If you use an MPChat physical card to withdraw cash at an ATM in a supported country or region, the applicable fees and exchange rates are as follows:
Withdrawal Fee: A fee of 2% is charged on each withdrawal amount, with a minimum of 1 USD per transaction. (For example, if you withdraw local currency equivalent to 10 USD, 2% would amount to less than 1 USD, so the system will charge the minimum fee of 1 USD.)
Withdrawal Exchange Rate: For cross-currency conversions during withdrawals, transactions are settled based on the real-time Reuters exchange rate, which is publicly transparent.
⚠️ Important Official Notice on Cash Withdrawals: Due to compliance restrictions, ATM cash withdrawals with this physical card are strictly prohibited in mainland China and Singapore. Please do not attempt to insert your card and withdraw cash in these restricted regions, as it may result in declined transactions or the card being frozen due to risk control.