It can only be done by a Director or an Account Owner. The card limit edition differs between Railsbank, EML, and Modulr as BaaS.

Modifying card limit for Railsbank and EML

• Entering an existing card (ACTIVE), a Director or Account Owner will have the option to select 'Modify limits' from the 3 dots menu.
  • If a card's status is BLOCKED or CANCEL, this option will not be available.
• Once the option is selected, a new page will open to be able to modify the limits configured when the card was issued.
  • Business and Consumer cards will have the option to be modified on limits:
    • Limit per transaction: maximum and minimum amount per transaction
      • Min: 1 GBP / 1 €
      • Max: 100.000 GBP / 115.000 €
    • Daily limit: maximum and minimum amount to be spent in a day
      • Min: 1 GBP / 1 €
      • Max: 100.000 GBP / 115.000 €
    • Monthly limit: maximum and minimum amount to be spent in a month
      • Min: 1 GBP / 1 €
      • Max: 250.000 GBP / 290.000 €
• After card limits are edited, a security code will be needed to confirm the changes.
• If the security code is correct, a successful message will be shown.
  • If not, an error message will be shown in the security code modal and no changes will be applied.

Modulr - Director or Account Owner options

• Entering an existing card (ACTIVE), a Director or Account Owner will have the option to select 'Modify limits' from the 3 dots menu.
  • If a card's status is BLOCK or CANCEL, this option will not be available.
• Once the option is selected, a new page will be open to modifying the limits configured when the card was issued.
  • Lifetime spend limits: could be edited after issuing a card. However, once it reaches said limit it will automatically 'expire' and the card will appear as cancelled.
    • Business cards:
      • Lifetime spend limit: Total amount that can be spent on a card lifetime. Once the card reaches the limit, it will be cancelled and unavailable.
        • Min: 1 GBP / 1 €
        • Max: 500.000 GBP / 500.000 €
    • Consumer cards:
      • Lifetime spend limit: Total amount that can be spent on a card lifetime. Once the card reaches the limit, it will be cancelled and unavailable.
        • Min: 1 GBP / 1 €
        • Max: 250.000 GBP / 295.000 €
• Transaction limit: it can only be modified when issuing a card. After that, it cannot be modified anymore. It will be shown as a disabled field while editing card limits.
• After card limits are edited, a security code will be needed to confirm the changes.
  • If the security code is correct, a successful message will be shown.
  • If not, an error message will be shown in the security code modal and no changes will be applied.

View card page details

A Director or Account Owner can review every card on the platform. All details shown will be the following:

• The account that the card belongs to (cardholder name)
• Card status: active, issue, blocked or cancelled
• Card type: virtual or physical
• Card product: debit
• Card scheme: VISA
• Card limits: lifetime spend limit (highlighted) and transaction limit
• Card design:
  • Cardholder name
  • Security card details masked
• Modals for other actions:
  • Block/Unblock
  • Card details:
    • Cardholder name
    • Name on card
    • Account to whom it belongs (cardholder name)
    • Card type
    • Card limits
  • Modify limits
  • Cancel
• Cards transaction list