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Why is my purchase declined?

  • There is insufficient funds in your savings/current account that is linked to the CIMB Debit Mastercard. You will need to top up funds in your account.

  • There is insufficient funds due to pre-authorisation holding amount at petrol station or hotels. You will need to top up funds in your account.

  • Your purchase amount exceeds your chosen daily spending limit. You can opt to change your spending limit either via ATM or CIMB Clicks.

  • The Point-of-Sale function on your CIMB Debit Mastercard is disabled. To activate this function, click here for the self help guide. 

  • The non-3D secure online transactions, mail order or telephone order transactions (CNP: Card-Not-Present) on your CIMB Debit Mastercard may be disabled. You can call us at +603 6204 7788 (local or overseas) to opt-in.

  • If your transactions are declined overseas, you may not have activated the Overseas Flag. To activate this function, click here for the self help guide. 

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