What to Do When Your ATM Card Is Lost or Stolen?

byRahul TadiparthiLast Updated: March 15, 2024
What to Do When Your ATM Card Is Lost or Stolen?

Owing to their convenience and accessibility to finances, ATM cards have become an essential part of our daily lives. These cards provide us with the ability to withdraw cash, check account balances, transfer funds, make payments, and even shop online. The widespread presence of ATMs across the country ensures that we can access our money at any time, making it easier to manage our finances and meet our financial needs. With the increasing popularity of digital banking, ATM cards have also become crucial for online transactions, providing a secure and convenient way to make payments and purchases. In a cash-driven society like India, ATM cards have revolutionized the way we handle our money, offering convenience, flexibility, and peace of mind.

How to Block Your Stolen ATM Card?

When you discover that your ATM card is lost or stolen, it’s essential not to panic.  First and foremost, you need to contact your bank immediately to block your ATM card.  It’s important to have your account number, card details, and personal identification information ready to provide for verification purposes.

Losing your ATM card can be a stressful and worrisome experience, but it’s important to remain calm and take immediate action to protect your finances and personal information. In this blog, we will guide you through the necessary steps you should take when faced with a lost or stolen ATM card, including how to submit the application for a lost ATM card, prevent unauthorized transactions, and obtain a replacement card. So, if you’ve found yourself in this unfortunate situation, keep reading to ensure you handle it swiftly and effectively.

There are several ways available to block your stolen ATM card: 

  1. Net banking or mobile banking app: You can conveniently block your ATM card through your bank’s mobile app or website portal. By logging in to your account, accessing the card management section, and following the provided prompts, you can quickly block your card to prevent unauthorised use. This method offers a straightforward way to secure your finances in case your ATM card is lost or stolen.
  1. SMS: Most banks offer a simple SMS service to instantly block your card. Compose a message in the format specified by your bank and send it to the designated number they provide. You will receive a confirmation message once your card is blocked.
  1. Phone banking: If you prefer a more personal approach, call your bank’s customer care. They will guide you through the process of securely blocking your card. Be prepared to answer some security questions to verify your identity.
  1. Visit the nearest branch: Alternatively, you can visit the nearest branch of your bank if you prefer the offline process. Once you reach there, inform the bank staff about your stolen card, and they will guide you through the necessary steps to block it. Don’t forget to carry your identification documents, such as your Aadhar card or passport, to confirm your identity.

Registering an FIR (First Information Report):

In addition to blocking your card, it’s advisable to take another essential step – filing an FIR with your local police station. This legal measure ensures you won’t be held responsible for any misuse of your card and provides an extra layer of protection. 

Here’s what you should do to register an FIR for your lost ATM card:

  • Head to the nearest police station to report the theft of your ATM card. During your visit, provide all the necessary details, including when, and where the card was stolen, if known.
  • After you’ve filed the FIR, don’t forget to ask for a copy of it for your records. The FIR serves as legal proof of the theft and can be valuable if any disputes arise regarding unauthorised transactions.

Monitoring Your Bank Transactions

Regularly go through your bank statements, whether they’re in paper format or available online through internet banking. Be on the lookout for any transactions or charges that you didn’t authorise. Activate the feature, if you have not done it already, of receiving alerts for every transaction made with your card to get real-time notifications, which can help you detect any suspicious activity right away.

Before applying for a duplicate ATM card, make sure to block the lost ATM card to prevent misuse and safeguard your account balance. 

Application for a Lost ATM Card

Once you’ve successfully blocked your lost or stolen ATM card, the next crucial step is to apply for a duplicate ATM card. The bank may generally take up to 7-14 days to get it delivered to you. 

Here are multiple ways to proceed with the application for lost ATM card:

  • Net banking or mobile banking app: One of the most convenient ways to apply for a duplicate ATM card is by using your bank’s online services.
  • When you log in to your bank’s net banking portal or use their mobile banking app, look for the card management or services section.
  • From there, you can find the option to request a reissue or duplicate ATM card. Just select it and follow the on-screen prompts, providing the necessary information as requested.
  • Phone banking: Simply call your bank’s customer care service using the provided contact number. A customer care representative will be there to assist you in filing your reissue card application. 
  • Visit the nearest branch: Head to your bank’s nearest branch and write an application requesting a reissue of your ATM card. The bank staff will guide you through the process, and you may be asked to provide identification documents to verify your identity. Once your request is processed, your new card will be issued and sent to your registered postal address.

Keep in mind that while applying for a duplicate ATM card, your bank may charge a fee for issuing the new card. It’s a good idea to check with your bank about any associated charges or fees before proceeding with your application.


By following the steps outlined in this guide, you can minimise the risk of unauthorised access to your bank account and protect your hard-earned funds. Remember, taking swift action and staying alert are your best allies when it comes to protecting your finances. So, stay vigilant, act promptly, and keep your finances safe. Your bank will assist you every step of the way, ensuring that you regain access to your funds without unnecessary hassles.

Q: Can I apply for a duplicate ATM card online?
A: Yes, you can easily initiate the application for a lost ATM card online through your bank’s internet banking website or its mobile app.
Q: Can someone withdraw money from my account using my ATM card number?
A: Certainly. If someone gains access to your account number and has your lost ATM card, they may attempt to withdraw money from your account but would typically need authentication like your PIN to access your funds. However, it’s crucial to block the card and report the loss to your bank immediately to prevent unauthorized transactions.
Q: Is filing a police complaint mandatory in the event of a lost ATM card?
A: While it is not mandatory, it is crucial to block your lost/stolen ATM card immediately to prevent misuse.

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