# Making a large payment **URL:** \ **Category:** Monzo Chat\ **Created:** [17 October 2018 13:07 UTC](https://community.monzo.com/t/making-a-large-payment/49676 "2018-10-17T13:07:44Z")\ **Posts on this page:** 14\ **Page:** 1
**Author:** ![davorg](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/davorg/32/99645_2.png) [@davorg](https://community.monzo.com/u/davorg)\ **Post date:** [17 October 2018 13:07 UTC](https://community.monzo.com/t/making-a-large-payment/49676/1 "2018-10-17T13:07:44Z")
Hi all, At some point in the next few days, I need to go into a shop and make a large payment (like many thousands of pounds big). I’m planning to do this with my Monzo debit card. The money will be in my account, but I’d just like to reassure myself that this isn’t going to be a problem. Is this going to work? Thanks, Dave… ---
**Author:** ![anon75875116](https://avatars.discourse-cdn.com/v4/letter/a/919ad9/32.png) [@anon75875116](https://community.monzo.com/u/anon75875116)\ **Post date:** [17 October 2018 13:09 UTC](https://community.monzo.com/t/making-a-large-payment/49676/2 "2018-10-17T13:09:05Z")
Notify Monzo through in app chat, just to make certain. 🙂 There’s a hard daily card transaction limit of £10K, so you will definitely need to get in touch if it’s over this. **Edit:** @Rat_au_van ninja’d ny edit. Again! ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [17 October 2018 13:10 UTC](https://community.monzo.com/t/making-a-large-payment/49676/3 "2018-10-17T13:10:38Z")
Daily limit is £10,000 but if it’s massively outside your normal spending habits I’d do as @anon75875116 suggests and let them know in app ---
**Author:** ![Anarchist](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/anarchist/32/27895_2.png) [@Anarchist](https://community.monzo.com/u/Anarchist)\ **Post date:** [17 October 2018 13:13 UTC](https://community.monzo.com/t/making-a-large-payment/49676/4 "2018-10-17T13:13:14Z")
> [@davorg](#): > > Is this going to work? There’s no reason it shouldn’t. As @anon75875116 said, notify them if you’re concerned. If it were me, I’d try to make sure you’ve an alternative method of payment with you, if possible. Even if it that’s only having the ability to transfer the money to another bank/card and then using that. ---
**Author:** ![anon77734705](https://avatars.discourse-cdn.com/v4/letter/a/7ba0ec/32.png) [@anon77734705](https://community.monzo.com/u/anon77734705)\ **Post date:** [17 October 2018 13:26 UTC](https://community.monzo.com/t/making-a-large-payment/49676/5 "2018-10-17T13:26:27Z")
You’ve received sound advice so far. If it’s below the daily limits, which is £10,000 (and you can check these in your app) you should be good 👌 If it’s more or you have any issues, please get in touch! ---
**Author:** ![davorg](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/davorg/32/99645_2.png) [@davorg](https://community.monzo.com/u/davorg)\ **Post date:** [17 October 2018 13:30 UTC](https://community.monzo.com/t/making-a-large-payment/49676/6 "2018-10-17T13:30:23Z")
Thanks everyone. The amount is under £10,000, so I it looks like I should be ok. But I’ve already sent a message using the in-app chat. Cheers, Dave… ---
**Author:** ![DazF](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/dazf/32/20424_2.png) [@DazF](https://community.monzo.com/u/DazF)\ **Post date:** [17 October 2018 15:36 UTC](https://community.monzo.com/t/making-a-large-payment/49676/7 "2018-10-17T15:36:14Z")
I have to say, that 3 weeks ago I Monzo’d just under £20k to a car dealer following great advice on here. As you will be under the £10k daily limit there shouldn’t be an issue. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [17 October 2018 17:13 UTC](https://community.monzo.com/t/making-a-large-payment/49676/8 "2018-10-17T17:13:42Z")
As the purchase/service costs more than £100 and less than £30,000 I’d strongly recommend you consider paying for it partly on a credit card if you can. The credit card company is jointly liable in the event the contract is breached (eg. the seller goes bust) or the item/service is misrepresented. You don’t even need to reach a legal ‘stalemate’ with the seller, and the protection is enshrined in law making it stronger than a debit card chargeback. Even if you pay just £1 on your credit card, you’ll be covered. ---
**Author:** ![davorg](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/davorg/32/99645_2.png) [@davorg](https://community.monzo.com/u/davorg)\ **Post date:** [17 October 2018 17:31 UTC](https://community.monzo.com/t/making-a-large-payment/49676/9 "2018-10-17T17:31:40Z")
I understand that, thanks. ---
**Author:** ![Demmedelusive](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/demmedelusive/32/62464_2.png) [@Demmedelusive](https://community.monzo.com/u/Demmedelusive)\ **Post date:** [17 October 2018 17:49 UTC](https://community.monzo.com/t/making-a-large-payment/49676/10 "2018-10-17T17:49:24Z")
> [@anon75875116](#): > > **Edit:** @Rat_au_van ninja’d my edit. Again! @anon75875116 & @Rat_au_van…a well-oiled machine 😀 ---
**Author:** ![Demmedelusive](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/demmedelusive/32/62464_2.png) [@Demmedelusive](https://community.monzo.com/u/Demmedelusive)\ **Post date:** [17 October 2018 17:50 UTC](https://community.monzo.com/t/making-a-large-payment/49676/11 "2018-10-17T17:50:29Z")
Excellent support all round, by my book 😀 Now all that’s missing is a picture of the item in question…😁 ---
**Author:** ![davorg](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/davorg/32/99645_2.png) [@davorg](https://community.monzo.com/u/davorg)\ **Post date:** [17 October 2018 19:25 UTC](https://community.monzo.com/t/making-a-large-payment/49676/12 "2018-10-17T19:25:05Z")
Here you go… ![image%20(1)](https://cdck-file-uploads-global.s3.dualstack.us-west-2.amazonaws.com/monzo/original/3X/7/e/7e0c28a27ddb5788c974edf92f49c5e297ba9345.jpeg) (I simplified slightly, when saying it was a shop.) ---
**Author:** ![Demmedelusive](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/demmedelusive/32/62464_2.png) [@Demmedelusive](https://community.monzo.com/u/Demmedelusive)\ **Post date:** [17 October 2018 19:44 UTC](https://community.monzo.com/t/making-a-large-payment/49676/13 "2018-10-17T19:44:44Z")
Nice, very nice. Now I’m taking a punt, but I reckon you’re not being selfish, buying it for yourself so…you’re probably about to be off washing-up duty for some time to come? A fine purchase. 😀 ---
**Author:** ![system](https://global.discourse-cdn.com/monzo/original/3X/a/e/aedf2f7852aef6ffcd99f29eac49128cfbd2ecc3.svg) [@system](https://community.monzo.com/u/system)\ **Post date:** [15 April 2019 19:44 UTC](https://community.monzo.com/t/making-a-large-payment/49676/14 "2019-04-15T19:44:46Z")
This topic was automatically closed 180 days after the last reply. New replies are no longer allowed.