Why was my transaction declined?

Updated 11 months ago

There are a number of reasons why a transaction might be declined. Here are the list of the most common ones:

  • The transaction amount will go into your Credit Cushion amount
  • If it’s your first in-person spend, you’ll need to use Chip and PIN to show it’s you – afterwards, you’ll be able to use contactless up to £100
  • Your account is blocked
  • You’ve not activated your card yet
  • The transaction will take you over your credit limit
  • You’ve entered the wrong card details, such as your PIN, three-digit security number or expiry date
  • You’ve blocked cash withdrawals / gambling in your account preferences
  • We think that the transaction might be fraudulent. To protect our customers from transaction fraud, we may decline transactions that look particularly suspicious, and block the card from further spending
  • The 3D secure code was entered incorrectly or was not provided
  • There may have been a technical issue on the merchant’s network

If it’s none of the reasons above, please get in touch by starting a live chat.

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