Apple Pay Top Up Limit


#1

I can’t find the answer.
Why does Starling have a £250 limit? Monzo for example goes higher.
Tried chat but they can’t help.
@sarah.guha can you help?


#2

Hi @Drew58 - the £250 top up limit only applies to topping up using a debit card or a debit card via Apple Pay, if you want to transfer larger amounts to your Starling account you can use your account number and sort code and transfer a one-off or recurring payment from another bank account. This way, you don’t need to keep making card payments to add money to your account - it’s all set up to transfer automatically each month.


#3

Thanks Sarah. Using Apple Pay is so much quicker and user friendly than FPS. I just wonder why Monzo for example allows a much higher rate.


#4

Hi. I’m new to Starling. Just registered. But my daily top up limit using a debit card or Apple Pay is actually only £50. Will this rise to £250 daily limit with time?


#5

Welcome to Starling @Mark_Grech!
Once your account verification is complete, your limit will increase.
This should happen today, and you’ll receive a notification too!


#6

It costs Starling a lot of money having card top ups, maybe 1% on all transactions, so it is preferable to send money by FPS to keep the bank’s costs down. Maybe Apple Pay tops ups cost as much as card top ups?


#7

Probably more, since Apple also wants to make money for each transaction.
Also, Monzo has now introduced a £100-per-topup limit to reduce costs, hoping that customers do a bank transfer instead.