Most Canadians assume their debit “tap” limit is fixed, but many banks allow you to customize your contactless transaction limit inside the app.
Why some Canadians adjust limits:
Increase limit: For convenience when making larger purchases without inserting the card
Decrease limit: For added peace of mind in case a wallet or card is lost
Temporary changes: Useful for travel or high-spending months
This setting does not affect the overall daily spending limit — only the single transaction tap limit.
Many people don’t know this option exists, even though it's easy to modify.