Losing your ATM card can be stressful, but the good news is you don’t need to visit a bank branch to block or track it. Most banks now offer easy digital solutions to protect your funds and request a replacement. Here’s how to act quickly and safely:
1. Use Your Bank’s Mobile App
Most banks allow you to block your ATM card instantly via their official mobile app.
Steps:
- Log in to your bank’s app.
- Go to “Cards” or “Card Services.”
- Select your lost ATM card.
- Tap “Block,” “Deactivate,” or “Hotlist.”
- Some apps also allow you to order a replacement card.
Bonus: Some banks let you temporarily block the card if you’re unsure whether it’s lost or just misplaced.
2. Dial Your Bank’s USSD Code
No smartphone? No problem. You can block your card using USSD codes from any mobile phone.
Steps:
- Dial your bank’s USSD code (e.g., *894# for First Bank, *966# for Zenith Bank, *737# for GTBank).
- Select “Card Services” or “Block Card.”
- Follow the prompts to confirm.
3. Call Customer Service
If you can’t access mobile services, call your bank’s 24/7 customer care hotline.
Be ready to provide:
- Your account number
- Full name
- Last known transactions
- Answers to security questions
Ask the representative to block the card immediately and provide information about your options for getting a new one.
4. Use Internet Banking
For those with online banking:
- Log in via your bank’s official website.
- Navigate to Card Management.
- Select the lost card and block or deactivate it.
Can You Track a Lost ATM Card?
No, ATM cards do not have GPS tracking. However, if your card has been used fraudulently, the bank can trace the transaction locations and assist in investigations.
Final Tip:
Once your card is blocked, monitor your account closely for unauthorized activity and request a replacement card. Also, enable transaction alerts to stay informed in real time.
Stay Safe. Stay Smart.
Always act fast when you lose your ATM card and remember your security is just a tap or dial away.