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ATM Withdrawal Limits in Canada by Bank (2026)

Updated

Most of Canada’s large banks don’t publish one daily ATM withdrawal limit for everyone. They set it on each debit card or account and show it in online banking or the app, so two clients of the same bank can have different limits. A few institutions do publish a figure, and those are listed below. This page is part of our Canadian bank limits hub, which also covers purchase, e-Transfer and deposit limits.

Daily ATM withdrawal limits by bank

BankDaily ATM cash limitOwn or partner ATMsBank page
RBC Royal BankNot a flat published figure; set per client cardRBC ATMsRBC ATM limit
TD Canada TrustNot a flat published figure – personalized per account, viewable in the TD app2,500+ (TD Green Machine network)TD ATM limit
ScotiabankNot a flat published figure; set per account and cardScotiabank ABMsScotiabank ATM limit
BMONot a flat published figure; set per accountBMO ATMsBMO ATM limit
CIBCNot a flat published figure; set per account and profileCIBC ATMsCIBC ATM limit
National BankNot a flat published figure; set per account in online banking or the appNational Bank ATMs
Desjardins$1,000 by default, adjustable up to $2,500 in AccèsDDesjardins ATMs; ACCULINK partner ATMs capped at $300 per transaction
Tangerine$1,200; changed by phone, not online3,500+ (Scotiabank network, surcharge-free); also part of the Global ATM Alliance (~44,000 ATMs in 40+ countries)Tangerine ATM limit
EQ Bank (EQ Bank Card)$500None owned; EQ Bank Card holders get partial monthly reimbursement (up to 5 withdrawals/month, up to $5 each) for third-party ATM fees in CanadaEQ Bank Card ATM limit
Simplii FinancialNot a flat published figure; set per client2,843 (CIBC ATM network; includes free cash and cheque deposits, not just withdrawals)Simplii ATM limit

Where a bank sets the limit per card, its page explains where to see yours and how to change it. HSBC Bank Canada isn’t listed: its Canadian banking business was sold to RBC and its clients moved to RBC in March 2024.

What counts toward the daily limit

The ATM limit covers cash taken out of a machine. At some banks a teller withdrawal at a branch counts as well; others treat branch cash separately.

Other kinds of transactions have their own caps:

  • Debit purchases at a store or online fall under a separate purchase limit, compared in the debit card purchase limits guide.
  • Interac e-Transfers have per-transfer, daily and weekly sending caps, compared in the e-Transfer limits by bank.
  • Bill payments and wire transfers are not ATM transactions and don’t use up the cash limit.

A few institutions apply one combined daily limit to cash and purchases together; the bank pages note it where it applies.

Raising the limit

Each bank handles increases its own way. Some let you change the limit in the app (Scotiabank, for example), some by phone only (Tangerine says its limit can’t be changed online), and some ask for a branch visit for a permanent change. The steps are on each bank’s page in the table above, and the phone numbers are on the support pages for RBC, TD, Scotiabank, BMO, CIBC, Tangerine, EQ Bank and Simplii.

For cash beyond the limit, a teller withdrawal at a branch is the usual route, since the ATM limit applies to machines. Large amounts are often easier to move another way: a bank draft for a one-off payment, or an e-Transfer or wire.

ATM fees at another bank’s machine

Using your own bank’s ATMs is free on most accounts. At another bank’s machine, two charges can apply: your bank’s own network fee, and a surcharge from the machine’s owner, which the ATM shows before you confirm. Withdrawals outside Canada can add a larger network fee and a foreign currency conversion charge.

Each bank’s own amounts by plan are in its fees guide: RBC, TD, Scotiabank, BMO, CIBC, and for the online banks the brand pages for Tangerine, Simplii and EQ Bank.

ATM networks in Canada

A bank’s own machines are one network; shared networks connect the rest.

NetworkWhat it isWhat it gives cardholders
InteracThe national debit network that links Canadian bank and credit union cardsLets a card work at almost any ATM in Canada, usually for a network fee plus the owner’s surcharge
THE EXCHANGE NetworkA group of banks and credit unions that let each other’s cardholders use their ATMsDeposits, withdrawals, PIN changes, balance checks and transfers with no surcharge at member ATMs; partnered with Allpoint in the US
ACCULINKA shared credit union service in Alberta, Saskatchewan and ManitobaSurcharge-free ATMs for member credit union cardholders
Plus (Visa) and Cirrus (Mastercard)International card networksATM access outside Canada, at the card’s foreign fees
Global ATM AllianceScotiabank’s arrangement with partner banks abroadNo access fee at partner ATMs for Scotiabank and Tangerine cards; conversion fees still apply

The Canadian Credit Union Association puts the combined reach of ACCULINK and THE EXCHANGE at up to 4,867 surcharge-free ATMs for credit union members. A bank outside the shared networks relies on its own machines plus Interac.

Sources

The figures and rules on this page come from these sources, last checked against them on September 14, 2026. How we check facts.