Blomo’s own share of a cash withdrawal is 1% on the Netherlands, Spain and Poland cards and 2% on the United Kingdom and Indonesia cards, and the Estonia card cannot withdraw cash at all (fees, read 13 September 2026). On 200 euros that is 2 euros or 4 euros. But Blomo’s percentage is not what the withdrawal costs you, because two other parties take a share at the same machine: the operator of the ATM, which sets its own fee, and the conversion, which applies whenever the cash you are taking out is not in the card’s own currency. This page prices all three, and then answers the question underneath: whether to take cash at all.
What Blomo charges, card by card
| Card | Currency | ATM fee | Per month | Per year |
|---|---|---|---|---|
| Netherlands · Visa | EUR | 1% | 2,500 USDT | 30,000 USDT |
| Spain · Visa | EUR | 1% | 2,500 USDT | 30,000 USDT |
| Poland · Mastercard | PLN | 1% | 1,500 USDT | 18,000 USDT |
| United Kingdom · Visa | GBP | 2% | 1,500 USDT | 18,000 USDT |
| Indonesia · Mastercard | IDR | 2% | 1,000 USDT | 12,000 USDT |
| Estonia · Visa | EUR | No ATM access | — | — |
Fees and monthly ceilings from the fees page; the annual ceilings are published on the card specifications on the Blomo home page. All ceilings are denominated in USDT whatever currency the card is issued in.
Two things fall straight out of the table. The annual ceiling on every card is exactly twelve times the monthly one, so the monthly limit is the one that ever binds you — there is no card where careful spreading over a year buys you more cash. And the ceilings are per card, not per account, so a second card raises your total rather than sharing it (where the cards work).
Taking 200 euros out: the same cash, four prices
Blomo’s part only, before the machine and before conversion:
- Netherlands card, euros from a euro card. 1% — 2 euros. No conversion, because the cash and the card are in the same currency.
- Spain card, euros from a euro card. 1% — 2 euros. No conversion.
- Poland card, euros from a zloty card. 1% — 2 euros — plus conversion at the Mastercard rate of that moment.
- United Kingdom card, euros from a sterling card. 2% — 4 euros — plus conversion at the Visa rate of that moment.
- Indonesia card, euros from a rupiah card. 2% — 4 euros — plus conversion at the Mastercard rate of that moment.
- Estonia card. Not possible at any price.
Blomo puts it the same way on its own product page: taking euros out of the Indonesian card costs about twice what the same withdrawal costs on the Spanish card (virtual cards). The fee doubles and the conversion is added on top of a doubled fee.
The two costs that are not Blomo’s
The machine takes its own fee
The operator of the ATM sets its own charge, Blomo has no part in it and Blomo cannot tell you in advance what it will be. It varies by country, by operator and by machine, it is frequently a flat amount rather than a percentage, and it is disclosed on the screen before you confirm — that screen is the only reliable source for it.
A flat operator fee has one consequence worth planning around: it is the same whether you take out 50 or 300, so it hurts small withdrawals far more than large ones. Blomo’s own percentage behaves the opposite way and is identical either way. If you know you need cash twice this week, one withdrawal usually beats two.
Conversion, when the currencies differ
If the cash coming out of the machine is not in the card’s own currency, the amount is recalculated at the Visa or Mastercard rate for the moment of the transaction. Blomo has no conversion rate of its own and takes no markup on the network’s rate (virtual cards). That is a genuine saving and it is worth stating plainly, because a conversion markup is where card products usually make their quiet money.
It is also worth protecting, because the machine can take it away from you. Many ATMs offer to do the conversion themselves and show you an amount in a currency you recognise. That conversion belongs to the machine’s operator, not to Visa or Mastercard, and Blomo has no part in it and no influence over the rate used. Declining the machine’s offer and letting the charge go through in the local currency is what keeps the transaction on the network rate that Blomo does not mark up.
So it is three charges, and you control two of them
- Blomo’s ATM fee — 1% or 2%, published, identical at every machine, and fixed by which card you chose.
- The ATM operator’s fee — unknown until the screen shows it, often flat, avoidable only by choosing a different machine or withdrawing less often.
- Conversion — zero if the cash is in the card’s currency, otherwise the network rate with no Blomo markup, unless you accept the machine’s own conversion instead.
The first is settled when you pick a card. The second is settled at the machine. The third is settled by matching the card’s currency to the country you take cash in, which is the same rule that governs card payments — and one of the five questions in which Blomo card to choose.
When cash is worth it, and when the card is cheaper
If the merchant takes cards, paying by card is cheaper than withdrawing the cash to pay with — on every card in the range. The comparison is not close on most of them:
| Card | Pay 200 by card | Withdraw 200 at a machine |
|---|---|---|
| Netherlands | 0.5% — 1 unit | 1% — 2 units, plus the operator’s fee |
| Spain | 1% — 2 units | 1% — 2 units, plus the operator’s fee |
| Poland | 1% — 2 units | 1% — 2 units, plus the operator’s fee |
| United Kingdom | 1.5% — 3 units | 2% — 4 units, plus the operator’s fee |
| Indonesia | 1% — 2 units | 2% — 4 units, plus the operator’s fee |
Transaction fees from the fees page; both columns assume the payment and the card are in the same currency, so neither is converted. On the Spain and Poland cards the two percentages are equal, and the operator’s fee is then the entire difference — which still makes the card cheaper, every time.
So a withdrawal earns its cost only when cash is the actual requirement, not the route to a purchase: a market stall, a taxi that takes nothing else, a deposit somebody wants in notes, a country where the terminal is a rumour. When that is the case, the rules are short — use the card whose currency matches the cash, take out fewer and larger amounts, decline the machine’s own conversion, and check the monthly ceiling if you are withdrawing regularly.
And one situation where a withdrawal is not an option at all: the Estonia card. It has no ATM access, and that is not a limit you can raise — it is what the product is (where the cards work). If cash matters to you, that card was the wrong choice before the machine was ever involved. The same is true of Apple Pay and Google Pay on that card, covered in paying by phone with a Blomo card.
Taking the balance back to crypto instead
A cash machine is not the only way money leaves a Blomo balance. Blomo also moves a balance back out to crypto, and it is done manually: there is no withdrawal button in the app, and the request goes through Blomo support. The fee is 3% of the amount, and it is deducted from the amount rather than added on top, together with the network’s own transfer fee — ask for 500 USDT and what arrives is 500 minus 3% minus the network fee. There is no minimum withdrawal. The 3% is published on the fees page; the absence of a minimum is recorded in the Blomo fee catalogue as a decision of 13 September 2026.
Set against a cash withdrawal, that is a different tool rather than a cheaper one. Taking cash costs 1% or 2% plus the machine’s fee and gives you notes in your hand today. The manual route costs 3% plus a network fee and gives you crypto in a wallet. If what you need is money in a shop, paying by card is cheaper than either. If what you need is your balance back out of the card system entirely, cash from a machine is not the tool for it.
What Blomo has not published about the manual route is how long it takes and which assets and networks it supports. No figure for either appears on the Blomo site, so treat a timeframe you read elsewhere as invented, and ask support before planning around it.
Questions people actually ask
How much does Blomo charge for an ATM withdrawal?
1% on the Netherlands, Spain and Poland cards, and 2% on the United Kingdom and Indonesia cards. The Estonia card has no ATM access at all.
Which Blomo card cannot withdraw cash?
The Estonia card. It is an online-only product with no ATM access and no Apple Pay or Google Pay, and in exchange it has the lowest entry threshold in the range at 100 USDT.
How much cash can I take out in a month?
2,500 USDT on the Netherlands and Spain cards, 1,500 on Poland and the United Kingdom, and 1,000 on Indonesia. The annual ceilings are exactly twelve times those figures: 30,000, 18,000 and 12,000 USDT. Ceilings are per card, so a second card raises the total.
Does Blomo add a markup to the exchange rate at an ATM?
No. A withdrawal in the card’s own currency is not converted at all, and anything else is recalculated at the Visa or Mastercard rate for that moment. Blomo has no rate of its own and takes no markup on the network’s rate.
Will the ATM charge me as well?
Usually. The operator of the machine sets its own fee, Blomo has no part in it, and it is shown on the screen before you confirm. It is often a flat amount, which makes small withdrawals disproportionately expensive.
Should I accept it when the ATM offers to convert for me?
That conversion is performed by the machine’s operator at the operator’s rate, not by Visa or Mastercard, and Blomo has no influence over it. Declining it leaves the transaction on the network rate, which is the rate Blomo does not mark up.
Is it cheaper to pay by card or to withdraw cash?
Paying by card, on every Blomo card. The transaction fee is 0.5% to 1.5% depending on the card, the ATM fee is 1% or 2%, and the machine adds a fee of its own that a card payment does not have.
Can I move my Blomo balance back to crypto instead?
Yes, but not with a button: it is arranged manually through Blomo support. The fee is 3% and it is taken out of the amount along with the network’s transfer fee, so asking for 500 USDT delivers 500 minus 3% minus the network fee. There is no minimum. Blomo does not publish a timeframe or a list of assets and networks for it — ask support.
Read on
- Fees, in full — The live source for every fee and ceiling in this article.
- Where a Blomo card works — Which cards give cash, which tap in shops, and what each payment costs.
- Which Blomo card should you choose? — Matching the card’s currency to your spending, and four other questions.
- Can you pay by phone with a Blomo card? — The five cards that reach a terminal, and the one that does not.