Updated ATM Withdrawal Limits and Country Restrictions

Starting 1 December 2025, new limits and restrictions will apply to ATM withdrawals. These updates are part of our ongoing efforts to improve security and comply with global regulatory standards.

• New daily, monthly, and yearly ATM withdrawal limits will apply

• ATM withdrawals will be restricted in certain high-risk jurisdictions

• Changes take effect at 8:00 AM HKT on 1 December 2025

ATM withdrawal limits will now differ based on your card currency. These limits apply to all cardholders:

USD-Based Cards

• Daily Limit: USD 3,000

• Monthly Limit: USD 10,000

• Yearly Limit: USD 100,000

• Daily Frequency: Up to 3 transactions

• Monthly Frequency: Up to 30 transactions

• Yearly Frequency: No limit

HKD-Based Cards

• Daily Limit: HKD 25,000

• Monthly Limit: HKD 80,000

• Yearly Limit: HKD 800,000

• Daily Frequency: Up to 3 transactions

• Monthly Frequency: Up to 30 transactions

• Yearly Frequency: No limit

💡 These limits are automatically applied and do not require any action from you.

ATM withdrawals will be blocked in the following locations:

• China – Restricted due to increased risk of ATM-related fraud

• FATF Blacklisted Countries – Always restricted

• OFAC-Sanctioned Countries – Always restricted

These restrictions are in place to reduce fraud and protect your account.

These updates are designed to:

• Reduce exposure to fraud and money-laundering risks

• Limit ATM access in high-risk or sanctioned regions

• Strengthen transaction monitoring, especially for cash activities

If you have questions or need support, Know who to talk to @ Reap for the best point of contact. Our team is ready to help.