How cash withdrawal limits are structured
A card can be allowed to withdraw more than a particular ATM will hand over. Knowing which limit comes from where saves you a wasted trip to the machine.
Published September 30, 2026 · 3 min read
Key takeaways
- Your daily cash limit depends on the card tier and is shown in the app's limits section.
- An ATM can cap a single withdrawal on its own, regardless of your card's limit.
- The 0.25% fee is charged per withdrawal, so one larger withdrawal costs less than several small ones.
- Cash limits are separate from card payments, so a low cash limit does not stop you paying by card.
What limits apply when I withdraw cash with a crypto card?
Two limits work at the same time, and the lower one decides what you actually get. The first is the daily withdrawal limit tied to your card. The second is any cap a specific ATM puts on a single withdrawal. Separately, the card only spends the available balance: there is no credit and no overdraft, so the money must be on the card. Cash withdrawals need the physical card, since it is the one that works at tills and ATMs.
What does the daily withdrawal limit depend on?
It depends on the card tier. The Business card is described as having higher limits than the Signature card, and the exact daily figures are shown in the limits section of the app. Check that section before you plan a large withdrawal, because the numbers there are the ones that apply to your card. In Nexus Pay you can see them in the app without contacting anyone. If your plans outgrow the current tier, the tier is the first thing to look at.
Why does an ATM give me less than my daily limit?
Because the daily limit belongs to your card, while the per-withdrawal cap belongs to the machine. The machine's owner sets it, not the card issuer, so two ATMs can behave differently with the same card. If a machine caps a single withdrawal below what you need, you may have to make more than one withdrawal, and each one carries its own fee. The ATM owner may also add a fee of its own, which the ATM screen shows before you confirm.
| Limit | Who sets it | Where you see it | What it affects |
|---|---|---|---|
| Daily cash limit | Your card tier | Limits section of the app | Total cash you can withdraw in a day |
| Single-withdrawal cap | The ATM | The ATM screen | How much one withdrawal can be |
| Available balance | Your own funds on the card | The app | Both cash and card payments |
| Card payments | Not tied to cash limits | The app | Shops and online spending |
Do cash limits also restrict card payments?
No. Card payments are separate from cash limits, so a low cash limit does not stop you paying in shops or online. Payments are bound only by the available balance on the card. A virtual card, which works online and contactless via Apple Pay and Google Pay, does not depend on ATM limits at all. If you use up your daily cash allowance, you can still pay by card.
How do withdrawal limits affect the fees I pay?
The 0.25% ATM fee is charged per withdrawal. That means one larger withdrawal within your limits costs less than several small ones for the same total. For scale: 1000 USDT moved to the card becomes $999.00, and withdrawn at an ATM it leaves $996.50 before any ATM-owner fee. Moving money from the wallet to the card carries its own 0.1%, and card purchases are 0%. The practical rule is to withdraw in as few steps as the limits allow.
How should I plan a withdrawal around the limits?
Start with the numbers you can check. Then move on to the machine, since its cap is only visible there.
- Open the limits section in the app and note your daily limit.
- Move enough from the wallet balance to the card, remembering the 0.1% transfer fee.
- At the ATM, read the screen for the machine's cap and any owner fee before confirming.
- If the cap is lower than you need, choose another ATM rather than splitting into many small withdrawals.
Nexus Pay shows the fee and the amount before you confirm, so you can compare options on the spot.
Common questions
Where can I find my exact daily cash limit?
In the limits section of the app. The figure depends on your card tier.
Can I raise my cash limit?
Limits depend on the card tier, and the Business card has higher limits than Signature. The app's limits section shows what applies to your card.
Why did the ATM refuse an amount within my daily limit?
The machine may cap a single withdrawal, and that cap is set by the machine, not the card issuer. Try a smaller amount or another ATM.
Is it cheaper to withdraw once or several times?
Once. The 0.25% fee is charged per withdrawal, so one larger withdrawal within limits costs less than several small ones.
If I hit my cash limit, can I still pay by card?
Yes. Card payments are separate from cash limits, and the only condition is enough available balance.
Related reading
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