E-transfer failed or not going through

The most common reason for an e-transfer to fail is simply due to the fact that your security question contained an invalid character or too much character. However, the reasoning may not be identical for all failed transfers as you'll see below. 

Invalid character

This is the most common reason why a transfer can fail. This is because the e-transfer system can only process normal characters. Any special characters will not be accepted. For example;

1. Incorrect version: What's the name of my favourite movie?
   
1. The apostrophe will induce a glitch in the system, causing the transaction to be declined
   
2. The question mark is also considered a special character which will cause it to be declined
2. Correct version: What is the name of my favourite movie
   
1. There are no apostrophe or question mark on this question, allowing the system to process it. 
   

We understand that this is not a pleasant experience but it is a limitation that our support team and you will have to work with. 

Too many characters

You will only be allocated a maximum of 40 character limit. Anything that goes above this limit will result in the transaction being rejected. 

Bear in mind that certain issuer i.e. the original company/organization that provided you the card, sets the security question for your behalf to automate/speed up the transfer process. Please confirm with them if any of the above applies to your case.

They may deny that this is the case as they have no way of knowing that this is the reason. If in doubt, feel free to reach out to us for clarification

Declined by receiving Bank

This can happen when your bank does not support the mode of transfer that you're attempting, which can happen if you're using VISA Direct as your method of transfer. Though this method of transfer is usually instantaneous, it is only supported by a select number of banking institutions. To check if your card/bank supports this method of transfer, simply find the VISA Direct logo (shown below) stamped on the back of the card. If it's not on the card, then it is likely that your bank does not support this method of e-transfer. 



We recommend that you reach out to your bank for more clarification on this matter. 

None of the above

Sometimes a transfer simply fails. Maybe due to a system error, maybe because it was rejected by the payment system or the bank. If you're unsure and require any clarification or assistance, please contact the number on the back of the card (for physical cardholders) or submit a ticket here. We'll be more than happy to help.

• Related Articles

• I’m not receiving my etransfer

  For Transfers sent via Interac Double check if you received any email asking you to approve the transfer. It may have landed in your spam/junk folder by mistake. If you do not see any email asking you to do so, keep an eye out for the follow up email ...

• How do I transfer funds out of my card?

  Transfer to a Bank Account If you wish to move your funds from your card, navigate to the transfers tab, where you'll find two options: VISA Direct and Interac transfer. Please note, if you plan to use VISA Direct, ensure that the bank or card you're ...

• How do I transfer funds using the app?

  You can send and receive money using the H&R Block Advantage Card app. Refer below for the steps. Send Money To a Bank Account Tap Move Money Select e-Transfer® Enter the amount that you wish to send Select the recipient The recipient will need to ...

• What are the features of the online card portal?

  The online card portal is the gateway from which you can manage your account. Below are the tabs available to you and the features they provide you with. Dashboard This is your account's overview. On this page you can: View your balance View the ...

• How do I activate my H&R Block Advantage Card?

  To activate your H&R Block Advantage card, please go to hrblockadvantagecard.payaccount.io. Before proceeding, make sure that you have your card handy as you will need to have the following information in order to activate your card: 16-digit card ...