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

Limits vary. See Sending an External Account Transfer.


  • 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! This account is for your personal use only

An increasing number of customers are being targeted by fraud scams. Before you apply, review these guidelines to help prevent you from being involved in fraudulent activity.

Do not open an account on behalf of someone else
If anyone asks you to open a Simple Account to receive funds, it is an attempt at fraud. Common fraud attempts include requesting that you open an account to receive a gift or bonus offer, obtain a job or job training, or help someone else receive funds (such as unemployment benefits).

Do not share your login or account information with anyone
Neither Simple nor any other legitimate institution will ever ask for your account information. If any third party requests your Simple Account login information, it is an attempt at fraud. Sharing your account information with another person or allowing someone else to use your account to receive funds is a violation of the Simple Deposit Account Agreement terms and conditions and can expose you to fraud.

Actions we may take if fraud is suspected

We take fraud and security very seriously at Simple, and take rapid action in the instance of suspected fraud attempts.

We may freeze and close accounts
We may freeze and close accounts if fraudulent activity is suspected, including the following circumstances:

  • an attempt to receive funds addressed to anyone other than the account holder (e.g., someone tries to deposit funds into your account that are intended for someone else)
  • a customer shares their login information with another person (e.g., you give your password to someone else so they can use your account)

We will report fraud attempts
We are responsible for reporting fraud attempts to authorities, including attempted unemployment fraud. 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.

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