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What are the payment and withdrawal limits for my Qonto card?

  • Updated

Every Qonto card has payment and withdrawal limits that vary by card type (One, Plus, X or Mirror), giving you control and security over company spending. Admins can set limits for all team members while managers can adjust limits for their team.

You can customize these limits when creating a card or modify them anytime from both 💻 web and 📱mobile. Changes take effect in real-time. The maximum thresholds are fixed per card type – if you need higher limits, upgrade to a more premium card.

 

What are the maximum limits for each card type?

One card:

  • Pay up to €20,000 per calendar month.
  • Withdraw up to €1,000 per calendar month.

Plus card:

  • Pay up to €40,000 per calendar month.
  • Withdraw up to €2,000 per calendar month.

X card:

  • Pay up to €200,000 per calendar month with Strong Customer Authentication (SCA) enabled, or €60,000 if SCA is not enabled yet.
  • Withdraw up to €3,000 per calendar month (German accounts have higher withdrawal limits – learn more).

Mirror card:

  • Pay up to €400,000 per calendar month with SCA enabled, or €60,000 if SCA is not enabled yet.
  • Withdraw up to €6,000 per calendar month (German account have higher withdrawal limits – learn more).

For X and Mirror cards, we strongly recommend activating SCA to access the higher monthly limits. Learn how to pair your phone with your Qonto account.

☝️ After receiving your physical card, use your PIN code for your first transaction to activate contactless payments and payment limits above €20,000 for Plus, X and Mirror cards.

 

Can I increase the maximum limits on my card?

No, the maximum thresholds for each card type are fixed and cannot be adjusted.

If you need higher limits, upgrade to a more premium card by clicking "Upgrade to more premium card" in your card settings. Learn more about upgrading your card.

 

How do I set or change payment and withdrawal limits?

During the card creation:

  1. Go to Business account → Cards and click Create card.
  2. Choose your card type (physical, virtual or instant).
  3. Set your desired limits in the Card settings section.

After the card creation:

  1. Go to Business account → Cards and select the card.
  2. Click Update in the card settings section.
  3. Adjust your limits and confirm.

You can set limits up to your card's maximum threshold. You can also configure other settings like spending categories and recurring limits. Explore all card settings options.