4 Essential Tips to Prevent Your SWIRL Card from Being Declined

July 9, 2024
7:27 am

4 Essential Tips to Prevent Your SWIRL Card from Being Declined

When using your SWIRL prepaid Mastercard to shop online or in-store, encountering a declined transaction can be stressful and inconvenient. Understanding why this happens and how to prevent it can save you time and frustration. Check out our four essential tips to help avoid having a SWIRL Prepaid Card declined.

1. Ensure Sufficient Funds

One of the most common reasons a SWIRL Card is declined is insufficient funds. With SWIRL, it’s easy to manage your balance and ensure you have enough money to cover your transactions.

How to Check Your Balance

The SWIRL Card App:

The most convenient way to check your balance is through our free SWIRL App. It provides real-time updates and allows you to manage your funds on the go.

Online Web-browser:

You can also login to your SWIRL account on our website www.swirlcard.com using your account login details to view your balance and transaction history.

Tips for Managing Your Balance

Top-Up Regularly:

Make it a habit to top-up your card regularly. You can do this in-store at your local Payzone retailers across the country, debit card via the SWIRL Card App or bank transfer.

2. Keep Your Information Updated

Another reason your SWIRL card might be declined is outdated or incorrect personal information. Ensure your details are current to avoid any issues with 3D Secure card verification.

Update Your Information

Personal Details: Log in to your SWIRL account online or through the app to update your personal details such as address, phone number, and email.

Payment Methods: Ensure that your linked bank accounts and debit cards are up to date.

Why This Matters

Having accurate information ensures that we can verify your identity and approve your transactions. It also helps in the event of needing to contact you for any issues regarding your card.

3. Understand Transaction Limits

Prepaid cards like SWIRL come with certain transaction limits. These limits can vary based on factors such as your account type and verification status.

A Breakdown of Our SWIRL Prepaid Mastercard Limits

Having accurate information ensures that we can verify your identity and approve your transactions. It also helps in the event of needing to contact you for any issues regarding your card.

Top-Up Limits:

SWIRL Card Account holders who have not yet verified their ID can only top-up a maximum of €1,000 daily, €1,000 monthly and a total of €1,800 yearly, however if ID has been verified In-App they can increase this limit significantly. Daily top-Up limits will increase to €2500 daily, €5,000 monthly and €25,000 yearly.

ATM Withdrawal Limits:

Know the maximum amount you can withdraw from an ATM in a single transaction or per day. With SWIRL Prepaid Mastercard you can withdraw up to €500 per day from the ATM.

How to Increase Your Limits

If you hit the limit mentioned above, consider verifying your ID In-App by simply logging in and completing the on-screen verification steps. You will be required to verify your ID using your passport, drivers’ licence or European identity card.

4. Ensure Secure and Authoriszed Transactions

Strict security and key fraud prevention measures can sometimes lead to legitimate transactions being flagged and declined. To avoid this, ensure that your transactions are secure and are being made on a reliable network and trusted online shop.

Tips for Secure Transactions

Recognised Merchants:

Use your SWIRL Card when making purchases from secure, recognised merchants. Avoid making online purchases from unfamiliar websites. This can help avoid card declines and ensure speedy online transactions.

Monitor Your Account:

Regularly check your transaction history and balance via the SWIRL App or online account. It is also important to report any unauthorised or unrecognisable transactions with our customer support team so they can investigate further.

Preventing Phishing and Scams

Using a separate card for online shopping is a great way to protect your primary bank account from scams and phishing attacks. A SWIRL Prepaid Mastercard is the perfect way to add an extra layer of security when paying online. You can also access a virtual card In-App, which you can also use for safe online transactions.

By following these four essential tips, you can significantly reduce the chances of your SWIRL card being declined. Always double check that you have sufficient funds for the purchase, ensure you keep your information updated via the SWIRL App, keep a close eye on your transaction limits, and maintain secure transactions from reliable websites to avoid your card use being distrupted. For more information on managing your SWIRL prepaid Mastercard, download our free SWIRL app today and experience seamless card management.