Most of the population's settlements are non-cash transactions using a bank card. The most popular are Sberbank cards. The constant use of plastic often leads to its loss or theft. Therefore, you need to know what to do if you lost your Sberbank card?
Search for a lost card
The absence of plastic does not always lead to its final loss. It is enough to remember where in last time you paid her or just took it in hand.
- If you withdraw money from an ATM at a bank branch, then, perhaps, the card was forgotten in the device.
- If it was not detained by the terminal, then employees or the bank's security could pick it up. It is worth returning to the branch or waiting for a call from the bank for some time. If plastic gets into the ATM system, it will be destroyed during the first collection.
- You can forget your card when you pay at the store. The probability of its return to the owner is quite high. Returning to the outlet in time, you can find it at the checkout or at the managers.
Therefore, when solving the problem of how to find a Sberbank card, if lost, it is important to analyze the latest transactions with it. In order to avoid fraudulent activities, do not delay the search for too long. You can call the hotline and block it due to loss. If the plastic is found, according to your call, it will be unblocked again in the call-center.
Card blocking
When deciding what to do if you lose your Sberbank card, you first need to block it. This will insure you against the risk of financial loss if the plastic gets into the hands of strangers. There are several ways to block:
Restoration of a lost card
If the plastic was found, then you can try to remove the restriction when you are sure that it was not used by strangers. The following actions are allowed to maintain financial security:
- Re-release. You need to visit a bank branch, where you can also find out how much it costs to reissue a Sberbank card if it is lost. New plastic will be delivered to the bank's office in 7-10 days. When reissuing, at the request of the client, a convenient branch for receiving is determined, which may be in another city or region. The reissue rate is 150 rubles. If the card is social or youth - 60 rubles. You will have to pay 500 rubles for plastic with an individual design.
- Closing an account. The application for closing is accepted on the day of application. The account itself will be closed only after 45 days. Then you can apply for another card. V in this case details will change completely. If used salary card, then new details must be provided to the accounting department of your organization.
When there is money left on the account, you can get it at the bank branch using your passport. Blocking and re-issuing plastic does not interfere with the receipt of salaries, pensions and other transfers from organizations. Such transfers are made to an account that continues to work. It is not possible to receive a transfer to the card number.
If a credit card with a debt is blocked, then the repayment takes place only at the bank office. The balance and debt are kept on the account. In this case, the bank employee performs the transfer to the account.
Security measures
In order not to incur financial losses in the event of loss or theft, it is important to follow a number of rules:
- Do not share or share your PIN code. Bank or call center employees never ask him.
- Do not keep the PIN code next to the card and do not write it on the plastic itself... If the wallet is lost, the fraudster will receive not only your card, but easy access to it.
- Periodic change of the PIN code. Frequent use of plastic can lead to the code becoming available to an unauthorized person. This happens near ATMs, in stores. It is recommended to change your password at least once every 3 months.
- Limit setting. It is worth limiting the possibility of daily expenses. This measure will ensure the safety of money within the established limits.
- Do not store accumulations on plastic. Using Sberbank Online, funds can be transferred to a savings account or deposit.
If the card was stolen, you must immediately leave a statement about this at the bank or at hotline and also report to the police. If unauthorized persons take possession of the funds, it will be possible to prove that you no longer had the plastic. The bank will return the money based on the claim within 1-3 months. This is very important for credit card. Credit Limits can reach several tens of thousands. Loss will result in full cash out credit funds... The client bears the risk of becoming a debtor to the bank.
In life happen different situations, and the loss of the card is one of the unpleasant, but possible moments. So what if you have lost your Sberbank card?
The first thing you need to do is. Remember that you are responsible for all transactions performed until the moment you block your card. If you have not reported this to the bank, then applications for challenging suspicious transactions (not committed by you) will not be accepted for consideration by the security service.
There are several ways to block a card:
- If yours is connected, you can send a short text message to number 900 with the following content: BLOCKED. Next, the last 4 digits of the card are indicated, and the reason for blocking is indicated next to the same line:
- lost card - 0;
- the card is stolen - 1;
- the ATM did not issue the card - 2;
- another reason is 3.
- Sberbank Online also has such an opportunity. In the main menu, select the required card, then block the option.
- You can also block the card by calling the Sberbank hotline 8 800-555-5550 (free call in Russia). When you call the support service, the operator will ask you how many questions. For example, passport number, date of birth, code word that was specified at the conclusion of the contract.
- You can do this at any Sberbank office upon presentation of your passport. After the blocking is carried out, it is necessary to come to the bank branch within three days from the moment of blocking and fill out a written application for the loss of the card. If you are unable to visit a bank branch, you can send a written application to the Helpdesk by fax. It is necessary to indicate the following information: full name, contact phone number, date of birth, branch number in which the card is opened, its type.
If you find a card after blocking it, then remember that you will no longer be able to use it (except for the cases described above). It must be destroyed on its own or transferred to any branch of Sberbank for destruction.
Further, it becomes necessary to restore the card. In Sberbank, the card can be restored only by submitting a written application at the branch in which it was issued, upon presentation of a passport. New card will be brought to the branch no earlier than 10 working days after the application is submitted (in accordance with the bank's regulations).
If you need to get Money from the card account, you can go to the branch where the card account is serviced and apply for the issue of funds, since when the card is blocked, the account is not blocked.
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How to withdraw money if you lost your card - read the PaySpace Magazine review
How to withdraw money if you lost your card Photo: ezomag.com
If you are lost bank card, the first thing to do is to block it by calling the bank by phone. So you will protect your funds from scammers, or simple onlookers who could pick it up on the street.
But what if you urgently need funds that remain on the card? After you block payment instrument, the money will be blocked with it. For the next two weeks, withdrawing funds from the account will be problematic - you will have to wait for the card to be reissued.
If there is hope that the card will be found, you can try to withdraw funds from it before calling the bank and blocking the payment instrument. There are several ways to get money if "plastic" is not at hand.
- transfer to another card
If you remember the card details, or you have an electronic wallet or Internet bank, you can transfer funds to another card through the card-to-card transfer service. How to do it - read in our material -. This is the most quick way withdraw money from the card, and then block it.
- receiving through ATM
You can get money from an ATM without a card Photo: http://www.vendingportal.eu/
Some Ukrainian banks offer to withdraw money from an ATM by phone number. For example, PrivatBank offers to enter the mobile number that is linked to the card, and then confirm the withdrawal of funds with the code that will be sent via SMS.
— getting at the register
Get money from card account also available at the cash desk of a bank branch. However, this will take time, which in our case plays into the hands of scammers. In addition, some banks do not allow withdrawals without a card in all of their branches. To get cash, you will have to go to the branch that issued the card.
- temporary blocking
If you nevertheless decide to block the card, use the temporary blocking. If the card is found, access can be restored.
How to withdraw money if the card is blocked?
If the chances that the card will be found are minimal, or you are sure that fraudsters stole it, you need to urgently block the payment instrument. After all, there is an unpleasant prospect of losing funds within five minutes.
Fraudsters can withdraw money from a stolen card in minutes Photo: http://www.growthbusiness.co.uk/
If you have blocked your card, you will have to wait 10 working days to receive funds from your account - this is how long it takes to reissue a payment instrument. The possibilities that were described above - online transfer, receipt at an ATM or at the cash desk no longer work. However, if you really need money, there will be a way to get it faster.
The bank may offer to transfer funds to another account opened in any financial institution. To do this, you need to contact the department and write an application for translation, which will be completed the next day.
If you do not have an account, you can apply for it at the same bank. And order an instant card for it for the convenience of using funds.
Don't lose your cards!
