Wise spending limits!

[pesto]

Yesterday I was in a store to buy me a new iphone. The card got rejected, the amount was 1200 euro. I went to an ATM to withdraw 1000 euro in cash to pay for the phone. It worked just fine.

Why did my card got rejected in the store while I 5 minutes later was able to withdraw 1000 euro in cash?

 

[clemens]

did you use contactless or ship and pin?

if your car declines with contactless you want to use chip and pin, see wise account limits inside account login.

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[VESTANON]

pesto said:
Yesterday I was in a store to buy me a new iphone. The card got rejected, the amount was 1200 euro. I went to an ATM to withdraw 1000 euro in cash to pay for the phone. It worked just fine.

Why did my card got rejected in the store while I 5 minutes later was able to withdraw 1000 euro in cash?
Click to expand...

All pointers look to POS/instore merchant limits on the card, hence the payment amount via the store was inaccessible, the cash access via the ATM was on the daily cashout card parameters...
the card limits could be lifted by the issuer.

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[Sols]

You can change the limit in the app or on the website. It even tells you how to do it if you the notification on your phone (if you have the app installed).

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This is the probably the answer to your question.

 

[Martin Everson]

Yeah check setting in app like Sols said.

P.S Contactless max is £500 a transaction and chip and pin £2,500 a transaction, But if you used chip and pin check limit is set right in the app as sometimes it can be low.

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Please note my posts should not be taken as financial or tax advice. Please seek professional advice in that respect.

 

[pesto]

Chip and pin is 10K GBP for business card... just tried works.

 

[Martin Everson]

pesto said:
Chip and pin is 10K GBP for business card... just tried works.
Click to expand...

Thats interesting, As 10k is what they claim on the website but when you look in app it is not so rea#44!. It is 2,500.

But they do write:

"Different limits apply to different businesses, based on the region where they're registered." 🙄

Wise personal card limits:

https://wise.com/help/articles/2899986/what-are-my-spending-limits
Wise business card limits:

https://wise.com/help/articles/2Vr1...ch-can-my-team-spend-with-wise-business-cards

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Please note my posts should not be taken as financial or tax advice. Please seek professional advice in that respect.

 

[pesto]

yes I see that, none the less it is 10K - I have nothing to complain 🙂

 

[Martin Everson]

Well I be damned all customers are not equal in Wise. I see 2,500 😕.

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Please note my posts should not be taken as financial or tax advice. Please seek professional advice in that respect.

 

[erni]

My limit is 2500 as @Martin Everson - your's is a business card op?

 

[Martin Everson]

erni said:
My limit is 2500 as @Martin Everson - your's is a business card op?
Click to expand...

Yup

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Please note my posts should not be taken as financial or tax advice. Please seek professional advice in that respect.