Exceeds Withdrawal Limit
The transaction amount exceeds the cardholder's daily spending limit, per-transaction limit, or periodic withdrawal limit set by the issuing bank.
Why does code 61 occur?
- Daily spending limit reached for this card
- Single-transaction amount exceeds the per-transaction cap
- Cumulative daily ATM withdrawal limit hit
- Issuer-imposed limit for online or international transactions
Can this transaction be retried?
Yes, code 61 is a soft, retryable decline. You can retry the transaction after a delay of 24-48 hours. Card networks typically allow up to 15 retries (Visa) or 10 retries (Mastercard) per billing cycle for soft declines. Use exponential backoff to space out retries.
What merchants should do
Ask the customer to try a smaller amount or split the payment. Alternatively, they can contact their bank to temporarily raise their limit. Retry is appropriate after the limit resets (typically the next day).
What cardholders should do
Try a smaller amount. If you need to make this purchase, contact your bank to request a temporary or permanent increase to your transaction limit.
Code 61 at a glance
Response Code
61
Name
Exceeds Withdrawal Limit
Category
soft decline
Retryable
Yes — after delay
Related Decline Codes
Invalid Amount
The transaction amount is invalid — it may be zero, negative, exceed per-transaction limits, or contain formatting errors in the authorization message.
Insufficient Funds
The cardholder's account does not have enough available balance to cover the transaction amount. This is one of the most frequent decline reasons, accounting for a significant share of all soft declines.
Activity Count Limit Exceeded
The cardholder has exceeded the maximum number of transactions allowed within a specific time period (velocity limit). This is a fraud prevention measure.
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Find a SWIFT codeDecline Code 61 FAQ
Frequently asked questions about decline code 61: Exceeds Withdrawal Limit.