Find an ATM to withdraw from your Wave Money account without fees

Wave Money is currently in limited release and available by invitation only. If you haven’t received an invitation, learn more about Wave Money here.


Find a no-fee ATM near you

  1. In the Wave Money app, scroll down to the bottom of the dashboard page and click Find an ATM near you.
  2. From the map of surcharge-free ATMs near you, tap on an option to view the ATM’s address and distance from your current location.

To view the available ATMs based on your current location, you need to enable location access for the Wave Money app through your phone’s settings.

Frequently asked questions

Will I be charged a fee to withdraw from an ATM?

There is no fee for cash withdrawal on Wave’s surcharge-free ATM network. The Wave Visa Business Debit Card connects with a network of thousands of ATMs across the country to offer surcharge-free cash withdrawals.

However, if you use an out-of-network ATM for any transaction, including checking your account balance, that ATM provider may charge you a fee. This ATM fee is determined by the individual third-party ATM operator only, and will be charged to your Wave Money account.

Which option do I select at the ATM?

When withdrawing funds from an ATM, you need to select the Checking Account or Business Checking Account option for a successful withdrawal.

My ATM withdrawal failed. How do I resolve this?

You may have exceeded your ATM withdrawal limits, which would prevent the transaction from processing. You can check the account limits for ATM withdrawals in-app by navigating to Settings > Account Limits. If you are attempting to withdraw an amount equal to or under your current account limit, and are running into issues, try withdrawing this in increments. For example, instead of one $400 withdrawal, try a $380 withdrawal, followed by a $20 withdrawal.