Personal Finance Tips

BNP Paribas bank card limit in France: everything you need to know

Soufiane Baba

11.11.25

Read time 2 minutes

Here’s a complete guide to BNP Paribas card limits — including withdrawal and payment caps for each card type, and how to adjust them when needed.

If you’re looking for an alternative with higher, more flexible limits, the Wise card could be a good option. It offers generous limits and transparent pricing, with no monthly fees.

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BNP Paribas bank card limits: what you should know

Each BNP Paribas card has its own specific payment and withdrawal limits.
Payment limits apply monthly and reset every 30 days.
Withdrawal limits apply weekly and reset every 7 days.
Both limits can be adjusted through the BNP Paribas app or online banking portal.

BNP card limits: withdrawal and payment caps

Here’s a summary of the current payment and withdrawal limits for BNP Paribas cards:¹

Card type	Payment limit	Withdrawal limit
Origin	€1,000 / 30 days	€1,000 / 7 days
Classic	€2,500 / 30 days	€500 / 7 days
BNP Net	€2,500 / 30 days	€500 / 7 days
Visa Premier	€8,000 / 30 days	€2,000 / 7 days
Visa Infinite	€10,000 / 30 days	€4,000 / 7 days

How to check your BNP Paribas bank card limit

To check your card limits, log in to your BNP Paribas account — either on the website or via the mobile app.

Once connected, go to your account overview and select your card. The payment and withdrawal limits will appear in the details section.

If you can’t access your online banking, simply contact your advisor for this information.

How to increase your BNP Paribas card limit

To increase your BNP Paribas card limit, follow these steps online (via your computer or mobile app):

On the app: go to “My accounts” → “Offers” → “Cards.”
On the website: go to “Manage my accounts” → “Cards and payment methods” → “All bank cards.”

Note: These instructions may vary slightly depending on BNP’s app or website updates.

Once you’ve selected the card, slide the cursor to the right to increase the limit (or to the left to reduce it).

This change takes effect immediately, but it’s temporary — the limit will automatically reset after 3 months.²

When should you change your BNP card limit?

There are a few situations where raising or lowering your limit makes sense:

Unexpected expenses: if you reach your monthly limit and need to make a large payment, increasing the cap temporarily can help.
Travel or holidays: you may spend more while abroad or during trips, so increasing your limit can prevent declined transactions.
Security reasons: if you rarely use your card or want extra protection, lowering your limit can reduce risk in case of theft or loss.

Keep in mind: limit changes are temporary and will reset automatically after 3 months.²

Need a higher permanent limit? You have two main options:

Upgrade to a premium card — such as Visa Premier or Visa Infinite, with payment limits of up to €10,000 per month.
Choose a multi-currency card from an online provider, such as Wise, which offers flexible limits and transparent fees.

Consider the Wise card if your BNP Paribas limit feels restrictive

The Wise card generally provides higher payment and withdrawal limits than most traditional banks — in France or abroad.

Here’s what makes it stand out:

No monthly fees: you only pay for what you use, with no subscription or account maintenance charges.
Mid-market exchange rate: foreign currency payments are converted at the mid-market rate, not at a marked-up rate.
Transparent pricing: if you hold the currency in your account, payments are free. If not, Wise converts at the mid-market rate with a fair, transparent fee.

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Sources:

Last verified on October 13, 2025

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

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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.