My debit or credit card doesn’t work. What should I do?

There are several reasons why your cards might be rejected at shops, cash machines or online.

In store/withdrawing cash

  • Not enough money in your account – check your balance to make sure you have sufficient cleared funds in your account
  • Retailer error – there may be a temporary systems problem or the retailer might have inputted your card details incorrectly, so it’s worth trying again
  • PIN not working – see our help on PINS

In store/withdrawing cash

In store/withdrawing cash


  • Card details entered incorrectly – try again, taking care to enter your details exactly as they appear on your card
  • Systems error – this might have prevented the online transaction from being processed, so it’s worth trying again
  • Additional security required – some debit or credit card payments require a second level of security validation, such as Verified by Visa. This system includes a link to follow if you’ve forgotten your password

If your card still doesn’t work, call Telephone Banking (if you’re registered) or visit a branch

For Personal customers – call 0345 734 5345* 

For Premier customers – call 08009 24 7 365* 

If you’re having problems with your Barclaycard, call 0844 811 91111* or 0800 587 2104 (Textphone).

Find more help here