Limits are subject to available balance, credit limit and product restrictions. Fees may apply to these transactions. For more information, see the relevant Terms and Conditions. Limits are subject to our discretion and lower limits may be applied to higher risk transactions, such as payments to cryptocurrency exchanges.
| Payment Type | Maximum Limit1 |
| Visa Debit purchases | $10,000 per card, per day2 |
| Cashcard purchases | $3,000 per card, per day |
| Visa Credit purchases | Unlimited amount4 |
| Visa Credit Cash Advances | $1,000 per card, per day4 |
| Cash withdrawals through ATM or eftpos | $1,000 per card, per day |
| Visa Debit Cash Advances through ATM or eftpos | $1,000 per card, per day |
| Apple Pay | Same as card purchase limit |
| Google Pay™ | $500 USD per transaction up to the card purchase limit3 |
1 Some merchants (stores) or ATM providers may apply lower limits.
2 A sub-limit of $1,500 per card, per day applies to transfers to payment wallets or other cards (except for transfers to Newcastle Permanent or Greater Bank).
3The same transaction limits on your card apply to Google Pay, however, an individual transaction limit of USD $500.00 also applies to Google Pay. There is a limit on how many offline transactions that can be made before an internet connection (mobile data or Wi-Fi) is required. You can use your physical card where these Google Pay limits have been reached. Note: you may be required to enter a PIN for some older merchant terminals.
4A maximum of 20 of these transactions can be made per credit card, per day.
| Personal internet banking - payment type | Daily limit |
| Pay Anyone & Osko® | Default: $2,0005 Maximum: $50,0006 |
| BPAY®7 | Default: $10,0005 Maximum: $75,0006 |
| PayTo®8 |
Payment Agreement authorisations: $5,000 Sub-limit for Payment Agreements that allow 'anytime' or multiple payments made within a day: $1,000 |
| Business internet banking - payment type | Daily limit |
| Pay Anyone & Osko | Default: $10,0005 Maximum: $100,0006 |
| BPAY7 | Default: $20,0005 Maximum: $100,0006 |
|
PayTo8 |
Payment Agreement authorisations: $5,000 Sub-limit for Payment Agreements that allow 'anytime' or multiple payments made within a day: $1,000 |
These limits are cumulative across all your accounts and based on payment date, not date payment was created.
5Can be self-managed within internet banking up to $10,000.
6Higher limits, up to the maximum allowable limit available upon request by contacting us, however will require a mobile number for payment authorisations, and are subject to approval.
7Some BPAY Billers may impose their own limits on the amount they will accept.
8Contact us if you wish to request a modification to your PayTo authorisation limit.
Note: By increasing your Daily Payment Limit to a higher amount than the default limit, you acknowledge that this may increase any potential liability through unauthorised transactions or fraud.
| Payment Type | Daily Limit |
| Cash Withdrawal | $1,000 per account9 |
| Automatic Transfer (transfers to another account) | Unlimited |
9Larger withdrawals available by request and are subject to availability.
Managing payment limits
You are able manage your internet banking payment limits for Pay Anyone, Osko®, and BPAY®; provided that you have full internet banking access. To access limits greater than $10,000 call 13 19 87 or visit a branch.
To manage payment limits on internet banking:
- Login to internet banking
- Hover mouse over Settings and select Manage payment limits (or when on a mobile device navigate to the menu and select Settings then Manage payment limits)
- Select the Payment type you wish to manage, and click Payment limits
- Your Maximum limit and Current limit will be displayed
- To make a change, enter your new limit and click continue
- Follow the verification steps
To manage payment limits on our mobile app:
- Login to the application
- Navigate to Profile, and select Payment settings
- Tap the Daily limits section of the screen
- Select the Payment type you wish to manage, and click Payment limits
- Your Maximum limit and Current limit will be displayed
- To make a change, enter your new limit and click continue
- Follow the verification steps
Add your eligible Visa Debit card to the Digital Wallet and tap to pay straight away after opening a new account online. No need to wait for your physical card to arrive.
Terms and conditions apply for internet banking and the banking app.
Terms and conditions apply to payment facilities.
Osko and BPAY are registered to BPAY Pty Ltd ABN 69 079 137 518.
PayID and PayTo are registered trademarks of NPP Australia Limited.
You should review the relevant payment facility terms and conditions available on our website before deciding whether a service is appropriate for your personal circumstances.
#Visa Debit cards and Cheque Books are subject to approval.
Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. *For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531. Cashcards and Business+ Credit Cards are not eligible.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC. Cashcards and Business+ Credit Cards are not eligible.