A debit card may be declined for many reasons, including:

Daily or weekly transaction limit has been reached
The account doesn’t have enough funds available (e.g. a recent deposit may be on hold)
Card details or PIN were entered incorrectly
New or replacement card isn’t activated yet
Card has been closed, cancelled, or is expired
Card is temporarily blocked (e.g. you reported your card as lost or stolen, or there’s been unusual purchasing activity)

To review your available funds:

From the app’s home screen, select your bank account
On the account screen, select Manage
Under Details, review available balance

To review your daily and weekly transaction limits:

From the app’s home screen, select More
Select Profile and settings
Select View Transaction Limits

To change your purchase limits, connect with Scotia chat, type the phrase "change limit," and follow the prompts to connect with a live chat advisor daily from 8 am to 10 pm ET.

If you have the available funds and haven’t reached any transaction limits, please call the number on the back of your card for support. If you’re having issues with your PIN, please visit your closest branch. To replace your ScotiaCard, you can visit your closest branch or request a replacement through online banking.

Why will my ScotiaCard be re-issued on a regular basis?

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