ATM withdrawals

ATM withdrawals let you get cash from your Pleo card when you need it for business expenses. Availability, limits, and fees depend on your company's set-up and the ATM network.

Eligibility

ATM withdrawals may be available depending on:

• Company policy (whether cash withdrawals are allowed)
• Card permissions (whether ATM withdrawals are enabled for your card)
  • Check ATM withdrawals in your card settings
  • If you cannot see the setting, contact your admin, as only admins can change it
• ATM or network rules (some ATMs or regions may block cash withdrawals)

Limits, declined withdrawals, and fees

A withdrawal may be declined due to:

• Company limits (daily, weekly, or monthly limits)
• ATM operator limits (maximum per withdrawal)
• Insufficient available funds
• Security checks (for example, repeated attempts or unusual activity)
• PIN issues (incorrect PIN or too many failed attempts)

Fees

Depending on your company set-up and the ATM, you may be charged:

• An ATM operator fee (often shown before you confirm)
• Foreign exchange (FX) costs when withdrawing in a different currency. 
• Other fees depending on your card programme and company set-up

If you are charged a fee you do not recognise, contact your finance or admin team.

Record ATM withdrawals

Any cash withdrawals will be recorded as personal expenses (funds you owe the company). When the cash is used for company transactions, these should be reported as out-of-pocket expenses.

1. Withdraw cash and keep the ATM receipt
2. Use that cash for business purchases as needed
3. In Pleo, find the ATM withdrawal transaction (it usually shows as “ATM Withdrawal” or the ATM/bank name)
4. For each purchase made with the withdrawn cash, add it as an out-of-pocket expense 
   1. In the Pleo app, tap the + button
   2. Click out-of-pocket expense
   3. Take a picture of the receipt
   4. Add all expense details 
   5. Document what the cash was used for
5. Get reimbursed 

Handle disputes 

You can raise a dispute if:

• You were charged but received no cash
• You received the wrong amount
• The transaction is unknown or unrecognised

What to do

1. Contact the ATM operator or bank first (depending on the operator, the issue may be corrected after their investigation) with: 
   • Date and time
   • Amount and currency
   • ATM location, operator, and bank name
   • Any error message shown
   • ATM receipt (photo)
2. If the issue is not resolved, follow your company’s dispute process (or contact your finance or admin team) and provide the details above
3. If the issue is still not resolved, contact Pleo as soon as possible and include evidence that you contacted the ATM operator or bank