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My Client Card isn’t working. Why?

My Client Card isn’t working. Why?

Your transaction could have been declined for a number of reasons. Some of the most common reasons are:

  • You’ve entered the wrong PIN
  • Available funds in your Account won’t cover the transaction
  • You’ve reached your withdrawal/debit purchase limit
  • You’ve selected ‘Savings’ while paying at a merchant terminal instead of ‘Chequing’ (the ‘Saving’ spot is only for a second Chequing Account, if you have one)
  • The expiry date on your Card has passed
  • Your Card hasn’t been activated yet
  • There’s an issue with the merchant’s machine
  • Your Card’s tap or chip feature malfunctioned or is damaged


What we suggest doing:

  • Check to see if your Card is in good order (not expired or damaged).
  • Try doing another transaction at a different location.
  • Do a transaction at a Scotiabank ABM, such as a deposit, withdrawal, or PIN change. This should reset your Card, which could solve the problem.


If you’re still having trouble with your Client Card, go to your Chequing Account page and hit ‘Manage Card’. From there, you’ll be able to request a new Card. If you have any questions or need further help, feel free to call us at 1-888-826-4374.