Traveling abroad? One of the most important things to plan for is how much cash you can access while overseas. International ATM withdrawal limits vary depending on your bank, card network, and even the ATM machine itself. This 2025 guide explains what to expect when using ATMs abroad, how limits are enforced, and ways to access more cash safely while traveling.
How International ATM Withdrawal Limits Work
Your bank sets a daily withdrawal cap, but international ATMs may also impose their own machine limits. This means you may be restricted by the lower of the two. For example, your bank might allow $1,000 daily, but the foreign ATM may only dispense $200 per transaction.
To see how domestic institutions compare, review our guide to ATM withdrawal limits by bank.
Typical International Withdrawal Limits
- U.S. banks abroad: Most U.S.-issued debit cards keep the same daily limit overseas, often $300–$1,000.
- Foreign ATMs: Many overseas machines restrict single withdrawals to $100–$300, even if your bank allows more.
- Premium accounts: High-tier cards may permit $2,000+ per day, though availability depends on local machines.
- Network differences: Visa, Mastercard, and Cirrus/Maestro ATMs may each have unique cash caps.
Factors That Can Lower Your Limit Abroad
- Currency conversion: Banks often convert withdrawal limits into local currency, which can cause slight variations.
- Fraud prevention: If your bank detects unusual international activity, it may temporarily lower your limit.
- Local regulations: Some countries legally cap ATM withdrawals to prevent money laundering.
- Machine availability: Smaller or rural ATMs often have stricter per-transaction caps.
How to Access More Cash Abroad
- Request a temporary increase: Call your bank before traveling to boost your daily limit. See our guide on how to increase ATM withdrawal limits.
- Use multiple cards: Bringing more than one debit card spreads your access across accounts.
- Plan multiple withdrawals: If the machine limits you to $200, withdraw multiple times if your bank allows.
- Visit larger bank ATMs: ATMs in airports or major banks often allow higher per-transaction amounts.
- Consider in-branch withdrawals: Large foreign banks may allow higher over-the-counter cash withdrawals with your passport and card.
Fees to Watch Out For
Even if you can withdraw large amounts abroad, fees can quickly add up. You may face:
- Foreign ATM fees: Charged by the overseas machine operator.
- International transaction fees: Often 1–3% of the amount withdrawn.
- Out-of-network surcharges: Your bank may add a flat fee for using a non-partner ATM abroad.
To reduce charges, see our guide on how to avoid international ATM fees when traveling.
FAQs
Do international ATMs have lower withdrawal limits?
Yes. Many foreign ATMs cap withdrawals between $100 and $300 per transaction, regardless of your bank’s higher daily limit.
Will my U.S. daily withdrawal limit apply overseas?
Usually, yes — but you’re also restricted by the local ATM’s per-transaction maximum.
Can I raise my international ATM limit before traveling?
Yes. Most banks allow you to request a temporary limit increase before your trip.
Are there country-specific rules on ATM withdrawals?
Some countries cap ATM withdrawals to control cash flow. Always check travel forums or your bank’s website for destination-specific details.