Have you ever been in a situation where you tried to use your ATM card, only to be told that it was blocked? This can happen at the slightest possibility of a fraudulent transaction, ATM skimming, or unapproved payments. Additionally, ATM cards are blocked when they expire.
The good news is that unblocking your ATM card is an easy procedure. In this article, we will explore the most effective methods for unblocking your card and preventative measures for future blockages.
Related Read: What is White Label ATM? Know Examples And Benefits
Table of Contents
Methods to Unblock an ATM Card
An ATM card can be unblocked using various methods. These approaches depend on the urgency, reasons for suspension, and the issuing bank’s rules.
The most common methods to unblock an ATM card include the following:
- By visiting a bank branch
- Through SMS banking
- Through Netbanking / Mobile Banking App (Online)
- Automatic unblocking process
- By calling customer service
Note: In case your ATM card is missing or gets stolen, you can block your ATM card intentionally by contacting your bank.
Method 1: How to Unblock ATM Card by Visiting a Bank Branch?
One of the most reliable methods to unblock your ATM card is by visiting your bank’s nearest branch. Visit your bank’s branch and submit a written application to unblock your ATM card. Provide identification and address proof to verify your identity. Once verified, the bank will unblock your card.
Method 2: How to Unblock ATM Card by SMS Banking Method?
- STEP 1: Check if your bank offers SMS unblocking and find out the required format or keywords
- STEP 2: Send an SMS to your bank’s number with details like the account number, card number, and blocking reason
- STEP 3: You may get a confirmation code or link to confirm your request
- STEP 4: After verifying your identity, the bank will send an SMS confirming your card is unblocked and usable
Note: This doesn’t apply to cards permanently deactivated for non-expiration reasons.
Method 3: How to Unblock ATM Card through Netbanking / Mobile Banking App (Online)?
Some banks allow you to unblock your ATM card online. You can do this by simply logging into your bank’s net banking portal or mobile app and following the subsequent instructions.
Method 4: How to Unblock ATM Card by Automatic Unblocking Process?
Your bank can automatically activate or unblock your ATM card in a few instances:
- If you forget your ATM PIN and make three incorrect attempts, your card may be temporarily blocked for 24 hours. It will be reactivated once the time duration is over.
- Banks may block your ATM card for security reasons if they detect any suspicious transactions. The card is unblocked once the security checks are completed.
Method 5: How to Unblock ATM Card by Calling Customer Service?
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- STEP 1: Contact your bank’s customer service
- STEP 2: Follow the automated instructions, or you can opt to talk with a representative
- STEP 3: Confirm your identity with details like your account and card numbers
- STEP 4: Place a request to unblock the card
- STEP 5: Unblocking your card may require additional information, or you might need to visit a branch to complete the process
Related Read: How to Generate ATM PIN Using ATM, SMS, Net & Mobile Banking
What are the Steps to Follow After Unblocking an ATM Card?
STEP 1: Changing Your PIN
After your ATM card has been unblocked, it is safe to change your PIN for added security. You can do this at an ATM terminal, your bank’s mobile app, or at a branch.
STEP 2: Monitoring Your Account
Watch your bank account closely post-unblocking. Inform your bank immediately if there are any suspicious transactions made to prevent further issues.
STEP 3: Updating Your Contact Information
Always verify and update your phone number and email with your bank. This ensures quick communication in case of future card or account issues.
Conclusion
You may simply follow any one of the methods listed above to unblock your ATM card immediately. As a user, always be mindful of your ATM cards and if you suspect it is missing, contact your bank and block the card right away to prevent any ATM fraud activities.
It is advised to keep your PIN private, update your contact details, and monitor your account regularly. Stay proactive to minimise inconvenience and maintain control of your finances.
Related Read: What’s an ATM Card AMC & Smart Ways to Avoid It
Frequently Asked Questions
1. What are the most common reasons for an ATM card to be blocked?
The most common reasons for an ATM card blockage is due to:
- Abnormal use patterns, such as high-value purchases or transactions in a new location
- Technical errors or changes in the bank’s terms
- Repeatedly typing an invalid CVV or PIN for security concerns
2. How long does it take to unblock my ATM card?
When an ATM card is blocked due to incorrect PIN inputs, it usually takes 24 hours to automatically unblock it. However, based on the bank’s policies, the time frame could vary. If you want to unblock the card sooner, you can contact your bank directly via their online banking portal, mobile app, or customer care.
3. How do I know if my ATM card is blocked?
You can find out whether your ATM card is blocked by contacting your bank’s customer care, checking your account balance online, or attempting a small transaction and seeing if it’s denied.
4. Is there a fee for unblocking my ATM card?
Since it is the bank’s duty to protect its customers’ accounts, there usually is no cost associated with unblocking an ATM card.
5. How can I prevent my ATM card from getting blocked again?
To keep your ATM card from being blocked again, avoid entering the wrong PIN, use your card for legitimate transactions only, and keep it secure to prevent unauthorised usage. If you detect any unusual activity, call your bank instantly to restrict the card and avoid future misuse.
6. What if my card gets blocked while I’m travelling abroad?
If your ATM card is blocked while travelling abroad, call your bank immediately to get it unblocked. Provide information about your travel intentions so that the bank can reactivate the card and prevent further bans. Carry a backup payment option, such as a credit card or cash, to prevent being stranded without finances.
7. Can I withdraw money from a blocked ATM card?
No, you can’t withdraw money from a blocked ATM card. The card is banned for security reasons, which prevents any transactions until it is unblocked. To access your funds, you must first unblock the card through your bank.
