Payment limits
Greater Bank Daily Payment Limits
This page was updated on 8 April 2025, to note the limits that apply to PayTo, which was introduced from 8 April 2025 for eligible accounts.
This page was introduced on 1 April 2025, to:
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Replace Transaction Limit information contained within Product Schedules.
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Note the sub-limit that applies for card transfers to payment wallets or cards held with other financial institutions, following a recent change by Visa to separately categorise these transaction types.
Limits are subject to available balance, credit limit and product restrictions. Fees may apply to these transactions. For more information, see the relevant terms and conditions. Limits are subject to our discretion and lower limits may be applied to higher risk transactions, such as payments to cryptocurrency exchanges.
| Payment Type | Maximum Limit1 |
| Visa Debit purchases | $10,000 per card, per day2 |
| Visa Credit purchases |
$10,000 per card, per day |
| Cash withdrawals or advances e.g. through ATM or eftpos | $1,500 per card, per day |
| Apple Pay | Same as card purchase limit |
| Google Pay™ | $500 USD per transaction up to the card purchase limit3 |
| Personal Online Banking - Payment Type | Daily Limit4 |
| Pay Anyone | $25,000 |
| Osko® | $5,000 |
| BPAY®5 | Unlimited amount |
| PayTo6 |
Payment Agreement authorisations: $5,000 Sub-limit for Payment Agreements that allow 'anytime' or multiple payments made within a day: $1,000 |
| Business Online Banking - Payment Type | Daily Limit |
| Pay Anyone |
$25,000 |
| Osko | $5,000 |
| BPAY5 | Unlimited amount |
| PayTo6 |
Payment Agreement authorisations: $5,000 Sub-limit for Payment Agreements that allow 'anytime' or multiple payments made within a day: $1,000 |
| Payment Type | Daily Limit |
| Cash withdrawal | $2,5007 per account |
| Third party transfers and one-off payments |
$50,000 |
1 Some merchants (stores) or ATM providers may apply lower limits.
2 A sub-limit of $1,500 per card, per day applies to transfers to payment wallets or other cards (except for transfers to Greater Bank or Newcastle Permanent).
3 The same transaction limits on your card apply to Google Pay, however, an individual transaction limit of USD $500.00 also applies to Google Pay. There is a limit on how many offline transactions that can be made before an internet connection (mobile data or Wi-Fi) is required. You can use your physical card where these Google Pay limits have been reached. Note: you may be required to enter a PIN for some older merchant terminals.
4 These limits are cumulative across all your accounts and based on payment date, not date payment was created. Higher limits, up to the maximum allowable limit available upon request by contacting us, however will require a mobile number for payment authorisations, and are subject to approval. Note: By increasing your Daily Payment Limits to a higher amount, you acknowledge that this may increase any potential liability through unauthorised transactions or fraud.
5 Some BPAY Billers may impose their own limits on the amount they will accept.
6 Contact us if you wish to request a modification to your PayTo authorisation limit.
7 Larger withdrawals available by request and are subject to availability.
Terms and conditions apply to payment facilities.
Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. *For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531
Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC.
®Osko and BPAY are registered to BPAY Pty Ltd ABN 69 079 137 518.
PayTo is a registered trademark of NPP Australia Limited.