How to Unblock an ATM Card: A Step-by-Step Guide

We have all experienced the inconvenience of a blocked ATM card, which can prevent us from accessing our hard-earned money. It can happen due to a variety of reasons such as entering the wrong PIN multiple times, expiration, theft, or loss of the card. However, the good news is that unblocking your ATM card is simple. 

In this guide, we will discuss the various methods and steps to unblock your ATM card quickly and easily. So, let’s get started and regain access to our funds!

Reasons for Blocking an ATM Card

Before we dive into the steps to unblock an ATM card, it is essential to understand the reasons why your card might get blocked:

• Incorrect PIN: Entering the wrong PIN multiple times can lead to your card being blocked.
• Expiration: ATM cards have an expiration date, and once it passes, the card becomes inactive.
• Theft or Loss: If your card is stolen or lost, it is blocked to prevent unauthorized transactions.
• Security Issues: Banks may block your card for security reasons to prevent data breaches.

Ways to Unblock an ATM card

If your ATM card gets blocked or suspended, you may not be able to access your funds, which can be a frustrating experience. Here are some ways to unblock an ATM card:

How to Unblock an ATM Card Through Bank?

1. Visit the Bank: Visit the nearest branch of your bank where you have an account.
2. Inquire About the Block: Inquire about the reason for the block and request the bank officials to unblock your ATM card.
3. Provide Identification: Provide identification documents such as ID and address proof to verify your identity.
4. Resolve the Issue: Resolve any issues related to the block, such as incorrect PIN or expired card.
5. Receive Confirmation: Receive a confirmation that your ATM card has been successfully unblocked.

How to Unblock an ATM Card Through SMS?

1. Find the SMS Number: Find the SMS number provided by your bank for unblocking ATM cards.
2. Send the SMS: Send an SMS to the number with the required information, such as your account number and card number.
3. Wait for Confirmation: Wait for a confirmation SMS from the bank that your ATM card has been unblocked.

It should be noted that this condition might not apply to cards that have been permanently deactivated for reasons other than expiration.

How to Unblock an ATM Card via Call?

1. Contact your bank’s customer service center via phone.
2. Follow the instructions provided by the automated voice system or speak to a representative.
3. Provide the necessary information to confirm your identity, such as your account number, card number, and personal details.
4. Inquire about the reason for the block and request unblocking of your ATM card.
5. The representative may ask you to provide additional information or visit the nearest branch to complete the unblocking process.
6. Once your identity is confirmed and the block is lifted, you should be able to use your ATM card for transactions.

How to Unblock an ATM Card Automatically?

Here are the situations in which your ATM cards can be automatically activated or unblocked:

1. If you enter the incorrect PIN three times, your card will be temporarily blocked for 24 hours. After this time, it will be automatically active and usable again.
2. Banks may block your ATM card for security reasons to prevent data breaches. Once they have completed all the necessary security checks, they may automatically unblock your card.

How to Unblock an ATM Card Online?

1. Log in to your online banking account using your credentials.
2. Navigate to the card section and follow the instructions to unblock your ATM card.
3. Provide necessary information to confirm your identity and resolve any issues related to the block.
4. Wait for confirmation that your ATM card has been successfully unblocked.

How to Avoid Blocking the ATM Card?

To avoid the blocking of your ATM card, follow these steps:

1. Remember your PIN and keep it safe.
2. Do not share your card or PIN with anyone, including family or friends.
3. Notify the bank immediately if you suspect any fraudulent activity on your account or card.
4. Keep your contact details, such as phone number and email, updated with the bank.
5. Inform the bank if you plan to travel out of your city or country, so they don’t mistake your transactions for fraudulent ones.
6. Use your card regularly for small transactions to keep it active.
7. Ensure that your card is not damaged or expired.
8. Keep track of your account balance to avoid exceeding your limit.
9. Use secure and trusted websites for online transactions and avoid using public Wi-Fi networks.
10. Check your transaction history regularly for any unauthorized transactions.

There are several methods to unblock an ATM card. However, if your card is temporarily blocked, you can raise a ticket to unblock it. On the other hand, expired or permanently deactivated cards cannot be unblocked, and the only solution is to replace them with a new one. While you can activate a card via call or SMS, this may not always be possible. In some cases, you may have to visit the bank branch where your account is held and apply to unblock the ATM card. This is usually necessary when there are concerns about fraudulent activity, suspicious transactions, or uncommon purchases. Additionally, you may be required to submit a valid ID proof and a form to complete the process.