There are a number of reasons why a transaction might be declined.

Here are the list of the most common ones:

• You’ve not activated your card
• Your PIN is blocked. This happens when you enter the PIN incorrectly 3 times. Find out how to unblock in the app with this FAQ
• The transaction will take you over your credit limit
• The transaction cost will take you into your Credit Cushion amount. You can edit your Credit Cushion in the Manage section of the app
• 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
• You've frozen your card. If this is the case, the card will appear frozen in the app, and you can unfreeze it from there
• You’ve blocked cash withdrawals in the manage section
• We think that the transaction might be fraudulent. To protect our customers from transaction fraud, we may decline transactions that look suspicious, and block the card from further spending
• There may have been a technical issue on the merchant’s network

If your transaction was online:

• The 3D secure code you entered may be incorrect
• You may have entered the wrong card details, such as your PIN or expiry date

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