Card top-up makes funds from your balance available on your card for spending or withdrawing from an ATM. Spend limits specify the maximum amount that can actually be spent for a defined period.
Example 1: Your USD card is topped up to 10,000.00 USD and your daily spend limit is 5,000.00 USD.
If you spend 5,000.00 USD in the morning, you cannot spend any more that day.
Example 2: Your USD card is topped up to 10,000.00 USD and your daily spend limit is 10,000.00 USD.
If you spend 5,000.00 USD in the morning, you can spend another 5,000.00 USD that day.
Example 3: You have a primary USD card and 3 linked USD cards. Your primary USD card is topped up to 10,000.00 USD at the start of the day (this is the maximum that you'll be able to use on your card that day) and your daily spend limit is 5,000.00 USD on each of the 4 cards.
If you spend 5,000.00 USD in the morning on one card, you’ll be able to spend another 5,000.00 USD in total on any of the other 3 USD cards.