What are Net Spend Limits?
Net Spend Limits let you control how much you spend on Midnite over time.
You set a daily, weekly, or monthly limit that works for you — simple as that.
Previously called Net Deposit Limit: You may still see the term Net Deposit Limit in some parts of our website or app while we complete the transition. It works exactly the same way — only the name has changed.
How They Work
These limits are based on your net spend:
Deposits – Withdrawals = Net Spend
So instead of just counting what you put in, it reflects what you’ve actually spent.
Example:
Monthly limit: £50
You deposit £50
Then withdraw £100
Your net spend is now -£50
That means you could still deposit up to £100 before hitting your £50 limit.
Staying Flexible
You’re in control — but changes work slightly differently depending on what you do:
Lowering your limit (more restrictive) → happens immediately
Increasing your limit (less restrictive) → takes 24 hours to take effect
That delay is there for a reason — it gives you time to pause and think before increasing your spend.
Why It Matters
Setting a limit you’re comfortable with helps keep things exactly where they should be — fun and in control.
When We Step In
In some cases, our Responsible Team may apply a mandatory net spend limit to your account.
If you’d like to request a change, just reach out to Support — they’ll talk you through your options.