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Why has my transaction declined?
Why has my transaction declined?

Your transaction may have been declined for a number of reasons!

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Written by Adam Wood
Updated over 2 months ago

There are several reasons why a transaction may be declined. If one of your transactions is declined, we will email you with the specific reason. Some possible reasons for your card being declined include:

1. You do not have enough funds on the particular Ben Card you're trying to use for this particular purchase

2. Commonly blocked transactions include:

  • Transfer to financial services institutions / banks

  • Cashback

  • ATM Withdrawals

  • Gambling


3. You have used the wrong billing address or CVV code. Please check you have the correct billing address and card details entered

4. Your card is frozen. You can always unfreeze your card by:

  • Logging in to Ben

  • Navigating to the particular card

  • Clicking on the ‘Card💳’ button

  • Hovering over the card and clicking ’Show’

  • Entering your Passcode

  • Selecting the Snowflake icon to Freeze/Unfreeze

5. The merchant may have declined the purchase on their end. Our support team can usually tell if it is a merchant issue, when checking the card declines.

If you are unsure why the card has declined, please reach out and our support team can assist!



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