Paying by Maestro card via chip and pin, max allowable limit?

Emlyn_Dewar

Emlyn_Dewar

Emlyn_Dewar

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As the title really...
If I was going to be paying for an item over £1000 would it be possible to do so with a Maestro card?
I'm not sure I'll get time to go to the bank this lunch to take out the cash so wondered if this would be a possibility, or if there would be a limit on what can be paid at a time?

Thanks for any help. :)
 
Can depend on Bank to Bank, standard is normally around £30,000 and upto 15 transactions on a Debit Card though - but like i say it varies to account type and bank. £1,000 will not be a problem, if it is unusual may flag with a security check which will prompt the retailler to call for authorisation where you may be asked some ID Questions by your bank... but again that doesnt happen often
 
I paid £1500 for a trip to the Dominican Republic on a Natwest Maestro Card last year with no problems.
 
Thanks for that, I know it's not the greatest way to pay for things, but it'll save the bank trip and I'd rather not have to carry that cash around. [/paranoia]
 
I bought an £8200 car using my debit card last year (Visa Electron), went through no problem. I was expecting the bank to phone me TBH, but they didn't.
 
Depends on the transaction I think. I've had no problem ordering £500+ items online, but at the airport trying to buy £600 in € the currency exchange had to call the bank who I then spoke to to prove who I was in order to authorise the transaction.
 
There's a daily withdrawal limit from cash points using a debit card (usually between £300 and £500) which may be what you're thinking of, but as far as I know, there's nothing stopping you using it to pay for goods via a payment machine up to the limit of your cash reserves.
 
Emlyn_Dewar said:
As the title really...
If I was going to be paying for an item over £1000 would it be possible to do so with a Maestro card?
I'm not sure I'll get time to go to the bank this lunch to take out the cash so wondered if this would be a possibility, or if there would be a limit on what can be paid at a time?

Thanks for any help. :)
Click to expand...

are you thinking in advance for your first repair bill? ;)

:D
 
mulpsmebeauty said:
There's a daily withdrawal limit from cash points using a debit card (usually between £300 and £500) which may be what you're thinking of, but as far as I know, there's nothing stopping you using it to pay for goods via a payment machine up to the limit of your cash reserves.
Click to expand...

As i already stated above, every card has a POS limit, it is normally in the region of 30-50k however and can be adjusted in line with larger payments.
 
McDaniel said:
Can depend on Bank to Bank, standard is normally around £30,000 and upto 15 transactions on a Debit Card though - but like i say it varies to account type and bank. £1,000 will not be a problem, if it is unusual may flag with a security check which will prompt the retailler to call for authorisation where you may be asked some ID Questions by your bank... but again that doesnt happen often
Click to expand...

What he said. It also depends on the retail sector, ie you'll run into fewer problems spending £1000 in a car dealership than a supermarket. POS limits aren't the same as ATM though, you can spend as much as you want on a debit card in one day so long as you can pass the relevant security checks.
 
You shouldn't have any problems. I paid a large sum with a debit card a few months back, i ended up a conference call with a load of people to validate the transaction but it all went through after a bit.
 
Rotty said:
I've done £30k so you should be fine :)

did get phonecall from bank though before they authorised it
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I tried a large transaction on my visa debit and it didn't work...then no other transactions would work. Had to phone the bank and get them to unblock it, they could've at least phoned me!

It had flagged up as dodgy since it was to Japan...
 
Toker said:
I tried a large transaction on my visa debit and it didn't work...then no other transactions would work. Had to phone the bank and get them to unblock it, they could've at least phoned me!

It had flagged up as dodgy since it was to Japan...
Click to expand...

They may have tried, it is important to have all your contact information up to date with the banks, old phone numbers are a big problem in regards to things like this - not for a second suggesting that you don't; just fyi for those with old details at their banks!

I work for the Fraud Department of a bank and the amount of people who complain about not being called up and its because they have not given us new contact information when they change it - can only do what we can with the information we have.
 
Bought a car and paid £11k using Maestro today.
The place where I bought it called the bank as they needed verification that I was going to be conducting such a large transaction but it went though with no problems :)
 
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