Why is my Instant Card being declined?

If your card is being declined when trying to make a purchase or withdraw cash from an ATM, there may be a couple reasons for this.

  1. Your card is blocked within the Instant app - simply go within the Instant app and unblock your card
  2. Your card has a PIN block after unsuccessful PIN entry attempts - you will need to reset your PIN by calling the number on the back of your card, and following the automated system to activate your card and reset your PIN
  3. Your available balance is not sufficient to cover the purchase or authorization amount. If you have a pending or authorized transaction that is causing your available balance to be lower, you may not have sufficient funds available to cover the new purchase.
  4. Outside of point of sale transactions (ATM withdrawals or bank transfers) have reached the maximum limit. 

    Maximum daily ATM withdrawal $1,000.00

    Maximum daily spend at point-of-sale: $2,500.00

What other reasons could cause a card to be declined?