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.

 

[VESTANON]

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?

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.

 

[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).

 

[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.

 

[pesto]

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

 

[Martin Everson]

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

Thats interesting, As 10k is what they claim on the website but when you look in app it is not so . 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:

What are my spending limits? | Wise Help Centre

There are limits on how much you can spend with your Wise card and withdraw from ATMs. For all cardholders, there are monthly limits that reset on the first day of each month. There are also daily...

wise.com

Wise business card limits:

How much can my team spend with Wise Business cards? | Wise Help Centre

We've temporarily stopped issuing cards to businesses based in the US. If you try to get a card for your US business, we'll record your request and notify you once they're available again. If you a...

wise.com

 

[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 .

 

[erni]

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

 

[Martin Everson]

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

Yup