Spend Limits

Spend Limits

There are several limits on what you can spend daily and monthly. (Monthly means a rolling 30-day period.)

We're not able to increase these limits, but we can help you find alternate ways to make a purchase. Check out Making Large Purchases with Simple to find an outline of options.

Transaction Type Daily Limit International Daily Limit1
Card Transactions2 $6,000 $1,000
ATM Withdrawal $500 $500
Cash Advance3 $5,000 $1,000
Cumulative Total4 $6,000 -

1. We can temporarily increase the international daily limit to $6,000 if you notify us in advance.

2. We allow up to 30 card transactions per day.

3. Please note—all card transactions (including cash advances) contribute towards the card transactions limit.

4. The cumulative spend limit includes card transactions, ATM withdrawals, and cash advances, but does not include interbank transfers or cashier's checks.

Transfer Limits

External Accounts

  • Transfer limits vary and are based on a variety of factors. If you reach out to us we can provide you with your limit.


  • You can send a total of $2,000 in the first 30 days after your account is approved.
  • Once your account has been open 30 days or longer, you'll be able to send up to $2,000 per day, and $10,000 per month.

Deposit Limits

Photo Check Deposit

  • Your Photo Check Deposit limit can vary based on a few factors. To find out your current limit you can contact us or head to the Move Money tab in the mobile app, and tap "Deposit a check" to show your current limit.

Direct Deposit

  • There is no limit on Direct Deposit!


  • There is no limit on incoming wires.
  • We're not able to send wires, but your Simple account can receive both domestic and international wires.
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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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