Wondering what your daily limits are? 💸 Daily limits depend on the type of payment you want to make. Click on the payment you want to make to find your daily payments below:
PIN and Online Card Transactions
- Default limit: €1,000 per day
- Maximum limit: €50,000 per day
You can set this per card or choose to apply the same limit to all of your cards.
Cash Withdrawals
Persons
- Account verified less than 3 months ago: €250 per calendar day, per person
- Account verified longer than 3 months ago: €500 per calendar day, per person
Companies
- Default limit: €500, per card per day
- Maximum limit: €500, per card per day
Keep in mind that:
- the ATM may charge its own transaction fee or have its own limit (e.g. some ATMs in the Netherlands don't let you withdraw more than €250/300 per day).
- The above limits are the maximum technically possible. We can't manually set a higher daily limit.
Withdraw & Deposit feature:
- Deposits: the minimum is €50 and the maximum is €999,99 per 24h
- Withdrawals: the minimum is €1 and the maximum is €200 per calendar day
Contactless Payments
These aren't daily limits. If you reach either limit at any time, you'll need to enter your pin and the limit will reset. You have a €100 cumulative contactless payments limit. This means means that:
- Each contactless payment needs to be lower than €25 in order to be able to pay without PIN
- You can make multiple contactless payments (all individually lower than €25) up to €100 without ever entering your PIN
- If you make a contactless payment higher than €25, you'll be asked for a PIN
- When you make several contactless payments one after the other, and the total amount is higher than €100, a PIN will be needed
- To always pay without a PIN, we suggest you use Apple Pay / Google Pay
📌 With the recent developments of COVID-19, we’re stepping up our game to make sure you can keep on banking safely! For this reason, we decided to make your card payments even safer by increasing single contactless payment limits! Read more about it here.
Local Currencies limits
You can check all of your daily limits with your Local Currencies account here 🙌
Incoming iDEAL Payments
- €10,000 per top-up
- €10,000 per payment request
Outgoing iDEAL Payments
Personal:
Business:
- €50,000 per transaction
- €100,000 total per day
Incoming SOFORT Payments
Personal:
Business:
Outgoing SOFORT Payments
Personal:
Business:
- €50,000 per transaction
- €100,000 total per day
Incoming payment via bunq.me
- iDeal payments: €2000 per day.
- SOFORT payments: €250 total per day.
- Bancontact: €1000 per transaction.
- Debit/ credit card payments: from €10 to €500 per transaction. More info here.
Outgoing Transfers (per IBAN)
Personal:
- Default limit: €1,000 total per day
- Maximum limit: €50,000 total per day
Business:
- Default limit: €1,000 total per day
- Maximum limit: €50,000 per transaction
Outgoing Transfers (per user)
Business:
- Maximum limit: €1,000,000 total per day
Incoming Transfers
No limit!
Good to know about card payment limits
• Card limits only apply to card payments 💳
• Sub-account limits only apply to non card-transactions (e.g. a payment to another bunq user, or paying with iDEAL at a webshop)
• When performing a contactless payment but a pin is required, the limit of €100 for chip applies.
• When performing a chip payment, the limit for chip is used but the calculation of money spend today doesn't take the contactless + pin into account.
• Important for Incoming payments:
Limits
To keep local currencies safe and available at all times, incoming transactions over £90.000,00 can't be processed and are returned sender.
Bounce fees
For an incoming payment that’s bounced, transaction costs apply. These cost are deducted from the payment upon return
Daily limits FAQs
Q: How is the language of the terminals determined?
A: It depends on the language of the card. The language of the card is based on the language of the phone. The language is set automatically as the phone language at the point of ordering the card. Currently, you can't change the language of the card, meaning that all of your terminals will be triggered in the same language. The only way to fix this is to order a new / replacement card with the preferred language set.
Q: I have a personal account and have to send 250.000 EUR, what now?
A: The limit of 50k is per IBAN. At bunq you can have up to 25 different IBANs (for Easy Money + Easy Green). Thus, you can simply create a few sub-accounts and make 50k transfer from each of them. ✅
Do you want to learn more about changing your daily limits?
Find out how to change your daily card limit in the following link, here
To change your daily bank account limit, click here
Payments done with Apple or Google Pay
When using Apple Pay or Google Pay, their security limits will be applied.
Do you want to know more about the bunq app?
Discover more knowledge, here.
