It is very frustrating to have your ATM card rejected by the machine. During emergencies, this could be a problem especially if you need cash immediately. What to do if your debit card is declined by the machine?
Rejected and Declined ATM Card
A rejected ATM card is inconvenient. If you need cash, you may not be able to withdraw it from the machine. Moreover, other services may not be available such as fund transfer, balance inquiry and bills payments or prepaid mobile reload.
Know more why your ATM card is rejected or declined by the machine.
Causes of Declined ATM Card (ATM and Credit Card)
There are several causes of a declined ATM debit card by the machine. Any of these may be the reason why your card is not accepted.
- Damaged magnetic strip of the card
- You have reached the maximum number of inputting wrong PIN (max of 3)
- The ATM card is blocked by the bank
- Card is not yet activated
- Card is expired and needs replacement
- Machine is currently having technical issues
- You have reached the maximum daily withdrawal limit
- Malfunctioning machine (sudden offline status)
- The account was locked using the mobile app of the bank
- The account was locked by the bank
- Insufficient funds of the account
- Incompatible bank ATM
- Machine does not have enough cash to dispense
Most credit cards can be used in ATMs especially in transactions such as cash advance withdrawal. You may also experience the mentioned problem. In such a case, coordinate with your credit card company to ask for any assistance in using your credit card on ATM.
What To Do if the ATM Card is Declined or Rejected
It is best to troubleshoot first to see if you can solve the problem before contacting the bank. In this case, you can first do the following steps:
- Wipe the card clean to remove any dirt in the magnetic strip and try again
- Check if your ATM card has damage
- Make sure to put only the correct PIN
- Try to remember if you actually have enough money in the account
- Look for any blinking lights in the ATM, sometimes, these lights indicate problems or insufficient money. Usually, orange or red light means there is no cash withdraw-able.
ATM Card Help Assistance Contact Numbers
If you truly cannot withdraw or do any transactions using your ATM card, it is best to ask for help from your bank. You may proceed to the nearest branch and request for assistance. You can also call the bank anytime using their customer service numbers. Contact the bank for issues involving ATM card rejected or declined problems.
Asia United Bank
If your Asia United Bank ATM card is rejected, the problems may involve insufficient balance, damaged card or malfunctioning machine. Get in touch with them by using 2828888.
BDO
BDO offers both ATM Debit card and Credit card. You can easily use them at any ATM portals bearing the BDO logo. However, there are instance when your card may be declined or rejected. If you are experiencing BDO ATM Debit card being rejected or declined, you may contact them using 6318000.
BPI
BPI has an extensive network of ATMs. You can easily withdraw and transfer money using them. If you are suddenly having problems and your BPI ATM card is rejected or declined, you may use 88910000
Chinabank
Chinabank ATM card holders can always report if they are experiencing declined or rejected card during withdrawal. In you have one, you may contact them through 88855559
Landbank
Landbank offers the Landbank Visa Debit Card as one of its ATM products. If you are experiencing problems such as declined, rejected or blocked card, you may contact them using 405-7000
Metrobank
The bank offers at least three types of ATM or debit cards. You can use Prime Debit Card, Debit Card and Prepaid Card. If suddenly your card is rejected or declined by the ATM, you may get in touch with Metrobank 88700-700
Security Bank
For Security Bank ATM card holders, you may also experience the mentioned problems of reject and declined cards. In such a case, you may coordinate with your bank using 8887-9188
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