Seeing “Transaction failed” or “Oops! Something went wrong” when sending a card transfer can be frustrating. Here are the most common reasons a transfer to card doesn’t go through, and what to do next:
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Recipient’s bank doesn’t support card transfers
If you see “Your card is not eligible for transfer,” ask the recipient’s bank whether they support Mastercard Send or Visa Direct. You can also try a regular bank transfer instead. -
Recipient’s bank is in a country which is not supported
Transfers work only for cards issued in supported countries. You can check the full list here. Try sending to a card from one of those countries. -
Recipient’s card is closed or blocked
Transfers can be sent only to active cards. If the card you entered is closed or blocked, ask the recipient for another active card. -
You’ve reached your transfer limit
Check your card transfer limits or account limits. Once you’re below the limit again, your next transfer should work. -
Security check
Occasionally, transfers may be stopped by our security systems for safety reasons.
Transfer to card shows as sent, but the recipient didn’t get the money
If your transfer shows as “Completed” in the ZEN.COM app, it may still be processing on the recipient’s bank side.
- Within the EEA, card-to-card transfers are usually instant.
- Outside the EEA, they can take up to 5 working days.
If it’s been longer, download the transfer confirmation and ask the recipient to check with their bank. They can locate the incoming transfer using the time and amount.