Here are some possible reasons that a card could be declined:

  • You don't have enough funds (need to fund your account?)
  • You've entered info that doesn't match the info associated with your card (ex: mismatched billing address when making an online purchase).
  • Your card is temporarily blocked due to suspicious activity (ex: $5000 charge at a pet store appears overnight).
  • Your card happens to be expired (unlikely, but check the date).

Here are additional reasons that Wise Card or Virtual Card could be declined:

Here are additional reasons that an ATM Card could be declined:

  • You've entered the wrong PIN when using the ATM card (give it another try!).
  • You've reached your ATM card limit (see ATM card daily maximums)

If none of those reasons seem like a sound explanation as to why your card is being declined, then send us a message in the chat.

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