Incase you got money in your expired debit card but you need the money at all course then having the knowledge on on how to get money off an expired debit card will be of great importance to you.
In simple terms, a debit card is that card which is linked to a bank account and it allows you to use your funds available in your bank account with ease. Debit card are also referred to as ATM cards due to the fact that they can be used at ATM points to withdraw cash from your account.
Debit card are also prepaid card which allows you to shop online and internationally without any problem.
However the advantages that you obtain from your debit card comes to an end as soon as your debit card expires. When your debit card expires, you are practically left without a means to access your money from your account at an ATM and to undertake several transactions such as ATM withdrawals, paying bills, etc.
In order to avoid being cut short of the enjoyment of your debit card, you will have to anticipate your card expiry date and make sure you renew it before it comes to expiration.
I am sure you will not want to have a bank account without debit card cause it can be very frustrating since you will have to queue in front of the bank before you can carry out any transaction.
In case you are already held down to the situation where your debit card has expired and you have funds in the expired debit card, then do not bother as your money is still there since a debit card does not actually store funds on its own.
That said, this means that debit card is always linked to a bank account which it uses as a funding source and it is this bank account that holds all the money available in your debit card.
In order to get money off an expired debit card, you can either transfer the funds in the account to another account or request for a replacement card or better still you ca visit a nearby bank branch and then request to withdraw money from your expired debit card.
So want to get money off an expired debit card? then stay glued to this article as I will show you how to do so in 3 different ways.
Table of Contents
What is an Expired Debit Card?
When a debit card approaches or beyond its stated expiration date, it is said to be expired. A debit card that has expired won't work to make purchases anymore. As a result, you are unable to make purchases since you constantly get a "declined" signal.
On the last day of each month, most debit cards expire. Your card will no longer be operational as a result of this change, and you will be informed through email or SMS. For instance, the Capital One debit card is valid through the end of the month that is designated as its expiration month.
Will an Expired Debit Card Still Work?
I believe there are many individuals that have at once tried to make use of their expired debit cards knowingly or unknowingly and am sure you are familiar with the disappointing feeling that comes with having you card denied. This is due to the fact that you cannot use an expired debit card to make any transaction.
Also if you have any automated payments set up with your expired debit card, you will most likely receive an email notification telling yout that you card has been refused.
It is necessary you keep in you mind that an expired debit card will not work anywhere so it is left on to you to make sure that you order a replacement card before the card finally expires so that your transactions will not end up being suspended.
Can I Withdraw Money With an Expired Debit Card?
No, you cannot withdraw money with an expired debit card. As soon as your debit card has expired, you will have to get a new one if you want to withdraw your money. This actually stands as a key security measure.
From my past experience, I once tried to withdraw money with an expired debit card from UBA bank. My debit card was expired on ending November 2022, but I decided to withdraw money with the expired card on early December but I could not do any transaction with the expired card.
Can an expired debit card be charged?
No, an expired debit card cannot be charged. If you take an expired debit card to the grocery store, you will not be able to buy anything. Also, have in mind that even if you have an automatic payment setup with the card, it will not work once the card expires.
What to DO When Your Debit Card Expires?
Once your debit card comes to expiration and your bank does not immediately issue a new one, you will have to request one. It is also necessary that you check your address or mail so as to make sure that your debit card do not end up in the wrong destination.
Any of the online service that you use to change your debit card will also notify you. Upcoming transactions and renewals will be rejected if the old debit card information is not up to date.
With an expired debit card, never attempt to make a withdrawal. The bank may charge you for fraud on your account. Your account may occasionally get overdrawn, in which case you will be charged a high cost. Additionally, if you regularly return a card that has expired, your bank account may be restricted.
Below is what to do when your debit card expires:
- Get a new debit card.
- Activate the new debit card.
- Get rid of the old debit card.
- Update your payment settings.
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Can You Transfer Money From an Expired Debit card?
As the name implies, an expired debit card is considered as unusable and as a result of this, you cannot transfer money from it directly especially from an ATM.
Nevertheless, you can still transfer money from an expired debit card by using the bank linked to it to send the funds to another account. You can do this without hassle if your bank has an online platform.
Once you have received a new debit card, you can transfer money from debit card to bank account with ease and resume any other transaction with your new debit card.
How to Get Money Off an Expired Debit Card
When your debit card just expires without you realizing it, getting cash back from an outdated card might be quite helpful. Many users experience this every year. The best part is that your money is still there and is still accessible in your bank account (if the debit card was linked to an active bank account).
If you are in this situation, below are the 3 ways that can help you get money off an expired debit card.
1. Visit a Nearby Bank Branch to Withdraw the Money
Here is one of the best ways that can help you get your funds off an expired debit card. Going to one of the closest bank branches and then requesting for a withdrawal once in the bank. This will not be any problem to you provided you have the information required by the bank to make a withdrawal. You can be asked to show your identity documents and card PIN to show that you are he one that truly owns the account.
2. Transfer the Money to Another Account
Transferring money from a bank account to another is a good trick to get money off an expired debit card since debit card are linked to your bank account as funding source. Unlike a credit card or prepaid card, a traditional debit card cannot work without a bank account.
All you have to do to obtain funds from a debit card that has expired is to request physical cash from the beneficiary after transferring the funds located in your account to another bank account. If you live with a friend or relative who has a bank account, this ought to be significantly simpler. This is an amazing way of transferring money from debit card to another debit card.
3. Request a New/ Replacement PIN
Another way that you can use to get money off your expired debit card is by requesting a replacement card for your expired debit card. As soon as your new card will be delivered to you, you will have to activate it before making use of it.
Once you activate the card, your funds will be immediately accessible for withdrawal because the card is already connected to your bank account. After that, you can easily withdraw cash from the debit card by going to an ATM.
If you request a new card while your current debit card is still active, the old card will be deactivated upon activation of the new card, leaving you with no choice but to discard it.
This method is dependable for getting money off a an expired debit card that has run out of funds, though it may take longer than the others.
Why DO Debit Cards Expire?
Debit cards expired after some years according to the type of debit card that you have. Like for instance, in some countries, Visa debit cards take 2 years to expire while Master debit cards take 4 years to expire. Once a debit card expires, it must be renewed for further use.
The expiration date is also another item a customer must produce so as to show they are the card's owner as it is not sufficient for a consumer to know the card number. As the owner of the debit card, you also have to know the card's name, CVV and expiration date since they are the 3 main aspects that contribute to the security of your card.
When you renew you card every years, the card provider is able to offer you with a more secure and up to date card according to the level of technology.
Final Thoughts: How to Get Money Off an Expired Debit Card
Incase you got money in your expired debit card but you need the money at all course then having the knowledge on on how to get money off an expired debit card will be of great importance to you.
In simple terms, a debit card is that card which is linked to a bank account and it allows you to use your funds available in your bank account with ease. Debit card are also referred to as ATM cards due to the fact that they can be used at ATM points to withdraw cash from your account.
You may return your old debit card to the bank or destroy it when you receive a new one. Do not give your old debit card to anyone.
This article compiles of the various ways that allows you to get money off an expired debit card so hope you it was helpful to you.
Frequently Asked Questions
Can you still use an expired debit card online?
You cannot use an expired debit card online, the card number, expiry date, and CVV become invalid. If you attempt any online or web transaction from an expired debit card, it will be declined.
Can I still transfer money if my card is expired?
You can still transfer money from your bank account to another account if your debit card is expired. You only need to supply your correct account PIN. This is possible because the debit card does not contain your money, it is only a key for web transactions in your account.