This ATM error code directory explains common ATM decline codes, machine errors, network issues, PIN problems, and cash dispensing failures. Use it to quickly understand what an ATM code means, what to do first, and when you should contact your bank.
Quick Answer: ATM Error Codes
ATM error codes appear when a transaction fails due to a network issue, card problem, withdrawal limit, security restriction, or ATM machine error. Most ATM errors are temporary and can be fixed by trying another ATM, lowering the withdrawal amount, or waiting a few minutes.
If you need a quick fix, switch to a bank-owned ATM and retry once. Many errors clear immediately on a different machine.
If an ATM charges your account but does not dispense cash, contact your bank immediately. Many failed withdrawals are reversed automatically, but you should still report the issue if money is missing, the charge stays pending, or your card is retained.
- Try another ATM if the error only appears once
- Check your available balance and daily withdrawal limit before retrying
- Avoid repeated attempts, especially after PIN or security errors
- Call your bank immediately if cash is missing or your card is retained
Find Your ATM Error Fast
Use this quick guide to identify the most likely cause of your ATM error code.
- Codes 05, 57, 62, 63: Bank decline, restriction, or security issue.
- Codes 51, 61, 116: Insufficient funds or withdrawal limit problem.
- Codes 55, 75, 121: Incorrect PIN, PIN lockout, or authentication failure.
- Codes 91, 92, 96: Network, routing, or system issue.
- Code 163: ATM may be out of cash or unable to dispense the requested amount.
- Code 3-DA001-10: ATM network connection or authorization issue.
What To Do First When You See an ATM Error
- Cancel the transaction if the option is available.
- Take your card immediately.
- Do not keep retrying the same failed withdrawal.
- Check your account for pending, duplicate, or completed charges.
- Try a bank-owned ATM or a different machine.
- Call your bank if anything looks wrong.
Is Your Money Safe After an ATM Error?
In most cases, your money is safe after an ATM error. If the ATM does not dispense cash, the failed transaction is often reversed automatically. However, you should not assume everything is fine if your balance changed, the withdrawal posted, or the ATM shut down during the transaction.
If an ATM charged your account but gave no cash, save your receipt if you have one, write down the ATM location, note the time of the transaction, and contact your bank as soon as possible.
For a step-by-step guide, see what to do if an ATM charges you without dispensing cash.
How ATM Error Codes Actually Work
ATM error codes are generated when one part of the ATM transaction process fails. A normal ATM withdrawal depends on several systems working together.
- Your card and PIN must be read correctly.
- The ATM must connect to the payment network.
- Your bank must approve the transaction.
- The ATM must have the correct cash available.
- The machine must dispense the money and complete the transaction record.
If any part of that process fails, the ATM may return an error code instead of completing the withdrawal.
ATM Error Codes by Category
Bank Decline and Card Restriction Errors
These errors usually mean your bank declined the transaction, restricted the card, or blocked the request for security reasons. Common codes include 05, 57, 62, and 63.
Balance and Withdrawal Limit Errors
These errors usually mean the requested amount is too high, your available balance is too low, or your daily ATM limit has been reached. Common codes include 51, 61, and 116.
See compare ATM limits across banks if you are unsure how much you can withdraw.
PIN and Security Errors
These errors usually involve an incorrect PIN, too many failed attempts, or a bank security check. Common codes include 55, 75, and 121.
ATM Machine and Cash Dispensing Errors
These errors usually happen when the ATM cannot dispense the requested cash, does not have the right bill denominations, or has a mechanical problem. Common codes include 30, 96, and 163.
If the ATM cannot dispense your requested amount, you may need to choose a smaller amount or use another machine. You can also review what bills you can get from an ATM.
Network and System Errors
These errors usually mean the ATM cannot communicate with your bank or the payment network. Common codes include 68, 91, 92, 96, 105, D0111, and 3-DA001-10.
Common ATM Error Codes Quick Table
| Error Code | Common Meaning | What To Do |
|---|---|---|
| 05 | Do not honor | Contact your bank |
| 51 | Insufficient funds | Withdraw less or check balance |
| 55 | Incorrect PIN | Re-enter PIN carefully |
| 61 | Amount exceeds limit | Lower withdrawal amount |
| 75 | PIN attempts exceeded | Reset PIN or contact bank |
| 91 | Issuer unavailable | Try later or use another ATM |
| 96 | System error | Switch machines |
| 163 | ATM cannot dispense amount | Try smaller amount or another ATM |
ATM Error Codes List: 50+ Codes Explained
Error Code 01: Refer to Card Issuer
Meaning: Your bank wants you to contact them before the transaction can continue.
Fix: Call the number on the back of your card.
Error Code 03: Invalid Merchant or ATM
Meaning: The ATM or transaction route may not be valid for your card.
Fix: Try another ATM, preferably one owned by your bank.
Error Code 04: Pick Up Card
Meaning: The card may be flagged and the ATM may retain it.
Fix: Contact your bank immediately.
Error Code 05: Do Not Honor
Meaning: Your bank declined the transaction.
Fix: Contact your bank or try a different transaction type.
Error Code 06: General Error
Meaning: A general processing error occurred.
Fix: Try another ATM or wait before retrying.
Error Code 07: Pick Up Card, Special Condition
Meaning: The card may be blocked, compromised, or flagged.
Fix: Contact your bank before making more attempts.
Error Code 12: Invalid Transaction
Meaning: The requested transaction is not supported.
Fix: Try a standard withdrawal or balance inquiry.
Error Code 13: Invalid Amount
Meaning: The withdrawal amount is not accepted by the ATM.
Fix: Choose a smaller amount or use standard bill increments.
Error Code 14: Invalid Card Number
Meaning: The ATM or network could not read or recognize the card number.
Fix: Reinsert the card, clean the chip, or contact your bank.
Error Code 15: No Such Issuer
Meaning: The ATM network could not identify the card issuer.
Fix: Try another ATM or contact your bank.
Error Code 19: Re-enter Transaction
Meaning: The transaction may not have been processed correctly.
Fix: Retry once, then switch ATMs if it happens again.
Error Code 30: Format Error
Meaning: A communication or transaction formatting issue occurred.
Fix: Try a different ATM.
Error Code 33: Expired Card
Meaning: The card is expired or no longer valid.
Fix: Use your replacement card or request a new one.
Error Code 34: Suspected Fraud
Meaning: The transaction may have triggered a fraud warning.
Fix: Contact your bank to verify your identity and activity.
Error Code 41: Lost Card
Meaning: The card has been reported lost.
Fix: Contact your bank immediately.
Error Code 43: Stolen Card
Meaning: The card has been reported stolen.
Fix: Do not retry. Contact your bank immediately.
Error Code 51: Insufficient Funds
Meaning: Your available balance is too low for the withdrawal.
Fix: Withdraw a smaller amount or deposit funds.
Error Code 52: No Checking Account
Meaning: The selected checking account is not available for the transaction.
Fix: Select the correct account type or contact your bank.
Error Code 53: No Savings Account
Meaning: The selected savings account is not available for the transaction.
Fix: Select another account or contact your bank.
Error Code 54: Expired Card
Meaning: The card expiration date has passed.
Fix: Activate and use your replacement card.
Error Code 55: Incorrect PIN
Meaning: The PIN entered was incorrect.
Fix: Re-enter your PIN carefully. Stop after one retry if you are not sure.
Error Code 57: Transaction Not Allowed
Meaning: Your card is not allowed to complete that transaction.
Fix: Contact your bank to check card restrictions.
Error Code 58: Transaction Not Permitted at This ATM
Meaning: The ATM does not support the requested transaction.
Fix: Try another ATM or use your bank’s machine.
Error Code 61: Amount Exceeds Withdrawal Limit
Meaning: The requested amount is above your card, account, or ATM limit.
Fix: Lower the amount or review ATM withdrawal limits by bank.
Error Code 62: Restricted Card
Meaning: Your card may be blocked or restricted.
Fix: Contact your bank before retrying.
Error Code 63: Security Violation
Meaning: The transaction triggered a security rule.
Fix: Contact your bank to verify the transaction.
Error Code 65: Activity Limit Exceeded
Meaning: Too many transactions or attempts may have been made.
Fix: Wait before retrying or contact your bank.
Error Code 67: Card Capture
Meaning: The ATM may retain the card.
Fix: Contact your bank immediately and freeze or replace the card if needed.
Error Code 68: Response Timeout
Meaning: The ATM did not receive a response from the bank or network in time.
Fix: Wait a few minutes or use another ATM.
Error Code 75: PIN Attempts Exceeded
Meaning: Too many incorrect PIN attempts were made.
Fix: Stop retrying and reset your PIN or contact your bank.
Error Code 76: Unable to Locate Record
Meaning: The system could not locate the transaction or account record.
Fix: Try again later or contact your bank if the issue continues.
Error Code 78: Account Not Recognized
Meaning: The account may be inactive, unavailable, or not recognized by the network.
Fix: Contact your bank.
Error Code 82: Security Validation Error
Meaning: A card security value or validation check failed.
Fix: Try another transaction or contact your bank.
Error Code 85: No Reason to Decline
Meaning: The network did not return a clear decline reason.
Fix: Retry once or use another ATM.
Error Code 91: Issuer Unavailable
Meaning: The ATM could not reach your bank.
Fix: Try later or use another ATM.
Error Code 92: Routing Error
Meaning: The transaction could not be routed through the network correctly.
Fix: Use another ATM or try later.
Error Code 93: Transaction Cannot Be Completed
Meaning: Your bank or the network blocked the transaction.
Fix: Contact your bank if it keeps happening.
Error Code 94: Duplicate Transaction
Meaning: The system may have detected a duplicate attempt.
Fix: Stop retrying and check your account activity.
Error Code 96: System Error
Meaning: The ATM, network, or bank system had a processing failure.
Fix: Try another ATM and monitor your account.
Error Code 100: Transaction Not Completed
Meaning: The ATM could not finish the transaction.
Fix: Check your account before retrying.
Error Code 101: Machine Communication Error
Meaning: The ATM had trouble communicating with the network.
Fix: Try a different ATM.
Error Code 105: Processing Timeout
Meaning: The ATM transaction timed out before approval was completed.
Fix: Retry once or switch machines.
Error Code 116: Insufficient Funds
Meaning: Your available balance is not enough for the withdrawal.
Fix: Check your balance or withdraw a smaller amount.
Error Code 121: PIN Authentication Failed
Meaning: The ATM could not verify your PIN.
Fix: Re-enter your PIN carefully or reset it through your bank.
Error Code 150: Transaction Declined
Meaning: The withdrawal was declined without a specific public reason.
Fix: Contact your bank if the problem repeats.
Error Code 151: Card Read Error
Meaning: The ATM could not read your chip, stripe, or card data.
Fix: Reinsert the card, clean the chip, or use another ATM.
Error Code 152: Card Not Supported
Meaning: The ATM may not support your card type or network.
Fix: Use another ATM or check your card network logo.
Error Code 153: Transaction Cancelled
Meaning: The ATM or user cancelled the transaction before completion.
Fix: Check your account before retrying.
Error Code 158: Cash Dispenser Error
Meaning: The ATM had a problem dispensing cash.
Fix: Do not retry repeatedly. Check your account and use another ATM.
Error Code 163: ATM Cannot Dispense Requested Amount
Meaning: The ATM may be out of cash, out of certain bills, or unable to dispense that amount.
Fix: Try a smaller amount, choose a different amount, or use another ATM.
Error Code 164: Cash Unavailable
Meaning: The machine may not have enough cash to complete the withdrawal.
Fix: Try a lower amount or another ATM.
Error Code 170: Receipt Printer Error
Meaning: The ATM may be unable to print a receipt.
Fix: Check your account online and save the transaction details.
Error Code 200: ATM Temporarily Unavailable
Meaning: The ATM may be offline, in maintenance mode, or temporarily disabled.
Fix: Use another ATM.
Error Code 3-DA001-10
Meaning: The ATM cannot connect to the authorization network or complete the request.
Fix: Use another ATM or try again later. Avoid repeated attempts.
Error Code D0111
Meaning: A temporary processing or communication issue occurred.
Fix: Wait a few minutes or use another ATM. Contact your bank if your account was charged.
ATM Errors That Require Immediate Action
Some ATM errors are minor, but others should be handled quickly to protect your card, account, and money.
- The ATM charged your account but gave no cash: Contact your bank immediately.
- Your card is stuck in the ATM: Call your bank and request a replacement if needed.
- You see duplicate withdrawals: Report the issue to your bank.
- The ATM shuts down mid-transaction: Check your account before trying again.
- The ATM looks damaged or suspicious: Cancel the transaction and use another machine.
How to Avoid ATM Errors
- Use bank-owned ATMs when possible.
- Check your balance before withdrawing.
- Know your daily ATM withdrawal limit.
- Use standard withdrawal amounts.
- Avoid retrying a failed transaction multiple times.
- Inspect the ATM for damage, loose card readers, or signs of tampering.
- Keep your PIN secure and enter it carefully.
Related ATM Guides
- ATM withdrawal limits by bank
- how to increase your ATM withdrawal limit
- ATM bill denominations and cash options
- ATM fees and how they work
- when ATM daily limits reset
- find an ATM near you quickly
What This Means for You
Most ATM error codes are temporary and can be resolved by switching machines, adjusting your withdrawal amount, or waiting a few minutes. However, ATM errors involving missing cash, retained cards, duplicate charges, or repeated security declines should always be handled by your bank.
The safest approach is to retry only once, check your account, and switch ATMs if the same error appears again.
Bottom Line
ATM error codes usually point to a network issue, card problem, account restriction, withdrawal limit, or machine error. Most issues are temporary, but you should contact your bank immediately if money is missing, your card is retained, or the transaction appears on your account without cash being dispensed.
Frequently Asked Questions
Why do different ATMs show different error codes?
Different ATM networks, banks, processors, and machine manufacturers use different coding systems. Even when the codes are different, many ATM errors point to the same basic issues: card problems, bank declines, network failures, or machine errors.
Can an ATM charge me if the transaction fails?
Yes. In some cases, a failed ATM withdrawal may temporarily appear on your account. Many failed transactions reverse automatically, but you should contact your bank if the charge does not disappear or if the transaction posts without cash being dispensed.
Should I retry after an ATM error?
You can retry once if the error appears temporary. If the error repeats, stop trying and use another ATM. Repeated attempts can trigger security locks, duplicate pending transactions, or PIN lockouts.
What does ATM error code 51 mean?
ATM error code 51 usually means insufficient funds. Your available balance may be too low for the requested withdrawal, or pending transactions may have reduced the amount available to withdraw.
What does ATM error code 61 mean?
ATM error code 61 usually means the requested withdrawal amount exceeds a limit. This may be your bank’s daily ATM limit, a card limit, or the machine’s own withdrawal limit.
What does ATM error code 91 mean?
ATM error code 91 usually means the ATM cannot reach your bank or card issuer. This is commonly a network or system availability issue. Try another ATM or wait before retrying.
What happens if an ATM keeps my card?
If an ATM keeps your card, contact your bank immediately. Your bank may freeze the card, issue a replacement, or tell you whether the ATM owner can return it.
Why does an ATM say transaction declined?
An ATM may say transaction declined because of insufficient funds, a daily withdrawal limit, an expired card, a security restriction, an incorrect PIN, or a temporary network issue.