If you get a message -> Your purchase could not be completed, you need to Add a payment method to your Apple ID – Apple Support (UK)
- If you want to change your card, add first the new card, then remove the old one.
- orif you use your AppleAccount balance, you need to set your AppleAccount balance as your default payment.
See also ⤵️
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
FYI: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.
Add money to your Apple Account balance -> Add money to your Apple Account balance - Apple Support
If you have set your AppleAccount balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.
Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.
Check also -> If your payment method isdeclinedin the App Store or iTunes Store, see ->
If your payment method is declined in the App Store or iTunes Store - Apple Support
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How to complete your purchase if a payment failed or was declined
- On your iPhone or iPad, open the Settings app.
- Tap your name.
- Tap Payment & Shipping.
- Add a different payment method and remove the old one.
- Try to complete your purchase.
If you still can't make a purchase
If you update your payment method or add funds to your AppleAccount balance, It would take about 1 to 3business daysin order to process.
If you're still unable to update your payment method,Contact Apple Support.
If you have followed all the steps and instructions and if you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and serviceor check ->herefor more support and assistance.
FAQs
There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.
Why is my card getting declined when I have money? ›
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
Why is my card declined if I don t have enough money in my account credit or debit? ›
Having insufficient funds is the most obvious reason behind a card decline. Some checking accounts offer overdraft protection to help you pay for a purchase even when you have insufficient funds. The option is usually unavailable beyond a limit or for multiple transactions within 24 hours.
Why does it say I have insufficient funds available when I have money on my account? ›
There are several reasons why you may see an "insufficient funds" error message even though you have enough money in your account. Some possible reasons include: Pending transactions: If you have any pending transactions, such as checks or debit card transactions, they may not be reflected in your available balance.
How do I know if my card is blocked? ›
When your account is blocked it means you can't make any purchases using your debit card. It also means any direct debits or standing orders will not be processed. Access to your funds will also be blocked therefore, you can't withdraw cash out at ATM or Post Office and you can't make any payment transfers.
How do you solve insufficient funds? ›
The "insufficient funds" error
In other words, what you are trying to buy costs more than what you have in your bank account. Solution: Refill the funds on your bank account in order to fix this error.
How do I unblock my debit card? ›
You can directly approach your bank or its branch and submit a written application, requesting an automatic unblock of the ATM card. To verify your identity as the card's user, you must submit ID and address proof. Once these details are verified, the bank will unblock your card.
Why is my debit card invalid when I have money? ›
Too many transactions. Making too many transactions, particularly in a short period of time, is a “red flag” to credit unions and banks. While you may simply be doing a lot of shopping, your account could be temporarily frozen. You've exceeded your daily spending limit.
What happens if debit card is declined but money still taken? ›
If a POS machine declined your transaction but you have been debited, you should contact your bank immediately. Your bank should be able to investigate the transaction and help you get a refund if necessary. In this case, the amount must credit to your account within a period of 7 days.
Can a credit card be declined for insufficient funds? ›
Types of credit card declines
Code 51—Insufficient funds: The cardholder does not have enough money to cover the transaction in the account associated with the credit card.
When your card is blocked, you cannot make online payments as it will get declined. Also, the card will not be read by the card reader at the ATM or it will not accept the PIN or decline the transaction again. You can confirm if the card is blocked by calling customer care service or at the bank branch.
How do I fix insufficient credit? ›
How to fix insufficient credit history
- Review your credit report for errors. A study by Consumer Reports discovered that 34 percent of people have had at least one error on their credit report. ...
- Get a secure credit card. ...
- Pay your bills on time. ...
- Maintain or reduce credit utilization ratio.
This message is typically displayed when the cardholder's account balance is not enough to cover the transaction amount, including any applicable fees or taxes.
Can I use my debit card with insufficient funds? ›
In general, for debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you don't opt-in, you can't be charged a fee.
How do I fix insufficient funds on my iPhone? ›
If your payment method is declined in the App Store or iTunes...
- On your iPhone or iPad, open the Settings app.
- Tap your name.
- Tap Payment & Shipping.
- Add a different payment method and remove the old one.
- Try to complete your purchase.
Occasionally it may be possible for the bank to pay an ATM or everyday debit card transaction even though there is not enough money in the account. Customers should not assume that because the ATM or other debit card transaction goes through that there is enough money in the account to cover it.
Why do banks charge you for insufficient funds when you don t have enough money on your account to pay it? ›
The bank covers a transaction that overdraws an account, and a fee is assessed. The customer is expected to pay back the fee as well as the money loaned from the bank. The bank denies a transaction that would otherwise overdraw the account, which can result in bounced checks or declined electronic payments.
Why is my card overdrafting? ›
Overdraft fees occur when you don't have enough money in your account to cover your transactions. The cost for overdraft fees varies by bank, but they may cost around $35 per transaction.
