How to Block ATM Card (Debit Card) – Step-by-Step Guide (2026)
If your ATM/debit card is lost, stolen, or misused, you should block it immediately to prevent fraud. Most banks allow card blocking 24×7 through multiple methods.
Quick Summary
- Block ATM card immediately if lost or stolen
- Can be done via mobile app, customer care, SMS, or branch
- Blocking is usually instant
- You can request a replacement card after blocking
Method 1: Block ATM Card via Mobile Banking App (Easiest)
- Open your bank’s mobile banking app
- Login using MPIN / password
- Go to Debit Card / ATM Card Services
- Select Block Card
- Choose reason (lost / stolen / misuse)
- Confirm with OTP
Card is blocked instantly
Method 2: Block ATM Card via Customer Care
- Call your bank’s customer care number
- Choose ATM/Debit Card services
- Verify details (account or DOB)
- Request card blocking
Note the complaint or reference number.
Method 3: Block ATM Card via SMS (Some Banks)
Some banks allow card blocking by SMS.
Example format (varies by bank):BLOCK ATM <last 4 digits of card> → Send to bank’s official number
Check your bank’s SMS format before sending.
Method 4: Block ATM Card via Internet Banking
- Login to net banking
- Go to ATM / Debit Card Services
- Select Block Debit Card
- Confirm with OTP
Method 5: Block ATM Card by Visiting Branch
- Visit nearest bank branch
- Carry valid ID proof
- Request ATM card blocking
- Fill form if required
Blocking is usually done the same day.
After Blocking the ATM Card – What Next?
- No withdrawals or transactions can be done
- Any misuse after blocking is not your responsibility
- Apply for new ATM/debit card
- New card usually arrives in 5–10 working days (may vary)
FAQs
Is blocking ATM card free?
A. Yes, blocking is usually free. Replacement card may have a fee.
Can I unblock the card later?
A. Some banks allow temporary blocking/unblocking via app.
What if money is already debited?
A. Report immediately and raise a dispute with the bank.
Can ATM card be blocked without account number?
A. Yes, customer care can block using basic verification.
Common Problems & Solutions
- App not working? → Use customer care or SMS
- Card misused? → Block immediately and file complaint
- OTP not received? → Check mobile network or retry
Security Tips
- Never write PIN on the card
- Don’t share ATM PIN or OTP
- Enable transaction alerts
- Check account statements regularly
Conclusion
Blocking your ATM card quickly is the best way to protect your money if the card is lost or stolen. Use mobile banking or customer care for instant blocking, and request a replacement card if needed.
Always keep your bank’s customer care number saved for emergencies.
