What limits is my card subject to?

To comply with federal regulations, there are limits affecting how much money can be loaded, withdrawn and spent by each cardholder.

As of 9/5/2024, those limits are:

  • Max Account Balance: $30,000
  • Max Spend Per Debit Card Transaction: $15,000/day
  • Max Spend Per ACH Transaction: Current Settled Account Balance
  • Max Spend Per Day: $15,000/day
  • Max Spend on Gift Cards, Per Day: $2,000
  • Max Spend Per Month: $50,000/month
  • International Transactions: Yes
  • Max Load Per Calendar Day: $15,000
  • Max Cash / ATM Withdrawal Per Transaction: $250
  • Max Cash / ATM Withdrawal Per Day: $1,000
  • Max Cash / ATM Withdrawal Per Month: $1,000

Instant deposit limits:

  • Max transfer per deposit: $1,500
  • Max daily deposit: $10,000
  • Max deposit per rolling 30 days: $20,000

Instant withdrawal limits:

  • If user has been a Fold+ subscriber for more than 6 months:
    • Max transfer per withdrawal: $250
    • Max daily withdrawal: $500
    • Max withdrawal per rolling 30 days: $1000
  • If user has been a Fold+ subscriber for less than 6 months:
    • Max transfer per withdrawal: $125
    • Max daily withdrawal: $250
    • Max withdrawal per rolling 30 days: $500

Astra in-app ACH transfer limits:

  • Max load per rolling 30 days: $40,000

Updated

Was this article helpful?