Why does my card keep declining on TfL?

Unpaid fares Sometimes your card may be accepted by our card readers, but the payment is declined by your card issuer. If this happens: You've made a journey that you've not paid for. You won't be able to use your card again to travel until the unpaid fare has been paid.



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Confirm that the store accepts mobile payments. Contact your bank to find out if there's an issue with your card. Try a different payment method. Some terminals may not accept certain cards.

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New and replacement cards If you have a new or replacement contactless card, you might not be able to make a contactless payment until you've made your first chip and PIN transaction. This is a security measure applied by your card issuer. Also check the 'Valid From' date to ensure it's ready to be used.

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If the time between touching in at the start and touching out at the end of your journey is more than the maximum journey time limit, you'll be charged two maximum pay as you go fares. A single maximum fare is: up to £9.40 in Zones 1-9. up to £26.00 beyond Zone 9, including on the Heathrow Express.

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The pandemic is the only reason TfL is facing a financial crisis and it has worked hard to progress all conditions placed on them by the government. TfL has already been making every efficiency saving it can to try to save services, cutting annual running costs by £1bn over the last five years.

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