Debit Card transaction limits

missile

Hi,
I am buying a car on Saturday.
I would prefer to pay by Santander Debit Card. Can anyone please confirm 123 account Debit Card transaction limit. I believe it is £10,000? I cannot find it on their website and Santander do not answer their telephone. 
I also have current accounts with RBS, TSB and NW. Can anyone please confirm what their Debit Card transaction limits are?

Neil_Jones

In theory £25k, but in practice whatever the amount is in your account + your overdraft (if any).

Catplan

So I’ve done more again buying a car; garage pops card in card machine; the card machine then gave a number to call. I’d paid a deposit off £500 the week before via app from this account. I explained it was for car purchase on phone; it was Santander lite 123, they wanted me to to go through security to confirm it was me but I paid a balance of £11,500 using my debit card. Took a few minutes but was straight forward enough this was March 2019. I then taxed car online using same card before driving home. It’s worth asking them though, if you are expecting to use the app to transfer it might be a different story, I think they do limit that as do most to my knowledge.

1882

I bought my car with a debit card and although I'd never spent more than about £20 on it previously it went through without incident. This was before the text verification scheme came in though.

colsten

I paid way more than £20k for a car, in a reputable car dealership, with my Santander debit card. Same experience as Catplan. They will allow you to spend as much as you have in your account using the card. 

jonesMUFCforever

These days I do not think there is an upper limit on debit card transactions.
I think some of the above posters were mixing up Faster payment limits with debit card ones.

4justice2

I paid just over £10,000 for a car using my Santander debit card two years ago. Went straight through fine.

born_again

missile said:

Hi,
I am buying a car on Saturday.
I would prefer to pay by Santander Debit Card. Can anyone please confirm 123 account Debit Card transaction limit. I believe it is £10,000? I cannot find it on their website and Santander do not answer their telephone. 
I also have current accounts with RBS, TSB and NW. Can anyone please confirm what their Debit Card transaction limits are?

No bank should (our reps get a nasty shock if they do) conform their card limits as it is a security risk if fraudsters got hold of the figure.
But as per above Santander will be fine on £10K

Discomikey

You may find that some dealerships will only accept a Bank Transfer for payments now..but they will normally specify this in their paperwork about how to pay for your car

Fingerbobs

colsten said:

I paid way more than £20k for a car, in a reputable car dealership, with my Santander debit card. Same experience as Catplan. They will allow you to spend as much as you have in your account using the card. 

Me too. I've spent way more than £10k on a Santander debit card with no problems whatsoever.

jonesMUFCforever

Discomikey said:

You may find that some dealerships will only accept a Bank Transfer for payments now..but they will normally specify this in their paperwork about how to pay for your car

If they did that to me I would walk!
It could be a sign of financial pressures on the company.
Pay for that car by bank transfer today - get there tomorrow to pick up the car and find the premises locked up and empty - result = loss of money and car.
Pay by debit card result = chargeback your money back and go somewhere else for a car.