When you join CoinZoom Prime Rewards, your level is based on the number of ZOOM tokens you hold. Each level offers different privileges for spending with your CoinZoom Crypto Debit Card, as well as deposit and withdrawal limits. For the complete list of limits, see: Deposit, Withdrawal, Spending and Transferring Daily Limits.


The examples below explain how spending limits work for different Prime levels.

Example 1: Point of Sale (POS) Limit

If your Diamond Prime level has a $5,000 POS limit, you can spend up to $5,000 total within a rolling 24-hour period.

  • You can make one purchase for $5,000, or
  • Multiple purchases that add up to $5,000.

Example 2: Point of Sale vs. Over the Counter (OTC)

Point of Sale: The purchase amount itself.

Over the Counter: Cash received from the register during a purchase.

Example: You buy $50 of groceries and request $20 in cash back.

  • $50 counts toward your POS limit.
  • $20 counts toward your OTC limit.

Example 3: ATM Limit vs. Total Daily Cash Withdrawal Limit

If you have a $500 daily ATM withdrawal limit and a $1,000 total daily cash withdrawal limit:

The $1,000 limit is the combined total of your ATM withdrawals and OTC cash withdrawals.

For example, $500 from an ATM plus $500 over the counter reaches your daily maximum.

Example 4: Combined ATM and POS Daily Limit

For Gold Prime members with a $2,750 combined ATM and POS daily limit:

  • $2,500 is for POS purchases.
  • $250 is for ATM cash withdrawals.

For a complete breakdown of Prime levels and their spending limits, see Deposit, Withdrawal, Spending and Transferring Daily Limits.