If you’re using a Citibank debit or ATM card, you probably want to know your daily withdrawal limit — and whether you can raise it. Like other banks, Citibank imposes daily caps to protect against fraud and manage cash flow. This page explains standard limits, what affects them, and how to request a higher limit when needed.
Typical Citi ATM Withdrawal Limits
Citibank’s daily ATM withdrawal limits depend on your account type, card type, and relationship with the bank. Common ranges include:
- Basic Checking / Citibank Account: ~$500 per day
- Citi Priority / Citigold: $1,000 per day or more
- Private Banking / Premium Customers: Customized limits above $1,000
Keep in mind: these limits apply per card, per day. If you have multiple debit or ATM cards, each may have its own limit.
Factors That Influence Citibank ATM Limits
- Account tier: Higher tier accounts often enjoy elevated limits.
- Customer history: Longstanding accounts with healthy balances may get higher caps.
- Card type: Some cards are limited by hardware or network rules.
- ATM network: Out-of-network ATMs might impose stricter transaction caps.
How to Increase Your Citibank ATM Withdrawal Limit
If your current limit is too restrictive, here are steps to request an increase:
- Review your current limit. Use Citi’s mobile app, online banking, or call the customer support number on the back of your card.
- Ask for a temporary increase. For travel or large purchases, Citi may approve a short-term boost for 24–72 hours.
- Request a long-term increase. Premium accounts or customers with strong history may qualify for permanent changes.
- Visit a Citi branch. Larger amounts may require in-branch withdrawal rather than ATM access.
Alternative Ways to Access More Cash
- Use cash-back at retail purchases when paying with your debit card.
- Split withdrawals across multiple cards/accounts if available.
- Request a cashier’s check or wire transfer for large amounts.
- Plan ATM stops using ATMs that offer flexible bill options.
Citibank ATM Withdrawal FAQs
What is the default daily ATM withdrawal limit at Citi?
Many standard Citi accounts start around $500 per day, though premium accounts can have higher limits.
Can I raise my Citi ATM withdrawal limit?
Yes — request a temporary or permanent limit increase via Citi’s app, by phone, or in branch.
When does the limit reset?
Citi typically resets daily ATM limits at midnight local time, though some ATMs or networks may use Eastern Time.
Do out-of-network ATMs have lower limits?
Yes, third-party ATMs may enforce stricter per-transaction limits that override your bank’s daily cap.