Top 8 reasons why your debit card was declined plus fixes | finder.com
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Top 8 reasons your debit card was declined

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Avoid embarrassment when you check out by fixing debit card issues beforehand.

A debit card differs from a credit card in that the funds you’re using are being withdrawn directly from your checking account. Debit cards are convenient for making purchases and ATM withdrawals without you having to pay interest charges of a credit card. Yet like a credit card, the merchant or provider can deny the transaction for a number of different reasons. Knowing the possible causes ahead of time will help you avoid seeing the word “declined”.

Reason 1: You don’t have enough funds

This is the most common cause of a debit card being declined, and one that you can easily avoid by keeping careful track of your spending money. Unless you have overdraft protection, most banks will not allow you to make a purchase or withdrawal that goes beyond your available balance.

How to avoid it:

See if your financial institution offers a mobile app that shows your up-to-date balances and transactions. Check this before making your purchases to ensure you have enough funds.

Reason 2: You’ve made an international purchase

Many accounts now offer Visa or Mastercard debit cards, which allow you to use them when traveling overseas. This is a convenient and secure way to make your overseas purchases and ATM withdrawals. Unfortunately, it doesn’t always work the way you intended, and you could find yourself without access to your money if your debit card is declined.

How to avoid it:

Familiarize yourself with the ATM networks that accept your debit card overseas. Inform the bank before making your trip so they won’t flag your purchases as unusual activity. This should help to make sure your money is available.

Reason 3: Your bank was suspicious of the transaction

Most banks reserve the right to decline any transaction they deem to be out of character with your normal spending or withdrawal habits. In most cases this can be cleared up at the register with a quick call to the bank, but it still could cause you some embarrassment. Some banks have security features in place and can be a little too safe and block authentic transactions.

How to avoid it:

If you have plans on making a large purchase, notify your bank beforehand to get preauthorization.

Reason 4: You’ve reached your withdrawal limit

To help protect your funds, most financial institutions will have daily withdrawal limits on your accounts. This will often be a combination of ATM and purchases, and can prohibit you from getting the cash you need.

How to avoid it:

Be familiar with the daily withdrawal limits on your accounts. If you know you’ll need to exceed them, inform the bank ahead of time. In most cases they will extend the daily limit.

Reason 5: The information you’ve entered doesn’t match your personal details

This is common with online purchases.The merchant takes extra precautions to verify your identity by asking for personal information such as name on the card and your address. If you have entered anything incorrectly, you won’t be able to make your purchase.

How to avoid it:

Before making a purchase online check that the personal information you entered matches that of the credit card you’re using.

Reason 6: It’s expired

Some debit cards also have expiration dates like credit cards. If yours has expired, it won’t be accepted at ATMs, or for purchases.

How to avoid it:

Check the date and know when the debit card is due to expire. Ask for your replacement card well in advance to avoid losing access to your account. Make sure you destroy the old card, as it does contain personal information you don’t want others to get a hold of.

Reason 7: Your joint holder deactivated your card

If you’ve opened a joint banking account with your spouse, partner or other family member they’re allowed to deactivate your debit card without permission from you. If this happens, you won’t be able to make purchases or withdrawing cash.

How to avoid it:

With a joint account you can require that both account holders sign for any major changes, including adding or deactivating any debit cards.

Reason 8: You’ve entered the wrong PIN

The personal identification number (PIN) you chose must be entered correctly in order for some transactions to be allowed. If you enter that number incorrectly, the transaction will automatically be declined.

Should I press the credit or debit button?

How to avoid it:

Memorize your PIN and try not to confuse the cards if you have more than one account with a linked debit card. It’s never suggested that you write the PIN on the card or keep it in your wallet. This will make it easier for a thief to access your account if your wallet or purse is stolen.

Compare checking accounts that come with debit cards

Name Product APY ATMs Fee
Discover Cashback Debit
Discover Cashback Debit
Over 60,000 no-fee ATMs across the U.S.
$0
Earn 1% cash back on up to $3,000 in debit card purchases each month.
1,000 fee-free ATMs across the country
$0
Pay a $0 monthly service charge and get free access to BBVA Compass ATMs.
0.25%
Free to use anywhere worldwide
$0
Up to 1.00% APY. No monthly service fees. Free access to every ATM in the world. FDIC insured.
NBKC Personal Account
NBKC Personal Account
0.9%
Use any of the 32,000+ MoneyPass ATMs in the US for free
$0
Ain’t nobody got time for gotchas. Open accounts in less than 5 minutes.
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $10 per month in ATM fee rebates
$0
Simple and straightforward, a checking account for anyone looking for no-frills banking.
0.01%
38,000 fee-free ATMs nationwide
$0
No overdraft fees. No monthly maintenance fees. No monthly service fees. No minimum balance fees. No deposit required. No foreign transaction fees. Over 38,000+ fee-free MoneyPass ATMs.
0.01%
65,000 preferred ATMs nationwide (Allpoint, MoneyPass, PNC)
$0
An online checking account means no driving around town, no waiting in line and no bankers' hours.
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus 4 non-Umpqua ATM fee rebates per month
$5/month
(can be waived)
A checking account that's tied to your savings and comes with lots of fee rebates.
Nationwide. Access to 16,000 ATMs and 5,100 branches.
$6/month
(can be waived)
College Checking comes with no monthly service fee as long as you’re between 17-24 years and a student for up to 5 years.
CIBC iCan Checking
CIBC iCan Checking
0%
Nationwide
$9/month
(can be waived)
iCan checking is a non-interest bearing account offered by CIBC Bank USA that rewards you for trusting us to meet your everyday banking needs, because it’s based on your relationship with us. The more you use certain banking services, the more you can earn in cash back rewards and ATM fee reimbursements.
Nationwide. Access to 16,000 ATMs and 5,100 branches.
$12/month
(can be waived)
Our most simple checking account is easy to use and gives you access to 16,000 ATMs and 5,100 branches.
CIBC myChoice Checking
CIBC myChoice Checking
Nationwide
$15/month
(can be waived)
myChoice is an interest-bearing checking account offered by CIBC Bank USA that rewards you for trusting us to meet your everyday banking needs. It’s based on your relationship balances – the total amount you have in deposits or outstanding loan balances with us in qualifying related accounts.
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $25 per month in ATM-owner fee rebates
$20/month
(can be waived)
Easy banking for complicated lives.
0.01%
Nationwide.
5,100 branches in 28 states.
$25/month
(can be waived)
Premium banking and more, designed for your life.
0.01%
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
$25/month
(can be waived)
Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance Checking account with qualifying activities
0.01%
Nationwide.
Access to 16,000 ATMs and 5,100 branches.
$25/month
(can be waived)
Earn interest with Chase Premier Plus CheckingSM.
0.01%
Surcharge-free HSBC ATM access nationally and internationally
$50/month
(can be waived)
Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier Checking account with qualifying activities.

Compare up to 4 providers

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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43 Responses

  1. Default Gravatar
    QuontelOctober 6, 2018

    Can a debit be useed as a credit card

    • finder Customer Care
      joelmarceloOctober 6, 2018Staff

      Hi Quontel,

      Thanks for leaving a question on finder.

      If you try to use your debit card when there is not enough money in your account to cover the transaction and your account does not allow overdrawing, the transaction will be declined. No fee is charged. If your account allows overdrawing, you can be charged a fee, like with a check.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  2. Default Gravatar
    NaySeptember 17, 2018

    Hi I tried to e-transfer through email to another person because I can’t send them cash because there not nearby like it has to be e-transfered for them to receive it and it didn’t go through when I sent it, I had more than the amount I was giving and it declined it so then I tried to see if it was just with that one person but it wasn’t working at all with others too, But then yesterday when I went out to get a few snacks it worked when I insert my card or if I tap it, I really don’t know why it won’t let me e-transfer or why it’s doing that because it lets me take in the money but it won’t even let me take out at the ATM either and sometimes I need to have cash just in case my cards not working or if they don’t take debits and only cash or credit cause I can’t only depend on my debit for that.

    • finder Customer Care
      JoshuaSeptember 18, 2018Staff

      Hi Nay,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Like what was mentioned on this page, there are different reasons your card was declined. I’m not completely familiar with your situation and thus, I can’t provide a personalized answer. However, after reading the reasons listed on this page and you still can’t figure out why your card was declined, the best course of action is to directly get in touch with your provider.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  3. Default Gravatar
    EllaSeptember 1, 2018

    I am purchasing anything online showing this error! (Sorry, but your Visa xxxx was declined. Please add another debit or credit card to complete your purchase). I don’t have another card to add but, in this card showing this error! For 5 days this error is showing.

    • finder Customer Care
      JhezelynSeptember 3, 2018Staff

      Hi Ella,

      Thank you for your comment.

      I am sorry to hear about your card being declined. The possible reasons for card denial are outlined above. There may be some restrictions when using your card. Therefore, it’s best to contact your card issuer so they can check this for you.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  4. Default Gravatar
    RyanAugust 24, 2018

    Today i tried to get a snack at work and it come across saying to many transactions. I have enough money and its the first time i used the card in about two days

    • finder Customer Care
      johnbasanesAugust 24, 2018Staff

      Hi Ryan,

      Thank you for leaving a question.

      You have reached finder. We are a comparison website that helps users in their financial decisions. On your question, you may need to contact the bank which is connected to your card for you to check what happened and why your transaction did not push through though there are funds available in the card. Hope this helps!

      Cheers,
      Reggie

  5. Default Gravatar
    BritneyAugust 15, 2018

    I got a nee debit visa card. Im supposed to use it at the atm first before i can use it at any store. I kept the same pin number. But its telling me that im entering the wrond pin. What can i do? I need to use my card.

    • finder Customer Care
      joelmarceloAugust 15, 2018Staff

      Hi Britney,

      Thanks for leaving a question on finder.

      If you just got your debit visa card, it will usually come with your first PIN on it’s packaging. You need to use it initially before changing the pin to your preference. For further assistance, you can contact your bank to see what could be causing this.

      Cheers,
      Joel

  6. Default Gravatar
    SurajJuly 31, 2018

    When I widral a money my bank is declining not giving me to widral a money…

    • finder Customer Care
      joelmarceloJuly 31, 2018Staff

      Hi Suraj,

      Thanks for leaving a question on finder.

      We have enumerated the possible reasons why your debit card is declined in the article above. You can check with your bank directly as to why your transaction keeps getting declined to get a more specific answer. Please send us a message if you need further help.

      Cheers,
      Joel

  7. Default Gravatar
    DavidJuly 23, 2018

    Why was my atm card transaction declined?

    • finder Customer Care
      JhezelynJuly 23, 2018Staff

      Hello David,

      Thank you for your comment.

      Outlined above are most of the common reasons why your card was declined at an ATM. The solution to any of the above problems is to contact your card’s issuing institution to check this for you.

      Regards,
      Jhezelyn

  8. Default Gravatar
    userJuly 11, 2018

    i was trying to make a purchase with my new visa debit card and the card number keep getting declined I don’t know if I have to activate it but as of now I still cant make a purchase

    • finder Customer Care
      joelmarceloJuly 12, 2018Staff

      Hi there,

      Thanks for leaving a question on finder.

      Aside from the reasons we mentioned above on why your purchase was declined, the best thing that you can do is to speak directly with your bank to see on what could be causing this. Hope this gets resolved soon.

      Cheers,
      Joel

  9. Default Gravatar
    ColbimcclainJuly 11, 2018

    What if my card is being declined but I have money in my bank account?

    • finder Customer Care
      joelmarceloJuly 12, 2018Staff

      Hi there,

      Thanks for leaving a question on finder.

      There are multiple reasons why your purchase was declined as mentioned above. It would be best if you can contact your bank directly to see on what could be causing this.

      Cheers,
      Joel

  10. Default Gravatar
    RalphJuly 4, 2018

    Why everytime i try to make a withdrawl the atm is telling me to try again later

    • finder Customer Care
      joelmarceloJuly 5, 2018Staff

      Hi Ralph.

      Thanks for leaving a question on finder.

      If it has been happening often than usual, you will have to directly contact your bank to see what could be causing this or if you need to upgrade your ATM card. Hope this gets resolved real soon.

      Cheers,
      Joel

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