Card Limits

Before You Start

Read the following guides before proceeding:

Guide	Why
Getting Started	Platform overview and setup
Api Basics	Required headers and request configuration
Authentication	How to obtain access tokens
Onboarding	User and wallet registration
KYC	KYC verification requirements

Overview

Card limits control the maximum amount that can be spent using a card within a day. You can:

Set a daily spending limit
Disable the limit entirely
View current limit and usage

Get Current Limits

Card limits are returned as part of the card response when retrieving card details.

GET /api/v1/cards/{cardId}

The response includes a limit object:

{
  "id": "64120850-73a1-4df5-a074-d463258c9deb",
  "status": "Active",
  "limit": {
    "daily_limit": 1000.00,
    "daily_usage": 250.00,
    "monthly_limit": -1,
    "monthly_usage": 500.00,
    "lifetime_limit": -1,
    "lifetime_usage": 1500.00,
    "currency": "EUR"
  }
}

Field	Description
`daily_limit`	Maximum daily spend. `-1` means no limit.
`daily_usage`	Amount already spent today
`monthly_limit`	Maximum monthly spend. `-1` means no limit.
`monthly_usage`	Amount already spent this month
`lifetime_limit`	Maximum lifetime spend. `-1` means no limit.
`lifetime_usage`	Total amount spent on this card
`currency`	Limit currency (EUR)

Set Daily Limit

Update the daily spending limit for a card.

PUT /api/v1/cards/{cardId}/limit

Request

{
  "limit": 1000.00
}

Field	Type	Required	Description
`limit`	number	Yes	New daily limit. Set to `-1` to disable the limit.

Code Examples

await fetch(`${baseUrl}/api/v1/cards/${cardId}/limit`, {
  method: 'PUT',
  headers: {
    'Authorization': `Bearer ${accessToken}`,
    'X-User-Address': userEoaAddress,
    'X-Chain-Id': chainId,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    limit: 1000.00
  })
});

requests.put(
    f"{base_url}/api/v1/cards/{card_id}/limit",
    headers={
        "Authorization": f"Bearer {access_token}",
        "X-User-Address": user_eoa_address,
        "X-Chain-Id": chain_id,
        "Content-Type": "application/json"
    },
    json={"limit": 1000.00}
)

body, _ := json.Marshal(map[string]float64{"limit": 1000.00})
req, _ := http.NewRequest("PUT", baseURL+"/api/v1/cards/"+cardID+"/limit", bytes.NewBuffer(body))
req.Header.Set("Authorization", "Bearer "+accessToken)
req.Header.Set("X-User-Address", userEoaAddress)
req.Header.Set("X-Chain-Id", chainId)
req.Header.Set("Content-Type", "application/json")

http.DefaultClient.Do(req)

Response

Empty response on success (200 OK).

Disable Limit

To remove the daily spending limit entirely, set limit to -1:

{
  "limit": -1
}

This allows unlimited daily spending on the card.

Limit Webhooks

When card limits are updated, Wirex sends a webhook notification.

Endpoint: POST {your_webhook_base_url}/v2/webhooks/card-limits

{
  "card_id": "64120850-73a1-4df5-a074-d463258c9deb",
  "transaction_limit": -1,
  "daily_limit": 1000.00,
  "daily_usage": 250.00,
  "monthly_limit": -1,
  "monthly_usage": 500.00,
  "lifetime_limit": -1,
  "lifetime_usage": 1500.00
}

Field	Description
`card_id`	Card UUID
`transaction_limit`	Per-transaction limit (`-1` = no limit)
`daily_limit`	Daily spending limit (`-1` = no limit)
`daily_usage`	Amount spent today
`monthly_limit`	Monthly spending limit (`-1` = no limit)
`monthly_usage`	Amount spent this month
`lifetime_limit`	Lifetime spending limit (`-1` = no limit)
`lifetime_usage`	Total amount spent

Error Handling

Validation Errors

Error Reason	Error Details	Description
`ErrorMissingField`	`card_id: missing`	Card ID not provided
`ErrorInvalidField`	`card_id: invalid_uuid`	Card ID is not a valid UUID
`ErrorMissingField`	`limit: missing`	Limit value not provided

Card Status Errors

Error Reason	Error Details	Description
`ErrorInvalidStatus`	`card_status: not_active`	Card must be active to change limits
`ErrorNotFound`	Card not found	Card does not exist or user doesn't own it

Error Response Format

{
  "error_reason": "ErrorInvalidStatus",
  "error_description": "Card is not active",
  "error_category": {
    "category": "CategoryValidationFailure",
    "http_status_code": 400
  },
  "error_details": [
    { "key": "field", "details": "card_status" },
    { "key": "issue", "details": "not_active" }
  ]
}