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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