diff --git a/lib/__tests__/throwIfNotOk.test.ts b/lib/__tests__/throwIfNotOk.test.ts
new file mode 100644
index 00000000..bde9b08a
--- /dev/null
+++ b/lib/__tests__/throwIfNotOk.test.ts
@@ -0,0 +1,58 @@
+/// <reference types="jest" />
+
+import { throwIfNotOk } from '@/lib/api';
+
+/**
+ * Regression guard for SOLID-W3: ensureWebhookSubscription (and all other
+ * fetch calls in lib/api.ts) previously threw the raw Response object when the
+ * server returned a non-2xx status. TanStack Mutation's onError passed it
+ * directly to Sentry.captureException, which serialised the Response keys
+ * (_bodyBlob, _bodyInit, ok, status…) as the exception title rather than a
+ * human-readable message.
+ *
+ * throwIfNotOk ensures every failed fetch produces a proper Error instance.
+ */
+describe('throwIfNotOk', () => {
+  const makeResponse = (status: number, statusText: string, ok: boolean): Response =>
+    ({
+      ok,
+      status,
+      statusText,
+      url: 'https://api.example.com/test',
+    }) as unknown as Response;
+
+  it('does nothing when the response is OK', () => {
+    const response = makeResponse(200, 'OK', true);
+    expect(() => throwIfNotOk(response)).not.toThrow();
+  });
+
+  it('throws an Error instance (not the Response object) on a non-OK response', () => {
+    const response = makeResponse(401, 'Unauthorized', false);
+    expect(() => throwIfNotOk(response)).toThrow(Error);
+  });
+
+  it('includes the HTTP status code in the error message', () => {
+    const response = makeResponse(401, 'Unauthorized', false);
+    expect(() => throwIfNotOk(response)).toThrow('401');
+  });
+
+  it('includes the status text in the error message', () => {
+    const response = makeResponse(503, 'Service Unavailable', false);
+    expect(() => throwIfNotOk(response)).toThrow('Service Unavailable');
+  });
+
+  it('includes the URL in the error message', () => {
+    const response = makeResponse(500, 'Internal Server Error', false);
+    expect(() => throwIfNotOk(response)).toThrow('https://api.example.com/test');
+  });
+
+  it('throws for 4xx responses', () => {
+    const response = makeResponse(403, 'Forbidden', false);
+    expect(() => throwIfNotOk(response)).toThrow(Error);
+  });
+
+  it('throws for 5xx responses', () => {
+    const response = makeResponse(500, 'Internal Server Error', false);
+    expect(() => throwIfNotOk(response)).toThrow(Error);
+  });
+});
diff --git a/lib/api.ts b/lib/api.ts
index 32ac3257..6430f374 100644
--- a/lib/api.ts
+++ b/lib/api.ts
@@ -165,6 +165,14 @@ import { generateClientNonceData } from './utils/cardDetailsReveal';
 import { decryptSecret, generateSessionId } from './utils/rainCardSecrets';
 import { revealWirexCardWithSession } from './utils/wirexCardReveal';
 
+// Throws a proper Error when a fetch response is not OK, so callers always
+// receive an Error instance rather than a raw Response object.
+export function throwIfNotOk(response: Response): void {
+  if (!response.ok) {
+    throw new Error(`HTTP ${response.status}: ${response.statusText} (${response.url})`);
+  }
+}
+
 // Helper function to get platform-specific headers
 export const getPlatformHeaders = () => {
   const headers: Record<string, string> = {};
@@ -290,7 +298,7 @@ export const refreshToken = async () => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response;
 };
@@ -317,7 +325,7 @@ export const signUp = async (
     credentials: 'include',
     body: JSON.stringify(body),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -336,7 +344,7 @@ export const updateSafeAddress = async (safeAddress: string) => {
       body: JSON.stringify({ safeAddress }),
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -355,7 +363,7 @@ export const addReferrer = async (referralCode: string) => {
       body: JSON.stringify({ referralCode }),
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -374,7 +382,7 @@ export const updateUserCredentialId = async (credentialId: string) => {
       body: JSON.stringify({ credentialId }),
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -389,7 +397,7 @@ export const logout = async () => {
     },
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -408,7 +416,7 @@ export const updateExternalWalletAddress = async (externalWalletAddress: string)
       body: JSON.stringify({ externalWalletAddress }),
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -544,7 +552,7 @@ export const createKycLink = async (
     body: JSON.stringify(body),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -563,7 +571,7 @@ export const getKycLink = async (kycLinkId: string): Promise<KycLink> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -584,7 +592,7 @@ export const getKycLinkFromBridge = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -606,7 +614,7 @@ export const submitPersonaKyc = async (
     body: JSON.stringify({ personaInquiryId }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -635,7 +643,7 @@ export const personaSimulateAction = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -686,7 +694,7 @@ export const submitRainKyc = async (formData: FormData): Promise<RainKycSubmitRe
     body: formData,
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -851,7 +859,7 @@ export const getDiditVerificationStatus = async (): Promise<DiditVerificationSta
       ...(jwt ? { Authorization: `Bearer ${jwt}` } : {}),
     },
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -923,7 +931,7 @@ export const getSumsubVerificationStatus = async (): Promise<SumsubVerificationS
       ...(jwt ? { Authorization: `Bearer ${jwt}` } : {}),
     },
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -962,7 +970,7 @@ export const getProviderRouting = async (
       },
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -980,7 +988,7 @@ export const getCustomer = async (): Promise<BridgeCustomerResponse | null> => {
 
   if (response.status === 404) return null;
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1002,7 +1010,7 @@ export const getCustomerFromBridge = async (): Promise<CustomerFromBridgeRespons
 
   if (response.status === 404) return null;
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1029,7 +1037,7 @@ export const getKycLinkForExistingCustomer = async (params: {
   });
 
   if (response.status === 404) return null;
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1050,7 +1058,7 @@ export const getCustomerEndorsements = async (): Promise<BridgeCustomerEndorseme
 
   if (response.status === 404) return null;
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1106,7 +1114,7 @@ export const orderPhysicalCard = async (options?: {
     body: JSON.stringify(options ?? {}),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1129,7 +1137,7 @@ export const getPhysicalCardStatus = async (): Promise<{
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1151,7 +1159,7 @@ export const cancelPhysicalCard = async (cardId: string): Promise<{ message: str
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1180,7 +1188,7 @@ export const getPhysicalCardShippingData = async (): Promise<{
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1198,7 +1206,7 @@ export const getCardStatus = async (): Promise<CardStatusResponse | null> => {
 
   if (response.status === 404) return null;
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1219,7 +1227,7 @@ export const getCardDetails = async (): Promise<CardDetailsResponseDto | null> =
   // Response that appears as a raw LogBox error in development.
   if (response.status === 404) return null;
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1236,7 +1244,7 @@ export const getCardBalance = async (): Promise<CardBalanceResponseDto> => {
     },
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1268,7 +1276,7 @@ export const getCardContracts = async (): Promise<RainContractResponseDto[]> =>
     },
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1298,7 +1306,7 @@ export const getCardCollateralAvailable = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1319,7 +1327,7 @@ export const getOnrampAutomation = async (): Promise<OnrampAutomationResponseDto
   });
 
   if (response.status === 404) return null;
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1345,7 +1353,7 @@ export const createOnrampAutomation = async (
     body: JSON.stringify({ rail }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1378,7 +1386,7 @@ export const getWirexBankOverview = async (): Promise<WirexBankOverviewDto> => {
     headers: wirexBankHeaders(),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1399,7 +1407,7 @@ export const activateWirexBankAccount = async (
     body: JSON.stringify({ accountType }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1413,7 +1421,7 @@ export const initWirexWalletLink = async (): Promise<WirexWalletLinkChallengeDto
     body: JSON.stringify({}),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1434,7 +1442,7 @@ export const completeWirexWalletLink = async (
     body: JSON.stringify({ signedChallenge }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1456,7 +1464,7 @@ export const estimateWirexBankTransfer = async (
     body: JSON.stringify(request),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1472,7 +1480,7 @@ export const createWirexBankTransfer = async (
     body: JSON.stringify(request),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1485,7 +1493,7 @@ export const getWirexBankTransfers = async (limit?: number): Promise<WirexBankTr
     headers: wirexBankHeaders(),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1644,7 +1652,7 @@ export const getWalletEligibility = async (): Promise<WalletEligibilityResponse>
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1664,7 +1672,7 @@ export const getMppCredentials = async (): Promise<MppCredentialsResponse> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1687,7 +1695,7 @@ export const getWebProvisioningToken = async (): Promise<WebProvisioningTokenRes
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1705,7 +1713,7 @@ export const getExtensionCards = async (bearerToken: string): Promise<ExtensionC
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1730,7 +1738,7 @@ export const createProvisioningSession = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1752,7 +1760,7 @@ export const addToCardWaitlist = async (
     body: JSON.stringify({ email, countryCode }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1770,7 +1778,7 @@ export const checkCardAccess = async (countryCode: string): Promise<CardAccessRe
     },
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1788,7 +1796,7 @@ export const checkVaAccess = async (countryCode: string): Promise<CardAccessResp
     },
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1804,7 +1812,7 @@ export const checkCardWaitlistStatus = async (email: string): Promise<CardWaitli
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -1860,7 +1868,7 @@ export const getSubOrgIdByUsername = async (username: string) => {
       filterValue: username,
     }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1880,7 +1888,7 @@ export const fetchPoints = async (): Promise<Points> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1900,7 +1908,7 @@ export const fetchReferralSummary = async (): Promise<ReferralSummary> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1927,7 +1935,7 @@ export const fetchLeaderboardUsers = async (params: {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1946,7 +1954,7 @@ export const fetchRewardsUserData = async (): Promise<RewardsUserData> => {
     },
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1961,7 +1969,7 @@ export const optInToRewards = async (): Promise<RewardsUserData> => {
     },
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -1990,7 +1998,7 @@ export const activateTierTrial = async (): Promise<RewardsUserData> => {
       credentials: 'include',
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2010,7 +2018,7 @@ export const fetchTierBenefits = async (): Promise<TierBenefits[]> => {
       credentials: 'include',
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2033,7 +2041,7 @@ export const fetchProductFeeRates = async (): Promise<ProductFeeRates> => {
     },
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2053,7 +2061,7 @@ export const fetchProductFeeQuote = async (
     credentials: 'include',
     body: JSON.stringify({ product, baseAmountUsd }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2078,7 +2086,7 @@ export const recordSwapFee = async (
     credentials: 'include',
     body: JSON.stringify(params),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2105,7 +2113,7 @@ export const recordStocksFee = async (
       body: JSON.stringify(params),
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2118,7 +2126,7 @@ export const fetchRewardsConfig = async (): Promise<FullRewardsConfig> => {
     },
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -2165,7 +2173,7 @@ export const createMercuryoTransaction = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   const data: { widgetUrl: string } = await response.json();
   return data.widgetUrl;
@@ -2204,7 +2212,7 @@ export const fetchOnramperSession = async (): Promise<OnramperSession> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   const data = await response.json();
 
@@ -2227,7 +2235,7 @@ export const bridgeDeposit = async (
     body: JSON.stringify(bridge),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2248,7 +2256,7 @@ export const bridgeDepositTransactions = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2303,7 +2311,7 @@ export const createBridgeTransfer = async (params: {
     body: JSON.stringify(params),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2347,7 +2355,7 @@ export const createDeposit = async (deposit: Deposit): Promise<{ transactionHash
     body: JSON.stringify(deposit),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2366,7 +2374,7 @@ export const depositTransactions = async (safeAddress: string): Promise<DepositT
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2386,7 +2394,7 @@ export const deleteAccount = async (): Promise<{ success: boolean; message?: str
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2408,7 +2416,7 @@ export const getExchangeRate = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2466,7 +2474,7 @@ export const bridgeTransaction = async (bridge: BridgeTransactionRequest): Promi
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response;
 };
@@ -2485,7 +2493,7 @@ export const getBankTransfers = async (): Promise<BridgeApiTransfer[]> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2503,7 +2511,7 @@ export const freezeCard = async (): Promise<{ message: string }> => {
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2521,7 +2529,7 @@ export const unfreezeCard = async (): Promise<{ message: string }> => {
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2540,7 +2548,7 @@ export const withdrawFromCard = async (body: CardWithdrawal): Promise<CardWithdr
     body: JSON.stringify(body),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2565,7 +2573,7 @@ export const withdrawCardToSafeAddress = async (body: {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2594,7 +2602,7 @@ export const getCardWithdrawals = async (params?: {
     },
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2618,7 +2626,7 @@ export const withdrawFromCardToSavings = async (body: {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2642,7 +2650,7 @@ export const withdrawCardCollateral = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2665,7 +2673,7 @@ export const getCardTransactions = async (
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2681,7 +2689,7 @@ export const getCashbacks = async (): Promise<Cashback[]> => {
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2711,7 +2719,7 @@ export const getCardTransaction = async (
   // retrying, and the detail screen falls back to exactly that.
   if (response.status === 404) return null;
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2895,7 +2903,7 @@ export const setupTotp = async (): Promise<{
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2920,7 +2928,7 @@ export const verifyTotp = async (
     body: JSON.stringify({ code, context }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2941,7 +2949,7 @@ export const getTotpStatus = async (): Promise<{ verified: boolean }> => {
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2962,7 +2970,7 @@ export const createActivityEvent = async (
     body: JSON.stringify(event),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -2984,7 +2992,7 @@ export const fetchActivityEvents = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3009,7 +3017,7 @@ export const updateActivityEvent = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3030,7 +3038,7 @@ export const bulkUpsertActivityEvent = async (
     body: JSON.stringify(events),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3075,7 +3083,7 @@ export const syncActivities = async (
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3106,7 +3114,7 @@ export const requestCardSecrets = async (
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3130,7 +3138,7 @@ export const updateCardPin = async (
     body: JSON.stringify({ encryptedPin }),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   const text = await response.text();
   return text ? JSON.parse(text) : {};
@@ -3149,7 +3157,7 @@ export const getCardPin = async (sessionIdBase64: string): Promise<CardPinRespon
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3177,7 +3185,7 @@ export const requestEphemeralKey = async (nonce: string): Promise<EphemeralKeyRe
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3201,7 +3209,7 @@ export const revealCardDetails = async (
     },
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3248,7 +3256,7 @@ export const getWirexThreeDsRequests = async (): Promise<WirexThreeDsRequestsRes
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3283,7 +3291,7 @@ export const approveWirexThreeDsRequest = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3312,7 +3320,7 @@ export const declineWirexThreeDsRequest = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3337,7 +3345,7 @@ export const getWirexRevealSession = async (): Promise<WirexRevealSessionRespons
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3412,7 +3420,7 @@ export const getWirexCardRegistration = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3438,7 +3446,7 @@ export const getCardSpendModeAccess = async (): Promise<CardSpendModeAccessRespo
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3473,7 +3481,7 @@ export const confirmWirexCardRegistration = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3494,7 +3502,7 @@ export const fetchLatestWhatsNew = async (): Promise<WhatsNew | null> => {
   });
 
   if (response.status === 404 || response.status === 204) return null;
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   const text = await response.text();
   if (!text) return null;
@@ -3519,7 +3527,7 @@ export const fetchPromotionsBanner = async (): Promise<PromotionsBannerResponse>
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3538,7 +3546,7 @@ export const fetchActivityEvent = async (clientTxId: string): Promise<ActivityEv
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3579,7 +3587,7 @@ export const createDirectDepositSession = async (
     DIRECT_DEPOSIT_SESSION_TIMEOUT_MS,
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3609,7 +3617,7 @@ export const getDetectedDirectDeposit = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3630,7 +3638,7 @@ export const getDirectDepositSession = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3652,7 +3660,7 @@ export const deleteDirectDepositSession = async (
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3821,7 +3829,7 @@ const postAgentJson = async <T>(path: string, body?: unknown): Promise<T> => {
     credentials: 'include',
     body: body === undefined ? undefined : JSON.stringify(body),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -3846,7 +3854,7 @@ export const fetchAgent = async (): Promise<AgentSummary> => {
     headers: agentJsonHeaders(),
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -3864,7 +3872,7 @@ export const fetchAgentHasDeposited = async (): Promise<boolean> => {
     },
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   const json = (await response.json()) as { totalDocs?: number; docs?: unknown[] };
   return (json.totalDocs ?? json.docs?.length ?? 0) > 0;
 };
@@ -3875,7 +3883,7 @@ export const fetchAgentApiKeys = async (): Promise<AgentApiKeySummary[]> => {
     headers: agentJsonHeaders(),
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -3886,7 +3894,7 @@ export const generateAgentApiKey = async (name?: string): Promise<GenerateAgentA
     credentials: 'include',
     body: JSON.stringify({ name }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -3896,7 +3904,7 @@ export const revokeAgentApiKey = async (id: string): Promise<void> => {
     headers: agentJsonHeaders(),
     credentials: 'include',
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 };
 
 export const fetchAddressBook = async (): Promise<AddressBookResponse[]> => {
@@ -3911,7 +3919,7 @@ export const fetchAddressBook = async (): Promise<AddressBookResponse[]> => {
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -3928,7 +3936,7 @@ export const addToAddressBook = async (data: AddressBookRequest): Promise<Addres
     body: JSON.stringify(data),
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -3943,7 +3951,7 @@ export const getCardDepositBonusConfig = async (): Promise<CardDepositBonusConfi
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3959,7 +3967,7 @@ export const getLandingPageApy = async (): Promise<LandingPageApyConfig> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -3976,7 +3984,7 @@ export const getHoldingFundsPointsMultiplier =
       },
     );
 
-    if (!response.ok) throw response;
+    throwIfNotOk(response);
 
     return response.json();
   };
@@ -4011,7 +4019,7 @@ export const getWebhookStatus = async (): Promise<WebhookStatus> => {
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -4037,7 +4045,7 @@ export const ensureWebhookSubscription = async (): Promise<EnsureWebhookResponse
     },
   );
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };
@@ -4056,7 +4064,7 @@ export const registerPushToken = async (token: string, platform: string) => {
     credentials: 'include',
     body: JSON.stringify({ token, platform }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -4072,7 +4080,7 @@ export const removePushToken = async (token: string) => {
     credentials: 'include',
     body: JSON.stringify({ token }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -4088,7 +4096,7 @@ export const trackUserPlatform = async (platform: typeof Platform.OS) => {
     credentials: 'include',
     body: JSON.stringify({ platform }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 };
 
 /**
@@ -4116,7 +4124,7 @@ export const recordAppOpen = async (
       deviceId,
     }),
   });
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -4138,7 +4146,7 @@ export const markStoreReviewPrompted = async (
       body: JSON.stringify({ platform }),
     },
   );
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
   return response.json();
 };
 
@@ -4158,7 +4166,7 @@ export const fetchSavingsSummary = async (
     credentials: 'include',
   });
 
-  if (!response.ok) throw response;
+  throwIfNotOk(response);
 
   return response.json();
 };