{"id":85127,"date":"2026-04-14T11:46:40","date_gmt":"2026-04-14T03:46:40","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=85127"},"modified":"2026-04-14T11:46:40","modified_gmt":"2026-04-14T03:46:40","slug":"us-atm-withdrawal-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/","title":{"rendered":"US ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong><strong>Heading to the US? Here&#8217;s everything you need to know about withdrawing cash in America.<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Planning a trip to the United States in 2026? Cards are widely accepted almost everywhere \u2014 but cash still has its place, especially for tipping, street food, and the occasional cash-only spot. This US ATM withdrawal guide covers everything Singaporean travellers need to know: ATM fees, the best banks to use, withdrawal limits, exchange rate tips, and a few US-specific quirks that catch foreign cardholders off guard.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-new-zealand\/\">Things To Do In New Zealand: The Ultimate Travel Guide (2026)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-da-nang\/\">13 Best Things To Do In Da Nang, Vietnam (2026 Guide)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-kyoto\/\">33 Things to Do in Kyoto, Japan: Top Attractions, Food &amp; Travel Tips<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Summary<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The US is largely cashless \u2014 cards are accepted almost everywhere. But cash is still useful for tips, street food vendors, and smaller independent businesses.<br><\/li>\n\n\n\n<li>Visa and Mastercard foreign cards work at virtually all US ATMs.<br><\/li>\n\n\n\n<li>ATM fees in the US are higher than most destinations \u2014 budget around <strong>5 USD (~S$6.40) per withdrawal <\/strong>in combined fees.<br><\/li>\n\n\n\n<li><strong>Chase <\/strong>and<strong> Bank of America<\/strong> have the widest ATM coverage nationwide.<br><\/li>\n\n\n\n<li>Typical withdrawal limits range from <strong>500\u20131,000 USD (~S$641\u2013S$1,282) per transaction<\/strong>.<br><\/li>\n\n\n\n<li>Watch out for the gas station ZIP code issue \u2014 foreign cards cannot pay at the pump unattended.<br><\/li>\n\n\n\n<li>YouTrip offers <strong>free S$400 in ATM withdrawals <\/strong>every calendar month with zero FX fees. *A 2% fee is imposed thereafter.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>\ud83d\udcda Table of Contents<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#cash-in-us\"><strong>Do You Still Need Cash in the US?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#tipping\"><strong>Tipping in the US: What You Need to Know<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdraw-usd\"><strong>Can I Withdraw USD Using My Debit\/Credit Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#find-atms\"><strong>Where to Find ATMs in the US<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#how-to-withdraw\"><strong>How to Withdraw USD at US ATMs<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#atm-fees\"><strong>US ATM Fees<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#minimise-fees\"><strong>Tips to Minimise ATM Fees in the US<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdrawal-limits\"><strong>US ATM Cash Withdrawal Limits<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#exchange-rates\"><strong>Exchange Rates &amp; Conversion Fees in the US<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#multi-currency-card\"><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#safety-tips\"><strong>Safety Tips for Using ATMs in the US<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cash-in-us\"><strong><strong><strong><strong>Do You Still Need Cash in the US?<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Short answer: A little.<\/p>\n\n\n\n<p>The US is one of the most card-friendly destinations you&#8217;ll visit \u2014 contactless payments, Apple Pay, and Google Pay are widely accepted, and most restaurants, shops, and attractions take cards without a minimum spend. That said, cash still comes in handy for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tipping<\/strong>\u00a0\u2014 while card tipping is now the norm at restaurants, some situations (hotel porters, valet parking, tour guides, food trucks) are easier with cash<\/li>\n\n\n\n<li><strong>Street food vendors and food markets<\/strong><\/li>\n\n\n\n<li><strong>Small independent businesses<\/strong>\u00a0\u2014 some still cash-only or card-minimum<\/li>\n\n\n\n<li><strong>Laundromats<\/strong>\u00a0\u2014 coin-operated machines remain common<\/li>\n\n\n\n<li><strong>Some local transportation<\/strong>\u00a0\u2014 certain buses and older taxi drivers prefer cash<\/li>\n<\/ul>\n\n\n\n<p><strong>Tip:<\/strong> 100\u2013200 USD (~S$128\u2013S$256) is usually enough to cover a week&#8217;s worth of cash needs for most travellers. Keep the rest on your multi-currency card.<\/p>\n\n\n\n<p><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/1-sgd-to-usd\/\"><strong>SGD to USD Guide: Exchange Rate, Forecast &amp; Best Way to Convert<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tipping\"><strong><strong><strong>Tipping in the US: What You Need to Know<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-18.png\" alt=\"US atm withdrawal cash\" class=\"wp-image-85134\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-18.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-18-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-18-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This section deserves its own spot \u2014 tipping in the US is not optional for most service encounters, and knowing the norms saves you from awkward moments.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Situation<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Standard tip<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Sit-down restaurant<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">18\u201320% of bill<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Bar (drinks)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1\u20132 USD per drink, or 18\u201320% on tab<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Food delivery<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">15\u201320%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">18\u201320% of the bill<\/td><td class=\"has-text-align-left\" data-align=\"left\">15\u201320%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Hotel porter \/ bellhop<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1\u20132 USD per bag<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Valet parking<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">2\u20135 USD on collection<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Tour guide (half day)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">10\u201320 USD per person<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Housekeeping<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">2\u20135 USD per night<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Cash vs card tipping:<\/strong> Card tipping is completely normal at restaurants and most service counters \u2014 you&#8217;ll be prompted on the card machine. Cash tips are preferred by some service staff as they receive them immediately. Either works; the amount matters more than the method.<\/p>\n\n\n\n<p><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/vancouver-travel-guide\/\"><strong>Vancouver Travel Guide: 20 Best Things to Do, Weather &amp; Local Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"withdraw-usd\"><strong><strong>Can I Withdraw USD Using My Debit\/Credit Card?<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Yes \u2014 Visa and Mastercard are universally accepted at US ATMs. UnionPay also works through the Discover network partnership, though coverage is less consistent than Visa or Mastercard.<\/p>\n\n\n\n<p>Before you travel:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Notify your Singapore bank<\/strong>\u00a0\u2014 US transactions can trigger fraud alerts and freeze your card<\/li>\n\n\n\n<li><strong>Confirm your PIN is 4 digits<\/strong>\u00a0\u2014 some US ATMs don&#8217;t accept 6-digit PINs used on some foreign cards<\/li>\n\n\n\n<li><strong>Check your bank&#8217;s overseas ATM policy<\/strong>\u00a0\u2014 fees and limits vary significantly<\/li>\n<\/ul>\n\n\n\n<p>To locate the nearest ATM:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.visa.com\/atmlocator\" target=\"_blank\" rel=\"noreferrer noopener\">Visa ATM locator<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mastercard.com\/global\/en\/personal\/find-a-location.html\" target=\"_blank\" rel=\"noreferrer noopener\">Mastercard ATM locator<\/a><\/li>\n<\/ul>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/exchange-money-in-singapore-or-overseas\/\"><strong>Should You Exchange Money in Singapore or Overseas? (Here\u2019s What\u2019s Cheaper)<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"find-atms\"><strong><strong><strong>Where to Find ATMs in the US<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ATMs are everywhere \u2014 banks, convenience stores, airports, shopping malls, grocery stores, and pharmacies. The most reliable for foreign cardholders:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>1. Chase<\/strong> \u2014 <a href=\"https:\/\/www.chase.com\/personal\/banking\/atm-finder\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>Largest ATM network in the US. Widely available in cities, suburbs, airports, and shopping centres nationwide.<\/p>\n\n\n\n<p><strong>2. Bank of America<\/strong> \u2014 <a href=\"https:\/\/www.bankofamerica.com\/atmsearch\/\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>Second-largest network. Reliable foreign card acceptance; ATMs typically dispense 20 USD bills with a 1,000 USD per-transaction limit.<\/p>\n\n\n\n<p><strong>3. Wells Fargo<\/strong> \u2014 <a href=\"https:\/\/www.wellsfargo.com\/locator\/\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>Strong coverage on the West Coast and major cities.<\/p>\n\n\n\n<p><strong>4. TD Bank<\/strong> \u2014 <a href=\"https:\/\/www.tdbank.com\/locations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Locate your ATM here<\/a> <br>Best coverage along the US East Coast.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udca1 Surcharge-free tip:<\/strong> ATMs in retail locations on the <strong>Allpoint<\/strong> network (CVS, Walgreens, Walmart, Target, 7-Eleven \u2014 55,000+ locations) are surcharge-free <em>for participating bank customers<\/em>. Foreign cardholders may still incur fees \u2014 check with your Singapore bank before assuming it&#8217;s free.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Pro Tip:<\/strong> Avoid ATMs in bars, casinos, tourist traps, and standalone machines on the street. These are the most likely to charge the highest fees \u2014 sometimes up to 11 USD per withdrawal.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/seattle-travel-guide\/\"><strong>Seattle Travel Guide: 19 Best Things To Do, Weather &amp; Local Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-withdraw\"><strong><strong><strong><strong>How to Withdraw USD at US ATMs<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\"><strong>Here&#8217;s how to withdraw US Dollars with YouTrip in 4 easy steps:<br><\/strong><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1775793913693\"><strong class=\"schema-how-to-step-name\">Locate an ATM displaying the Visa\/Mastercard logo and insert your YouTrip card<\/strong> <p class=\"schema-how-to-step-text\"><img decoding=\"async\" width=\"450\" height=\"121\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png\" class=\"attachment-full size-full\" alt=\"mastercard atm logos\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png 450w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1-300x81.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793948675\"><strong class=\"schema-how-to-step-name\">Select \u2018Saving account\u2019<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793955775\"><strong class=\"schema-how-to-step-name\">Key in your 4-digit ATM &amp; Card PIN\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793961025\"><strong class=\"schema-how-to-step-name\">Withdraw your desired amount in USD<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793967359\"><strong class=\"schema-how-to-step-name\">Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><\/ol><\/div>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em>Find out more about how to withdraw with YouTrip <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\" id=\"81580\"><strong>here<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>get your YouTrip card here!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"atm-fees\"><strong><strong><strong><strong><strong>US ATM Fees<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ATM fees in the US are among the highest of any destination in this guide. Here&#8217;s what you&#8217;re typically paying:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ATM operator fee (charged by the US bank):<\/strong> 3\u20135 USD per transaction. Chase charges a flat 5 USD; Wells Fargo charges 5 USD. Average across all US banks: ~3.22 USD.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your Singapore bank&#8217;s fee:<\/strong> On top of that, your home bank adds its own charge \u2014 typically 1.50\u20133 USD or a percentage of the withdrawal. Average: ~1.64 USD .<\/li>\n<\/ul>\n\n\n\n<p>\u2696\ufe0f <strong>Combined total per withdrawal:<\/strong> 4.86 USD on average \u2014 up to 11 USD at the worst ATMs (bars, casinos, tourist areas).<\/p>\n\n\n\n<p>At a 1 SGD = 0.78 USD rate, that&#8217;s roughly <strong>S$6.20\u2013S$14 per withdrawal<\/strong>. Withdrawing larger, less frequent amounts is the only way to manage this.<\/p>\n\n\n\n<p>To avoid any unexpected charges, check with your bank before your trip.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"minimise-fees\"><strong><strong><strong>Tips to Minimise ATM Fees in the US<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Withdraw larger amounts less often<\/strong>\u00a0\u2014 each withdrawal costs 5+ USD regardless of amount<\/li>\n\n\n\n<li>Use major bank ATMs (Chase, Bank of America, Wells Fargo) \u2014 avoid standalone machines in tourist areas<\/li>\n\n\n\n<li>Look for ATMs at Walgreens, CVS, or Walmart \u2014 often on the Allpoint surcharge-free network<\/li>\n\n\n\n<li>Use a multi-currency card like YouTrip for card payments \u2014 eliminates the need for frequent ATM trips<\/li>\n\n\n\n<li>Avoid using credit cards to withdraw cash \u2014 cash advance fees and instant interest apply<\/li>\n\n\n\n<li>Always select USD when prompted \u2014 never your home currency (see DCC below)<\/li>\n<\/ul>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/send-money-to-the-usa\/\"><strong>How To Send Money To The USA From Singapore<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"withdrawal-limits\"><strong><strong><strong>US ATM Cash Withdrawal Limits<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Bank<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Per-transaction limit<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Bank of America<\/td><td class=\"has-text-align-left\" data-align=\"left\">1,000 USD (~S$1,282)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Chase<\/td><td class=\"has-text-align-left\" data-align=\"left\">500\u20131,000 USD (~S$641\u2013S$1,282)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Wells Fargo<\/td><td class=\"has-text-align-left\" data-align=\"left\">500\u20131,500 USD (~S$641\u2013S$1,923)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Most US ATMs (daily cap)<\/td><td class=\"has-text-align-left\" data-align=\"left\">300\u20135,000 USD \u2014 varies by issuing bank<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your Singapore bank also sets its own daily overseas withdrawal limit \u2014 check this before you travel, especially for longer trips where you may need a larger single withdrawal.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\"><strong>Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)<\/strong><\/a><\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exchange-rates\"><strong><strong><strong><strong>Exchange Rates &amp; Conversion Fees in the US<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Dynamic Currency Conversion (DCC):<\/strong> If an ATM or card terminal offers to charge you in SGD instead of USD \u2014 always choose USD. DCC adds a 3\u20135% markup on the already unfavourable rate, on top of your bank&#8217;s foreign transaction fee.<\/p>\n\n\n\n<p><strong>Exchange rate markups:<\/strong> Without a multi-currency card, your Singapore bank typically marks up the SGD\/USD rate by 1\u20134%. At current rates of approximately 1 SGD = 0.78 USD, a 3% markup costs you real money on larger withdrawals.<\/p>\n\n\n\n<p><strong>Gas station quirk:<\/strong> If you&#8217;re renting a car, know that US petrol stations require a US ZIP code (5-digit postal code) to pay at the pump by card. Foreign cards will be declined at the pump. Solution: always go inside and pay the cashier directly.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-exchange-rates\/\"><strong><em>YouTrip Exchange Rates: Everything You Need to Know<\/em><\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"multi-currency-card\"><strong><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Given the high ATM fees in the US, a multi-currency card is especially valuable here \u2014 it means fewer ATM trips and no rate markups on card payments.<\/p>\n\n\n\n<p>Cards like YouTrip, Wise, and Revolut are worth using. They typically:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Give you real-time exchange rates with no markup<\/li>\n\n\n\n<li>Charge zero or lower foreign transaction fees vs traditional banks<\/li>\n\n\n\n<li>Offer free monthly ATM withdrawals and work at virtually all US ATMs and retail stores<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s a quick comparison between some of the best multi-currency cards in Singapore:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Revolut<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Wise<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Amaze<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>USD Exchange Rate<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7852 USD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7851 USD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7832 USD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7849 USD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7813 USD<\/td><\/tr><tr><td><strong>FX Fees <\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees <\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>On weekdays:&nbsp;<\/strong>No fees apply if you\u2019re within your plan\u2019s fair usage limit&nbsp;<br><br><strong>On weekends:&nbsp;<\/strong>1% fee applies regardless of your plan<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currency Conversion Fee:&nbsp;<\/strong>From 0.26%<br><br>*fee varies by currency<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees for FX <br><br>\u2705 1% domestic SGD fee<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees<\/td><\/tr><tr><td><strong>ATM Withdrawal Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$400 free\/month; 2% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$350 or 5 withdrawals free\/month; 2% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>From 1 May 2026:<\/strong><br>Free up to S$100\/month; 1.75% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">2% on all withdrawals<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rates taken as of 14 Apr 2026<\/em><\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em>Find out what are the <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\" id=\"50892\">Best Multi-Currency Cards In Singapore<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safety-tips\"><strong><strong><strong>Safety Tips for Using ATMs in the US<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use ATMs inside bank branches, hotel lobbies, or well-lit retail stores \u2014 avoid standalone machines, especially at night<\/li>\n\n\n\n<li>Check for skimming devices \u2014 look for anything loose, unusual, or sticky around the card slot or keypad<\/li>\n\n\n\n<li>Cover your PIN when entering it<\/li>\n\n\n\n<li>Do not count or display your cash at the ATM \u2014 pocket it and move away first<\/li>\n\n\n\n<li>Enable transaction alerts via your banking app<\/li>\n\n\n\n<li>If your card gets stuck or is lost, call your bank immediately<\/li>\n\n\n\n<li>Notify your Singapore bank before departure \u2014 US transactions are a common fraud trigger<\/li>\n<\/ul>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/tourist-traps-in-us\/\"><strong>Tourist Traps And Scams In The US To Watch Out For<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong> Country ATM Guides:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83c\uddf2\ud83c\uddfe <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddef\ud83c\uddf5 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\">Japan ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\uddf9\ud83c\udded <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\"><strong>Thailand ATM Withdrawal Guide<\/strong><\/a><br><strong>\ud83c\uddf0\ud83c\uddf7 <a href=\"https:\/\/www.you.co\/sg\/blog\/south-korea-atm-withdrawal-guide\/\">South Korea ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddf9\ud83c\uddfc <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-atm-withdrawal-guide\/\">Taiwan ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\udded\ud83c\uddf0 <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/\">Hong Kong ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddee\ud83c\udde9 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/\">Indonesia ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddfb\ud83c\uddf3 <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/\">Vietnam ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\udde6\ud83c\uddfa <a href=\"https:\/\/www.you.co\/sg\/blog\/australia-atm-withdrawal-guide\/\"><strong>Australia ATM Withdrawal Guide<\/strong><\/a><br><strong>\ud83c\uddf2\ud83c\uddf4 <a href=\"https:\/\/www.you.co\/sg\/blog\/macau-atm-withdrawal-guide\/\">Macau ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\udde8\ud83c\uddf3 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/\">China ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\uddfa\ud83c\uddf8 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/\">US ATM Withdrawal Guide<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get the Best USD Rates<\/strong> <strong>with YouTrip!<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-17.png\" alt=\"US ATM withdrawal\" class=\"wp-image-85135\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-17.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-17-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/04\/blog-size-17-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best USD rates \u2014 no fees, no hidden charges. You also get free monthly ATM withdrawals of up to S$400, with a 2% fee imposed thereafter. Perfect for hassle-free travel in the US.<\/p>\n\n\n\n<p>Sign up for your complimentary YouTrip card today with <strong>&lt;YTBLOG5&gt;<\/strong> and get <strong>FREE S$5<\/strong> in your account!<\/p>\n\n\n\n<p>Then, head over to our <a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">YouTrip Perks<\/a> page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it.<\/p>\n\n\n\n<p>For more great tips and articles like this, join our <a href=\"https:\/\/t.me\/youtripsquad\">Telegram<\/a> (@YouTripSG) and subscribe to our <a href=\"https:\/\/go.you.co\/blog-newsletter\">free weekly newsletter here<\/a> or down below.\u00a0\u00a0<\/p>\n\n\n\n<p>For travel tips, event invites, and more, join our Community Telegram Group <a href=\"https:\/\/t.me\/youtripsquad\">@YouTripSquad<\/a>! \ud83d\udc9c<\/p>\n\n\n\n<p>Happy travels! <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#712d82\"><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/affordable-michelin-food-in-the-us\/\">Affordable Michelin Food In The US<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/los-angeles-shopping\/\">Best LA Shopping Spots To Check Out In Los Angeles<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-travel-credit-cards-in-singapore-for-overseas-spending\/\">Best Singapore Credit Card For Travel: Complete Comparison Guide<\/a><br><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p><em>*The information stated above is true as of 13 Apr 2026<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Withdraw USD worry-free \ud83c\udfe7<\/p>\n","protected":false},"author":75,"featured_media":85136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[624],"tags":[40186],"class_list":["post-85127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel","tag-atm-withdrawal"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/85127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=85127"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/85127\/revisions"}],"predecessor-version":[{"id":85137,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/85127\/revisions\/85137"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/85136"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=85127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=85127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=85127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}