ATM Limit
| Midnight Blue | Ruby Steel | Royal Indigo / Jade Green | Icy White / Rose Gold | Obsidian |
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 Blue | Ruby Steel | Royal Indigo / Jade Green | Icy White / Rose Gold | Obsidian |
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 |
Fiat 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 on the first of each month/1st of January.
Monthly CRO Rewards Limit
| Midnight Blue | Ruby Steel | Royal Indigo / Jade Green | Icy White / Rose Gold | Obsidian |
Monthly CRO Rewards Limit | - | $25 USD equiv. | $50 USD equiv. | - | - |
Note: The Monthly CRO Rewards Limit is applicable regardless of whether cardholders have a live lockup or not.
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 fee: 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
Reissue Card: £50
Card Issuance: £4.99 for the order of the first physical Midnight Blue card
Inactivity: £5 per month after 12 months of inactivity ( activity is considered any successful usage of the card)
Foreign Transaction Fee: All non-GBP & EUR purchases and ATM withdrawals will be charged as follows on Midnight Blue, Ruby Steel, Royal Indigo and Jade Green Cards (Effective 19 Dec 2022 onwards)
Non-GBP & EUR Purchases and ATM Withdrawals | Foreign Transaction Fee |
Within the UK and the EU | 0.2% |
Outside the UK and the EU | 2.0% |