ATM Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Free ATM limit (Monthly) | £180 | £360 | £720 | £720 | £900 |
ATM withdrawal limit | Daily: £1,800 Monthly: £9,000 Yearly: £66,000 | Daily: £1,800 Monthly: £9,000 Yearly: £66,000 | Daily: £1,800 Monthly: £9,000 Yearly: £66,000 | Daily: £1,800 Monthly: £9,000 Yearly: £66,000 | Daily: £1,800 Monthly: £9,000 Yearly: £66,000 |
ATM withdrawal frequency | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 |
Top Up and Transfer Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Aggregated top-up limit | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 |
Aggregated top-up limit with Credit / Debit Card | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 |
Minimum top-up limit with Credit / Debit Card |
£20 |
£20 |
£20 |
£20 |
£20 |
Cash account to card transfer limit | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 |
Crypto to card transfer limit | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 | Daily: £22,000 Monthly: £22,000 Yearly: £220,000 |
Card to card transfer limit | Daily: £100 Monthly: £3,000 Yearly: £45,000 | Daily: £4,500 Monthly: £4,500 Yearly: £45,000 | Daily: £4,500 Monthly: £4,500 Yearly: £45,000 | Daily: £4,500 Monthly: £4,500 Yearly: £45,000 | Daily: £4,500 Monthly: £4,500 Yearly: £45,000 |
Load Frequency – All Card Tiers
Daily limit: 12
Monthly limit: 140
Yearly limit: No limit
*Please note that this is a total aggregated load frequency limit. For each top-up or transfer method, different load frequency limits may apply.
All aggregated loading limits (and only them) reset on a rolling basis, while all other limits reset on a calendar basis.
The daily calendar limits reset at 00:00 GMT.
Monthly and Yearly calendar limits reset at 00:00 GMT on the first of each month/1st of January.
Monthly Spending Cap for CRO Rewards
| Basic (previously Midnight) | Plus (previously Ruby) | Pro (previously Jade/Indigo) | Private (previously Icy/Rose/Obsidian) |
Monthly Spending Cap Eligible for Rewards*
USD or the equivalent amount in other fiat currencies
| N/A | Prepaid Card: $1,250 | Prepaid Card: $2,500 | Unlimited |
POS Purchase Limit (Includes All In-Store and Online Purchases)– All Card Tiers
Daily limit: £22,000
Monthly limit: £22,000
Yearly limit: £220,000
Card Max Balance – All Card Tiers
£22,000
Fees
Debit / Credit card top-up: 1%
ATM Withdrawal: 2% on amounts above the monthly free ATM limit [ATM surcharge fees charged by ATM provider (if any) will be counted towards the ATM withdrawal limit]
Close Account: £50
Card Upgrade: Waived
Card Replacement:
Midnight Blue - £45.01
Other Card Tiers - £50
Physical Card Issuance:
Midnight: £4.99
Ruby: £24.99 for Level Up Plus plan monthly subscribers with less than 6 months of consecutive subscription. Free for Level Up Plus plan annual subscribers, monthly subscribers with at least 6 months of consecutive subscription, or users with an active Level Up lockup/stake
Foreign Transaction Fee: All non-GBP & EUR purchases and ATM withdrawals will be charged as follows for the Midnight Card (Effective 2 September 2025)
Inactivity: £5 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity on the card unless activity resumes. The fee will stop being charged and the 12 months will be reset once activity resumes. Note: Declined and refunded transactions do not constitute financial activity.
Non-GBP & EUR Purchases and ATM Withdrawals | Foreign Transaction |
Within the UK and the EU | 0.2% |
Outside the UK and the EU | 2.0% |
Frequently Asked Questions
Are the funds I hold with you safeguarded?
As an electronic money institution (EMI), ForisGFS UK Limited is required to safeguard the money that we receive from our customers.
This means that any money we receive from customers is placed in a dedicated bank account and is held separately from our own funds.
Safeguarding helps to protect our customers because it means that if we were to become insolvent, our customers would be paid out from the safeguarding accounts before most claims against us are paid out.
What would happen to my funds if ForisGFS UK Limited were to become insolvent?
Any funds received by our customers are held in a segregated account so that in the unlikely event that ForisGFS UK Limited becomes insolvent our customers' funds will be protected against claims made by creditors.
This document is a translation of its English version. In case of conflict, the English version shall prevail.