Are international ATM withdrawals allowed on corporate cards?
Short answer
Some corporate cards allow international ATM withdrawals, but availability depends on the card issuer’s policies and the company’s program settings. ATM withdrawals are not permitted on Ramp cards, including those used internationally. For cash-only situations, use out‑of‑pocket reimbursement instead.
Alternatives to ATM withdrawals
Because Ramp does not allow ATM withdrawals, consider the following options for international travel:
- Use your Ramp card for purchases: Ramp cards are accepted in most countries where Visa is accepted.
- Use reimbursements: Employees may withdraw cash using a personal card and submit a reimbursement if allowed by company policy.
- Use per diem programs: Set a fixed daily allowance for meals and incidentals to minimize cash needs/
What to expect with international ATM withdrawals
If your company uses another issuer that allows ATM access, you can typically expect:
- ATM operator surcharges: International ATMs typically charge a flat fee, which are often $3–$5or more, for each withdrawal. These fees are set by the ATM owner, not the card issuer, and you cannot avoid them unless your card participates in a fee-free network.
- Withdrawal limits: Some corporate card programs restrict ATM access to certain countries or regions. Local ATM networks may also not fully support every corporate card, leading to inconsistent acceptance or declined withdrawals in certain markets.
- Geographic restrictions: Some corporate card programs restrict ATM access to certain countries or regions. Local ATM networks may also not fully support every corporate card, leading to inconsistent acceptance or declined withdrawals in certain markets.
Related questions
Most corporate cards can be used internationally, but whether foreign transactions work automatically depends on the issuer—some require you to explicitly enable international use or notify travel plans, while others allow it by default but may block transactions for fraud prevention. Ramp cards work internationally by default and do not require enabling foreign transactions in advance.
Read moreFor purchases made abroad, the card network (Visa or Mastercard) converts the foreign currency to USD using its daily exchange rate, typically based on the settlement date. A network assessment fee of about 1% may apply and issuers may add foreign transaction fees, bringing total costs to roughly 0–3.5% depending on the card.
Read moreWhen a merchant requires address verification for a transaction in another country, the verification may fail or be unavailable because Address Verification Service (AVS) support outside the U.S. is limited and inconsistent.
Read moreInternational charges post days later at a different amount because of the delay between authorization and settlement, combined with currency exchange rate fluctuations during processing.
Read more