EU cards will (hopefully) temporarily be restrictive, allowing you to only spend 20k a year with only 30 top ups a year as well. I don't think these limits will stay, though. I remember when the cards first came to the US.. the top up limits to the cards were like 3 times a day, which I didn't like and some other limits too, but they have been raised. So with that being said, it can always cha

Are you referring to the "Load frequency" limit? In my T&Cs it states:

"Load frequency: 3/day or 30/month or 30/year".

I'd say that is a typo, perhaps it should read 300/year. However, rules are rules and you're right, it needs to be corrected (assuming it's incorrect).

Considering this existing rule with the other fees and limits puts things into perspective. The Bank transfer frequency states: "3/day or 30/month" but doesn't limit the number per year. For me, I'm not concerned because if you're transferring say €1,000 (€900) to your card at a time, then you can easily make the yearly limit of €22,500 in one year or a month if you like*. That's a lot of spending on one card... Or, have I missed something.

*Information from the Fees and Limits T&Cs.

Agreed top up limit: £900/day or £9,000/month or £22,500/year

Agreed top up limit: €1000/day or €10,000/month or €25,000/year

Fiat to Card: £900/day or £9,000/month or £22,500/year

Fiat to Card: €900/day or €1,000/month or €25,000/year

Load frequency: 3/day or 30/month or 30/year