ATM declined transaction but funds removed from balance (USA)


I’ve been travelling in the USA for the last week and successfully using my Revolut card for card payments and ATM withdrawals.

A couple of days ago I tried to withdraw cash from an ATM that I’d successfully used previously. The transaction was declined but the funds were removed from my Revolut balance.

Currently, the payment is showing in the app as pending. Will the funds reappear in my account at some point? Or do I have to join the growing queue of people cashing lost money…?


Funds should reappear soon if it was declined. The longest it should normally take is 7 days.

However, for peace of mind, you can contact :r:'s customer support regarding this.

Revolut are you saying if payments are declined but money is still taken that it will get refunded after maximum 7 days as the retailer hasn’t received the money? I need an answer as I’m £167 down after this happened yesterday.

I don’t work for Revolut.


As the blog post details: Money is ‘blocked’ (e.g. Set aside.) from your account during a transaction, and the 7 day period is for the merchant to claim the money. Unclaimed money is returned.

Hi there.

The transaction is pending at the moment which means that the merchant has not either collected the funds nor declined the transaction.

There are two possible scenarios now: either they will realise the error and decline it, or they will not realise the error and will settle the transaction.

When that happens, you will be able to see that the transaction no longer appears in grey in your transaction history on the app. Then you can just let us know and we will be able to raise a chargeback on your behalf to recoup the funds.


Andreas K.

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Hi Andreas

Thank you for that feedback/help. I’ll check at the end of 7 days to see what it shows in the app. I’ve kept the ‘declined’ receipt from the ATM so it’s good to know I can get in touch if the funds are taken rather than ‘freed’ back to my account.