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.
- Your card is blocked within the Instant app - simply go within the Instant app and unblock your card
- 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
- 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.
- 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?
- Balance is not sufficient. Please see: How do I check my Balance?
- There may be a pre-authorization hold affecting your Balance. Please see: How do Pre-authorization Holds work?
- If you are still needing assistance, you can speak to a live agent using our chat feature.