Having control over your daily cash access is a vital component of personal banking security. St. George Bank allows its customers to manually adjust their daily ATM and EFTPOS cash withdrawal limits directly through their digital banking platforms. This feature is particularly useful for preventing large fraudulent cash withdrawals if your card is stolen, or for safely allowing a one-off larger withdrawal for a significant cash purchase.
By default, the bank sets a standard maximum daily limit for ATM withdrawals, but customers have the flexibility to lower this to zero or maximize it up to the bank's predefined digital cap. Adjusting your limit is instantaneous, ensuring you can manage your cash flow dynamically without needing to visit a physical branch or wait on hold with a customer service representative.
St. George Withdrawal Limit Details
| Category | Details |
|---|---|
| Maximum Daily Limit | Varies depending on card and account type (commonly around $1,000–$2,000). |
| Minimum Daily Limit | May be reduced to $0 for eligible cards, effectively blocking ATM withdrawals. |
| Cardless Cash Limit | Subject to lower daily limits compared to standard ATM withdrawals, like a $500 daily limit and a maximum of 3 withdrawals per day. |
| Branch Withdrawals | Large cash withdrawals may require advance notice at a branch., for example, amounts over $5,000 require advance notice. |
Step-by-Step Guide to Changing Your Limit Online
Using St.George App
- Tap Services at the bottom of your screen
- Tap on Change ATM/EFTPOS Cash Limit under the My Cards menu
- Select your card from the drop-down list
- Select a limit, or Other from the drop-down list
- Tap Confirm.
Using St.George Internet Banking
- Select Manage My Accounts
- Select Manage ATM & EFTPOS Cash Limit under the Card Services menu
- Select your card from the drop-down list
- Set a new limit to a value between $0 and $2000 in the indicated box
- Select Confirm.
Efficiency Hack for Cash Security
Pro-Tip: If you rarely use physical cash, set your daily ATM withdrawal limit to $0 through the St. George App. This creates a hard block on your card for cash advances. Because the app allows instant limit updates, you can quickly increase the limit while standing in front of an ATM, make your withdrawal, and immediately drop the limit back down to $0 for ultimate fraud protection.
Troubleshooting Limit Adjustment Issues
- MFA Delays: When confirming a new, higher cash limit, you will be prompted for a Secure Code via SMS. If this message is delayed, ensure your phone is not in "Do Not Disturb" mode. Alternatively, use the internal St. George App security token to authenticate the change without waiting for cellular delivery.
- Browser Errors: If you are updating the limit via the desktop Internet Banking portal (under Manage My Accounts) and the drop-down list of your active cards fails to load, clear your browser's cookies. Corporate and Business Vantage Credit Cards cannot have their limits adjusted via this portal, which may cause the page to display an error if those are your only active cards.
- Locked ID: Entering your password incorrectly three times while trying to log in and change your limit will temporarily lock your profile. Do not attempt to guess again. Click the Forgot details link to securely reset your credentials and regain access to your card services menu.
Frequently Asked Questions
Can I withdraw more than $2,000 in a single day?
Yes, but not through an ATM. If you need an amount higher than the maximum digital limit (for example, $2,000 ), you must physically attend a St. George branch with valid photo identification. If you require more than the maximum sun, like $5,000 in physical notes, you should contact the branch at least 24 hours in advance to ensure they have the cash availability on site.
Why isn't my card showing up in the change limit menu?
The daily limit can be adjusted digitally for most standard personal credit and debit cards. However, certain card types, such as Corporate Debit cards, Freedom Cards, and Heritage Debit cards, cannot be managed via the app or internet portal. You must call St. George customer service on 13 33 30 to change the limits for these specific cards.
