About your card spending limits
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Pemo cards come with specific limits set by your organization's Admin to help manage spending. Here’s a quick rundown of the key limits and how they work:
Spending Limit: This is the total amount you can spend within a defined period. Your Admin can set this limit on a daily, weekly, monthly, or yearly basis. Once you hit the limit, your card will be declined until the next cycle begins.
Your card usage will be tracked at a monthly level. If your limit is set daily or weekly, click below to see how to calculate your total monthly spend limit.
Transaction Limit: This cap controls the highest amount you can spend in a single purchase. If you attempt to make a purchase that exceeds this limit, your card will be declined.
ATM Withdrawals (Physical Cards Only): If your Admin enables ATM withdrawals, you’ll be able to withdraw cash from ATMs using your card.
ATM Withdrawal Limit (if withdrawals are enabled): Your Admin can also set a withdrawal limit for the card. This limit controls how much cash you can withdraw from ATMs. If the limit is reached, any further withdrawals will be declined.
Allowed Spending Categories: Your Admin has pre-approved certain categories for spending with your Pemo card. Purchases outside of these categories will be declined, ensuring your card is used only for authorized expenses.
Allowed Spending Locations: Your Admin can restrict where your card can be used by selecting from the following options:
International: Your card can be used for transactions globally.
United Arab Emirates (Local): Only local transactions within the UAE will be allowed. All international transactions, including online purchases, will be declined.
Selected Countries: Transactions are permitted only in specific countries chosen by your Admin.
Transaction Types (Coming Soon): Your Admin can enable or restrict different types of transactions, including:
Online Payments: For transactions made online.
POS Transactions: For in-person payments made using a Point of Sale (POS) terminal.
To ensure compliance and maintain accurate accounting of cash transactions, we’ve set limits on all cash withdrawals. These limits represent the maximum allowable amount but may be lower based on restrictions set by the administrator of your Pemo account. See limits below.
10,000
20,000
35,000
70,000
Stay in control and know your limits—Pemo’s got you covered!
Want to check your card limits? Here's how:
Open the Pemo app and head to the "Cards" tab.
If you have multiple cards, scroll to the one you want to check.
You’ll see your card’s period limit and how much you’ve spent so far for that period. For additional limits, click Settings.
Then click Advanced controls and you'll see all of your cards limits here.
