My Microsoft Account wont let me add a new debit card

For a personal Microsoft account, try these steps:

1. Go to Payment options and select Add a new payment method.
2. Re-enter the card details exactly as issued.
3. If the card is rejected, try the postal code with and without spaces.
4. Verify the Microsoft account country or region matches the card’s country. If adding a payment method for another country, first change Your info > Edit profile info, then add the card again.
5. Check with the bank or payment provider that the transaction is not being blocked and that the card has sufficient funds.
6. If using PayPal instead, it must have a credit card or confirmed bank account as its funding source.
7. If the card is for a Microsoft subscription, add the new payment method on the Services & subscriptions page.

Important:

• Not all payment methods are supported in all regions.
• Some banks require identity verification before the transaction will go through.
• If the issue continues, use Contact Microsoft Support from the support page.

References:

• Add a new bank or credit card to your Microsoft account | Microsoft Support
• Troubleshoot payment option issues | Microsoft Support
• Update a Microsoft account payment method | Microsoft Support