ATR problem ? The financial institution is unavailable to approve the transaction at this time

[MrAlex]

I have a problem cashing out with clones.
I follow this method. Initialize, delete and format the jcop card. Set ATR. Set IST files with X2 and tried Isttool too. Finally ARQC.
Each time when i use it to the ATM i enter the PIN and see balance. I choose the amount for withdrawal. I can read processing withdrawal. Just after it says decline.
On the ATM ticket i can read "The financial institution is unavailable to approve the transaction at this time"
If the financial institution can't be reached could it be because i used the wrong ATR ?