# 🏧 Using ATMs with Neo: Quick Guide

**URL:** <https://neofinancial.discourse.group/t/using-atms-with-neo-quick-guide/2197>\
**Category:** Community Support\
**Tags:** tips-and-tricks\
**Created:** [June 12, 2025, 11:36pm UTC](https://neofinancial.discourse.group/t/using-atms-with-neo-quick-guide/2197 "2025-06-12T23:36:14Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![Alex-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/alex-neo/32/574_2.png) [@Alex-Neo](https://neofinancial.discourse.group/u/Alex-Neo)\
**Post date:** [June 12, 2025, 11:36pm UTC](https://neofinancial.discourse.group/t/using-atms-with-neo-quick-guide/2197/1 "2025-06-12T23:36:14Z")

</div>

Hi Neo community! 👋

**You’ve got ATM questions - we’ve got answers.**

Yes, you can use your Neo cards to get cash from virtually any ATM around the world! As long as the ATM accepts Mastercard, **you can access your money using either your Neo Money™ card for withdrawals or your Neo credit card for a cash advance.**

**What ways does Neo offer to access cash at ATMs?** Neo offers two main ways to access cash at almost any ATMs - domestic or abroad:

🔹 **Neo Money™ Card Withdrawals:** It works just like a debit card - you can use your Neo Money™ card to withdraw cash straight from your Neo Everyday account.  
🔹 **Credit Card Cash Advances:** Using your Neo, Hudson’s Bay, or Cathay Pacific Mastercard to take out a cash loan.

**What’s the difference between cash withdrawal and cash advance?**

🔹Cash withdrawals allow you to use your Neo Money™ card at any ATM where Mastercard is accepted. **There is no interest charged** on these withdrawals as you are accessing your own funds from your Everyday account.

- **Neo won’t charge you any fees for ATM withdrawals on the Neo Money™️ card** whether you’re at home or abroad! Just keep in mind, **many ATM operators have their own fees that they may charge.**
- **Note: we are exploring future improvements on this front as well.**

🔹Cash advances allow you to use your Neo, Hudson’s Bay, or Cathay credit cards to withdraw funds at an ATM, providing a short-term loan. Unlike withdrawals from a Neo Everyday account where you are using your own money, **cash advances are a loan that must be repaid.**

- With your Neo, Hudson’s Bay, or Cathay credit cards **each cash advance at ATMs costs $2.50 in Canada, or $5.00 when you’re abroad.**

**Need more info?** Check out these handy articles from our help center:

[Cash withdrawals from your Neo Money card](https://support.neofinancial.com/hc/en-ca/articles/21550216021901-Cash-withdrawals-from-your-Neo-Money-card)  
[Cash advances on your credit card article](https://support.neofinancial.com/hc/en-ca/articles/18195645001101-Cash-advances-on-your-credit-card)

Hope that clears things up! If you’re still unsure about anything, just give us a shout - we’re happy to help.