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Payment Declined - By Your Bank
The most common reason for an unsuccessful card payment is that your bank has declined it. This means they have sent a 'Do Not Honour' response to TransferWise.
It's normal for them to stop a payment that they might perceive to be unusually large or to a new and unknown recipient - just in case.
The best way to resolve this is to give your bank a quick call, let them know it is you making this payment and that TransferWise is a trusted recipient. Once they've confirmed this, your next attempt should be successful.
3D Secure Verification Issue
If your card is flagged as not 3D Secure, or if you’re having issues with the 3D Secure data not being accepted (Verified by Visa/Mastercard Secure etc.), it is best to contact your bank to confirm if there is an issue and to make sure your card is 3D Secure.
If the issue persists, you can always make a bank transfer to us instead (if possible) or use an alternative card.
Some anti-virus or firewall software can affect your card payment. With anti-virus software, please add TransferWise to the list of "safe merchants". Please also make sure that any anti-virus or firewall software that you have installed will allow pop ups.
Your bank might also stop your card payment if there isn't enough money in your account or if you have a per-transaction limit. They could also be treating your payment as 'cash withdrawal'.
Though card limits vary from card to card and from bank to bank, per-transactions limits in many southern European countries (France especially) can be as low as €300 - €500.
Other banks may treat card payments as cash withdrawals, meaning your cash withdrawal limit will apply.
To find out more or to adjust your limits, please get in touch with your bank. It can take some time for the changes to take effect, so we recommend paying by bank transfer or setting up a smaller transfer in the meantime.
Payment Declined By TransferWise
In order to protect you from potentially fraudulent activity, we can also deny your payment. This is often because your card has been issued in a country which we do not currently support.
If this is the case, you'll need to use an alternative payment method - either a bank transfer or a different card .
In the majority of cases, card payments are unsuccessful due to one of the four reasons above. If you see a more generic error message, the best option is to try an alternative payment method.