Can You Get Cash From a Debit Card?

Debit cards provide convenient access to funds held within linked bank accounts. They enable individuals to manage money digitally and obtain physical cash when needed. Cash access is straightforward, reflecting the available balance. Understanding the different ways to withdraw cash and any associated considerations can help cardholders manage their finances.

Common Methods for Cash Withdrawal

Automated Teller Machines (ATMs) are a primary and widely accessible option for cash withdrawals. To use an ATM, insert your debit card and enter your Personal Identification Number (PIN). Select the “withdrawal” option, specify the desired amount, and choose the account. The machine then dispenses the cash and provides a receipt, concluding the transaction.

Cashback services are offered at the point of sale (POS) in many retail stores. This process involves making a purchase with the debit card and requesting an additional amount of cash back. The total charged to the card includes both the purchase price and the requested cashback amount, with the cashier then providing the cash from the register. This method is convenient for consumers as it allows them to obtain cash without needing to locate an ATM.

Individuals can also withdraw cash directly from their bank account by visiting a branch and interacting with a bank teller. This method requires presenting the debit card along with a form of identification. Teller withdrawals allow for higher cash amounts to be accessed compared to ATM limits, providing flexibility for larger cash needs.

Associated Fees and Limits

When withdrawing cash using a debit card, various fees and limits may apply. ATM withdrawals, particularly those made outside of a cardholder’s bank network, incur fees. These can include a surcharge imposed by the ATM owner, which averaged around $3.19 per transaction as of early 2025. In addition, the cardholder’s own bank may charge a separate out-of-network fee, which averaged about $1.58 per transaction. This leads to a combined average fee of approximately $4.77 for out-of-network ATM withdrawals. These fees can accumulate if frequent out-of-network ATM use occurs.

Foreign transaction fees apply when cash is withdrawn internationally. These fees are a percentage of the transaction amount, ranging from 1% to 3%, and may also include a flat fee per transaction. Some banks or card networks may absorb these fees, but check specific card terms before international travel. The ATM operator in a foreign country may also impose its own surcharge.

Debit card transactions are subject to limits. Banks set daily ATM withdrawal limits, which range from $300 to over $1,000, though some premium accounts may have higher limits up to $5,000. These limits can vary based on the specific bank and the type of account held. Cashback transactions at retail locations also have limits, usually set by the store, which can range from $5 to $50, though some merchants may allow up to $100 or $200 per transaction.