My Client Card isn’t working. Why?

If your Client Card is 10 years old or more, your Card chip has probably expired. To get a new Card, which also includes Visa Debit: 

Online at tangerine.ca:
1.  Log in and select your Chequing Account
2.  Select 'Manage Card' and then 'Upgrade to Visa Debit'   

Mobile Banking app:
1.  Log in and select your Chequing Account.
2.  In the top right corner, tap the 3 dots and select 'Manage Card'
3.  Select 'Upgrade to Visa Debit'

Otherwise, your transaction could have been declined for a number of reasons. Some of the most common reasons are:

• You’ve entered the wrong PIN
• Available funds in your Account won’t cover the transaction
• You’ve reached your withdrawal/debit purchase limit
• You’ve selected ‘Savings’ while paying at a merchant terminal instead of ‘Chequing’ (the ‘Saving’ spot is only for a second Chequing Account, if you have one)
• The expiry date on your Card has passed
• Your Card hasn’t been activated yet
• There’s an issue with the merchant’s machine
• Your Card’s tap or chip feature malfunctioned or is damaged

What we suggest doing:

• Check to see if your Card is in good order (not expired or damaged).
• Try doing another transaction at a different location.
• Do a transaction at a  Scotiabank ABM, such as a deposit, withdrawal, or PIN change. This should reset your Card, which could solve the problem.

If you’re still having trouble with your Client Card, go to your Chequing Account page and hit ‘Manage Card’. From there, you’ll be able to request a new Card. If you have any questions or need further help, feel free to call us at 1-888-826-4374.