When using your Pana Global Card, the following fees apply for ATM operations. These fees may vary depending on the ATM operator and the country where the transaction is performed.
ATM Withdrawals
Withdrawal fee: $1.50 USD + 1% of the withdrawn amount, per transaction
Per-withdrawal limit: Up to $250 USD per transaction
Frequency limit: Maximum of 3 withdrawals within a 24-hour period
Declined ATM Transactions
Fee per failed attempt: $0.85 USD per transaction
This fee may apply if the withdrawal is declined due to insufficient funds, exceeded limits, or other ATM validation issues.
ATM Balance Inquiry
Inquiry fee: $0.85 USD per transaction
💱 Foreign Exchange Fee (Transactions in a Currency Other Than USD)
All transactions conducted in a currency other than USD are subject to a 1.6% foreign exchange fee.
This fee applies to:
Merchant purchases
ATM withdrawals
Payments processed in a foreign currency
The final exchange rate will depend on the rate applied by the corresponding payment network.
💳 Daily Card Spending Limit
The maximum daily spending limit for the Pana Card is $3,000 USD per calendar day, or its equivalent in local currency.
🚫 Prohibited and Restricted Use
Pana operates under strict regulatory and compliance standards. As a result, certain countries, activities, and types of expenses are restricted or prohibited.
👉 View the official and up-to-date Pana Prohibited List here:
🔗 https://panafinance.notion.site/Lista-de-Prohibiciones-de-Pana-2b6192022e4f804abf70e46e0bb234bb
This list includes, among others:
Countries where card issuance or usage is not permitted
Prohibited types of businesses
Restricted spending categories (e.g., cryptocurrencies, drugs, weapons, dark web, unregulated loans, etc.)
Failure to comply with these policies may result in transaction declines, temporary account restrictions, or account closure, as applicable.