Two fixed fees and one variable one decide what you actually get from the machine. Here is how they add up, with a worked example, so you can estimate the cost before you travel.
Published September 29, 2026 · 2 min read
The cost has up to three layers. First, moving money from the wallet balance to the card costs 0.1%. Second, the withdrawal itself costs 0.25% per operation. Third, the ATM owner may add its own fee. The first two are fixed by the card terms; the third is not set by the card issuer at all. Together, the fixed part comes to about 0.35% of the amount.
| Step | Who sets the fee | Rate | Where you see it |
|---|---|---|---|
| Swap coins inside the wallet (if needed) | Wallet | 0%, no markup on the rate | Amount you receive is shown before you confirm |
| Move wallet balance to the card | Card terms | 0.1% | Fee page |
| ATM withdrawal | Card terms | 0.25% per withdrawal | Fee page |
| ATM owner's own fee | ATM owner | Varies by machine and country | ATM screen, before you confirm |
Take the example from the fee page. Moving 1000 USDT to the card leaves $999.00, because 0.1% is $1. Withdrawing that at an ATM costs 0.25%, so you end up with $996.50 in hand. That is about $3.50 in total on $1000, before any fee added by the ATM owner. If the machine adds a charge, it comes on top of that figure.
This is a fee from the company that runs the machine, not from the card issuer. It differs from one machine to another and from one country to another, so there is no single number to plan around. The machine must show it on screen before you confirm the withdrawal. If the amount looks too high, cancel and try a different ATM. Nothing is charged until you confirm.
Once. The 0.25% fee is charged per withdrawal, so one larger withdrawal costs less than several small ones for the same total. Splitting cash into many small pulls also means you may meet the ATM owner's fee more than once. Withdraw as much as you realistically need, within the machine's and your own safety limits, rather than topping up in small pieces.
Nexus Pay is a crypto wallet with a Visa card that you open in Telegram (bot @nexuspaymybot). It is not a bank. Cash needs the physical card, which costs 99 USDT including delivery and arrives by mail; the virtual card works online and via Apple Pay and Google Pay, but tills and ATMs are the job of the physical one. Issuing a card requires identity verification with a document and a photo. Then the steps are:
The card only spends the available balance. There is no credit or overdraft, so load enough to cover the withdrawal and its fees. You can freeze and unfreeze the card in the app in one tap if it is lost. You can also set an optional four-digit access code in the app. This is general information, not financial advice; check the current fee page and the ATM screen for the exact numbers on your trip.
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