Most prepaid cards allow ATM withdrawals. The biggest variable is fees. Typically, prepaid cards charge nothing for cash withdrawals from in-network ATMs. Out-of-network ATM withdrawals are a different story, and prepaid cards may charge several dollars per withdrawal, plus whatever the cash machine operator may charge. The challenge for a prepaid card owner is to locate a conveniently situated in-network ATM. That gives an advantage to prepaid cards that have extensive ATM networks. Our top pick for prepaid cards with no ATM fees is American Express Serve, which provides free withdrawals from the MoneyPass ATM network throughout the country. The card charges $2.50 for each withdrawal from an out-of-network ATM. The card offers many free services, including no reload fee at more than 45,000 retail locations. Prepaid cards are aimed squarely at unbanked consumers. Many millennials and Gen Z types are not big fans of banks. In 2019, the FDIC reported that 7.1 million American households were unbanked (i.e. had no bank-based checking or savings accounts). The biggest complaints were a lack of trust toward banks and fees that were perceived to be too high.