In the UK, a debit card is stolen and the card's owner cancels the card. The thief tries to use the card for a contactless payment, but it is declined.

  1. Would the bank have a record of this?

  2. Would they know “a payment for X pound at time Y in store Z was declined”?

  3. And would they tell the card owner?

I am just curious. This question is motivated by a situation shown on TV.

  • 1
    They probably wouldn't tell the card owner. They would tell the police, if they asked (which they probably wouldn't unless it was connected to Big Crimes somehow)
    – AakashM
    Commented Sep 28, 2021 at 8:30
  • 1
    I'd assume that banks have a record of literally everything. Commented Oct 11, 2021 at 16:36

1 Answer 1


If the card reader was on line at the time of the transaction, then the bank would be the ones declining the payment, so they would know.

Off-line card readers wouldn't know to decline the transaction at all.

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