Top 9 reasons your debit card was declined

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

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A debit card differs from a credit card in that the funds you’re using are being withdrawn directly from your checking account.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 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.

Reason 3: 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.

Check our list of the most popular bank phone numbers

Reason 4: 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 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: 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.

Check our list of the most popular bank phone numbers

Reason 7: 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.

Compare the best debit cards to use overseas

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 8: Technical issues

While there are many situations where you could be at fault for a declined card, that’s not always the case. Merchants and banks sometimes have issues processing debit transactions, even when you’ve done everything right. It could be due to their Internet connection, too many transactions processed at once, a power failure somewhere along the network or a handful of other reasons.

How to avoid it:

While you can’t avoid having your card declined when it’s the bank’s or merchant’s fault, you can try again. Ask to try another terminal or consider waiting until the system is up and running again.

Reason 9: 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.

Compare checking accounts that come with debit cards

Name Product APY ATMs Fee
Axos Bank Rewards Checking
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
M&T Bank EZChoice Checking
Over 1,500 M&T Bank ATMs
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
0.05% on balances of $100,000+
0.03% on balances of $50,000 to $99,999.99
0.01% on balances of $1 to $49,999.99
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
No fees. Unlimited domestic ATM fee reimbursements.

Compare up to 4 providers

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49 Responses

  1. Default Gravatar
    AmandaMay 15, 2019

    I have been trying to make an online purchase with a particular company, but I keep getting this message : Your card was declined. Your request was in test mode, but used a non test card. What does this mean? I know I have funds.

    • Avatarfinder Customer Care
      JhezMay 16, 2019Staff

      Hello Amanda,

      Thank you for your comment.

      Sorry to hear that. You will usually get that error you stated above when an account is in Test Mode, transactions may be submitted that will not be authorized or charged to the account numbers provided in the transactions. This will usually occur in a certain merchant.

      To take your account out of Test Mode, please follow these steps:

      – Log into the Merchant Interface.
      – Click Account from the main toolbar.
      – Click Settings in the main menu on the left.
      – Click Test Mode under the Security Settings section.
      – Drag the toggle to Live. The interface will confirm that the Test Mode settings have been successfully applied and the account is now in Live Mode.

      You may also turn Test Mode on by following the above steps, and moving the toggle to Test.

      Please also note that you will incur applicable transaction fee charges when Test Mode is turned off, even if you use test credit card numbers. Test credit card transactions should only be processed in Test Mode. When Test Mode is turned off, the merchant will attempt to process all transactions they receive.

      For more information, you may contact your bank.


  2. Default Gravatar
    EdApril 28, 2019

    I put the wrong PIN in my ATM and it is locked out. How can I unlocked. My bank is closed

    • Avatarfinder Customer Care
      johnbasanesApril 29, 2019Staff

      Hi Ed,

      Thank you for reaching out to Finder.

      For this security concern, you would need to wait for the bank to open so they could unlock your ATM card. This is the only way as the system is secure and only the bank has access to it. Hope this helps!


  3. Default Gravatar
    JoeJanuary 21, 2019

    I put the wrong PIN on my card so I kinda blocked myself. Is there any way I can fix this issue without calling the bank? It’s a holiday so they won’t answer.

    • Avatarfinder Customer Care
      JhezJanuary 22, 2019Staff

      Hi Joe,

      Thank you for your comment.

      If your card is blocked, you won’t be able to make purchases or withdrawing cash. The only way to fix it is to contact your bank right away so they can arrange to send you a new card. If it’s a holiday, you really need to wait for the banking days to resume or you can check if there’s an emergency number to call the bank when something like this happens.


  4. Default Gravatar
    QuontelOctober 6, 2018

    Can a debit be useed as a credit card

    • Default Gravatar
      joelmarceloOctober 6, 2018

      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. :)


  5. 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.

    • Avatarfinder 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!


  6. 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.

    • Avatarfinder Customer Care
      JhezSeptember 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.


  7. 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

    • Avatarfinder 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!


  8. 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.

    • Default Gravatar
      joelmarceloAugust 15, 2018

      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.


  9. Default Gravatar
    SurajJuly 31, 2018

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

    • Default Gravatar
      joelmarceloJuly 31, 2018

      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.


  10. Default Gravatar
    DavidJuly 23, 2018

    Why was my atm card transaction declined?

    • Avatarfinder Customer Care
      JhezJuly 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.


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