Can't withdraw your money? Banks implement new ATM systems: Understand withdrawal and transfer limits at a glance

Fraud methods are emerging endlessly, and major banks in Taiwan are cooperating with the government to raise anti-fraud defenses. Recently, many major banks have successively lowered ATM withdrawal and online banking transfer limits, and even introduced facial detection systems and fund transfer delay mechanisms to help citizens protect their wallets.

Strict Anti-Fraud Measures: Multiple Taiwan Banks Update Withdrawal and Transfer Limits

In recent years, investment and online shopping fraud have been rampant. According to the National Police Agency's "Fraud Dashboard", in June this year, total losses from fraud across Taiwan reached 8.91 billion, with "fake investment" fraud accounting for 4.58 billion, involving over 3,000 cases.

To ensure citizens' fund safety and strengthen government anti-fraud policies, banks across Taiwan have recently lowered withdrawal limits to prevent victims from being instructed by fraud groups to withdraw large amounts of cash.

Quick Guide to New Bank Limit Regulations

Currently, multiple banks have adjusted or are about to adjust withdrawal limits, including Taishin, Ctbc, Mega, Cooperative, and Post Office. Adjustments cover digital accounts, ATM withdrawals, and online banking transfers. Below are the key adjustment points:

Bank Fraud Prevention Upgrade: Introducing Withdrawal Detection Alert System

Besides amount restrictions, banks have also introduced more sophisticated anti-fraud technologies. For example, some Mega Bank ATMs have installed "facial occlusion detection systems" that will immediately sound an alert if the withdrawer is wearing a mask or talking on the phone while operating the ATM, reminding users to be aware of fraud risks.

Additionally, some banks have adjusted digital account fund transfer rules. For instance, Chunghwa Post will no longer have immediate effect for financial card designated transfer accounts from July 19, instead requiring a two-working-day waiting period to prevent abnormal account transfers.

Consumers Should Take Note: Money Cannot Be Withdrawn

ABMedia reminds readers to pay attention to their account level quota details or whether they have a third-category digital account; for large withdrawal needs, they should make advance counter reservations or seek staff assistance; and utilize bank alert notifications, anti-fraud mechanisms, and customer service channels to ensure transaction safety.

Although withdrawals are inconvenient, these measures are the primary compromise banks and government are making to curb fraud. Authorities have also urged citizens to take the fraud threat seriously, actively update account passwords and permissions regularly, and work with financial institutions to create a safer financial environment.

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