Are you looking for the Solution To Santander Card Not Working? If yes then you have nothing to worry about because you have come to the final solution. In this post we will try to cover everything you need to know about Santander Card and off course we will provide the solution you are looking for.
You may also want to know How To Fix Santander Mobile Banking App Not Working
Why is Santander Card Not Working?
Your Santander Card Not Working can be incredibly frustrating. I’m sure I’m not the only one who’s been in the situation where you have people lining up behind you, the “card declined” alert flashing menacingly, as you assure the cashier that you definitely have enough money on your card and that you have no idea what the problem is. Smiles
The truth is that there can be any number of reasons why your card is being declined. Some of them may be on your side (…are you sure you have sufficient funds on there? And is that definitely the right PIN?) but most are completely out of your hands.
So keep reading to the reasons behind your Santander Card Not Working and also find out what you can do to fix it in just a few minutes.
So Why is Santander Card Not Working?
1. Insufficient funds
Probably the most common reason for your Santander Card Not Working is that there are insufficient funds on the card.
It’s never nice to be caught at the cashier and have to do that embarrassed mumble that “you’re sure there’s enough money“. But it’s okay – it happens and we’ve all been there before.
It’s also very possible that it’s not your fault. For example, your paycheck may be delayed or another deposit may be pending and you can’t use the money yet. Either way, you’ll have to find another way to pay for this purchase or leave it behind.
2. Expired card
If your Santander Card has expired, it won’t be able to be used for transactions anymore.
Most banks will send you a new card a month or so before your current card expires, so if that hasn’t happened yet, it’s important to call your bank immediately and find out what’s going on. There may have simply been an oversight, but it’s also possible that someone has stolen your card from the mail.
If that’s the case, it’s good to let your bank know as soon as possible so they can take steps to make sure the other card can’t be used.
You may also want to know how to access and manage your Santander Bank Bank Account
3. Daily transaction limit has been reached
Some cards will have a daily transaction limit meaning that once you reach that amount, your card won’t work any more.
These limits are in place for security reasons, to avoid someone taking your Santander Card and using it to wildly spend all your money. It’s for that reason the banks generally won’t recommend that you increase this limit.
That said, there are times when you may need to do so. If now is one of those times, give your bank a call to see if that can be done temporarily. Just make sure you follow their usual advice to drop the limit back down once you’re done so you know your money is protected.
4: Santander Bank has flagged transaction for being suspicious
Your Santander card may have been blocked temporarily because your Santander bank has flagged a transaction as being potentially suspicious.
Honestly, it’s sometimes hard to know when this will kick in. I was once traveling and despite me telling my bank that I would be in a certain country, my card was blocked when I tried to buy an app online from that country’s Apple Store – and it only cost a few dollars!
This can usually be resolved fairly quickly through a call to your bank to explain that you’re the card owner and that you’re happy for the transaction to go through. That said, if you get an alert for a suspicious transaction and you’re not currently using your card, it’s time to call Santander bank straight away to make sure your account stays blocked.
5: Technical Problems
It may sound like a cop out to say “technical problems “, but issues somewhere along the line are a pretty common reason for your debit card to be declined.
Maybe the card machine in a store isn’t working properly, maybe the lines are down somewhere, maybe Santander bank is having some issues.
Whatever it is, these things aren’t always resolved straight away so if you need to make the purchase right now, it may be better to simply switch to cash or a different card.
The above are the commonest reasons behind not working of Santander Card. Now lets head to the solution you are here for.
Solution To Santander Card Not Working
We have already stated the reasons why your card isn’t working when you try to use it in a shop, at a cash machine or online. Take a look at our suggestions below to help get your card working again.
1: Is there enough money available in your account? Is there enough money available in your account to cover the payment? You can quickly check your balance in the mobile app.
You can also set up Quick Balance, which allows you to see the balances of up to 5 accounts on your device without needing to log on to Mobile Banking.
2: Are you using your latest card? If you’ve recently received a new card, double check you’re using the latest one, and not one that’s expired.
3: Check our service status page If you’re having problems with card payments or cash machines, check their service status page to see if it’s part of a wider known issue. This page will be updated when issues are being investigated, and when they’ve been fixed.
Solution To Santander Card Not Working In a Shop or at a Cash Machine
1:Have you activated your card? You can use your new debit card right away, though you’ll either need to buy something using a chip and PIN machine or visit a cash machine so contactless payments can start working.
If you have a new credit card, you can easily activate it in Online Banking
2: Contactless payment isn’t working: Contactless payments have a limit of £45. If you’re trying to buy something for £45 or less, try using chip and PIN on your next purchase. This may allow you to make contactless payments. If you think contactless might be blocked on your card, you can turn it back on again. Take a look at their Block Contactless guide to learn how.
3: Chip and PIN isn’t working: Make sure you’re using the right PIN. Take a look at their mobile banking guide if you’ve forgotten it.
If you’ve entered your PIN incorrectly too many times but now remember it, you can unlock your card at a cash machine.
Solution To Santander Card Not Working Online
If you’re trying to use your card to make an online payment, just check that the following details have been added correctly.
- The long card number.
- Expiry date.
- Account holder’s name (as it appears on the card).
- The 3-digit CVV number (or security code) on the back of your card.
- We may ask you to enter a One Time Passcode (OTP) for some online card payments. Take a look at their One Time Passcodes page to find out more.
Mobile payments: If you’re trying to use your phone or device to make a secure cashless payment, check that:
- your card is linked to your device
- you’ve not gone over the retailer’s specific limits
- you have enough funds in your account
- your phone is held correctly near the contactless terminal.
Please see their mobile payments guide for information on how to link your card, how to make payments, and much more.
Final Words On Santander Card Not Working
Santander’s website also offers a form where you can send general inquiries to the bank. Keep in mind that you should avoid including your account number, Social Security number or any other sensitive personal details in your message.