Why is my debit card being declined.

Debit card declination is frustrating for any at the time of transaction. When you are purchasing anything from any shop, the first thing that comes to your mind is which card to use. This question keeps on ringing in your head till you complete the purchase. If it fails or declines, you become very disappointed and feel irritated. It is the worst situation for any one of us when we need money urgently and out of cash at that time. There are many reasons for this, such as insufficient funds, incorrect card numbers, expiration dates, expired accounts, and many others. 

Why is my Debit card declined when I have money

If your card declines when you have money in your account, there are some possible reasons for this. For example, the server could be under maintenance or due to technical errors occurring when checking out. You may have entered your PIN incorrectly, or if you did not enter it at all. This article will help you figure out what the reason is for declination and how to fix it.

The reason that debit card declination:

Server problem of your bank.

  • Server maintenance: The bank running under service maintenance is a common experience in the online banking world. But in the case of Debit cards declination, this problem is unusual. It happens when banks have to update their servers, and it can last from several hours to days. In most cases, you won’t notice that your bank is down that why it will pop up a message saying that you need to try again later. This error shows up when your transaction occurs. 
  • Technical error: Technical error or link breakdown is the type of issue that can appear in your bank. The problem arises as a result of some technical glitch or browsing problem of your bank. 

How to fix it:

In this case, you should wait for a while until the server issue is solved. If it takes too long, you can contact your bank or customer service to resolve the problem.

2. Your Debit card expired.

  • If you have a Debit card, you must know the expiration date. The majority of Debit cards will have an expiration date on them. The expiration date for these cards is three years from when they are issued. For example, if you have a May end date, your card will work through April 30. So, if your Debit card has expired, you will not be able to make any transactions.
Debit card expiration date
Debit card expiration date

How to fix it:

The bank sends a new Debit card one month before any Debit card expiration. If you have not received a new one, then contact your bank.

3. You have entered the wrong card PIN.

  • PIN stands for a personal identification number. When entering your Debit card PIN at the ATM, swipe machine, or any online transaction mode, you may enter the wrong one. When you do this, an error message will pop up on the screen and inform you that your card is unacceptable. You will get only three attempts. If you enter a three-time wrong pin, your card will block for 24 hours.

How to fix it:

Memorizing your PIN may be difficult, but it is essential for your transaction. Memorize it and try not to be confused. Make sure you are entering the correct PIN and avoid sharing your pin with anyone. Never write your PIN anywhere on your card because it makes it easier to access your account if you lost your card or stolen it by a thief.

4. You have entered the wrong OTP.

  • One Time Password (OTP) is a 4 to 6-digit number that your bank sends you by SMS or through mail on your phone. You must enter for you to complete a transaction or any other banking operation. If the OTP is already used, enters the wrong more than three times, or does not appear at all, your card will decline. 

How to fix it:

One of the most common OTP issues is that users enter an old OTP instead of a new one. To resolve this problem, ensure you have entered the correct OTP and its time duration is not expired.

5. You have entered the incorrect card number.

  • Debit card numbers are 14-20 digit numbers printed on the front of your Debit card, and these numbers may differ from bank to bank. If you enter the number wrong, you will get a message of your card declination, and your card will not accept payments. 
Debit card number
Debit card number

How to fix it:

You enter these numbers carefully and make sure you are entering the correct numbers.

6. You have entered the wrong CVV number.

  • CVV stands for (Card Verification Value). CVV is the card verification number issued by the bank, which is different for all consumers. CVV is 3-digit numbers printed behind your card. These numbers protect your card from fraud, and it does not save anywhere at the time of transaction.
CVV number

How to fix 

If you enter these numbers incorrectly, your card declines.

7. The information that you provide does not match your bank record.

  • Sometimes you need to provide more information about the transaction, for example., mother name, date of birth.., etc. But due to some reasons and mistakes, there is a mismatch between the information and the account (the card). Or if your online purchase from the new address with filing your new address to your bank. In both situations, your card will decline. This issue occurs when an online transaction.

How to fix it:

To fix this issue, you must enter the correct information before proceeding with your payment.

8. Your bank is suspicious of your transaction.

  • When a bank finds some suspicious activities, for example, illegal mode of transaction, lots of money deposit in an account from an unknown source, or transactions made between unauthorized sources through your account., Your account can be on hold, freeze, or maybe suspended temporarily. That is a reason your card will decline.

How to fix it:

To resolve these problems, you contact the bank or visit your bank and assure them that you are not doing any illegal transaction. If the bank is satisfied with you, your account will reactivate.

9Your joint holder de-activated your card.

  • Deactivation or blocking of your Debit card by your joint holder can be frustrating, for you may not know why it is happening. Your joint holder de-activates your card. If two people share an account, they can both access it. If your joint holder blocks or de-activates their card without telling you, the card will decline. 

How to Fix It:

To fix this, you need to talk to your joint holder and ask them why they blocked it.

10. You do not have enough funds in your account.

  • Sometimes, you make a transaction without checking your account balance and end up with insufficient funds in your bank. You try to transaction your fund and face declination of your card. That is because you did not check your balance before making any transaction unless you have overdraft protection in your account.

How to fix it:

Every bank has a mobile app that shows your balance funds within a second and saves your account from overdraft. Make sure to check your account fund so before any transaction.

11. You have reached your card transaction limit.

  •   You have reached the withdrawal or buy limit of your card. This limit differs from country to county, but some banks will decline the transaction if your transaction goes beyond your card limit. 

 How to fix it:

If you want to withdraw more than beyond your Debit card limit, you need to increase the withdrawal limit of your card. The amount of money you are allowed to withdraw regulate by the bank. It depends on the funds in your account and some other factors.

12. Your account is not updated on KYC.

  • In every industry, people use KYC, which stands for Know Your Customer. This term is most popular in the banking sector. Banks update or verify their customer information from time to time to protect accounts from fraud and other issues. To keep your card active, you must update your KYC with a document that has address proof. What if you do not update your KYC? Then the money on your account will be taken by the bank as inactivated funds. It is crucial to make sure all of your information is updated because if it is not, you may experience problems with your card.

How to fix it:

For KYC up-to-date, you need to visit the bank with your physical address, government ID card, and passport size photos.

13. Your Debit card is blocked.

  • Your Debit card is blocked due to some unauthorized transactions made through your debit card. Also, a travel alert is an area on your Debit card due to the risk of fraud. In these cases, you must immediately contact the issuing bank.
  • In some cases, banks block Debit cards to protect users from over-limited transactions. It means you made too many transactions from your account in a time or exceeded the maximum number of transactions allowed for your card.

How to fix it:

Do not transaction your funds with an authorized browser or website. And, also did not make too many transactions within a certain period. Another way, your account will deactivate, or your debit card declined at the time of the transaction.

14. Network glitch of your device.

  • A network glitch is often to blame for transactions being declination. That appears when your card data does not receive by the merchant payment processor or financial institution. When that happens, you see an error on your device or browser of your decline. The reason behind this error is. What happens when browser settings or the device you are using to connect to the Internet? 

How to fix it:

To resolve this issue, you will try another device, browser, or network. Once you do, your transaction ought to be regular.

 15. Your account is on hold through the bank.

  • The bank put your account on hold for different reasons. Mostly, when not any transactions made from your account for a long time. Another reason is that the bank has noticed something suspicious transaction through your account, so the bank put it on hold to protect their consumer account. That is the reason your Debit card declination. 

How to fix it:

To resume your transaction, please visit the bank branch with your ID, passbook, and photos. It takes several minutes to reactivate your account, and then you can continue to make a transaction.

16. You are in Geo-block areas.

  • Some credit and debit cards have a Geo-blocking feature added by the bank. This feature sometimes prevents you from purchasing online from outside of the Geo-block areas. The bank also blocks your transactions with countries where fraud or illegal activity is high. So, do not purchase in one of these locations. 

How to fix it: 

If you are want to transact within the Geo-block area, you need to contact your bank. 

17. International transaction.

  • The use of debit cards varies depending on the country and the bank. Some debit cards are only used for domestic transactions and prohibited for international transactions, but some debit used internationally. If you plan to make purchases outside of your country, Make sure your card is appropriate for international transactions. 

How to fix it:

Your Debit card is not applicable for international transactions. You need to visit your bank and charge your debit card for international transactions.

18. Card types (Visa vs. master card) 

  • Visa and MasterCard are the most commonly used credit cards in the world. While they both offer various levels of security, Visa seems to be more secure than MasterCard. Some merchants accept Visa as a form of payment, but what if you have a MasterCard? It is important to note that the merchant has to be applicable for your card. Otherwise, you are not able for any purchases.

How to fix it:

A Visa or MasterCard will rarely decline using it in a store or if you try to use your card at a different location or online. If it happens, find out your card is accepted by the merchant before the transaction.


Debit card declination is very common in online transactions or purchases. Many reasons due to which your card declines. The bank consistently monitors all accounts and transactions. If any suspicious activity finds in your account, the bank gives you that kind of precaution.


If you are not satisfied with your bank’s services, you can switch to another bank or ask for a refund. You must be alert about the information you are sharing on social media sites like Facebook and Twitter. Never share personal details like your account number, card numbers, or bank addresses with anyone over the phone or via e-mail.

If you get any problems related to your account, cards, or bank, you need to visit your bank.

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