Payment declines

If a payment declines, you can see the reason in your Monzo app. Tap the declined payment in your feed, scroll down, and tap Something wrong? Get help.

Not enough available balance

Pending payments reduce what you can spend. If your available balance is too low, the payment may decline.

Chip & PIN needed

After several contactless payments, you’ll need to use Chip & PIN before contactless works again.

Authentication needed (3D Secure)

Some online payments must be confirmed in your Monzo app. They may decline if the approval is cancelled, times out, or if the amount changes.

Apple Pay or Google Pay issues

Wallet payments need your device unlocked and your card added correctly. If declines continue, try removing and re-adding your card in your wallet.

Merchant issues

If the payment doesn’t appear in your app at all, we didn’t receive a request from the card machine. Ask the merchant to try again, use a different terminal, or pay another way.

If you're still having trouble, chat to us in the app by tapping here