You can change two types of limits. The first is ATM limits. These are daily cash limits such as ATM cash withdrawals. Changing ATM limits is only available in the app for physical cards. To change ATM withdrawal limits on virtual cards, please contact us. The second type is non-cash payments i.e. in-store payments.For each type of transaction, the minimum limit you can set is 0. Settlement currency is the default currency assigned to the country of your card from which funds are drawn first (e.g. for PL card PLN currency, for DE card EUR currency).