ATM withdrawal limits don’t just vary by bank—they also depend on the type of card you’re using. Debit, credit, prepaid, and mobile wallet cards each have their own rules for how much cash you can access in a day. This guide breaks down the differences and shows where you can withdraw more when you need it.
1. Debit Card ATM Withdrawal Limits
Debit cards are linked directly to your checking or savings account. Most banks set daily ATM withdrawal limits between $300 and $1,000 for standard debit cards, though premium or relationship accounts may go higher. Limits exist to prevent fraud and manage ATM cash flow.
Examples of common debit card limits include:
- Chase – up to $3,000 per day for select accounts
- Bank of America – typically $700–$2,500 daily
- Capital One – up to $5,000 for 360 Checking
- Fifth Third Bank – around $810–$1,500 depending on account type
Compare the highest ATM withdrawal limits by bank.
2. Credit Card Cash Advance Limits
Credit cards allow cash withdrawals through a feature called a cash advance. These transactions have lower limits and higher fees than debit cards. Most banks cap cash advances at 20%–30% of your total credit line, and interest begins immediately.
- Cash advance fees typically range from 3%–5% of the amount withdrawn.
- ATMs may impose their own per-transaction caps (often $500 or less).
- Interest rates for cash advances are usually higher than purchase APRs.
Learn more about using a credit card at an ATM.
3. Prepaid and Payroll Cards
Prepaid and payroll cards—such as Netspend, Green Dot, or Wisely—have stricter limits and may charge withdrawal fees. Typical daily ATM limits range from $250 to $1,000. Some allow balance transfers to bank accounts for larger withdrawals.
Prepaid users can often increase access by setting up direct deposit or verifying identity within the card app.
4. Mobile Wallet & Digital Cards
Mobile payment apps such as Cash App, PayPal, and Venmo issue debit cards that work at many ATMs. Withdrawal limits vary by provider:
- Cash App Card – $310 per withdrawal, $1,000 per day
- Free ATMs for Cash App Users
- Venmo Debit Card – up to $400 daily
- PayPal Debit Card – $400 per day, fee-free at MoneyPass ATMs
For even more convenience, some ATMs now allow contactless withdrawals using mobile wallets like Apple Pay or Google Pay.
See how contactless ATMs work.
5. Virtual Cards and Online-Only Accounts
Virtual debit cards issued by online banks or fintech apps can be used at compatible ATMs, but many require linking to a physical card for cash access. Some digital banks, like Ally or SoFi, offer both virtual and plastic cards with unified limits.
Learn how to withdraw cash using a virtual card.
6. How to Increase ATM Limits by Card Type
Whether you use a debit, credit, or prepaid card, you can often raise your withdrawal cap temporarily or permanently:
- Request a limit increase through your bank’s mobile app.
- Upgrade to a premium or verified account tier.
- Use in-branch services for large withdrawals beyond ATM limits.
Full guide on increasing your ATM withdrawal limit.
Key Takeaway
Your ATM withdrawal limit depends not only on your bank but also on your card type. Debit and premium accounts offer the highest flexibility, prepaid cards are more restricted, and mobile wallets balance convenience with modest limits. Understanding these differences helps you choose the best mix of cards for your cash needs.