Why has my debit card transaction been declined?

If your debit card transaction has been declined, we recommend the following:

  1. Confirm that you have not locked your card. You can confirm this by following these steps to unlock your card.
  2. Confirm that your account has an available balance. You can confirm this by following these steps to check your account balance.
  3. If you’ve not used your card before, confirm that your card has been activated. You can follow these steps to activate your card.
  4. Confirm that your card has not expired. Cards will continue to work up until the last day of the expiry month.
  5. If your transaction is declined after entering a PIN, you can follow these steps to change your card PIN.
  6. If your transaction is declined when making a purchase online, check you have entered the correct card details.

Sometimes transactions can be declined due to reasons outside of our control. We recommend that you attempt to use your card at a different merchant to rule out any issues with your physical card.

If your transactions continue to be declined, you can follow these steps to request a replacement card via Macquarie Online Banking or the Macquarie Mobile Banking app.

Why has my credit card transaction been declined?

If your credit card transaction has been declined, we recommend the following:

  1. Confirm that you have not locked your card. You can confirm this by following these steps to unlock your card.
  2. If you’ve not used your card before, confirm that your card has been activated. You can follow these steps to activate your card.
  3. Confirm that your card has not expired. Cards will continue to work up until the last day of the expiry month.
  4. If you are an additional credit card holder, the primary card holder will need to ensure that they have activated their card.
  5. If your transaction is declined after entering a PIN, you can follow these steps to change your card PIN.
  6. If your transaction is declined when making a purchase online, check you have entered the correct card details.

Sometimes transactions can be declined due to reasons outside of our control. We recommend that you attempt to use your card at a different merchant to rule out any issues with your physical card.

If your transactions continue to be declined, you can follow these steps to request a replacement card via Macquarie Online Banking or the Macquarie Mobile Banking app.

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Unless stated otherwise, this information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Finance is subject to our credit approval criteria. Terms and conditions apply and may change without notice.

Apple Pay, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android Pay, the Android Logo and Google Play are trademarks of Google Inc. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Other than MBL, none of the Macquarie Group entities referred to are authorised deposit-taking institutions for the purposes of the Banking Act 1959 (Cth), unless noted otherwise. Their obligations do not represent deposits or other liabilities of MBL. Unless otherwise stated, MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity.

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