Debit Card Spending and ATM Limits in Ireland

Most of the banks and card providers in Ireland set daily limits on how much can be spent on debit cards. There are also daily ATM cash withdrawal limits on most debit cards.

Debit Card Daily Spending Limits

  • EBS: €2,000 ;
  • PTSB: €2,500 ;
  • KBC: €2,500 ;
  • N26: €5000 ;
  • Revolut max of £5,000 in a 96 hour period.
  • Monese €7000
  • AIB: €7,100 ( €5,000 max per transaction) .
  • Bank of Ireland : No Limit
  • Bunq  €50,000

    Of course – with all these debit cards , you will not be able to spend more than the balance on your account

How Much Can You Withdraw From an ATM ?

The use of cash has declined in the past few months because of the Covid-19 crisis – but if you do need a large amount of cash this is how much your bank will let you take out on the same day.

ATM Daily Cash Withdrawal Limits

These are the daily ATM withdrawal limits for the various bank cards in Ireland. (Lowest First)

  • Bunq €500
  • EBS  €600
  • AIB  €600
  • KBC  €700
  • Bank of Ireland  €700
  • PTSB €700
  • Ulster  €750
  • N26  €2500 (can be lowered if requested)
  • Revolut  £3000 (about €3300)
    • WARNING – there is a 2% fee with the Revolut free account once you withdraw €200 each month.

Some banks might allow you to temporarily increase the daily withdrawal amount. For example, BOI can increase it to €1300 on request.

ATM Limits at Banks

Most Irish Bank ATMs will have a transaction limit of €700 – regardless of your actual card limit. If you need to take out more than this you will need to make more than one transaction. Some Irish ATMs inside bank branches will have higher limits – sometimes up to €2000 .

The average ATM cash withdrawal amount in Ireland increased during the lockdown. This was combined with a lower number of transactions at ATMs, suggesting that people were concentrating their cash withdrawals into a small number of ATM visits.

The average ATM cash withdrawal increased from €137 in the first week of March 2020 to around €178 by the first week of April 2020 . In the previous twelve months, the average withdrawal was around €133 per transaction.

More useful information here on Current Bank Account Charges in Ireland and how to reduce or avoid them.

More information about Revolut and N26 here

Find out more about the bunq travel card

Useful information about using your debit card for spending outside Ireland

Information about contactless payments.

All figures checked April 2021