ATM withdrawals ​

You can withdraw cash from ATMs with your Tuyo Card. Before your first withdrawal, make sure you have:

  1. Updated the Tuyo app to the latest version.
  2. Set your card PIN (Card → Settings → Set PIN, see Change your card PIN).
  3. Gone to any ATM that supports Visa, selected Credit, and entered your PIN using your virtual card.

That's it — you'll be able to withdraw normally as long as you stay within the limits below.

How it works ​

To keep the experience smooth and secure for all cardholders, the following ATM rules apply.

1. Withdrawal amount limit

  • Maximum per withdrawal: $250 USD (this includes any ATM surcharge charged by the ATM operator).
  • Total Transaction Amount = Withdrawal Amount + ATM Surcharge.
  • If the total exceeds $250 USD, the withdrawal is automatically declined.
  • Applies to all ATM cash withdrawals (MCC 6011).

2. Withdrawal frequency limit

  • Maximum 3 ATM withdrawal attempts within any rolling 24-hour period.
  • The system looks back exactly 24 hours from the moment of each new attempt.

What counts toward the limit:

  • All ATM withdrawal attempts (MCC 6011).
  • Both approved and declined attempts.
  • Declines for any reason (insufficient funds, amount exceeded, etc.).

After 3 attempts, any additional ATM attempt within the rolling 24-hour window is automatically declined.

Window behavior:

  • Each attempt is compared against all attempts within the previous 24 hours.
  • Attempts expire exactly 24 hours after they occurred.
  • There is no daily reset — the system continuously evaluates the last 24 hours.

Additional clarifications

  • The $250 amount limit applies separately from the 3-attempt frequency limit.
  • Both limits are enforced at the same time.
  • Declines due to exceeding the amount limit still count toward the attempt limit.
  • The 24-hour window is calculated to the second.
  • All limits are enforced in USD.

ATM fees & FX

ATM withdrawal fees and FX markups depend entirely on the ATM operator or the bank that owns the machine. Because these charges are external, Tuyo cannot know or control the exact fee or exchange rate applied. These fees are added on top of your withdrawal amount and count toward the $250 USD total limit.

Tuyo help guides.