If your daily ATM limit is too low for travel, a large purchase, or an emergency, you may be able to raise it. This guide explains how withdrawal limits work, how to request a higher limit, and practical ways to access more cash when you need it.
How ATM Withdrawal Limits Work
Banks and credit unions set daily cash limits to reduce fraud, manage cash on hand, and keep networks stable. Your limit depends on your bank, account type, card network, and your account history. In general, basic accounts have lower limits, while premium or business accounts can qualify for higher limits.
For a broader view by institution, see our overview of ATM withdrawal limits by bank.
Steps to Increase Your ATM Withdrawal Limit
- Confirm your current limit. Check your mobile app, online banking, or call customer service to see your daily cap and any per-transaction cap.
- Request a temporary increase. If you are traveling or making a one-time purchase, many banks will approve a higher limit for 24–72 hours.
- Ask for a permanent change. Long-term increases may be available based on your account age, balance history, and product tier.
- Verify where it applies. Some increases only apply to in-network ATMs. Out-of-network machines can have lower machine caps.
- Document your reason. Be ready to explain why you need more cash access and for how long. Clear requests tend to get faster approvals.
What Banks Consider When You Ask
- Account age and standing. Longer, problem-free histories help.
- Deposit and balance patterns. Steady inflows can support a higher limit.
- Account type. Premium, student, or business tiers often have different default caps.
- Fraud risk. Recent disputes, travel flags, or rapid changes can limit approvals.
Alternative Ways to Access More Cash
- Visit a branch teller. Withdraw larger amounts in person with ID during business hours.
- Ask for cash back at checkout. Combine multiple small cash-back transactions if time allows.
- Use multiple accounts/cards. If you have more than one account, each card may have its own daily limit.
- Cashier’s checks or wire/ACH. For large payments, non-cash methods can be faster and safer.
- Plan ATM stops. Some ATMs dispense smaller bills and have friendlier per-transaction caps. See what ATMs let you withdraw $10 bills.
Tips to Improve Your Odds
- Call during business hours. Reps with approval authority are more available.
- Request a specific window. For travel, ask for an increase for exact dates.
- Update travel notices. If you are out of state or abroad, set a travel notice to reduce declines.
- Consider upgrading your account. Some tiers include higher default ATM limits.
Fees and Safety
Higher access to cash can also mean higher fees if you use out-of-network ATMs. Check your bank’s surcharge policies and daily caps. For large withdrawals, spread transactions across in-network machines when possible. If you are taking out an unusually large sum, consider going inside a branch for security and a paper trail.
FAQs
Can I increase my limit online? Some banks allow limit changes in the app or chat. Others require a call or branch visit.
How fast do changes take effect? Temporary increases can apply right away; permanent changes may take 1–2 business days.
Is there a fee to raise my limit? Most banks do not charge a fee to adjust limits, but normal ATM and network fees still apply.
Will large cash withdrawals trigger issues with the IRS? Cash activity has reporting rules at certain thresholds. Learn more in our guide on does the IRS flag large withdrawals.