Your Direct Debit can fail for a number of reasons.
Most of the time, you can find what happened by going to Home in your account and selecting the failed transaction — there should be information that can help you. Here are the most common reasons why a payment might have failed.
We don’t offer Direct Debits for your currency
Direct Debits are only available for AUD, CAD, EUR, GBP, and USD account details. If you set up a Direct Debit for other account details, it won’t go through.
There wasn’t enough money in your balance
If you didn’t have enough money on your balance when your merchant tried to bill you, the payment won't go through. You’ll need to add money and try again.
Try to add money 1 day before your payment is due.
You cancelled the Direct Debit
When you cancel an upcoming Direct Debit, you stop the merchant from debiting any money from your account going forward. You can only do that through your merchant directly — Wise can’t cancel Direct Debits for you.
Your merchant had trouble setting up your Direct Debit
There’s a number of reasons your merchant can have trouble setting up your Direct Debit. When this happens, we can’t process it correctly and have to reject it. You can contact your merchant directly to ask what you should do.
Direct Debits aren’t allowed in your country
You may have recently changed your address to a country where we don’t offer balances or Direct Debits. Direct Debits are unsupported in North Macedonia and Montenegro.
Learn how to change your address if you’ve moved
What should I do next?
Whenever your Direct Debit fails, we recommend you get in touch with your merchant to learn more and arrange another way to pay.
Merchants can charge you a fee for a delayed or failed payment, so always get in touch with them if there are any issues to avoid fees. If they charge a fee, we can’t reimburse you as we didn't make the charge.