A transaction will always be rejected if the amount is not available in the budget selected by the card holder prior to the transaction being made. For example when a budget member has no more budget to spend for the month.
Limits in AUD:
- up to $25,000 per transaction, per day.
- up to $500 per in-store transaction using GooglePay / ApplePay. (Visa Token Service)
- For in-store transaction larger than $500 you must use a physical card.
- Travellers outside Australia are advised to use a physical card.
- up to $750 per ATM withdrawal. (which you can block)
- up to $1500 ATM withdrawal per day. (which you can block)
| Physical card | Virtual card | |
| Online shopping | $25,000 | $25,000 |
| In-store using Apple/GooglePay | $500 | $500 |
| In-store using a physical card | $25,000 | - |
Security:
- PIN and 3D-secure are merchant requirements to reduce costly chargebacks and improve security.
- PIN code might be required for in-store payments over $100. You can set your PIN in Budgetly's mobile app.
- A one-time password might be required by some merchants. You will receive the code by SMS or email. (3-D Secure)
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