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Why was my debit card declined?

Sometimes your payments might be declined , this could be because:


  • You could have pending payments or direct debits which impact your available balance.


  • Some chip and PIN readers can't contact Tesco Bank to authorise your transaction.


You may also have a different card type. You will know if you have this card as the seventh of the long card number across the middle of your card will be a 5.


Tesco Bank Debit Card


This card will always attempt to check that you have enough money in your account to make a payment to help you avoid going overdrawn.


Sometimes, your card might be declined if the seller can’t check you have enough money to make a payment, for example:


  • Your card won’t work at Pay at Pump petrol machines – however, as long as you have enough money in your account, you will be able to pay at the kiosk.


  • Your card might not work on certain toll booths or some forms of transport, for example buying a ticket on a train.
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Last update:
‎01-05-2015 01:21 PM
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None of the above comments cover my situation but my card was declined twice, I have asked WHY this was done and could not get an answer from the 0345 835 3353 number and asked to make a complaint, and have received an email pointing me towards The Financial Ombudsman, I do not wish to do this all I want is an answer to my question Why was my Card Declined twice and is this going to happen again. 

Hi @RD35, I'm sorry to hear that. Unfortunately I'm limited on the information that I’m able to give via this channel. However, the letter that we've sent you should have contact details with an advisor who's able to help you further. 


who idea not allowed use your card train are you for real grrr

I'm sorry to read that you've had issues with your card @bristolash91. Have you called the Current Account team to check on why the card was declined? The team are available 24/7 on 0345 835 3353 and they'll be able to help.