diff --git a/flaschengeist.example.toml b/flaschengeist.example.toml
index a07cd66..e0a0cda 100644
--- a/flaschengeist.example.toml
+++ b/flaschengeist.example.toml
@@ -56,6 +56,8 @@ enabled = true
 
 [balance]
 enabled = true
+# Enable a default limit, will be set if no other limit is set
+# limit = -10.00
 
 [geruecht]
 enabled = false
diff --git a/flaschengeist/controller/userController.py b/flaschengeist/controller/userController.py
index d5dd7f8..d1ff44a 100644
--- a/flaschengeist/controller/userController.py
+++ b/flaschengeist/controller/userController.py
@@ -1,6 +1,7 @@
 from flask import current_app
 from werkzeug.exceptions import NotFound, BadRequest
 
+from flaschengeist.hook import Hook
 from flaschengeist.models.user import User, Role
 from flaschengeist.database import db
 from flaschengeist import logger
@@ -18,6 +19,7 @@ def login_user(username, password):
     return None
 
 
+@Hook
 def update_user(user):
     current_app.config["FG_AUTH_BACKEND"].update_user(user)
     if not user.display_name:
diff --git a/flaschengeist/plugins/__init__.py b/flaschengeist/plugins/__init__.py
index 46aa1a1..bfc73fe 100644
--- a/flaschengeist/plugins/__init__.py
+++ b/flaschengeist/plugins/__init__.py
@@ -4,6 +4,7 @@ from werkzeug.exceptions import MethodNotAllowed
 from flaschengeist.hook import HookCall
 
 send_message_hook = HookCall("send_message")
+update_user_hook = HookCall("update_user")
 
 
 class Plugin:
diff --git a/flaschengeist/plugins/balance/__init__.py b/flaschengeist/plugins/balance/__init__.py
index 144e799..0d29b26 100644
--- a/flaschengeist/plugins/balance/__init__.py
+++ b/flaschengeist/plugins/balance/__init__.py
@@ -9,10 +9,11 @@ from flask import Blueprint, jsonify, request
 from werkzeug.exceptions import Forbidden, BadRequest
 from backports.datetime_fromisoformat import MonkeyPatch
 
-from flaschengeist.plugins import Plugin
+from flaschengeist import logger
 from flaschengeist.models.session import Session
 from flaschengeist.decorator import login_required
 from flaschengeist.controller import userController
+from flaschengeist.plugins import Plugin, update_user_hook
 
 from . import balance_controller, permissions
 
@@ -24,6 +25,13 @@ class BalancePlugin(Plugin):
     def __init__(self, config):
         super().__init__(blueprint=balance_bp, permissions=permissions.permissions)
 
+        @update_user_hook
+        def set_default_limit(user):
+            if "limit" in config:
+                limit = config["limit"]
+                logger.debug("Setting default limit of {} to user {}".format(limit, user.userid))
+                balance_controller.set_limit(user, limit, override=False)
+
     def install(self):
         from flaschengeist.database import db
         from .models import Transaction
diff --git a/flaschengeist/plugins/balance/balance_controller.py b/flaschengeist/plugins/balance/balance_controller.py
index dd9112c..5d9e609 100644
--- a/flaschengeist/plugins/balance/balance_controller.py
+++ b/flaschengeist/plugins/balance/balance_controller.py
@@ -14,9 +14,10 @@ from . import permissions
 __attribute_limit = "balance_limit"
 
 
-def set_limit(user: User, limit: float):
-    user.set_attribute(__attribute_limit, limit)
-    db.session.commit()
+def set_limit(user: User, limit: float, override=True):
+    if override or not user.has_attribute(__attribute_limit):
+        user.set_attribute(__attribute_limit, limit)
+        db.session.commit()
 
 
 def get_limit(user: User) -> float: