ATM error codes appear when a machine cannot complete a transaction. These codes may show up while withdrawing cash, depositing money, or checking your account balance.
This complete ATM error code directory explains what common ATM error codes mean, why they happen, and exactly what you should do next. Use this guide anytime an ATM shows an unfamiliar code during a transaction.
Quick Answer
- ATM error codes indicate transaction failures, network issues, card problems, or withdrawal limits.
- Many errors are temporary and resolve by using another ATM.
- Security-related errors may require contacting your bank.
- If an ATM charges your account but dispenses no cash, contact your bank immediately.
Why ATM Error Codes Happen
Most ATM errors fall into a few categories: card authentication issues, network communication failures, withdrawal limits, machine maintenance problems, or fraud prevention systems.
Modern ATMs rely on several systems working together, including the bank’s authorization network, card authentication systems, and the machine’s internal hardware. If any step fails during the transaction process, the ATM generates an error code.
Common ATM Error Codes and How to Fix Them
Error Code D0111
Meaning: Transaction failed due to a temporary network or processing error.
Fix: Wait a few minutes and try again or use another ATM.
When to call your bank: If your account shows a pending withdrawal but no cash was dispensed.
Error Code 3-DA001-10
Meaning: The ATM cannot communicate with the bank’s authorization network.
Fix: Use a different ATM or return later.
Tip: Avoid repeated attempts, which may trigger a temporary security block.
Error Code 121
Meaning: Card authentication or PIN verification failed.
Fix: Reinsert the card and carefully enter your PIN.
Call your bank if: The correct PIN continues to trigger the error.
Error Code 163
Meaning: The ATM cannot dispense the requested amount because it is out of cash or lacks the correct bill denomination.
Fix: Try a smaller withdrawal or use another ATM.
Related: ATMs that dispense $10 bills
Error Code 105
Meaning: A general processing timeout or machine communication failure.
Fix: Retry the transaction once or switch to another ATM.
Important: Avoid repeated attempts to prevent duplicate pending transactions.
Error Code 116 (Insufficient Funds)
Meaning: Your available balance is lower than the requested withdrawal.
Fix: Check your balance or request a smaller withdrawal.
Error Code 51 (Card Limit Reached)
Meaning: The withdrawal exceeds your card’s daily ATM withdrawal limit.
Fix: Withdraw a smaller amount or request a temporary limit increase.
Related: ATM withdrawal limits by bank
Error Code 54 (Expired Card)
Meaning: The ATM detected that your debit card has expired.
Fix: Use a replacement card or request a new card from your bank.
Error Code 61 (Withdrawal Amount Too High)
Meaning: The withdrawal exceeds the ATM’s allowed transaction limit.
Fix: Reduce the withdrawal amount or visit a bank branch.
Error Code 65 (Too Many Attempts)
Meaning: Multiple failed transactions triggered a temporary security block.
Fix: Wait for the lockout to expire or contact your bank.
Error Code 75 (PIN Entry Lockout)
Meaning: Too many incorrect PIN attempts were entered.
Fix: Reset your PIN through online banking or contact your bank.
ATM Errors That Require Immediate Action
Contact your bank immediately if:
- The ATM dispenses no cash but charges your account
- The machine keeps your debit card
- The screen freezes during a transaction
- You notice duplicate or unfamiliar charges
If you were charged but received no cash, see our guide: ATM charged me but no cash.
How to Avoid ATM Errors
- Use bank-owned ATMs when possible
- Check your balance before withdrawing
- Withdraw common denominations such as $20 bills
- Inspect the card slot and keypad before using the machine
- Avoid retrying the same failed transaction multiple times
Frequently Asked Questions
Why do different ATMs show different error codes?
ATM manufacturers and banking networks use different systems, but most codes represent similar problems such as authentication failures, withdrawal limits, or network issues.
Can an ATM charge me even if the transaction fails?
If an ATM fails to dispense cash but your account shows a pending withdrawal, the bank will usually reverse the charge automatically within a few hours or the next business day.
Should I retry an ATM transaction after an error?
You can retry once. If the error repeats, switch to another ATM to avoid duplicate pending charges or security lockouts.
