How Much Can You Transfer Online Per Day? Limits Vary Significantly Between Agreed and Non-Agreed Accounts – Full Comparison of 9 Banks

Have you ever needed to pay rent, renovation costs, tuition, or another large sum, opened your mobile banking app to transfer money, only to see a 'transfer limit exceeded' message? Exactly how much can you transfer online in one day?

The answer depends not only on the bank but more importantly on whether the recipient account is pre-registered as an 'agreed account,' as well as your account type, device authentication, and security verification methods like OTP (One-Time Password).

For most banks' standard personal online and mobile banking services, non-agreed transfers typically have a base limit of TWD 50,000 per transaction, TWD 100,000 per day, and TWD 200,000 per month. Agreed transfers, however, usually have much higher limits, with some banks allowing over TWD 2 million per transaction. Actual limits vary by bank, account type, and customer settings.

What's the Difference Between Agreed and Non-Agreed Accounts?

An 'agreed account' refers to a recipient account number that has been pre-registered according to the bank's rules. If you regularly send rent, living expenses, or conduct large transactions with a specific account, you can consider setting it up as an agreed incoming account in advance.

Since the bank has completed the necessary setup beforehand, transfer limits for agreed accounts are typically higher than for non-agreed accounts.

A 'non-agreed account' allows you to transfer money directly via online banking or an app without pre-registering the recipient's account number. It's convenient to use, but to reduce transaction risks, it usually comes with lower per-transaction, daily, and monthly limits.

Additionally, saving an account as a 'frequently used account' does not mean it's automatically set as an agreed account. 'Frequently used accounts' are primarily for faster data entry next time; the actual transaction may still be classified as a non-agreed transfer. Always refer to the transaction type displayed in the bank's system for accuracy.

How Much Can You Transfer Online Per Day? Full Comparison of 9 Banks

Below is a summary of the main TWD transfer limits for general personal online/mobile banking services at 9 financial institutions in Taiwan: Taiwan Bank, Cathay United Bank, Taipei Fubon Bank, CTBC Bank, E.SUN Bank, Taishin Bank, Yuanta Bank, First Bank, and Chunghwa Post.

Since limits can vary even within the same bank due to differences in account types (general vs. digital), identity verification methods, agreed account setup, and security mechanisms, the following is based on general conditions and current publicly available rules on bank websites.

- Taiwan Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly (via OTP) - Higher Limits / Other Cases: According to the bank's online banking agreement, using other bank-approved mechanisms can raise limits to TWD 100,000 per transaction / TWD 200,000 daily / TWD 500,000 monthly - Agreed Transfers: Up to TWD 3 million per transaction / TWD 30 million daily / TWD 90 million monthly (as per official agreement); interbank and ATM transfers share a daily cumulative limit of TWD 2 million

- Cathay United Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly - Higher Limits / Other Cases: General TWD accounts meeting conditions can increase limits to TWD 500,000 per transaction / TWD 500,000 daily / TWD 1 million monthly - Agreed Transfers: TWD 2 million per transaction / TWD 3 million daily for transfers to other accounts within the bank or to other banks

- Taipei Fubon Bank - Non-Agreed Transfers: Standard limit of TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly - Higher Limits / Other Cases: Mobile banking offers a function to apply for higher non-agreed transfer limits; actual increased limits depend on bank services and customer eligibility - Agreed Transfers: TWD 2 million per transaction / TWD 3 million daily for accounts set up as agreed recipients at a branch; some digital accounts have TWD 2 million per transaction and daily

- CTBC Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly for standard accounts opened at a branch - Higher Limits / Other Cases: After completing required device authentication and enabling 'higher transfer limits,' limits can reach TWD 100,000 per transaction / TWD 200,000 daily / TWD 500,000 monthly; digital accounts may not qualify - Agreed Transfers: Up to TWD 2 million daily for new general accounts set up as agreed transfers via online banking/app; digital accounts may have TWD 1 million per transaction and daily

- E.SUN Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly - Higher Limits / Other Cases: After enhancement, maximum limits are TWD 200,000 per transaction / TWD 200,000 daily / TWD 500,000 monthly - Agreed Transfers: TWD 2 million per transaction / TWD 2 million daily for agreed transfers

- Taishin Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly - Higher Limits / Other Cases: Online setup of agreed accounts has the same limit: TWD 50,000 / TWD 100,000 / TWD 200,000 - Agreed Transfers: TWD 2 million per transaction / TWD 3 million daily for general agreed accounts set up at a branch; with prior application for large agreed transfers, daily maximum can reach TWD 30 million

- Yuanta Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly - Higher Limits / Other Cases: Varies by account identity and verification method. For example, DAWHO accounts qualifying for agreed transfers have TWD 2 million per transaction / TWD 2 million daily - Agreed Transfers: TWD 2 million per transaction / TWD 2 million daily for qualifying accounts like DAWHO

- First Bank - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly via e-Link; physical OTP allows up to TWD 100,000 per transaction / TWD 100,000 daily / TWD 500,000 monthly - Higher Limits / Other Cases: Limits vary depending on security controls used (e-Link, physical OTP, SSL/Touch ID, or certificate) - Agreed Transfers: For branch-agreed accounts using SSL/Touch ID, maximum TWD 3 million per transaction for in-bank transfers, TWD 2 million for interbank; daily combined in-bank and interbank transfers up to customer-defined limit, maximum TWD 3 million; other security methods may allow higher limits

- Chunghwa Post - Non-Agreed Transfers: TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly - Higher Limits / Other Cases: All transactions via online post office/app combined (agreed, non-agreed, interbank, payments, etc.) capped at TWD 1 million daily - Agreed Transfers: TWD 1 million per transaction / TWD 1 million daily for accounts set up at a branch; online setup results in TWD 50,000 per transaction / TWD 100,000 daily / TWD 200,000 monthly

Note: Data was collected as of August 12, 2026. Actual transfer limits may vary based on account type (general/digital), identity verification method, agreed account setup, transaction security mechanisms, and bank risk management. Always refer to the limits displayed in your personal online banking/app and the bank's latest announcements.

Is the Daily Non-Agreed Transfer Limit Always TWD 100,000?

Not necessarily.

TWD 50,000 per transaction, TWD 100,000 daily, and TWD 200,000 monthly is a common base limit for non-agreed transfers at many banks, but some banks offer services to increase these limits.

For example, Cathay United Bank allows general TWD account holders to adjust non-agreed transfer limits via branch visit or qualified CUBE App video service, raising them up to TWD 500,000 per transaction, TWD 500,000 daily, and TWD 1 million monthly.

E.SUN Bank's default non-agreed transfer is TWD 50,000 / TWD 100,000 / TWD 200,000, but after enhancement, maximum limits are TWD 200,000 per transaction, TWD 200,000 daily, and TWD 500,000 monthly.

CTBC Bank's branch-opened accounts also start at TWD 50,000 / TWD 100,000 / TWD 200,000, but after completing required device authentication and enabling 'higher transfer limits,' limits can be increased to TWD 100,000 per transaction, TWD 200,000 daily, and TWD 500,000 monthly; however, digital accounts may not qualify for this increase.

Therefore, if you temporarily need to transfer TWD 200,000 to an unregistered account, you don't necessarily have to split it over multiple days. First, check if your bank's app offers a function to increase non-agreed transfer limits.

How Much Can You Transfer Daily to an Agreed Account?

If you frequently need to make fixed transfers of hundreds of thousands or even millions of dollars, formally setting the recipient account as an agreed account is usually more convenient.

However, limits vary by bank.

For example, Cathay United Bank allows up to TWD 2 million per transaction and TWD 3 million daily for agreed transfers to other accounts within the bank or to other banks.

E.SUN Bank's general agreed transfers are TWD 2 million per transaction and TWD 2 million daily; Taishin Bank's branch-set general agreed accounts allow TWD 2 million per transaction and TWD 3 million daily, and with additional setup for large transfers, daily cumulative maximum can reach TWD 30 million.

Chunghwa Post is different: branch-set agreed accounts allow TWD 1 million per transaction and daily, but the online post office and app combine all transactions (agreed, non-agreed, interbank, payments, etc.) with a daily total cap of TWD 1 million.

Therefore, you cannot assume that 'as long as it's an agreed account, you can transfer TWD 3 million daily.' You must check which bank you're using, your account type, and setup method.

Why Is My Limit Still Only TWD 100,000 Even Though I Set an Agreed Account?

The reason may lie in the setup method.

For example, at Taishin Bank, branch-set agreed accounts allow up to TWD 2 million per transaction and TWD 3 million daily for non-same-ID or interbank transfers, but online setup of agreed accounts has a limit of TWD 50,000 per transaction, TWD 100,000 daily, and TWD 200,000 monthly.

Chunghwa Post has a similar difference: branch-set agreed accounts allow TWD 1 million per transaction and daily, but 'online setup of agreed incoming accounts' only allows TWD 50,000 per transaction, TWD 100,000 daily, and TWD 200,000 monthly.

Therefore, even if the app displays 'agreed account,' it doesn't automatically mean you can transfer TWD 2 million or TWD 3 million in one go. You must confirm how the agreed account was set up and which limit applies.

What's the Daily ATM Transfer Limit? Different from Online Banking

Another easily confused issue is that ATM card transfers to non-agreed accounts and online banking non-agreed transfers operate under different limit systems.

According to FSC data, since June 1, 2005, the daily limit for non-agreed account transfers via ATM card has been reduced to TWD 30,000.

In practice, many banks set the ATM card non-agreed transfer limit at TWD 30,000 per transaction and daily. For example, Taishin Bank's current ATM non-agreed transfer is TWD 30,000 per transaction and daily; Yuanta Bank's chip card non-agreed transfer is also TWD 30,000 per transaction and maximum TWD 30,000 daily.

Therefore, a more accurate understanding is: regulatory authorities set the key rule for ATM card non-agreed transfers as 'TWD 30,000 daily,' while the per-transaction limit still depends on individual issuing banks' rules.