What is SoFi's ATM withdrawal limit?

SoFi's daily ATM withdrawal limit is $500 per day on the debit card. This limit resets at midnight Pacific Time. SoFi does not publish a separate per-transaction limit — the $500 daily cap is the controlling limit.

Does SoFi charge ATM fees?

SoFi does not charge fees at 55,000+ Allpoint ATMs — these are free. SoFi does not reimburse out-of-network ATM surcharges. If you use a non-Allpoint ATM, the ATM operator may charge you $2.50–$4.00 and SoFi will not credit it back.

How many ATMs does SoFi have?

SoFi participates in the Allpoint ATM network, giving members access to 55,000+ ATMs across the US and select international locations. Allpoint ATMs are located at Walgreens, CVS, Target, Costco, and other major retailers.

SoFi ATM Withdrawal Limit 2026: $500/Day, 55,000+ Free ATMs

SoFi’s ATM withdrawal limit is $500 per day. SoFi provides fee-free access to 55,000+ Allpoint ATMs — the same network used by Chime and Discover. Out-of-network ATM surcharges are not reimbursed. The daily limit resets at midnight Pacific Time.

SoFi ATM Quick Reference

Detail	Amount
Daily ATM withdrawal limit	$500
Per-transaction limit	$500 (within daily cap)
Daily limit reset	Midnight PT
Free ATM network	Allpoint (55,000+ ATMs)
Out-of-network ATM fee (SoFi)	$0
Out-of-network reimbursement	None
International ATMs	Allpoint locations only
Daily debit purchase limit	$6,000

SoFi’s Free ATM Network: 55,000+ Allpoint ATMs

SoFi members pay no ATM fee when using Allpoint network ATMs. Allpoint has 55,000+ machines located at:

Retailer	Allpoint Machines
Walgreens	✅
CVS	✅
Target	✅
Costco	✅
Dollar General	✅
Rite Aid	✅
Safeway / Albertsons	✅
7-Eleven	✅

Find your nearest Allpoint ATM: allpointnetwork.com or SoFi app → ATM Finder

Out-of-Network ATM Warning

SoFi does not reimburse out-of-network ATM surcharges. If you use an ATM outside the Allpoint network:

The ATM operator may charge $2.50–$4.00 per withdrawal
SoFi will not credit this fee back
SoFi’s own charge is $0 (the surcharge is from the ATM owner)

For regular out-of-network ATM users, Schwab (unlimited worldwide reimbursement) or Ally ($10/month reimbursement) are better alternatives.

SoFi ATM Limit vs Other Banks

Bank	Daily ATM Limit	ATM Network	OON Reimbursement
SoFi	$500	55,000+ Allpoint	None
Chime	$500	60,000+ Allpoint/MoneyPass	None
Discover	$510	60,000+ Allpoint	None
Ally	$1,000	Allpoint + others	$10/month
Schwab	~$1,000	Any ATM worldwide	Unlimited
Chase	$500–$3,000	Chase network	None

Can SoFi Raise Your ATM Limit?

SoFi’s daily ATM withdrawal limit is $500 for standard accounts. There is no published process for requesting a permanent increase. For a one-time emergency need above $500, options include:

Debit card purchase at a retailer with cash back (cash back may not count toward ATM limit)
Transfer funds to another bank account and use that bank’s ATM
Contact SoFi support at 1-855-456-7634 to request a temporary exception

SoFi fees 2026 — $0 monthly, $0 in-network ATM, no OON reimbursement
SoFi transfer limit 2026 — $50K/day ACH, $500/day Zelle
SoFi routing number 2026 — 084106768
SoFi vs Ally 2026 — ATM, rates, and fee comparison

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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy