Debit card usage limits

Important Update

In response to feedback from members, we’re making changes to the Terms & Conditions for our London Mutual Credit Union Visa® Debit cards.

Please ensure you have read the updated Terms & Conditions carefully.

View Card Terms & Conditions (PDF)

What’s Changing?

We’re increasing the usage limits on your Visa Debit card. This includes raising the number of permitted transactions and spending limits over daily, weekly, and monthly periods.

These changes are designed to reduce the chance of your card being blocked during normal use, and to help you use your card more easily without unnecessary interruptions.

The New Limits

Area	Period	Maximum number	Maximum amount per period	Maximum single amount
ATM (cash withdrawal)	24 Hours	5	£300.00	£300
ATM (cash withdrawal)	Week	25	£1,000.00	£300
ATM (cash withdrawal)	Month	85	£1,500.00	£300
Retail	24 Hours	25	£10,000.00	£10,000
Retail	Week	105	£25,000.00	£10,000
Retail	Month	450	£35,000.00	£10,000
All	24 Hours	30	£10,300.00	£10,000
All	Week	130	£26,000.00	£10,000
All	Month	535	£37,000.00	£10,000

Accepting These New Terms

If you’re happy with the updated terms, you don’t need to do anything—we’ll assume you accept the changes.

If you don’t agree, you can let us know. Your card agreement will be terminated and you’ll no longer be able to use your debit card.

Need Help?

If you have any questions or if you do not accept the new Terms & Conditions, please get in touch.

You can contact us by sending a secure message through the mobile app, calling 0203 773 1751, or emailing help@creditunion.co.uk.