What to do when you lose your bank card? 2 quick and safe steps

1. Is losing a bank ATM card dangerous?

Losing a bank ATM card can cause many serious risks if not handled promptly. Here are the specific dangers you may face:

• Risk of personal information disclosure: ATM cards contain a lot of important information such as card number, cardholder's full name and account information. When the card falls into the hands of a stranger, this information can be used to commit fraud or violate privacy.
• Risk of withdrawal: If thieves know the PIN, they can use the card to withdraw money at ATMs or make transactions without the cardholder's permission.
• Pay without a PIN code with chip-embedded cards: Some banks allow payment via chip-embedded ATM cards without requiring a PIN code for small value transactions. This creates an opportunity for thieves to use the card easily, causing financial loss to the cardholder.
• Risks in online transactions: In case the card is not locked, thieves can use card information to perform online transactions such as shopping or transferring money, causing money to be lost from the account.

Thus, the risks from losing an ATM card can cause serious financial and security damage, if not handled quickly and promptly.

2. 2 Steps to take immediately when your bank card is lost

Here are 2 steps you need to take immediately when you discover your bank ATM card is lost:

Step 1: Lock your bank ATM card when you lose it

When you lose your ATM card, locking it immediately is the first important step to protect your account from potential abuse. You can do this through a variety of methods:

• Contact the bank immediately: You need to immediately call the bank's switchboard to report the loss of your card and request to block the card. The bank will stop all transactions from the lost card. Be sure to call the correct bank hotline number to avoid being scammed.
• Use Mobile Banking/ Internet Banking: If you have registered for online banking service, you can lock your card directly on the bank's mobile application or website without calling.
• Lock the card through the transaction office: If you cannot block the card over the phone or online, you can go to the nearest bank transaction office and request to block the card. You need to bring identification documents such as ID card/CCCD to confirm information.

Bank SeABank provides completely free card blocking service, helps you protect your account quickly without incurring any additional costs. When you encounter a card loss problem, you just need to immediately contact the bank to notify and request to block the card. SeABank will assist you in blocking your card promptly, ensuring maximum safety for your account.

Step 2: Regenerate your bank ATM card when lost

After the ATM card is lost and locked, you need to follow the procedure to request the bank to reissue a new card so you can continue using the account. Here are some things to note when remaking cards:

• Done at the transaction office: You need to go to the bank's transaction office to request a card replacement. When arriving, please bring identification (ID card/CCCD or passport) to verify your identity. At the transaction office, bank staff will guide you in filling out the card re-issuance form and completing the necessary procedures.
• Card reissuance time: After completing the procedure, you will receive a new card within 7 to 14 working days, depending on the bank and branch (some banks can provide the card on the same day if there is a special service). The new card will have a completely different card number and PIN than the lost card, helping to secure your account.
• Card renewal fee: Most banks will charge a fee for reissuing an ATM card (usually about 50,000 - 100,000 VND, excluding VAT). This fee may vary depending on each bank's policy.
• Keep your card and PIN safe: When you get a new card, you need to be careful with your PIN and not share this information with others to protect your account from risk.

With the above steps, you can quickly handle the situation of losing your ATM card, protect your account and ensure personal information is not misused.

3. SeABank - Quick and safe support when losing your card 

SeABank is one of the reputable banks and trusted by consumers in Vietnam thanks to its service quality and timely support. If you unfortunately lose your ATM card, SeABank will help you handle it quickly and safely with simple steps, protecting your account from the risk of losing money.

• Lock your card immediately: When you discover your card is lost, you can immediately contact SeABank via hotline 1900 555 587 or use electronic banking services (Mobile Banking and Internet Banking) to block the card. The card blocking process will immediately stop all illegal transactions, helping to protect your account from risks.
• Reissue card quickly: SeABank is committed to helping you renew your ATM card in the shortest possible time, allowing you to continue using your account without interruption. The card renewal process at SeABank branches is very simple and convenient, helping you quickly receive a new card and continue making safe transactions.

SeABank always puts customer safety first, ensuring all your requests will be processed quickly and effectively, providing absolute peace of mind when encountering the problem of losing an ATM card.

4. Frequently asked questions

Question 1: If I lose my ATM card, can I withdraw money?

If you lose your ATM card, you can still withdraw money by going to the bank with your identification documents (ID card/CCCD). Some banks also allow money withdrawal via QR code or using OTP code sent via phone.

Question 2: When making a new bank card, will I lose my old account number?

When renewing a new ATM card, you will not lose your old account number. The new card only replaces the old card, but the account number and transaction information remain the same. You can use your old account as usual.

Question 3: Can I renew my ATM card at another bank branch?

BYou can completely renew your ATM card at another bank branch, without needing to go to the branch that issued the old card. However, you need to bring identification and provide accurate information to complete the procedure.

Question 4: If I lose my ID card, can I get a new bank card?

If you lose your ID card, you need to re-issue your identification documents first. After that, you can request a new ATM card. In case of urgent need, some banks can accept alternative documents such as household registration book or notarized copy of CCCD to replace the card.

Losing a bank card can cause many risks, but if handled promptly, you can completely protect your account from the risk of abuse. Locking your card immediately and requesting a new card are important steps to help you maintain financial security. Always take precautions to avoid losing your card and ensure the safety of your account.

If you need support, please contact SeABank via Hotline 1900 555 587 or visit the website www.seabank.com.vn for detailed answers.