How much can I withdraw from an ATM in Canada per day?

Daily ATM withdrawal limits at major Canadian banks typically range from $800 to $2,000. RBC, TD, and Scotiabank commonly set limits at $1,000–$1,200 for standard accounts. Premium accounts and credit unions often allow $2,000–$3,000. The limit resets at midnight each night. You can often increase your daily limit temporarily or permanently by calling your bank or adjusting it online.

Can I increase my ATM withdrawal limit?

Yes. Most major Canadian banks allow you to temporarily or permanently increase your daily ATM withdrawal limit. You can usually do this through: online banking (RBC, TD, BMO allow this in the app), calling your bank's main service line, or visiting a branch. Permanent increases may require a credit review. Temporary increases (for travel or large purchases) are typically approved same-day.

What is the ATM withdrawal fee in Canada?

Using your own bank's ATM is typically free for standard account holders. Using another bank's ATM usually costs $1.50–$3.50 from your own bank, plus a potential surcharge from the ATM operator ($2–$3.50). International ATM withdrawals cost $3–$5 from your bank plus the local ATM operator surcharge and a foreign exchange conversion fee of 2.5–3%.

Why was my ATM withdrawal declined when I had funds?

Your withdrawal may have been declined because: you exceeded your daily limit (even if you have funds), the ATM dispensing limit is lower than your withdrawal amount (some ATMs cap individual transactions), the funds are on hold (e.g., from a recent cheque deposit), or your card is flagged for a suspected security issue. If your balance is sufficient, call your bank to confirm your limit and any holds.

ATM Withdrawal Limits in Canada — All Major Banks (2026)

Daily ATM Withdrawal Limits at Major Canadian Banks

ATM withdrawal limits vary by bank, account type, and card type. Limits below are typical for standard personal chequing accounts — premium or business accounts often have higher limits.

Bank	Standard Daily ATM Limit	Premium Account Limit	Notes
RBC Royal Bank	$1,000–$1,500	Up to $3,000	Adjustable online/in-app
TD Canada Trust	$1,000–$1,200	Up to $2,500	Can increase via EasyWeb
Scotiabank	$1,000–$1,200	Up to $2,500	Adjustable in app
BMO	$800–$1,000	Up to $2,000	Can increase via online banking
CIBC	$1,000–$1,200	Up to $2,500	Adjustable in CIBC Online Banking
National Bank	$1,000–$1,500	Up to $2,500	Quebec-focused
Desjardins	$800–$1,200	Up to $2,000	Caisse network
Tangerine	$1,000	Up to $1,000	Call to increase
EQ Bank	$500	Up to $1,000	Call to increase
Simplii Financial	$1,000	Up to $1,500	Call to increase
HSBC Canada	$1,000	Up to $2,500	Acquired by RBC in 2024; being merged into RBC systems

Limits are updated periodically — verify with your bank for current amounts.

What Counts Toward Your Daily Limit?

Your daily ATM withdrawal limit typically applies to:

Cash withdrawals from ATMs
Sometimes includes teller cash withdrawals (depending on the bank)

Your daily limit does not include:

Debit card purchases (which have a separate daily purchase limit)
Interac e-Transfers (separate limits)
Wire transfers or bill payments

Some banks apply a combined “daily debit” limit that covers all transactions — confirm which applies at your bank.

How to Increase Your ATM Withdrawal Limit

Online or mobile banking

Most major banks allow temporary or permanent limit increases through their app or online portal:

RBC: RBC Online Banking → “Manage Cards” → “Change limits”
TD: EasyWeb → “My Accounts” → “Manage my ATM/POS limits”
Scotiabank: Scotia app → “Card Controls” → “Spending limits”
BMO: BMO digital banking → “My Profile” → “Manage card limits”
CIBC: CIBC online banking → “Card Services” → “Manage spending limits”

Phone

Call your bank’s main personal banking line and request a temporary increase for travel or a large cash withdrawal.

RBC: 1-800-769-2511
TD: 1-866-222-3456
Scotiabank: 1-800-472-6842
BMO: 1-877-225-5266
CIBC: 1-800-465-2422

Branch visit

For permanent limit increases above standard maximums, a branch visit may be required.

ATM Fees: Your Bank vs. Other Banks

Using your bank’s ATMs

Most major bank accounts include free ATM transactions at your own bank’s machines. Some no-fee accounts (EQ Bank, Simplii) refund ATM fees from other providers.

Using another bank’s ATM (interbank fees)

Scenario	Typical Fee
Using a Big 6 ATM (not your bank)	$1.50–$3.50 (charged by your bank) + potential ATM surcharge
Using an independent ATM (mall, gas station)	$1.50–$3.50 (your bank) + $2.00–$3.50 (ATM operator)
Using a credit union ATM	Often free via Exchange Network

International ATM withdrawals

Fee Component	Typical Charge
Bank’s international transaction fee	$3.00–$5.00 per transaction
Foreign currency conversion	2.5–3.0% of transaction
Local ATM operator surcharge	Varies by country

Using a travel-focused account (EQ Bank, Wise, Scotiabank Passport Visa) can eliminate some of these fees.

ATM Network Access in Canada

Canada’s major ATM networks:

Network	Operated By	Member Access
The Exchange Network	Credit union consortium	Free withdrawals for credit union members
THE EXCHANGE	Interac	Free at participating banks
Interac	National	Standard fee structure
Plus/Cirrus	Visa/Mastercard	International ATM access

Credit union members often have access to the Exchange Network, providing free ATM access at other credit unions across Canada — over 4,000 locations.

Bank-Specific ATM Limit Pages

For exact limits at your bank, see our bank-specific guides: