Travel Tips Tips

Chase ATM withdrawals: Limits, fees, and more

Alex Beaney

31.03.25

Read time 2 minutes

Just opened a Chase account and received your new debit card? You’ll need to know what you can do with it, including making cash withdrawals.

In this handy guide, we’ll give you the lowdown on Chase ATM withdrawals.

We’ll cover limits (how much you can withdraw at once or per day) along with fees for withdrawing cash in the UK and overseas. Plus, info on what exchange rate will be used when you use an overseas ATM with your Chase card.

We’ll even show you an alternative option - the Wise card, which lets you withdraw up to £200 a month fee-free all over the world. You’ll just need to watch out for ATM operator fees.

But more on this later. For now, let’s focus on ATM withdrawals with the Chase card.

Learn more about the Wise card 💳

Chase ATM withdrawal limits

Like with many providers, Chase does have some limits on how much cash you can take out with its debit cards.

Personal customers can withdraw a maximum of £500 a day with a Chase card.¹ This limit applies whether you’re in the UK or using an ATM in another country.

But if you’re travelling or on holiday, there’s a monthly ATM withdrawal limit you need to know about. According to Chase, you’ll only be able to withdraw a maximum of £1,500 a month from overseas ATMs.¹

So, you’ll need to factor this in if you’re going on a long trip and may need access to more cash than this. It could be worth changing currency before you travel, or taking an alternative payment method with you - such as another card.

Fees for Chase ATM withdrawals - in the UK and overseas

Now for the all-important question - does Chase charge any fees for taking out cash with its cards?

The great news is that it doesn’t. There are no fees for withdrawing cash at an ATM using a Chase card in the UK.¹

You can even withdraw cash overseas without any fees from Chase, although bear in mind that some ATM operators may have their own charges.

If you’re travelling in the US, you’ll be able to use Chase’s ATMs without any operator or transaction fees.¹

Chase exchange rates on overseas ATM withdrawals

As well as checking whether there are fees for overseas cash withdrawals, you’ll also need to know what exchange rate will be used to convert currency. For example, for converting GBP to EUR if you’re withdrawing cash from an ATM in France or another euro-using country.

Chase uses the Mastercard exchange rate for overseas transactions on its cards.¹ You can check this at any time here on the Mastercard website.

If prompted at the ATM, you should always choose the local currency for the transaction. This will mean that the Mastercard exchange rate will be used.

If you choose for it to be carried out in your home currency (GBP) instead, then the ATM will select its own exchange rate - and this is likely to be unfavourable for you.

Spend and withdraw worldwide with the Wise card

Love to travel? The Wise card could be your perfect travel companion.

It’s a dedicated contactless travel card, letting you spend like a local in 150+ countries worldwide. It automatically converts your pounds to the local currency at the mid-market exchange rate whenever you spend.

And when you need cash, you can use it to withdraw up to £200 a month (max. 2 withdrawals) fee-free. After that, we’ll charge 0.5 GBP per withdrawal. There’s a 1.75% fee on any amount you withdraw above 200 GBP. You’ll also need to check whether the ATM operator charges its own fees.

Wise only ever charges small, transparent fees* for currency conversion, and it’s fee-free if you already have the currency in your Wise account.

And that’s it - all the essentials you need to know about Chase ATM withdrawals.

It’s great that the bank doesn’t charge any fees, even for withdrawing cash overseas. You’ll just need to keep an eye on those withdrawal limits, especially if you’re abroad for a long period of time.

Sources used:

Chase - Travel with Chase

Sources last checked on date: 13-Mar-2025

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.