What is Santander Bank's daily ATM withdrawal limit?

Santander Bank's standard daily ATM withdrawal limit is $500 for Simply Right Checking. The limit resets at midnight each calendar day. For larger cash needs, call Santander customer service at 1-877-768-2265 to request a temporary increase.

What is Santander's daily debit card purchase limit?

Santander's daily debit card purchase limit is typically $2,500–$5,000 for Simply Right Checking. This limit is separate from the ATM cash withdrawal limit. Both limits reset at midnight Eastern Time.

Does Santander reimburse non-network ATM fees?

No. Santander does not reimburse non-network ATM fees on personal checking accounts. Santander charges $3 per withdrawal at non-Santander ATMs. To avoid fees, use Santander ATMs or ATMs in Santander's partner network.

How do I find a Santander ATM?

Use the Santander Bank ATM locator at santanderbank.com or in the mobile app. Santander has approximately 2,000 ATMs in its own and partner network across the Northeast. Always confirm whether a partner ATM charges a surcharge — Santander does not control partner ATM fees.

Santander Bank ATM Limit 2026: Daily Withdrawal and Purchase Limits

Santander Bank’s standard daily ATM withdrawal limit is $500, with a separate daily debit card purchase limit of $2,500–$5,000. Here are the full ATM and debit limits for 2026.

Santander Daily ATM Withdrawal Limits

Account	Daily ATM withdrawal limit
Simply Right Checking	$500
Santander Basic Checking	$500

Limits reset at midnight Eastern Time each calendar day.

Santander Daily Debit Card Purchase Limits

Account	Daily purchase limit
Simply Right Checking	$2,500–$5,000
Santander Basic Checking	$2,500

Purchase limits apply to all debit card transactions: in-store, online, and contactless. ATM withdrawals and purchase transactions each have separate daily limits.

Non-Santander ATM Fees

Fee type	Amount
Santander fee for non-network ATM	$3 per withdrawal
Santander reimbursement of non-network fees	None
ATM operator surcharge	Set by ATM owner

Unlike Ally ($0 ATM fees), KeyBank (2 refunds/month on Smart Checking), or Schwab (unlimited refunds), Santander does not reimburse non-network ATM fees on any personal checking tier.

How to Find Santander ATMs

Santander has approximately 2,000 ATMs across the Northeast through its own network and partner ATMs. Use the ATM locator at santanderbank.com or in the Santander mobile app. Filter by “Santander ATM” to avoid partner ATMs that may charge a surcharge.

How to Request a Temporary ATM Limit Increase

Call Santander customer service at 1-877-768-2265
Provide your account information and reason for the increase
Specify the date range and amount needed
Temporary increases typically last 1–7 days

For large cash needs, a domestic wire transfer may be more practical than raising the ATM limit.

Santander vs Competitors: ATM Limits

Bank	Daily ATM limit	Non-network fee reimbursement
Santander	$500	None
Chase (Total Checking)	$500	None
Wells Fargo (Everyday)	$300	None
KeyBank (Smart Checking)	$500	2/month
Huntington (Asterisk-Free)	$400	None
Ally Bank	$1,000	Unlimited

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Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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