Chase UK’s daily ATM withdrawal limit is £500 per day in the UK. This is a standard limit common to most app-only banks, and can be temporarily increased to £1,000 via the app if you need more cash on a given day.
Chase does not charge any fees for UK ATM withdrawals. Foreign ATM withdrawals are free up to £500 per month, after which a 1.5% fee applies. This page is part of the Chase UK complete guide, which covers all Chase accounts, fees, limits, and features.
Chase UK ATM limits at a glance
| Limit type | Amount |
|---|---|
| Daily ATM withdrawal limit (UK) | £500 |
| Maximum daily limit (temporary increase) | £1,000 |
| Foreign ATM free allowance (per month) | £500 |
| Foreign ATM fee above allowance | 1.5% |
| UK ATM fee (Chase) | £0 |
How the daily limit works
Chase resets your ATM limit at midnight each day. So if you withdraw £500 on Monday, you can withdraw another £500 from Tuesday morning onwards.
The limit applies to the total cash withdrawn across all ATMs in a single calendar day — not per transaction or per ATM visit. If you withdraw £300 in the morning and try to withdraw £250 in the afternoon, the second transaction will be declined or reduced to £200.
Temporarily increasing your limit
If you need more than £500 in a single day — for example, when making a large cash payment — you can temporarily raise your limit:
- Open the Chase app
- Go to Card settings (or Manage card)
- Select ATM limit
- Raise to £1,000 for a 24-hour period
This is a temporary change only. You cannot permanently set your limit above £500. You can, however, permanently lower your limit — useful if you want extra security against card theft or loss.
UK ATM fees
Chase does not charge any fees for UK ATM withdrawals. This applies at all UK ATMs — whether you use a standard free-to-use machine or a fee-charging machine in a shop or petrol station.
Important: Some ATM operators — particularly those in convenience stores or petrol stations — charge an access fee, typically £1.50–£2.00 per withdrawal. This is charged by the ATM operator, not Chase, and cannot be waived. Always check the ATM screen before confirming a withdrawal.
Free-to-use ATMs are widely available across the UK. The Link network operates the main free ATM network — you can find your nearest free machine at link.co.uk. For a full breakdown of what Chase does and does not charge, see Chase UK Fees 2026.
Foreign ATM withdrawals
Chase UK is one of the better accounts for travelling abroad due to its fee-free foreign spending policy. For cash withdrawals at foreign ATMs:
| Usage | Fee |
|---|---|
| First £500 per calendar month | Free |
| Above £500 in the same month | 1.5% |
The £500 monthly allowance resets at the start of each calendar month. If you travel frequently or need large amounts of cash abroad, plan your withdrawals accordingly.
Worked example: You are in Spain for two weeks in August. You withdraw £200 on 3rd August and another £400 on 12th August. Your total for August is £600. The first £500 is free — you pay 1.5% on the remaining £100, which is £1.50.
Note: The local ATM may also apply its own currency conversion or access fee. Always choose to pay in the local currency (euros, dollars, etc.) to get the best exchange rate — selecting GBP conversion at a foreign ATM applies a poor exchange rate set by the ATM operator. For a full picture of how Chase handles foreign spending — including card purchases abroad — see Chase UK Travel Spending 2026.
How Chase compares on ATM limits
| Bank | UK daily limit | Foreign ATM fee |
|---|---|---|
| Chase UK | £500 (up to £1,000 temporarily) | Free up to £500/month; 1.5% after |
| Monzo (standard) | £250 (up to £3,000 with increase) | Free up to £200/month in EEA; 3% after |
| Starling | £300 per day | Free (no limit) |
| Barclays | £300 (up to £500 with increase) | 2.99% + £1.50 per withdrawal |
| Nationwide | £500 | 2.99% |
Chase compares favourably — particularly for foreign ATM use, where its free monthly allowance of £500 is generous compared to most standard bank accounts. Starling offers unlimited free foreign ATM withdrawals, which edges Chase for very heavy cash users abroad, but Chase’s UK and everyday proposition is broader.
Tips for getting the most from Chase ATM use
- Plan ahead for large cash needs — if you need more than £500, increase your limit via the app the night before, not on the day
- Use free ATMs — avoid convenience store ATMs that charge an operator fee; the Link locator finds free machines nearby
- Abroad: spread withdrawals across months — if a trip crosses two calendar months, you get a fresh £500 allowance in the second month
- Abroad: decline dynamic currency conversion — always choose to pay in the local currency, not GBP, at any foreign ATM or card terminal