When withdrawing money from an ATM in the UAE, a Mamo fee of AED 5 applies for Growth plan users, while withdrawals for Premium plan users are free.

For withdrawals from ATMs outside the UAE, there’s a Mamo fee of AED 20 per transaction for all customers.

Note that, while Mamo charges the above mentioned fixed fees, the ATM operator or banks might also impose their own fee. These charges are outside of our control.

The limits on ATM withdrawal amounts on each card are as follows:

You can withdraw up to 8 times daily on each card. It’s important to note that you can only withdraw the balance on your Mamo Card and not directly from your Mamo account balance. So please ensure your Mamo Card is sufficiently funded before attempting to withdraw any funds.

If your card gets stuck in an ATM, it is important to deactivate it immediately from the cards section of your dashboard. Once deactivated, you can proceed to create a new card from the same dashboard.

An ATM may retain a card due to factors outside of Mamo’s control, such as hardware failures in the bank's ATM. If you would like to know why your card was held, we recommend reaching out to the ATM provider for more details.

Occasionally, an ATM may not dispense cash even though the funds appear deducted from your Mamo account. This is typically caused by an issue with the ATM or its operator, not your Mamo card.

We recommend contacting the bank or company that operates the ATM, as they are the only party that can check the machine’s cash counts, error logs, and security records, and confirm whether cash was released.

If it’s confirmed that no cash was dispensed, the funds are usually returned automatically within a few business days. If the funds haven’t returned to your Mamo balance after this time, please let us know.

When reporting this to Mamo, please share the following so we can monitor the transaction and step in if needed:

These situations are usually resolved automatically, but if not, Mamo will support you through the next steps.