Some of the most common reasons resulting in your Revolut card being declined are insufficient funds, inputting incorrect card details (PIN, expiration date date, or CVC), exceeding your set monthly spending limit, or certain payment types (swipe, contactless) were turned off in your security settings. Your chip and PIN might also have not been used when they are available at the merchant's terminal.
Please check the 'Cards' section of your app to review card details, unblock PIN/CVC when 3 incorrect attempts have been made, and make sure your card has not been frozen, expired, or reported lost or stolen. Your lost or stolen card if found can be linked back to your Revolut account in the app.
If your transaction was declined but your Revolut account was debited for the transaction, please fill out our online chargeback form for our team to help. If the transaction is pending, please wait 7 days after the transaction before submitting the form. The money should be returned to your available balance after this period of time.
Please note, this process may take up to 50 days as we are obliged to give the merchant time to respond.