Have more control of your own payment limits

Manage your payment limits

Online banking available to customers aged 11+ with an Isle of Man Bank account. App available to customers aged 11+ with compatible iOS & Android devices and an Isle of Man, UK or international mobile number in specific countries.

To amend your personalised payment limits, you will need a card reader or mobile app registered for biometric approval and your online banking login details. Biometric approval is available to eligible app customers aged 16 or over.

On this page

What are payment limits?

How to manage your payment limits

Restrict payments made with your debit card

Report fraud or a scam

What are payment limits?

Payment limits set the maximum amount you can pay across all services each working day. To help protect you from fraud and scams, you can adjust your daily payment limits based on your needs.

These limits apply to payments made from your personal or business account to other people.
Bill payments are not included in these limits.

Are payment limits set per account or per person?

The daily payment limits apply to each person, not each account. For example, if you set your limit to £2,000, you cannot exceed that amount in total payments from all your accounts each day.

For joint accounts, if one person makes a payment, it will reduce the daily payment limit for the other account holders.

Please note that payments made on Saturdays, Sundays, or Bank Holidays will count towards the limit for the next working day.

How do I make a payment that exceeds my daily limit?

How to manage your payment limits

You can easily adjust your payment limits through our mobile app or online banking. The daily maximum limits are:

For personal customers: £20,000
For business customers: £50,000

We suggest setting your payment limits at a level that meets your needs for security and convenience.

What you’ll need:

Registration for online banking or the mobile app.
A card reader or our mobile app registered for biometrics approval (available for eligible app users aged 16 and over).

Using our mobile app to change payment limits

Log in to the app.
Tap ‘Payments’ at the bottom of the home screen.
Select ‘Payment settings’.
Choose 'Payment controls'.
Tap 'Payment limits'.
Under 'Manage your limits', pick the limit you want to change.
Set your new limit and press 'Next'.
Use biometric approval to confirm it’s you making the change.
Review your change and tap 'Confirm'.

Once you've completed these steps, you’ll receive a confirmation that your payment limit has been successfully updated.

Using online banking to change payment limits

Log in to online banking
In the main menu, select 'Payments & transfers'.
Select 'Manage Payment Limits' under the 'Payments & Transfers' section.
Choose the payment limit you want to change and click ‘Amend Limit’.
Enter the payment limit you wish to set.
Read the ‘Stop and Think’ warning. If you agree, tick the box to proceed.
Select ‘Next’ and review the limit change.
Use your card reader or mobile app for biometric approval to confirm the change.

Once you've completed these steps, you’ll receive a confirmation that your payment limit has been successfully updated.

Restrict payments made with your debit card

With our mobile app, you can easily block specific types of transactions on your debit card, including:

Contactless payments
Online purchases
Gambling payments

You can also freeze or unfreeze your debit card anytime using the mobile app or online banking.

Managing your payment controls