How to Withdraw Cash from an ATM Using RedotPay: Steps and Costs | Tips for Using It While Traveling Abroad

ATM Withdrawals Are a Safety Net for "Just in Case"

I’ll be honest with you. ATM withdrawals with RedotPay come with relatively high fees. As the author, I absolutely do not recommend relying on ATM withdrawals as your primary method of cash access throughout the year.

However, when you’re traveling abroad and find yourself in situations like “I absolutely need cash,” “I want to eat at a street stall that doesn’t accept cards,” or “the taxi only accepts cash,” an ATM becomes an overwhelmingly convenient option.In those moments, having a RedotPay physical card on hand allows you to withdraw local currency directly from your crypto asset balance without going through a bank account—and that sense of security is truly invaluable.

On this page, I’ll share the steps for making ATM withdrawals with a RedotPay physical card, a breakdown of fees, and tips for avoiding mishaps while traveling abroad, all illustrated with my own travel experiences.

A Physical Card Is Required for ATM Withdrawals

This is the most important prerequisite to keep in mind. To withdraw cash from an ATM using RedotPay, you need a physical card. Virtual cards do not support PIN-based transactions or ATM withdrawals.

Physical cards have an issuance fee of approximately 100 USDT and take about 2–4 weeks to ship. If you’re thinking, “I’ve decided to travel abroad, so I’ll rush to get a physical card issued,” there’s a high chance it won’t arrive in time. If you have plans to travel abroad, we strongly recommend applying at least 1.5 months in advance.

Fee Breakdown (as of May 2026)

ATM withdrawal fees are incurred in the following three tiers.

• RedotPay ATM Withdrawal Fees:

– Withdrawals in the same currency: Approximately 3% (2% withdrawal fee + 1% conversion fee) – Withdrawals in local currency: Approximately 4.2% (3% plus 1.2% FX fee)

• ATM operator’s proprietary fee: Equivalent to 2–5 USD per transaction (depending on the country and bank)
• Cross-currency FX fee: Approximately 1.2% (for local currency withdrawals)

Overall, withdrawing in local currency typically incurs a cost of 5–6%. Withdrawing the equivalent of 100,000 yen would result in a cost of approximately 5,000–6,000 yen.

For reference, here is a calculation for withdrawing the equivalent of 500 USD at an ATM.

• Same currency: RedotPay fee approx. 15 USD + ATM operator fee approx. 3 USD = approx. 18 USD
• In local currency: RedotPay fee approx. 21 USD + ATM operator fee approx. 3 USD = approx. 24 USD

Increasing the amount withdrawn per ATM transaction reduces the proportion of the fixed ATM operator fee. Calculations show that withdrawing $1,500 in a single transaction is cheaper overall than splitting the withdrawal into three transactions of $500 each.

Withdrawal Procedure — Actual Process at Overseas ATMs

1. Look for an ATM that accepts Visa/Plus or Mastercard/Cirrus. ATMs located at airports, inside major bank branches, or in shopping malls are safe.
2. RedotPay Insert your physical card into the ATM and enter your 4-digit PIN
3. Select "Cash Withdrawal," "Withdrawal," or "Withdrawal" from the menu
4. Enter the currency and amount
5. Press "Confirm" and the cash will be dispensed
6. Take the receipt and remove your card
7. You will receive an instant notification in the app, so please verify that the amount is correct

You can set or check your PIN in advance under "Card → PIN" in the RedotPay app. Be sure to check this before traveling abroad. If you travel abroad without knowing your PIN, you won’t be able to make ATM withdrawals.

Tips for a Successful Overseas Trip — 5 Practical Techniques

Based on my experience using RedotPay ATMs in over 10 countries, here are the tips that have proven most effective.

1. Choose ATMs at major banks

These ATMs have lower operator fees and dispense newer bills. Especially in developing countries, ATMs located inside major bank branches are the safest bet. Independent ATMs at airports and convenience store ATMs in tourist areas often charge higher fees.

2. Withdraw a Larger Amount at Once

Since a fixed fee applies, it’s more cost-effective to withdraw the full amount you need in one go. Withdrawing “50,000 yen in one go” is cheaper overall than withdrawing “10,000 yen five times.”

3. Avoid 24-hour ATMs

Some countries charge additional fees for using ATMs at night. Ideally, use ATMs inside bank branches during business hours.

4. Select "Local Currency"

If the screen asks, “Do you want to pay in your home currency?” (DCC: Dynamic Currency Conversion), be sure to select “NO.” DCC converts the amount at the ATM operator’s exchange rate and adds an additional fee of several percent. The golden rule is to select “Continue without conversion,” “Decline conversion,” or “Local currency.”

Taking this extra step can save you anywhere from a few thousand to tens of thousands of yen per year.

5. Set up Travel Notifications

If your app allows you to set up "Travel Notice," be sure to register your destination country in advance. This helps prevent the fraud detection system from overreacting.

What to Do in Case of Trouble

Exceeding the spending limit

Check your daily and monthly limits in the app, and request an increase if necessary. In some cases, KYC2 (advanced identity verification) may be required.

PIN Lock

Your card will be locked if you enter the wrong PIN multiple times. You can reset your PIN via the app.

Card Swallowed

Contact the ATM help desk and temporarily freeze the card via the app. The card will be returned by the local bank at a later date, or you can request a reissue via the app.

Withdrawal Confirmed but No Cash Dispensed

Save the ATM receipt and check "Recent Transactions" in the app. If the transaction was transmitted as an error, the amount will typically be credited back to your balance within 1–3 business days. If it is not credited back, contact both RedotPay Support and the bank that operates the ATM.

Country-Specific Trends — Based on the Author’s Personal Experience

Thailand (Bangkok): ATMs at Bangkok Bank and SCB have relatively low fees. A standard ATM operator fee of 220 baht per transaction is common.

South Korea (Seoul): ATMs inside Hana Bank and KB Kookmin Bank branches are nearly free. Independent ATMs in tourist areas charge fees exceeding 3,000 won.

Taiwan (Taipei): ATMs operated by Chunghwa Post have low fees and offer comprehensive English language support.

Vietnam (Hanoi, Ho Chi Minh City): ATMs at Vietcombank and BIDV are relatively reliable. Since outdoor ATMs carry a risk of skimming, choose ATMs located inside bank branches.

Indonesia (Bali): ATMs at Bank Central Asia and Bank Mandiri are reliable. Since the maximum withdrawal limit per transaction is low, you will often need to make multiple withdrawals.

Europe: ATMs inside bank branches may be fee-free. Standalone ATMs at airports tend to have higher fees.

North America: Withdrawal limits are often set high, but ATM operators typically charge a fee of 2–5 USD.

Regarding Use Within Japan

Using a physical RedotPay card at ATMs within Japan is inefficient because it involves round-trip currency conversion. For everyday cash withdrawals in Japanese yen, it is more cost-effective to use a debit card or cash card linked to a bank account.

The route of “Japanese Yen → USDT → Withdrawing Japanese Yen via ATM” can result in total costs reaching 7–8% due to round-trip exchange fees and ATM fees, making it impractical.

Summary — Use ATMs Only as a “Last Resort”

While ATM withdrawals are convenient, they come with high costs. Therefore, the best practice for long-term use of RedotPay is to “use card payments and contactless payments for daily transactions, and only use ATMs when cash is absolutely necessary.”

As an emergency backup, we recommend carrying both a small amount of local currency and a physical RedotPay card when traveling abroad. Having a physical card on hand serves as a “minimum cash security measure” in case of an emergency.

"I don’t know if I’ll withdraw cash, but I want to keep a physical card just in case"—I believe this mindset represents the most practical use of a RedotPay physical card.

Next, if you check the "Fee List" page to get a comprehensive sense of costs—including scenarios beyond ATMs—it will make planning your usage even easier.