Thanks. The robot was cryptic and I donât have the energy right now to call Lloydâs and ask whatâs going on.
In the past 24hrs Iâve spent about ÂŁ2,000 via Apple Pay..so I guess thatâs my limit? Today Iâve only spent close to ÂŁ1k. Apparently it resets after midnightâŚ
I spent ÂŁ80 yesterday and hit my limit, I normally spend much more than that on my card. The card team on the phone said they donât know what the limit is and it canât be changed or removed either.
They said itâs to protect me, but honestly I feel safer leaving my wallet at home with my cards in it when I go out.
They added it to the FAQ now so it seems like a permanent introduction that everyone will come across sooner or later. They have no other advice than to take your card with you too in case it happens.
The guy also said itâs not official but in his and his colleagues experience it takes a couple of days for the limit to lift.
Iâve not heard anyone who has had fraud done against them via Apple Pay and not even sure how it would be possible. I guess if someone stole your phone but somehow managed to access it, change the biometrics the could in theory use Apple Pay but itâs a stretch compared to contactless cards. Happy to be corrected on that though.
People can be negligent and auth their card to someone elseâs device and then fraud occur from there, happened many times at Barclays.
Ah yeah. Never thought about that. Have done that myself before (added csrd to device not fraud lol) so I can see why.
Would be nice to know limits just like you can with contactless
Probably the end for me and Lloyds. I canât have an unknown limit on the number or value of transactions that canât be known or adjusted that I can make via Apple Pay - it defeats the whole purpose of Apple Pay for me in that I need to take my cards too, just in case they do it
It honestly was the most confusing experience trying to leave the cab and my Apple Pay was declining.
No alerts or messages from LloydsâŚof course assumed something âbadâ was going on so I checked my account, but it all looked fine.
Does Barclays have hidden Apple Pay limits? Iâm new to the UK and UK Banking, Lloyds Premier is my first and only account so I donât know how normal this (or not). Iâve never ever heard of a bank having hidden daily Apple Pay limitsâŚ
Itâs new to me I know that. No idea about Barclays Iâm afraid. Itâs certainly not a good experience especially if no warning. At least send a notification to say Use physical card as youâve hit your limit or something. Just bring the limits into the app like you can already if using your physical card.
I thought the FAQ has said that for ages? Sounds less like a limit in the true sense and more like a fraud trigger etc.
the reality is though that any transaction could not go through for any number of reasons I.e. fraud checks, technical issues etc with any bank so the only âsafeâ approach is to have multiple cards from different banks
For what itâs worth I tried using Apple Pay at Waitrose after the cab decline, and it declined at Waitrose as well. I shop there almost daily, I highly doubt this was a fraud block as fraud presumably would have set account alarms off. Ultimately, the chat robot told me it was declined due to a daily Apple Pay limitâŚwhich is undisclosed and they wonât tell me.
All I have to go off of is my past 24hrs of transactions which is roughly ÂŁ2k (exclusively Apple Pay).
Maybe this explains why I had a ~ÂŁ1,500 Apple Pay transaction declined on my Halifax credit card a few months ago (same group so I presume similar rules). Iâd never had anything declined with Apple Pay in over 10 years of using it so I thought it was very strange, and it went through fine with Apple Pay with HSBC. Part of the whole point of mobile payments is theyâre authenticated with biometrics so should be as secure as it can be. Sure, you might have the card added fraudulently, but if itâs been added for months it should be trusted at that point.
I have a theory, I donât know what the value is, but maybe it has a 10 transaction limit per day?
Also I think you can tell itâs the Apple Pay block as the transactions donât show in the app at all, they just say declined in the Apple Wallet app
Barclays does not, and no other bank I know of has this issue.
Nationwide also doesnât.
In my experience Lloyds and Lloyds International doesnt have a limit per day on transactions.
I would disagree, Lloyds do have a limit. Other banks show you that limit but Lloyds wonât disclose it.
I got an email saying my Curve account is scheduled for closure due to inactivity.
Iâll just let it close.
That is ridiculous. I paid a Ford dealership ÂŁ672 in January in a single transaction, ÂŁ938 January last year in a single transaction, paid petro of ÂŁ85 recently no issues, paid over ÂŁ100 at grocery stores too recently with no issues, River Island store over ÂŁ100. Something is wrong.
Maybe it was the number of transactions I did rather than the amount then, as it seemed to stop at 10 but maybe that was coincidence.
Thatâs the most frustrating part, Lloyds having it as an unseen and unknown mystery
I am going to keep using one card and see how far their limits go with me, otherwise I will stop using them altogether. The fact that they set a limit they also claim not to know makes it even more stupid.
The three times I have had declines on Apple pay with them were all at Apple and had to call to let the transactions go through after a retry, but that was notified via SMS and reason for fraud blah blah not a limit.
