Limits for making payments and withdrawing cash
Take a look at the differences between the daily transfer limit, your daily online limit and your card limit. You can also read the FAQs about these limits for making payments and withdrawing cash.
The different types of limits
Daily transfer limit
Your 'daily transfer limit' is the amount that you can transfer per day using the ABN AMRO app. This includes iDEAL payments and payment requests such as Tikkie.
Maximum limit
If you want to use the app to pay for a large purchase or to transfer an amount higher than your daily limit, first raise your daily limit in the ABN AMRO app.
You can raise it up to a maximum of € 250,000.
You must always enter an end date for amounts over € 2,500. After this date, your limit will automatically revert to your previous, lower limit.
The maximum limit for iDEAL payments is € 50,000.
Waiting period
It takes 4 hours for your new daily limit to come into effect. The 4-hour waiting period starts again every time you raise your daily limit.
Good to know
- You can’t set a limit that is higher than your account balance.
- If you want to transfer more than € 250,000, split the amount across several transfers.
- Transfers to your own account or a joint account don’t count.
- You can change your daily transfer limit in the ABN AMRO app.
Daily limit for online purchases with your debit card
Your 'daily online limit' is the amount you can spend when purchasing items online with your debit card. All payments made using your linked debit card and when you enter your card details manually count towards this limit.
Maximum limit
The standard daily online limit is set at € 500. This applies to Maestro and Mastercard debit cards.
If you have a Mastercard debit card, you can raise your daily online limit up to a maximum of € 10,000 per day. You'll recognise a Mastercard debit card from the red-and-yellow logo and the indention on the short side of the card.
No waiting period
Your new daily online limit will come into effect as soon as you change it. There is no waiting period.
Good to know
- You can't set a limit that is higher than your account balance.
- Make sure that you set the limit to suit your expenses and budget.
- You can change your daily online limit in the ABN AMRO app or on Internet Banking.
Limit for debit card payments and withdrawing cash
Your 'card limit' is the amount you can spend each day using your debit card. There are two parts to the limit:
- maximum amount for debit card payments (daily payment limit)
- maximum amount for cash withdrawals at an ATM (daily withdrawal limit)
Maximum limit
If you want to spend more than your card limit, you can raise this limit to a maximum of € 50,000 for debit card payments and € 10,000 for cash withdrawals using your debit card. The maximum amount if using your telephone or wearable is € 2,500.
No waiting period
Your new card limit will come into effect as soon as you change it. There is no waiting period.
Good to know
- Your card limit applies at all payment terminals and ATMs, including those in other countries.
- You can’t set a limit that is higher than your account balance.
- You can lower your card limit whenever you want.
- You sometimes pay a fee for withdrawing or depositing cash. Take a look at the fees for more information.
- You can easily change your card limit in the ABN AMRO app or on Internet Banking.
Frequently asked questions
Why do I have to wait four hours after raising my daily transfer limit?
This delay is intended to protect you from scammers. Scammers will often pressurise you into transferring money quickly. We have agreed on a 4-hour waiting period with other banks. Experience has shown that 4 hours is enough time for you to check whether you are being scammed.
Important to realise: the 4-hour waiting period starts again every time you raise your daily limit.
Why don't I need an e.dentifier when making payments and transfers in the app?
You can transfer amounts of up to € 250,000 using the ABN AMRO app by confirming the transaction with your identification code. Now that you're able to do this in the app, the e.dentifier is no longer needed. You can do more and more of your banking in the ABN AMRO app these days.
Can I still confirm transfers or payments using the e.dentifier on Internet Banking?
Yes, you can still confirm transfers and payments with an e.dentifier on Internet Banking. This is becoming less common, because you can now also pay large amounts using the ABN AMRO app.
Where can I find my daily transfer limit?
You can check and change your daily transfer limit in the ABN AMRO app. Changes to your daily limit will take effect after 4 hours.
- Open the app and log in
- Go to 'Profile' at the bottom right of your screen
- Go to 'Accounts and payments' and then select 'Daily transfer limit'
- Set your required daily limit, up to a maximum of € 250,000
What is a sensible amount for my daily transfer limit?
That's up to you. Set your daily transfer limit to match your personal situation. Choose a limit that isn't too low, so you can keep doing your day-to-day banking, but not too high, to minimise the risk of fraud.
If you raise your daily transfer limit, select an end date. After this date, your limit will automatically revert to the previous lower daily limit.
I have both a personal and a business current account with ABN AMRO. Which account does the daily transfer limit apply to?
If your business account is shown in the overview of your personal profile in the ABN AMRO app, the same daily transfer limit will apply to both your personal and business accounts.
If you want a different daily transfer limit for your business account, add a business profile in the ABN AMRO app.

Do you want different daily limits for your business and personal accounts?
If your business account is shown in the same overview as your personal account in the ABN AMRO app, you should add a separate business profile. You'll then easily be able to set different daily limits. You'll have a better overview right away and be able to keep your banking separate in one and the same app.