There are a few reasons your dosh card might have declined. Make sure you’ve checked these off the list to ensure your card purchases are successful every time.
Insufficient funds
The dosh Card is a prepaid debit card, which means you need to add money to your Everyday account before you can use it. It’s super easy to add money. You can:
Add money instantly in-app via Windcave. This option is instant, seven days a week and includes a flat fee of $0.70.
Set dosh up as a payee in your online banking account. Open your app, tap Add – Via bank payment, then follow the instructions provided. Bank transfers are completely free and are processed within 2 hours 7 days a week.
Make it even easier by setting up a recurring regular automatic payment from your bank account to your dosh account.
Transfer money from any of your Stashes to your Everyday account.
Card limits set below the value of the transaction
Jump into your dosh app, tap Card – Settings – Limits. Here you can set your single, daily and weekly card spend limits to suit. It pays to check here regularly to ensure your transactions always flow through smoothly.
Card not yet activated
Before you can use your dosh card you need to activate it. Open your dosh app and follow the prompts.
Wrong PIN
When you activated your dosh Visa Debit Card you would have set up a PIN for your card. If you cannot remember your PIN, you can change it in the dosh app by going to:
Tap dosh Card - App settings - Change card PIN. Then follow the prompts to change your card's PIN.
Your card is locked
Check that you haven't locked your dosh card:
Tap dosh Card - Check that Temporary lock is toggled off
Incorrect CVC or expiry date
If making an online purchase, check that you're using the correct CVC and expiry date. You can find these on the back of your card.
A merchant doesn't allow for prepaid debit cards
The dosh card is a prepaid card. Some merchants may choose to not allow for prepaid debit cards at checkout by their discretion. Some merchants who don't allow prepaid cards includes buy now pay later services and TAB.
Why use your dosh card over the others?
Rewards 🏆
doshback Rewards, NZ’s best value card rewards programme. With zero annual or sign-up fees, Doshback earns you 1% cashback on your first $1,000 eligible spend in the calendar month, paid out on dosh Day (every 3rd of the month).
Think about the everyday purchases you could earn 1% cashback on:
Rates 📂
Rent 🏡
Mortgage🏚️
Groceries 🍏
Food delivery services 🍽️
Fuel 🚙
Utility bills ☎️
Shopping 👚
Flights 🛫
...and so much more!
Jump in and add money to your dosh account, then use your dosh card to start earning doshback Rewards today.
Need help? Send us a message via the support icon in your app or email contact@dosh.nz so one of the team can assist you directly.