Withdrawing Cash Overseas With amaze: Fees, Limits, and How To Do It 

“amaze charges a 2% fee on overseas ATM withdrawals, on top of any fee the ATM owner charges directly. Daily withdrawal limit is SGD 1,000. Choosing the local currency at the ATM (rather than your home currency) avoids an additional dynamic currency conversion markup. Withdrawals draw from amaze Wallet specifically — pair this with Auto Top-up so your balance never runs dry mid-trip.“

Cash still matters abroad. Some taxi drivers and market stalls simply don’t take cards. Here’s exactly what it costs to withdraw cash with amaze, and how to avoid the fees that catch people off guard. 

At a glance 

• amaze’s own fee: 2% of the withdrawal amount 

• Also watch for: the ATM owner’s own fee, and a dynamic currency conversion charge if you don’t select local currency 

• Daily limit: SGD 1,000 

• Compatible ATMs: any displaying the Mastercard, Maestro, or Cirrus logo 

• Funding source: withdrawals draw from amaze Wallet only — amaze Link can’t fund a cash withdrawal 

Make sure your amaze wallet is funded first 

Overseas ATM withdrawals draw Overseas ATM withdrawals draw from your amaze wallet balance specifically — a linked Mastercard through amaze Link can’t fund a cash withdrawal, since Link routes card spend rather than holding a balance. Top up the wallet and turn on overseas transactions and overseas ATM withdrawal in the app before you travel, not once you’re standing at the machine. If you’d rather not think about topping up manually, Auto Top-up keeps the wallet funded automatically so you’re not caught short mid-trip. 
 
[See how amaze Wallet and Auto Top-up work] 

The three fees to know about 

The ATM owner’s fee is set by whoever operates that specific machine and is usually displayed on-screen before you confirm the withdrawal. The dynamic currency conversion fee only applies if you withdraw in your home currency instead of the local one; always select local currency (e.g. Ringgit in Malaysia, not SGD) to avoid it. amaze’s own fee is a flat 2% of the amount withdrawn. 

Daily limits 

You can withdraw up to SGD 1,000 per day with your amaze card, subject to the standard terms and conditions. 

Finding a compatible ATM 

Use the Mastercard ATM locator, enter your location, and it’ll show nearby machines that accept Mastercard, Maestro, or Cirrus cards, the same network amaze runs on. 

Bottom line 

Overseas ATM withdrawals with amaze are straightforward once you know the three fee sources: the ATM owner’s fee, amaze’s 2%, and the avoidable dynamic-conversion charge. Always choose local currency at the machine, keep the SGD 1,000 daily limit in mind, and set up Auto Top-up before you fly so funding your wallet isn’t something you have to think about mid-trip. For the full picture of what’s changed across amaze — including amaze Link, amaze Wallet, and the new rewards system — see [Meet the New amaze]. 

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