You can take out up to £800 a day with a Lloyds debit card, and that one allowance covers both cash machines and cashback at a till. There is no limit on cash withdrawals over the counter in a Lloyds branch. Lloyds says the limits may vary if you have an Under 19s, Lloyds Premier or Private Bank account.
This page is part of our guide to Lloyds Bank. It covers how the daily cash limit works, how to get a larger sum, why a withdrawal can be refused and what changes when you’re abroad.
How the Lloyds daily cash limit works
Lloyds’ payment limits table puts cash machines and cashback on one line: “up to £800” between them, per day. That matters if you use both. Cashback at a supermarket (Lloyds says up to £100 at most supermarkets) comes out of the same allowance as your cash machine withdrawals, so it doesn’t give you extra cash on a day you’ve already used the limit.
Worked example. You take £100 cashback at the supermarket in the morning. That leaves £700 of the day’s allowance for cash machines. If you try to withdraw the full £800 later that day, the machine will decline it.
Three other points about the limit:
- A single machine can give you less. Lloyds notes that other lenders and cash machine operators can set their own limits, so one withdrawal at a particular machine may be capped even when your Lloyds allowance has room.
- It’s separate from what you can send by bank transfer. Payments to other accounts have their own daily limits, covered on our Lloyds transfer limit page.
- Contactless is a per-payment limit, not a cash one. Lloyds lets you pay up to £100 by contactless without a PIN, and you can set your own contactless limit in the app under Manage Card, then “Card freezes and limits”.
Accounts where the limit may differ
Lloyds says that if you have an Under 19s, Lloyds Premier or Private Bank account, “your limits may vary”. It doesn’t publish the figures for those accounts on its payment limits page, so check the limit shown for your own card in the Lloyds app, or ask Lloyds (the numbers are on our Lloyds customer service page).
How to get more cash in one day
The route Lloyds gives is a branch counter: its limits table says “In a branch: no limits” for cash withdrawals. If you need a large amount, it’s sensible to check with the branch before you go.
Lloyds’ help pages explain how to change your Faster Payments limit in the app, but they don’t describe a way to raise the £800 cash machine limit, so don’t count on being able to lift it on the day. If the cash is for paying someone (a car from a private seller, say), a bank transfer avoids carrying it; the daily amounts are on the transfer limit page.
Why a Lloyds cash withdrawal can be declined
Lloyds’ own list of reasons a card is declined includes:
- You’ve reached the daily limit. Lloyds’ guide names the £800 daily Cashpoint withdrawal limit as a common cause.
- A card freeze is switched on. The Lloyds app lets you freeze different kinds of transaction. “Freeze abroad” stops payments outside the UK in person and at cash machines, so a freeze you set for security will also block you at a cash machine on holiday. Changes to freezes take effect straight away (except switching gambling back on, which takes 48 hours).
- Not enough available money. Lloyds reminds you to count pending transactions, which reduce what you can withdraw.
- Wrong PIN. You can view your PIN in the Lloyds app.
- The machine’s own limit. Other banks and cash machine operators can set their own limits.
If your card has been lost or stolen: Report a lost or stolen card in the app or online banking, or call Lloyds on 0800 096 9779 (+44 1702 278 270 from outside the UK), 24 hours a day; a cancelled card can't be reinstated, so if you've only misplaced it, freeze it instead. Our Lloyds customer service page has the full steps.
Taking cash out abroad
Lloyds says it doesn’t set any additional limit on how much cash you can withdraw each day when you’re abroad, though the machine’s operator may set its own and may charge its own fee. What Lloyds charges depends on your account: Club, Silver, Gold, Platinum, Premier, Student and Graduate debit cards have no Lloyds fees abroad, while Classic and Basic cards pay a 2.99% foreign currency transaction fee plus, except for euros within the EEA or UK, a £1.50 foreign currency cash fee. Classic and Basic customers can avoid those Lloyds fees with Travel Smart: Travel Smart costs £7 a week and removes Lloyds' debit card fees abroad for the weeks you choose, up to 6 weeks a year. The full table, with worked examples, is in our Lloyds fees guide.
Lloyds also advises choosing the local currency when a machine offers to charge you in pounds, because the machine’s own conversion is often more expensive.
Cash on a Lloyds credit card
The daily limit above is for debit cards. Using a Lloyds credit card at a cash machine is a cash advance: Lloyds lists a 5% cash fee, which also applies to withdrawals in pounds, and says interest is charged differently on cash than on purchases. On £200 that fee alone is £10.00, before interest, so check your card’s terms first.