Personal Finance Money transfer

Transferring a large amount of money from the Czech Republic: Maximum amount and duration

Olesya Mets

19.03.26

Read time 4 minutes

Do you need to make a large money transfer and are you not sure about your bank's maximum sending limit? In this article, you’ll learn about the maximum transfer amounts at the most popular Czech banks. You'll discover how much money you can send, how quickly your payment will travel, and what the limits are for ATM withdrawals or card payments.

You can send up to 25 million at once with a Wise account. You'll particularly appreciate it for international transfers, which can be more cost-effective compared to traditional banks. Wise uses the mid-market rate without any markup. And the best part? You can open and hold an account for free.

Save with Wise 💰

Transferring large amounts of money – limits comparison

Most banks set transfer limits based on two factors: the method of initiating the payment and the type of payment. You'll have the highest limit when paying with the most secure verification method, which for most banks is a digital key. The maximum transfer amount for instant payments is lower than for traditional ones. The following table shows the specific figures.

Bank	Traditional transfer limit	Instant payment limit
Air Bank	Unlimited¹	50 thousand CZK (and 400 thousand CZK to accounts you frequently pay)²
Česká spořitelna	10 million CZK³	400 thousand CZK⁴
ČSOB	Unlimited⁵	2.5 million CZK⁶
Fio banka	No limit⁷	100 thousand CZK⁸
Komerční banka	10 million CZK⁹	400 thousand CZK¹⁰
mBank	Unlimited¹¹	400 thousand CZK¹²
MONETA Money Bank	2 million CZK¹³	400 thousand CZK¹⁴
Raiffeisenbank	2.5 million CZK¹⁵	400 thousand CZK¹⁶
UniCredit Bank	2 million CZK¹⁷	1 million CZK¹⁸

Data valid as of the article's creation date.

💡 Need to send money abroad? For international payments, the limit is usually the same as for domestic ones, just converted to the foreign currency. Currently, you can only make instant payments in CZK and in a few banks in EUR – for example, with Fio¹⁹ and UniCredit.¹⁸

Send up to 25 million CZK with a Wise account – even abroad

With a Wise account, you can securely transfer up to 25 million CZK at once. You can choose from over 40+ currencies. International payments will be more cost-effective not only due to low fees but mainly because of the mid-market exchange rate. Traditional banks mark up this rate, meaning you pay more than you need to. You can hold a Wise account for free and get a debit card and a virtual card. What are your limits?

Payment method	Limit
Online transfer	25 million CZK per day
Card payment at a merchant	30,000 EUR per month
Online card payment	30,000 EUR per month
ATM withdrawal	4,000 EUR per month

Large amount transfers are cost-effective with Wise – the more you send, the lower your fee.
Traditional international payments have a low and transparent fee starting from 0.42%.
For 9+ currencies, you get local account details as if you had an account in a foreign bank. This includes currencies like euros, dollars, or pounds.
For 23 currencies, including CZK, you get international SWIFT bank details.
Wise has a sophisticated security system, and your money is secured with reputable financial institutions, including the National Bank of Belgium.

Changing your transfer limit

Limits are usually preset on your account to a lower value than the maximum transfer amount. You can change these limits directly in your online or mobile banking for each bank. If you plan to transfer an amount larger than your maximum limit allows, you will need to visit a branch in person.

How long does a large money transfer take?

If you stay within the instant payment limit, the money will reach the recipient's account in seconds.⁸ If you are sending more, a traditional domestic payment should arrive by the end of the next business day – regardless of the amount being transferred.¹⁸

💸 Sending money abroad or in foreign currency? A SEPA payment arrives by the next business day at the latest.²⁰ However, it's different for a SWIFT payment that can take anywhere from two days to two weeks – depending on the currencies, countries, and intermediary banks. There is no legally set deadline.

How much do instant payments cost?

Instant payment transfers are free for the vast majority of Czech banks.

Card payment limits

What if you're paying by card? Each bank sets different card payment limits. They often distinguish between payments at a merchant and online payments. Sometimes this limit is combined for both types of payments, and you must stay within the total. Other times, each payment type has its own limit. The following table shows how your bank handles this.

Bank	Payments at merchant	Online payments
Air Bank²¹	300 thousand CZK per week, can be temporarily increased to 1 million CZK	100 thousand CZK per week, can be temporarily increased to 300 thousand CZK
Česká spořitelna²²	300 thousand CZK per day	300 thousand CZK per day
ČSOB²³	150 thousand CZK per week combined with online payments and ATM withdrawals	150 thousand CZK per week combined with merchant payments and ATM withdrawals
Fio banka²⁴	100 thousand CZK per day, 300 thousand CZK per week combined with online payments	100 thousand CZK per day, 300 thousand CZK per week combined with merchant payments
Komerční banka²⁵	150 thousand CZK per day	150 thousand CZK per day
mBank²⁶	5 million CZK per day	5 million CZK per day
MONETA Money Bank²⁷	150 thousand CZK per day	150 thousand CZK per day
Raiffeisenbank²⁸	200 thousand CZK per week combined with online payments and ATM withdrawals/up to 650 thousand CZK for Gold Debit Mastercard Gold and Visa Gold Chip cards	200 thousand CZK per week combined with merchant payments and ATM withdrawals/up to 650 thousand CZK for Gold Debit Mastercard Gold and Visa Gold Chip cards
UniCredit Bank²⁹	100 thousand CZK per day combined with online payments	100 thousand CZK per day combined with merchant payments

ATM withdrawal limits

What is the ATM withdrawal limit? Some banks set a daily limit, while others set a weekly upper limit. The following table shows the maximum amount you can withdraw with your bank.

Bank	ATM withdrawal
Air Bank²¹	300 thousand CZK per week
Česká spořitelna²²	75 thousand CZK per day
ČSOB²³	150 thousand CZK per week combined with online and merchant payments
Fio banka²⁴	100 thousand CZK per day, 300 thousand per week
Komerční banka²⁵	150 thousand CZK per day
mBank²⁶	300 thousand CZK per day
MONETA Money Bank²⁷	150 thousand CZK per day
Raiffeisenbank²⁸	100 thousand CZK per week
UniCredit Bank²⁹	40 thousand CZK per day

Data valid as of the article's creation date.

You've reached the end. You now know how much you can transfer within the Czech Republic with your bank. If you have a large amount to transfer abroad, opt for a multi-currency Wise account. With the mid-market rate and low transfer fees, it can be more advantageous than using traditional banks.

I want cost-effective transfers with Wise

Sources:

Air Bank – Limits for bank transfers
Air Bank – Instant payments
Česká spořitelna – George payment limit
Česká spořitelna – Instant payments
ČSOB – Business Terms ELB, limits, p. 5
ČSOB – Instant payments
Fio banka – FAQ, transfer limit
Fio banka – Payment system
Information from Komerční banka customer support
Komerční banka – Instant payments
Information from mBank customer support
mBank – Instant payments
MONETA Money Bank – Limit for sending payments
MONETA Money Bank – Instant payments
Raiffeisenbank – Online limit
Raiffeisenbank – Instant payments
UniCredit Bank – Information from customer support
UniCredit Bank – Instant payments in CZK and EUR
Fio banka – Payments in EUR
Komerční banka – SEPA payment
Air Bank – Card limits
Česká spořitelna – Card limits
ČSOB – Information from customer support
Fio Banka – Payment cards
Komerční banka – Information from customer support
mBank – Daily payment card limits
MONETA Money Bank – Maximum payment card limits
Raiffeisenbank – Information from customer support
UniCredit Bank – Payment cards

Sources checked on 18. 2. 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.