You have insufficient available funds in your account to pay for the transaction. Check your available balance in the mobile app.

You may have recently blocked your card in the App and you haven’t un-blocked it.

You’re using an ATM, but either haven’t created your PIN or you’re using the incorrect PIN.

You haven't fully activated the card yet - you need to activate the card on the Mobile or Web app, then perform a balance inquiry in one approved ATM and then you will be able to use the card.

You’re making an online transaction and the card, expiration date, or CVV information you’re entering is incorrect.