Loss or theft of a bank card - not a single person is insured against such a situation. The most common card standards in Russia are VISA and MasterCard. Standardization is very convenient, as it allows you to settle in the same way in very different places. If the card has been lost, then the procedure for restoring it from the point of view of the client is also the same for all banks. The main thing is not to panic and act quickly.
If you have lost your card, then the very first thing you need to do is call the bank's support service and block it. The operator will ask you for some important information such as a code word, date of birth, full name. All this is done in order to make sure that it is the cardholder who is calling, and not a stranger. Authentication occurs quickly enough, after which the card is blocked, and your funds, if suddenly the lost plastic fell into the hands of an intruder, will be inaccessible to him.
The support number is always indicated on the card itself. For security reasons, it is recommended to rewrite it in advance in your notebook or enter it into your phone contacts, and it is better to do both. If you did not write down the number in advance, then you can find out it on the bank's website, as well as in any of its branches. If the matter is very urgent, but there is no way to access the Internet, or your bank branch nearby, then you can call the one-stop service center for VISA or MasterCard cards (depending on the type of card). Their numbers are written on any ATM where you will see the logos of these payment systems. The call within Russia will be free.
The most important thing is done, the card is blocked. Now you can deal with the funds that were on it. Losing your card does not mean that you will no longer receive your money. If you managed to block it in time, then no one will be able to use your money. Now you should apply for a card reissue. If you are in your country and your city, then the situation is quite simple: you just need to come to the bank and write an application. Some banks require that this be done necessarily in the same branch where the lost card was issued, for example, this is Sberbank. Others allow the card to be reissued at any of its branches. You can find out everything about the rules that your bank adheres to by calling technical support, where the operator will explain in detail to you exactly what actions are required of you and how long it will take to reissue. This usually takes several days, from 5 to 14.
If your card was "eaten" by an ATM, then it is not necessary that you have lost it forever. In this case, it goes to a special place in the ATM, where it waits for it to be removed. Typically, employees remove valuables from ATMs on a daily basis. You must definitely contact your bank, write an application, in which you should indicate the address of the ATM and your passport data. Also, as soon as the ATM has held the card, it is best to immediately call the service center.
Even if you have lost your card, you can still get the money that was on it. To do this, you need to go to your bank, where you will be given funds according to your passport. You may need to provide your pin code.
If the card is lost abroad, the situation can become very complicated. In any case, hurry up to block it. Some banks provide cash withdrawal and card reissue services to customers outside their home country. This question can be clarified by contacting the support of your bank.
