EUR Card Limits and Restrictions

These are EUR card limits, not general Kolo account limits.

Your Kolo account may also have its own spending or transaction limits. The EUR card limits apply in addition to those Kolo limits, not instead of them. If either limit is reached, the transaction may be declined.

What These Limits Apply To

These limits apply specifically to the EUR card.

They cover:

card purchases
cash withdrawals
certain restricted transaction types

They do not replace the general Kolo account limits shown in the app.

EUR Card Purchase Limits

According to the current Wirex Pay documentation, the following purchase limits apply to the card:

Limit Type	Amount
Max purchase amount per transaction	30,000 EUR
Max purchase amount per day	30,000 EUR
Max purchase amount per month	30,000 EUR
Max purchase amount per 3 months	75,000 EUR
Max purchase amount per 6 months	100,000 EUR
Max purchase count per day	Unlimited

EUR Card Cash Withdrawal Limits

The following limits apply to ATM cash withdrawals:

Limit Type	Amount
Max cash withdrawal amount per day	500 EUR
Max cash withdrawal amount per month	5,000 EUR
Max cash withdrawal count per day	5

Kolo Limits Still Apply Separately

Kolo also has its own account-level spending and transaction limits.

This means:

the EUR card has its own card-program limits
your Kolo account may also have separate Kolo limits
a payment must fit both sets of limits to go through

For example, even if a transaction is within the EUR card limit, it may still be declined if your Kolo account limit has already been reached.

To check your Kolo account limits, open: Profile → Limits

There, you can see your total limits, remaining amount, and reset time.

Transaction Restrictions

In addition to amount limits, Wirex also restricts certain transaction types.

Restricted MCCs

Wirex Pay currently lists the following blocked MCCs:

5122 — Drugs, Drug Proprietaries, and Druggist Sundries
5169 — Chemicals and Allied Products, Not Elsewhere Classified
5960 — Direct Marketing — Insurance Services
5962 — Direct Marketing — Travel-Related Arrangement Services
5966 — Direct Marketing — Outbound Telemarketing
7273 — Dating and Escort Services
7297 — Massage Parlors
7801 — Government-Owned Lotteries

If a merchant is classified under one of these MCCs, the payment may be declined automatically.

Restricted Merchant Geography

Transactions may also be restricted for merchants located in certain countries or regions, including:

SDN
Syria
Venezuela
Zimbabwe
Afghanistan
Bosnia and Herzegovina
Belarus
Central African Republic
Democratic Republic of the Congo
Cuba
Ethiopia
Iran
Iraq
Lebanon
Libya
Myanmar
Nicaragua
North Korea
Palestine
Russia

Restricted Transaction Currencies

Wirex Pay also lists restrictions for transactions in the following currencies:

If a transaction falls under one of these restricted conditions, it may be declined even if your available balance is sufficient.

Why a EUR Card Transaction May Be Declined

A EUR card transaction may be declined if:

the transaction amount exceeds a EUR card limit
your cash withdrawal limit is reached
the merchant category is restricted
the merchant location is restricted
the transaction currency is restricted
your Kolo account-level limit is reached
the merchant is not supported
fraud is suspected, or the card was reported lost, stolen, or compromised
there aren’t enough funds available
the card has expired
this type of transaction isn’t allowed for your card
the card is blocked or restricted from use
the withdrawal amount or number of withdrawals has been exceeded
the transaction was cancelled or reversed
the transaction was declined on the bank’s or terminal’s side
a technical or formatting error occurred while processing the payment — please try again

FAQ

If my transaction is within the EUR card limit, can it still be declined?

Yes. Even if a payment is within the EUR card limits, it can still be declined for another reason, such as Kolo account-level limits or Wirex transaction restrictions related to merchant category, merchant geography, or transaction currency.

Can a cash withdrawal fail even if card payments still work?

Yes. Wirex documents separate purchase limits from cash withdrawal limits, so ATM withdrawals can be restricted independently from card purchases.

Does “unlimited purchase count per day” mean there are no restrictions on purchases?

No. Wirex says the count of purchase transactions per day is unlimited, but amount limits and transaction restrictions still apply.

Need Help?

If your EUR card payment was declined and you are not sure why, contact support and share:

the transaction amount
the merchant name
the currency
the approximate date and time of the attempt

This helps us check whether the decline was caused by a card limit, a transaction restriction, or another rule.