Why is my transaction pending?
When you make a purchase, the amount is authorised and deducted from your balance immediately. The transaction stays “pending” for up to 7 days while the merchant and card network reconcile the payment. It then changes to “settled”.
Why was my transaction declined?
Common reasons include insufficient budget balance, company balance too low, incorrect PIN, ATM access disabled, or the merchant not accepting Visa debit. See Understanding declined transactions for the full list and what to do.
I don't recognise a transaction. What should I do?
Freeze the card immediately, then investigate. Check if the purchase was made by someone else in your organisation, if it’s a foreign currency conversion, or a forgotten subscription. If you can’t identify it, dispute the transaction.
How do I dispute a transaction?
Freeze the card, contact the merchant first, then lodge a dispute with Budgetly if needed. See How to dispute a transaction.
What are the transaction limits?
- Single transaction / daily: $300,000 AUD
- Contactless (tap) per day: $500 AUD — insert physical card for higher amounts
- Daily ATM cash out: $10,000 AUD
See Understanding transaction limits for full details.
I haven't received my one-time password (OTP). What do I do?
Check that the mobile number on your Budgetly account is correct. OTPs are sent via SMS first, then email as a fallback. If you still haven’t received it after multiple attempts, contact support.
How can I view my virtual card details for an online purchase?
Tap the eye icon on the card image to reveal the full card number, expiry, and CVV. See How to view your full card details.