Thanks for the insight!

Have you encountered any merchants charging a fee for cash back?

I’m astonished to hear of that degree of nannying. But then it occurs to me that’s probably not an ATM limit; it’s probably a limit of the bank that issued your card. I would check your bank’s contract.

Since ATM fees don’t apply in your case, the fix is perhaps to open a few accounts so you can use one card after another. I guess assuming these are gratis accounts (not sure if that’s a thing in NL).

Another trick: buy something at SPAR and ask for €150 in cash back. I’ve heard SPAR has a 150 limit but not tested it. I would like to hear if any shops have a higher cash back limit than 150 as well.