Reap Card ATM Withdrawal Limits

Updated

Overview

Reap Card supports ATM cash withdrawals at Visa-enabled ATMs worldwide. Withdrawal limits apply per card currency and reset on a rolling daily, monthly, and yearly basis. Some locations are restricted for compliance and security reasons.

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ATM withdrawal limits

To protect your account and meet financial regulations, Reap Card applies the following limits to ATM withdrawals.

Limit type

USD cards

HKD cards
Daily amount USD 3,000 HKD 25,000
Monthly amount USD 10,000 HKD 80,000
Yearly amount USD 100,000 HKD 800,000
Daily frequency 3 withdrawals 3 withdrawals
Monthly frequency 30 withdrawals 30 withdrawals
Yearly frequency No limit No limit

These limits apply automatically to all cardholders. Where your company's spend controls are stricter than Reap's global limits, the more restrictive setting always takes effect.

Limits reset at the start of each new day, month, and year in UTC time.

Restricted locations

ATM withdrawals are not available in the following countries and regions due to regulatory requirements. If your card is used at an ATM in any of these locations, the withdrawal will be declined automatically.

FATF blacklisted countries

  • Democratic People's Republic of Korea (North Korea)
  • Iran
  • Myanmar

OFAC-sanctioned countries

  • Cuba
  • Iran
  • Democratic People's Republic of Korea (North Korea)
  • Syria
  • Ukraine

Other restricted jurisdictions

  • China

Why these limits exist

These limits help to reduce the risk of fraud and money laundering, restrict cash activity in high-risk or sanctioned regions, and ensure Reap stays compliant with Visa requirements and global financial regulations.

Frequently Asked Questions

What happens if I reach my daily or monthly limit?

Your withdrawal attempt will be declined. Your limit resets at the start of the next day or month (UTC time), depending on which limit was reached.

Can my company request higher ATM withdrawal limits?

You may submit a request to the Reap support team with the amount or frequency you need and a brief explanation of why the cash withdrawal is required. The team will review your request and confirm whether an adjustment can be made.

How can I track my ATM withdrawals?

You can view your ATM withdrawal history in the Transactions section of your Reap Dashboard under Reap Card.

Why was my ATM withdrawal declined even though I have not reached my limit?

Your card may have been used in a restricted country or region, or your company's spend control settings may be stricter than the default limits. Check your location and card settings, or contact support for more detail.

Contact our Support Team

If you have questions or need assistance, contact our support team via the Live Chat in the Reap Dashboard (bottom right corner) or email us at hello@reap.global

For more information, visit Know who to talk to at Reap.

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