Card Security
Spending Limits
Based Orange and HYPE cards have a daily spending limit of S$3,000. Based Gold has a higher daily limit.
If you need a higher spending limit, contact us via in-app support
Transaction Declines
Transactions may be declined for the following reasons:
Insufficient funds in your account
Spending at a prohibited merchant category (imposed by the financial service provider)
Transaction amount exceeded your daily card limit
Transaction flagged as high-risk by Visa
If you believe a transaction was declined in error, contact support via the in-app chat or email compliance@based.one
Lost or Stolen Card
If you lose your physical card:
Log in to the Based app immediately and report the card as lost. Your card will be locked to prevent unauthorized spending.
Contact support to request a replacement. Replacement cards typically arrive within 2 weeks. A card replacement fee may apply.
Fraudulent Transactions
Based uses fraud-detection systems to proactively protect cardholders. If you notice a fraudulent transaction:
Freeze your card
Immediately lock your card through the Based app to prevent further unauthorized use.
Report to support
Contact the support team to report the fraudulent activity. The team will assist with initiating a dispute or chargeback process according to Visa's regulations.
Based facilitates dispute processes in line with industry standards and Visa's network rules. Based does not directly cover financial losses from fraudulent transactions. Most disputes can be successfully contested based on our experience.
Disputes may not be successful in certain situations:
Failure to promptly report the unauthorized transaction
Transactions you authorized, even if the purchase was unsatisfactory or involves a merchant dispute
Insufficient documentation or evidence during the dispute process
Fraudulent or unjustified claims may incur fees or penalties as defined by Visa's policies.
Cancelling Your Card
To cancel your card, contact support via in-app chat. Cancellation permanently deactivates the card and no new transactions can be made.
If you change your mind after cancellation, a card replacement fee will apply. Contact support to reapply.
Last updated