How much is the maximum amount you can withdraw from an ATM? Analysis of hot topics across the Internet
Recently, the topic of ATM withdrawal limits has sparked heated discussions on social media and forums. Many users have questions about the single and single-day withdrawal limit of ATM machines, especially when large amounts of funds are needed. This article will combine the hot discussions on the Internet in the past 10 days to provide you with a detailed analysis of ATM withdrawal rules and provide structured data comparison.
1. Basic rules for ATM withdrawal limits

The ATM withdrawal limit is usually determined jointly by the card-issuing bank and the bank to which the ATM belongs. The following is a comparison of ATM withdrawal limits of mainstream domestic banks:
| Bank name | Single withdrawal limit (yuan) | Single-day withdrawal limit (yuan) |
|---|---|---|
| Industrial and Commercial Bank of China | 2500 | 20000 |
| China Construction Bank | 3000 | 20000 |
| Agricultural Bank of China | 3000 | 20000 |
| Bank of China | 2500 | 20000 |
| China Merchants Bank | 3000 | 20000 |
2. Factors affecting ATM withdrawal limits
1.Bank card type: Some high-end debit cards or VIP cards may have higher withdrawal limits. Please consult the card-issuing bank for details.
2.ATM machine type: Some banks’ self-service deposit and withdrawal machines may support higher single withdrawal amounts.
3.Regional restrictions: In some regions, withdrawal limits may be temporarily adjusted due to risk management and control needs.
3. Answers to users’ high-frequency questions
Q1: Why is the single withdrawal limit of ATM machines low?
A: Mainly for security reasons to prevent the risk of large amounts of cash being stolen or scammed. At the same time, the cash box capacity of ATM machines is limited, and frequent addition of banknotes will increase operation and maintenance costs.
Q2: How to exceed the single-day withdrawal limit?
A: It can be done in the following ways:
4. Comparison of International ATM Withdrawal Limits
Overseas withdrawal limits vary greatly. The following are the ATM withdrawal standards in some countries:
| Country/Region | Single withdrawal limit (USD) | Remarks |
|---|---|---|
| USA | 500-1000 | Some ATM machines support higher limits |
| Japan | 1000 | 7-11 convenience store ATMs are commonly used |
| European Union | 600-800 | Some banks charge fees |
5. Expert advice
1. For large-amount cash withdrawals, it is recommended to contact the bank counter to make an appointment one day in advance to avoid delays; 2. When withdrawing money overseas, please pay attention to the exchange rate and handling fees, and give priority to cooperative banks with no handling fees; 3. Be wary of abnormal modifications of ATM machines, and be sure to cover the password when withdrawing money.
Through the detailed analysis in this article, I believe you will have a clearer understanding of ATM withdrawal limits. If you need special policies of a specific bank, it is recommended to call the customer service hotline directly for consultation.
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