What is Wells Fargo's ATM withdrawal limit?

Wells Fargo®¹ accounts can come with linked debit or ATM cards for easy spending and withdrawals. To keep customers and accounts safe, there are usually some Wells Fargo ATM withdrawal limits which apply on a daily basis, and which can limit the amount you’re able to get from a cash machine.

This guide walks through the Wells Fargo daily ATM limit details you should know.

What are Wells Fargo's ATM withdrawal limits?

Wells Fargo cards have limits which are in place for account security, and which can apply on dollar spend and withdrawals on a daily basis. You’ll see your Wells Fargo ATM withdrawal limit in your cardholder agreement which is given to you when you get your card².

The limit that applies can vary depending on your account type and taking into consideration account usage. Bear in mind that the daily limit includes any fees that are deducted as you make a withdrawal. We’ll look at the Wells Fargo ATM fees a bit later.

How to check your limits

So - how do I find out my daily ATM withdrawal limit with Wells Fargo?

The limits which apply to your Wells Fargo debit or ATM card will be shown in your cardholder agreement. This is sent to you when you receive your card in the first place.

If you don’t have this document any more you can also see your Wells Fargo ATM limits online or in-app by logging into your digital banking services.

Can you change or increase your Wells Fargo ATM withdrawal limit?

Yes. The easiest way to change your Wells Fargo ATM withdrawal limit is to use the Manage Debit Card Limits feature in online and mobile banking.

You’ll also be able to call the number on the back of the card and follow voice prompts to reset your card limits, or have a member of the bank’s team help you in person by calling into a branch.

Are Wells Fargo's ATM limits the same in the US and abroad?

You can see your ATM limits from Wells Fargo online or by logging into your mobile banking service. You can also check your cardholder agreement which includes all the information you need to know.

Bear in mind that the limits which apply to card use overseas are set both by Wells Fargo and the bank or ATM network you’re using. This can mean it’s more likely that you’ll run into different limits overseas due to variance in local ATM use and bank policies.

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When does the Wells Fargo ATM withdrawal limit reset?

Daily ATM withdrawal limits generally reset at midnight, or shortly after. However, the time zone you’re in and the ATM operator you’re using might make a difference to the time your limit resets.

Wells Fargo withdrawal fees and charges

If you have a Wells Fargo debit card you can usually make free ATM withdrawals by sticking to a Wells Fargo branded ATM. If there’s not an in network ATM nearby - or if you’re overseas - you’ll have to pay a fee for withdrawals and other ATM use, such as checking your balance.

The fee may vary a little bit depending on the account you hold with Wells Fargo. We’ve given the most common costs³, below, and you can also check your specific cardholder agreement for more.

Local ATM fees

Using an ATM in the US, which isn’t a Wells Fargo branded ATM will cost you 2.5 USD. This fee applies to withdrawals in the US, and the US territories of American Samoa, Guam, Northern Mariana Islands, Puerto Rico, as well as in US Minor Outlying Islands, and the US Virgin Islands.

The ATM operator might also charge their own fee, depending on the network you use. In this case you’ll usually see a message on screen before you confirm your withdrawal.

International ATM fees

International ATM fees for Wells Fargo are set at 5 USD each. In addition to this there’s a 3% foreign transaction fee which applies whenever you make a cash withdrawal in a currency other than USD.

As with local withdrawals, the ATM operator themselves might charge you another fee which is out of Wells Fargo’s control.

Being able to get your hands on cash is important - so it’s helpful to know the Wells Fargo ATM withdrawal limits which apply to your particular account.

This guide walks through the options to get the details you need for your specific account - plus you’ll always be able to walk into a Wells Fargo location or log into online banking if you need more information.