Short answer: There isn’t a UK-wide cash withdrawal cap of £200. Banks set their own ATM and in-branch limits, and recent guidance from the FCA requires ensuring access to cash rather than restricting it. If you need specifics, check with your bank or your account type, as limits vary. Key points

• UK-wide rule: No universal £200 withdrawal limit. Banks determine daily ATM and in-branch limits based on account type and anti-money-laundering controls.

• Typical ATM limits: Many banks offer ranges like £300–£1,000 per day, with some higher or lower depending on the institution and the account. For example, NatWest/RBS and others have higher tiers for premium accounts or by arrangement.

• In-branch limits: Some banks allow larger in-branch withdrawals with notice, sometimes thousands of pounds, depending on the branch and customer status.

• Recent regulatory context: In 2024, the FCA reinforced the importance of cash access rather than introducing blanket withdrawal caps. Banks and cash networks have been focusing on maintaining access and offering higher limits where appropriate.

• Declaring large sums: If carrying or moving large cash sums (e.g., £10,000 or more), you may need to declare it when crossing borders or for certain transfers, but this is a separate customs declaration rule rather than a withdrawal cap.

Practical next steps

• Check your specific bank’s published daily withdrawal limit for your account type (ATM) and for in-branch withdrawals. Examples: NatWest/RBS, Barclays, HSBC, and Nationwide publish account-based limits online.

• If you anticipate needing larger cash withdrawals, contact your bank to request a higher limit or arrange an in-branch withdrawal with advance notice (often 24–48 hours, sometimes more for very large sums).

• For travel or international considerations, be mindful of declaration rules at borders: you must declare cash of £10,000 or more or equivalent when moving between the UK and other jurisdictions.

Would you like me to look up the exact withdrawal limits for your specific bank and account type, or provide direct links to the official pages for your bank?