You are able to withdraw cash from an ATM using your physical KOHO card.

For Visa Cards:

We've partnered with Visa to have access to their global Visa Plus ATM network. Keep an eye out for the Visa Plus ATM logo.

You can withdraw cash from any Visa Plus ATM but make sure you select "credit" when asked what type of card.

For Mastercards:

Look for ATMs on the "Cirrus" network.


  • You may be charged a $2-3 out-of-network fee to use an ATM (KOHO doesn't own any ATMs for free withdrawals).

  • We do have withdrawal limits in place. You can find out your specific ATM limits here

We don't have an ATM finder in-app, but here are some great resources:
Visa ATM Finder

Mastercard ATM Finder
Google Maps

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