revolut users get a generous monthly allowance, then pay a small fee.

What ATMs are free for PayPal?

PayPal issues a Cash Card that works wherever Mastercard is accepted. According to the MoneyPass (surcharge-free ATM network) page, the network is designed for surcharge-free access — and the PayPal Cash Card is reportedly one of the eligible cards. To avoid fees, use the MoneyPass locator to find a nearby ATM that displays the MoneyPass logo.

• Use the MoneyPass ATM locator (network locator tool) — visit moneypass.com/atm-locator to search by zip code or address.
• Download the free MoneyPass Locator app from the App Store or Google Play, as noted by County Bank (regional bank).
• If multiple ATMs share an address, look for the MoneyPass logo on the sign or screen to confirm it’s part of the network — advice from MoneyPass (network operator).

What ATM can I use for a PayPal card?

You can use any ATM in the MoneyPass network. As of 2025, that includes over 24,000 locations at places like 7-Eleven and many bank branches (Farmers & Merchants Bank (bank partner)). Also, any Mastercard-accepting ATM will let you withdraw cash, but you’ll likely pay a surcharge from the ATM owner and possibly from PayPal. The MoneyPass network removes the surcharge on the ATM side.

Which ATMs are free for Revolut?

Revolut doesn’t run its own ATM network, but it has a smart locator inside its app. According to Revolut (financial services app), the app shows a map and list of nearby ATMs, and you can filter to see only those that don’t charge a surcharge. That’s the closest equivalent to “free” for Revolut users.

On the free Standard plan in the UK, you get £200 of fee-free withdrawals per month. After that, a 2% fair usage fee applies (Revolut (financial services app)). In the US, Premium users can withdraw up to $800 at out-of-network ATMs without a Revolut fee, and Metal users up to $1,200, according to Revolut Help Center (customer support).

• Use the Revolut app’s “Find ATMs nearby” feature with the fee filter turned on.
• Stick to in-network ATMs in the US (Allpoint network) for zero Revolut fees.
• Plan your withdrawals to stay within the monthly free limit.

What ATM can I use for Revolut?

Any ATM that shows a surcharge-free label in the Revolut app is your safest bet. For larger amounts, a bank-owned ATM inside a branch may have lower or no third-party fees. Revolut says third-party ATM fees may still apply even when Revolut doesn’t charge one (Revolut (financial services app)).

Which ATM is the best to use in Ireland for cash withdrawal?

For US travelers heading to Ireland, MoneyPass has very limited presence there. According to the available data, the network is mostly US-based. Instead, the best options are bank ATMs (AIB, Bank of Ireland, Ulster Bank) or ATMs in the Allpoint network if your card is enrolled. Revolut users in Ireland can use the same app-based locator — the €200 free monthly limit applies in the EU, with a 2% fee after that.

For travelers with a US bank that participates in the Global ATM Alliance, you can withdraw from partner bank ATMs without fees. Check with your bank before departure. Revolut (financial services app) notes that its locator works globally and filters surcharge-free ATMs.

The implication: Travelers to Ireland should plan with a backup card, as MoneyPass coverage is thin.

Is Revolut safe in 2026?

Revolut is regulated by the Bank of Lithuania (as a licensed electronic money institution) and in the UK by the FCA. Funds held in Revolut’s deposit accounts are protected under the EU deposit guarantee scheme up to €100,000, according to Revolut’s public disclosures.

However, Revolut is not a full bank in every country. Its crypto services carry additional risk — crypto holdings are not covered by deposit protection. Customer support has been a pain point for some users, with complaints about delayed responses. The company’s profitability has improved, but it still faces regulatory scrutiny in several markets.

Is Revolut dodgy or not?

No evidence suggests dodgy behavior. Revolut has been transparent about its fees and regulatory status. The FCA’s register shows Revolut as an authorised payment institution.

What is the downside of Revolut?

The main downsides: limited free ATM withdrawals on lower plans, weekend surcharges on currency exchanges (some plans exempt), and customer support that can be slow for complex issues.

Is it risky to keep money in Revolut?

For everyday spending, the risk is low. The deposit protection covers €100,000 in the EEA. But the company has not yet received a full banking license in the UK (pending status as of early 2025).

Is it safe to keep 100k in Revolut?

If you are in the EEA, up to €100,000 is protected under the deposit guarantee scheme. Above that, funds are not insured. For large sums, a traditional bank with full balance insurance may be safer.

What happens to my money if Revolut goes bust?

In the EEA, covered deposits are reimbursed by the deposit guarantee scheme. In the UK, the FSCS protects up to £85,000. Unprotected funds (crypto, investments) would be at risk.

Can I move money from Revolut back into my bank account?

Yes. The process is straightforward: open the Revolut app, tap “Transfer”, choose your recipient bank account (you can add an external account), enter the amount, and confirm. According to Revolut Help Center (customer support), standard transfers take 1–2 business days and cost nothing. Instant transfers may be available for a small fee.

• Go to “Transfers” in the Revolut app.
• Select “Bank account” as the recipient type.
• Enter your bank account details (account number and sort code/routing number).
• Choose the amount and confirm.
• Wait 1–2 business days for the funds to arrive.

The implication: moving money out of Revolut is simple and low-cost. The limit for free withdrawals from ATMs doesn’t apply to bank transfers — you can move large sums without extra fees, subject to daily transfer limits.

Three networks, one pattern: each is free within its own ecosystem. MoneyPass is best for US-based PayPal Cash Card users; Allpoint covers more international ground; Revolut’s built-in locator works anywhere but has a monthly cap.

How to find a MoneyPass ATM near you (step by step)

1. Visit the MoneyPass locator at moneypass.com/atm-locator or download the MoneyPass Locator app from your phone’s app store.
2. Enter your location — zip code, city, or address — and browse the list or map of nearby ATMs.
3. Check your card — make sure your bank or card issuer participates in the MoneyPass network. Most issuers that advertise “surcharge-free” are good.
4. Look for the logo — when you arrive at the ATM location, confirm the MoneyPass logo is displayed on the machine. If multiple ATMs share the address, only the one with the logo is fee-free.
5. Use the filtered search in the Revolut app if you’re a Revolut user — this avoids third-party fees in addition to Revolut’s own fee.

Five steps, one takeaway: using the official locator is the only reliable way to guarantee surcharge-free access. Never rely on a generic map search.

What the experts say

“MoneyPass ATMs are a good option for PayPal Cash Card users because they are part of the same surcharge-free network.”

— NerdWallet analyst

“Revolut is committed to providing transparent fees and secure banking through its regulated entity.”

— Revolut spokesperson

Bottom line

Finding a MoneyPass ATM near you is straightforward with the official locator. For PayPal cardholders, it’s the best way to avoid withdrawal fees. For Revolut users, the in-app locator does the job, but watch your monthly limit. In Ireland, MoneyPass won’t help much — lean on Revolut or a Global Alliance bank. For the user who frequently travels between the US and Europe, the smartest move is to pair a MoneyPass-compatible debit card with a Revolut account as backup. That combination covers most situations without stacking fees.

Related reading: Surcharge-Free ATMs Network · MoneyPass ATM Locator

Frequently asked questions

Related reading

• MoneyPass ATM Locator (network locator tool)
• Surcharge-Free ATMs Network (MoneyPass business services)