Can't withdraw money from ATM card? Causes and quick fixes!

1.  Causen and how to fix it when the ATM card cannot withdraw money

1.1. ATM card is locked

Reason: The locked ATM card situation is one of the leading reasons why customers cannot make transactions, often exports arising from the following common reasons:

• Account not used for a long time: If user  Do not make any transactions from the card or bank account within 12 months, the bank may temporarily lock the account according to regulations to ensure safety and avoid risks related to unauthorized transactions. This situation often occurs with accounts that are opened but are rarely used or do not carry out trading activities for a long time.

Enter the wrong PIN code more than the specified number of times: Entering the wrong PIN more than 3 times in a row will cause the ATM card to be locked immediately. This is a security mechanism applied by banks to protect accounts against unauthorized intrusions. This situation often occurs when you forget your PIN, make a mistake when entering it, or someone else tries to access your account without permission.

How to fix: To handle the situation card is locked, customers need to contact the bank to unlock the card.  Customers can go directly to the nearest bank branch or transaction office, bringing identification documents such as ID card/CCCD or passport to perform identity verification. After completing verification, bank staff will assist customers in unlocking the card, re-issuing a new PIN (if necessary) and providing instructions on how to use it to avoid similar situations in the future.

1.2. ATM card was swallowed at the ATM

Reason: The situation of ATM cards being swallowed at ATMs is also a cause that can cause customers to experience inconvenience during transactions. Below are the common causes leading to this condition:

• Wrong operation or too slow: If the customer does not perform the withdrawal steps properly or does not receive the card promptly after the transaction is completed, the ATM may automatically swallow the card again. This often happens when the customer leaves the machine too early or has not completed the operation required by the ATM.

ATM tree error: ATMs may experience technical problems, such as software or hardware errors, leading to the customer's card being revoked without prior notice. This problem may occur because the ATM system is not working properly or has an error during the transaction.

How to fix: When an ATM card is swallowed, please contact the bank immediately via the Hotline number or go to the transaction counter to report the problem. If the card is swallowed at the card-issuing bank's ATM, the customer only needs to provide ID card/CCCD for the staff to check and return the card. In case the card is swallowed at another bank's ATM, the customer needs to request to block the card immediately and follow the bank's instructions to get the card back or get a new card.

1.3. ATM service temporarily stopped

Reason: ATM service outages can occur unexpectedly and cause interruptions in customer transactions. The main causes leading to this condition include:

• The ATM is out of money: One of the common reasons why ATMs temporarily stop service is because the ATM runs out of money. This often happens at the end of the day or when there is a large number of transactions, causing the machine to not have enough money to serve customers' withdrawal needs.
• Transmission or machine error: Sometimes ATMs may have technical problems, such as transmission errors or problems with the machine's hardware. This may cause the machine to be unable to perform transactions even though the customer has performed the required operations correctly, leading to failure to withdraw money.

The machine runs out of paper for printing invoices or transaction logs: If an ATM runs out of paper for printing receipts or transaction logs, the machine will not be able to complete the customer's transaction, interrupting the withdrawal process or providing transaction information.

How to fix: To handle this situation, customers should check the notice board on the ATM to see if there is any information about the machine's status, or contact the bank directly to confirm the operating status of the ATM. If the ATM is not working, customers can switch to another ATM in the area or wait a while for the machine to work again.

1.4 ATM card is damaged or scratched

Reason: A damaged or scratched ATM card is also one of the reasons why users have difficulty using the card at an ATM. The main causes can be mentioned as follows:

• Damaged magnetic strip or chip: If the card is scratched or damaged, especially the magnetic strip or chip, the ATM will not be able to read the information on the card, resulting in the customer being unable to make transactions. Scratches or damage may cause errors in scanning and recognizing card information.
• Old or poor quality cards: Old ATM cards after long-term use can also experience wear and tear, reducing card quality and affecting usability. If the card is no longer of good quality, the ATM may not be able to recognize the card or perform the transaction.

How to fix: In case the card is damaged or the information cannot be read, you need to go to the bank to request a new card. Bank staff will assist in verifying information and issuing new cards so customers can continue to make smooth transactions.

1.5 Expired ATM card

Reason: Each bank will regulate the expiration time of ATM cards, usually ranging from 3 to 5 years depending on the card type and bank policy. After the card has expired, the bank's system will automatically lock the card, making it impossible for customers to perform transactions such as withdrawing money, transferring money at ATMs, or paying via electronic transaction channels. Therefore, managing and monitoring the card's expiration date is very important to avoid interruptions in use card.

How to fix: Customers check the expiry date of the ATM card printed on the face of the card. If the card has expired, Customers need to go to the bank to request a new card or card renewal (depending on the bank's policy). The process of reissuing a new card is usually simple and quick, helping customers continue to use ATM services without experiencing any interruption in transactions.

Thus, when the ATM card cannot withdraw money, customers may encounter many different reasons, from the card being locked, damaged, to problems with the ATM machine. However, regardless of the reason, it is important not to panic and calmly find a way to handle it. The first step customers should do is check the card and ATM to determine the specific cause. If the problem cannot be resolved, customers should quickly contact the bank to receive timely support and resolution, ensuring continued use of the service conveniently and safely.

2. How to avoid ATM card errors that cannot withdraw money

To avoid the situation where the ATM card cannot withdraw money, customers can take the following measures:

Store your card properly:
Properly preserving your ATM card is very important to ensure it is always in good working condition. Customers should avoid having their cards scratched, broken or exposed to liquids, as this can damage the magnetic strip or chip on the card, making the information unable to be read by the ATM. In addition, avoid leaving the card in high temperature or humid environments to protect the card's durability.

Check card and balance before transaction:
Before making a transaction at an ATM, customers need to check the card's expiration date to ensure the card is still valid. At the same time, check your account balance to make sure the account has enough money for the transaction. This will help customers avoid the situation of not being able to withdraw money due to card expiration or insufficient balance.

Change your PIN periodically:
To protect your account from the risk of unauthorized intrusion, customers should periodically change their PIN. Changing your PIN regularly helps increase security, minimizing the risk of card information being stolen through methods such as fraud or cyber attacks.

Quick action when withdrawing money:
When making transactions at ATMs, customers Need to operate quickly and accurately to avoid the ATM from swallowing the card or not paying. Make sure the customer goes through steps like entering the PIN, selecting the amount, and receiving the card properly. Also remember to get your card and money back immediately after the transaction is completed to avoid the problem of the ATM not returning the card.

By taking these measures, customers can minimize ATM card-related problems and ensure a smooth and safe transaction experience.

3. SeABank – Open a card online easily, convenient to use anytime, anywhere

SeABank not only supports solving card-related problems but also provides convenient online card opening services, helping client Save time and travel costs. koverbearing Just follow the simple steps below to open a SeABank bank account and start using the service quickly.

1. Step 1: Download the SeAMobile application at Google Play or App Store.
2. Step 2: Open the application – Select Register – Select Continue.
3. Step 3: Select the appropriate document type (ID card/CCCD/Passport) – Take a photo of the documents and face, then select Continue.
4. Step 4: Add personal information and select Continue.
5. Step 5: Choose your username (you can choose your username as your phone number so it's easy to remember). The password will be sent via text message to the phone number you registered.

Step 6: Check the box to confirm you have read "Terms and conditions" and select Continue to complete registration.

After successful registration, client You can log in to the SeAMobile application for the system to record and complete the account opening. SeABank's online card opening service is not only quick, but also brings convenience and help to usersEasy access to banking services without having to visit a branch.

Card status ATM cannot withdraw money This can be due to many different reasons, including a locked card, a card being swallowed at an ATM, an ATM machine problem, or an expired card. Each cause will have its own treatment and prevention. Proactively understanding these causes and taking preventive measures is an effective way to help client avoid unwanted incidents.

Besides, SeABank is always ready to support client in handling issues related to ATM cards and other financial services. If Customers who need support please contact SeABank via Hotline 1900 555 587 or visit the website www.seabank.com.vn for detailed answers.