What are the spending limits when using my Visa Debit Card?
Contactless payments (PayWave):
Whether you're using a physical card or a digital wallet (e.g. Samsung Pay, Google Pay, Garmin Pay - excluding Apple Pay), a daily limit of $400 applies.
- For transactions over $100, you may be asked to enter your PIN.
- If you exceed the $400 daily contactless limit, you’ll need to insert or swipe your card and enter your PIN to continue using it.
Inserted or swiped card payments:
When you insert or swipe your card, a $1,000 daily limit applies. This includes cash withdrawals.
- To spend more than $1,000, you can insert your card, select ‘Credit’, and enter your PIN. This allows you to spend up to your available account balance.
- Please note: Merchants may apply a surcharge for credit transactions.
Apple Pay users:
If your card is loaded onto Apple Pay, you can spend up to your available account balance, with no preset daily limit.