Why has my card transaction been declined?
There are a number of reasons why your transaction may have been declined, these could be:
Insufficient funds
Check your balance and make sure you have enough available funds to complete the transaction.
You’ve exceeded your cash machines daily withdrawal limit
if you hold a Lloyds Bank current account, the amount you can withdraw at a Cashpoint or other cash machines is £500 per day. This daily cash withdrawal limit also applies overseas.
Your card isn’t activated
If you’re using a credit card, check that the card has been activated. Follow the instructions on the sticker on the front of the card or if you are already registered for Internet Banking, you can activate it online. You can also activate your credit card over the phone, once you have received it, by calling us on 0800 032 0444.
Your card has expired
Check the expiry date on your card, we will issue you a new card prior to your existing card expiring
If you're using your card to pay for something online or over the phone, your transaction may have been declined because of the following:
Incorrect CVV number
Check that you have entered this correctly. This is the last 3 digits of the security code on the signature strip on the back of the card. If you’re using your card to pay for something online or over the phone, you should be asked for your CVV number.
Your name and address don’t match our records
Your billing address should be the same as the address we hold for you on our records. You can often choose to add a different delivery address if required.
If you’re still having difficulty then please get in touch:
Debit cards
call us on 0345 300 0000
If you're calling from abroad or would prefer not to use the 0345 number, you can call us on +44 (0)1733 347 007.
Credit cards
Call us on 0345 606 2172
If you're calling from abroad or would prefer not to use the 0345 number, you can call us on +44 (0)1702 278 272.
Calls to 03 numbers are charged at no more than local rate.
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