Fee Calculator

Payoneer × ABA ATM
Cost Breakdown

Calculate the true cost of withdrawing cash from ABA ATMs in Cambodia using your Payoneer Mastercard debit card — including all fees spread across the year.

// Configure your withdrawals

Withdrawal amount (USD) $200
Withdrawals per year 24
ATM surcharge rate 2.0%

All-in fee per withdrawal

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incl. annual card share

Total annual fees

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across 24 withdrawals

Total cash withdrawn

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24 × $200

Effective fee rate

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of total cash accessed

You actually receive (per withdrawal)

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after all fees deducted

Fee component Per withdrawal Annual total
Payoneer flat ATM feeFixed per transaction
$3.15
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ABA ATM surcharge2% of withdrawal
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Cross-border feeEst. ~1.5% of withdrawal
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Card annual fee (spread)$29.95 ÷ withdrawals
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$29.95
Total
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Cross-border fee — The ~1.5% estimate applies when your Payoneer USD balance is used at a Cambodian ATM. Actual rate depends on your account type. Log into Payoneer → Fees to confirm your exact rate.
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Currency conversion — ABA ATMs in Cambodia primarily dispense USD. Since Payoneer cards are USD-denominated, the currency conversion fee (up to 3.5%) is excluded from this calculation.
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ABA ATM cap — ABA ATMs may have a per-transaction withdrawal limit. If your desired amount exceeds this, you may need multiple transactions, multiplying the flat fees.
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Annual card fee — The $29.95 annual card fee applies if account activity is low. High-activity Payoneer accounts may not be charged this fee.