Why is my Debit Card Being Declined When I Have Sufficient Funds?

Debit cards often decline transactions even though the cardholder has money on the card, whether it be for payments at POSs, internet purchases, ATM withdrawals, or mailing money. Some debit cards often fail to process at points of sale for a variety of reasons. Lack of cash ought to be the first factor that comes to mind. This may be the cause of the debit card being declined, however, if the cardholder has verified that this isn’t the case, then the following might be some possible issues.

Debit Card Being Declined

Fix Debit Card Being Declined:

The POS or ATM will reject your card and most likely provide the explanation as “insufficient funds” when there is not enough money to complete the transaction. But if that is not the case with you then these could be some of the possible reasons for your debit card being declined even after having sufficient funds.

  • Limit on daily transactions:

Perhaps your daily transaction limit has been surpassed and it has become the cause for your debit card being declined. Depending on the kind of account, banks often restrict the number of transactions that the customer can make in a single day. For instance, a savings account may have a $500 daily transaction limit. Once you’ve hit this limit, you won’t be allowed to make any further transactions for the day until the next. These restrictions are put in place for security reasons to prevent, for example, the use of a stolen card to make extravagant purchases. Banks do not advise increasing this limit, but, if necessary, you should get in touch with your bank to do so.

How to prevent it: Know how much money you can withdraw each day from your accounts. If you anticipate having to go above them, let the bank know in advance. Most of the time, they will raise the daily cap. Try calling your bank right away if your transaction is already facing rejections to see if they can increase the limit. You may then attempt making your order again.

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  • Invalid PIN:

If your debit card is being declined even if you have money on it, it might be because you are entering the transaction PIN incorrectly. It is common for people to have confusion or enter their transaction PIN incorrectly, particularly if they have several debit cards. Of course, for a transaction to be successful, you must enter the proper PIN. If there are too many unsuccessful PIN-incorrect transaction attempts, the bank might ban your card.

How to prevent it: If you have several accounts with connected debit cards, learn your PIN and make an effort not to mix up the cards. Never recommend writing the PIN on the card or storing it in your wallet. In the event that someone stole your wallet or pocketbook, this will make it simpler for a criminal to access your account. Call your bank to get you a new PIN if you don’t remember it or if you have entered the incorrect number too many times and have lost access to your account.

  • Debit Card has expired:

The debit card might have expired, which would explain why you could have money on it yet your debit card is being declined. Depending on the manufacturer, debit cards typically last two to three years. Inscribed on the debit card is the expiration date. All transactions using the debit card would be unsuccessful after the specified date.

How to prevent it: The debit card’s expiration date is available on the back side of the card. To prevent losing access to your account, make sure you request your new card well in advance. Don’t forget to trash the old card since it does include personal information that you don’t want others to get. Contact your institution if your card has already expired to see if you can expedite getting a replacement.

  • Incorrect information:

We have to enter our debit card or credit card information in order to make payments online, particularly after doing some online shopping. The payment procedure would not be successful if you enter incorrect card information. It’s possible that you entered the incorrect card expiration date, CVC, or number on the website. Before making payments, you should check the information to make sure it is correct.

How to prevent it: Verify that the private information you submitted matches the information on the debit card you’re using before completing an online transaction. If information is out-of-date and doesn’t match, you may correct it by going into your bank account or contacting the institution for help.

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  • Connectivity or technical problems:

Technical or connectivity issues are one concern that might be the main contributing factor to your debit card being declined. Due to intermittent internet access, many things, including online transactions, may not function. When you need to make payments, it’s also possible that your bank is experiencing some downtime as a result of system updates. This may take place even while using the POS to make payments. When you have money, this is a typical explanation for why your card is being denied.

How to prevent it: When the bank or retailer is at fault, your card will always be denied, but you may try again. Request another terminal and/or think about waiting till the system is operational once again.

  • Debit Card is Not yet activate:

If you just renewed your debit card or opened a new account at the bank and got a new one, the card may not yet be active and prevent transactions from going through. Even when you have money on your card, it will continue to decline. Before using a new debit card to make purchases, you must first activate it at the bank otherwise it will not function.

How to prevent it: Activate your card as soon as you get it from either the official website of the bank or by calling their professionals. Your card won’t work until you successfully activate it.

  • Damaged or defective card:

At a POS or ATM, using a damaged card to make a purchase is probably unsuccessful. It’s possible that the card’s data collection area, which the machine should read has damage on the surface. Naturally, if your card has money on it, it will not be acceptable. Once your current card gets physical damages, it is advisable that you ask the bank for a new one.

How to prevent it: Ask your bank to replace your card as soon as possible. An old broken card won’t work properly even if you have sufficient funds in your account. So, contact your bank and ask them to provide you with a new debit card.

  • Incorrect card type:

Verve, Visa, Maestro, and MasterCard are just a few of the card kinds that are acceptable in various institutions. But, not all of these card kinds are acceptable at every point of sale in a shop or on every website. It’s possible that the reason your card is facing issues while you have money is that the business or website that you’re trying to pay it doesn’t take the sort of card you have. It’s possible that you’ll need to utilize a different kind of card.

How to prevent it: Read the instructions carefully before making a purchase or withdrawing money and use the appropriate card as per the instructions. Prepare in advance for such situations.

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  • Card Unusable in a Country:

It is unlikely that you can use your debit card in a certain nation while on vacation or business there. This might prevent your card from being acceptable for payments, particularly if the funds you have on the card are not in the local currency of the location you are in. If there are alternative ways to pay in that nation, you should look into them or speak with your bank.

How to prevent it: Make sure you can use your card in the nation you’re traveling to. You can do so by getting in touch with your bank before you go. Your bank may be able to temporarily lift the geo-block when you’re visiting an area that has geo-blocking.

  • Joint Account Holder Blocked the Card:

One card is available per account, and you can share it with your family, friends, or partners. The joint account holder may have deactivated or banned the card for a variety of reasons. This could be the reason for its decline even after there is money on the card. You should talk to the individual about your experience. And ask why the card is not acceptable in order to determine whether they were responsible.

How to prevent it: Any significant modifications, such as the addition or removal of any debit cards, might be subject to the signatures of both account holders when they are joint. If you can add this security feature to your account, call your bank.

  • Suspicious or fraudulent activity:

Cards linked to bank accounts from which banks have seen suspicious behavior often face blockage. Or they have to go through certain limitations by banks. Some possible explanations are:

  • The bank might have temporarily blocked your card. Because it may have flagged a transaction as fraudulent and would wish to investigate it.
  • The bank could have seen odd transactions made with the card abroad.
  • The bank account is showing activities that have links to more dubious or fraudulent happenings.

How to prevent it: Inform your bank in advance to get preauthorization if you want to make a big transaction. Contact your bank right away to see if they can authorize your transaction if it is already facing rejections. Then you may try one again.

  • You bought something from abroad:

Debit cards from Visa or Mastercard are now widely available and are available to use for international travel. This is a practical and safe method to make ATM withdrawals and purchases from abroad. Unfortunately, it doesn’t always function as planned. And if your debit card is denied, you can find yourself without access to your money.

How to prevent it: Learn about the ATM networks that will accept your debit card abroad. Before leaving, let the bank know so that they won’t mark your transactions as odd behavior. This should ensure that your funds are accessible. Call your bank if you are presently abroad and unable to use your debit card. Inform them of your location and request that they release the freeze.

  • You are investing in a gift card:

Due to fraud and the rise in the use of stolen cards to buy prepaid gift cards, several debit or credit card providers prohibit the purchase of gift cards. Additionally, in an effort to reduce the possibility of fraud, certain businesses, including Giant Food supermarkets, have rules in place that prohibit the purchase of gift cards using a credit or debit card. Although credit card rejections happen more often.

How to prevent it: To be sure there are no problems with your card, first verify with your bank. If you’re using a credit card, consider paying with cash or a debit card.

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Conclusion: If your debit card often declines while you have money on it, have a look at the potential causes above. You could have exceeded your daily transaction limit, and entered the incorrect PIN or card information. Or you must have run out of money before you can complete the purchase. You might also have a defective or inactive card or any number of other reasons. Another possibility is that the Bank is just unavailable. Or that you are having trouble doing transactions due to a poor internet connection.

If you are sure about all the verification and believe the declination of your debit card to be without cause, then it is advisable that you get in touch with your bank’s customer support as soon as possible. You can contact them by phone, email, or the mobile app, whatever method works best for you.

You should be able to receive assistance from your bank’s customer support in determining the reason why your debit card was denied. It could turn out that the cause is something that you can fix quickly in a few hours or days. Additionally, the bank may need to look into the situation for a time. Throughout the procedure, it is essential to exercise patience. After fixing the problem successfully, your debit card should continue to work well. And you can make regular purchases up to the daily limit set on your bank account.

Frequently Asked Questions:

Will I be able to resolve a card issue that has declined when making a purchase?


A denied debit card problem can be fixed right away depending on the cause. This may include the merchant calling the bank on your behalf and having you take the call to confirm certain information.

How do I determine the daily withdrawal cap?

Read the small print on the website of the financial institution or in the paperwork that the bank sent to you when the account was activated. The amount you are allowed to withdraw each day is specified in a separate section.

I deposited a check, but it hasn’t cleared the account yet. Can I still get my money back?

Only if you are protected against overdrafts. A debit card can only access the money you have on hand; it cannot make any purchases that are currently waiting for permission.

How can I change the personal info on my debit card?

You can locate your profile in your account summary if you have enrolled for online or mobile banking. There should be a choice to modify or update your information after you’ve found it. To amend your information, you may also phone your bank’s customer care number or go to a branch to talk with a person.

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