Economist. Over 15 years of experience in finance. The date: November 9, 2019. Reading time 6 min.
Oleg E./Ya.Collections
In case of loss of the card, it is necessary to immediately block it - call the bank, visit a branch or carry out the procedure yourself in your personal account. After blocking, no one will be able to use the money - only the owner of the passport has the right to withdraw the balance on the account. To get a new plastic order a reissue.
A person who has lost a Sberbank card runs the risk of losing his savings, because. modern credit cards equipped contactless chips, allowing you to make purchases without a pin code.
As soon as a loss is discovered, a decision must be made: immediately look for it or immediately block it. You can’t pull - every minute the funds in the account can be spent, especially if the card can be used without entering a pin code (payment via PayPass). Also, purchases through many online stores occur by dialing a number, date and special. code without confirmation mobile phone.
Common places to stay:
The first thing to do when buying is to be sure of the security of the funds and look calmly.
Important! It is impossible to unlock even if it is found. Plastic needs to be recycled. At the same time, the account itself remains active until the owner closes it himself.
Table 1. Sberbank card blocking
| Way | Terms | Instruction |
| Call to hotline | Single number 900 or 8-800-555-55-50 | Wait for the operator's response. To receive the service, name the code word coined at the conclusion of the contract. If you do not remember it, the operator will offer alternative way identification. |
| Through Sberbank Online | Through full or mobile version in personal account | Select a card among the available ones, open the functionality and press the block button. Specify the reason and confirm the action. |
| In the department | Be sure to bring the original or a certified copy of your passport with you. | The operator will provide an application for signature, after the approval, the blocking will be made. |
| Via SMS | Need connection to Mobile bank» – SMS command service | To initiate the procedure, send a message to number 900: "BLOCK ***X", where **** - the last 4 digits of the plastic number, X - reason: ● 0 - theft; ● 1 - loss; ● 2 - the ATM does not return the card; ● 3 - other. |
Source: Sberbank website
Screenshot from the page of the online version of Sberbank
On a note! If before blocking someone managed to spend money, write a request to cancel the transaction and submit it to any bank branch - the funds will be returned.
It is impossible to restore plastic if it is lost - only reissue it. Existing accounts will be saved, the number, expiration date and special code will be changed, as well as the password for entering. If desired, the client can close accounts and open others.
Produced in the following ways:
Track the status of readiness through the mobile or full version of the service - select the number you are looking for and click: information about the date and place of receipt will be displayed. The procedure takes from 2 to 10 working days, excluding weekends. The countdown starts from the next day. For example, if you submit an application on Thursday, it will be processed from Friday, if you submit it on Friday, it will be processed from Monday.
You can get ready-made plastic within 3 months at the selected branch with a passport or power of attorney (if you need to represent the interests of another person).
The absence of plastic does not prevent him from cashing out. How to do it:
The alternative is to wait for the new credit card to be ready: all the balances on the lost card will be transferred to it.
Loss or theft while traveling abroad is a common occurrence.
Screenshot from the video gtrk.tv "What should be the card for traveling abroad"
If you find yourself in a similar situation, be guided by the scheme:
When traveling abroad, it is recommended to have several credit cards and keep them in different places - in a bag, pocket, car. In case of loss of one, you can transfer money to another and rest further. An alternative option is to create a virtual account and store most of the savings on it: attackers do not know about it, they will not be able to use it.
More tips on the topic in the video:
Higher education. Orenburg State University (specialization: economics and management at heavy engineering enterprises).
November 9, 2019 .
Bank cards are in high demand among Russians. With their help, you can remotely make payments, receive and withdraw money. The card is issued for a period of 4 years. After this time, it must be re-released. But what if you lost bank card? In today's article, we will try to understand this issue.
Losing a card does not mean losing money. You can block it at any time. And attackers will not be able to use your money. However, do not hesitate to block. You can do this in several ways:
What threatens the loss of a Sberbank bank card? The danger lies in the fact that your account may fall into the hands of scammers. Attackers, even without knowing the PIN code, can withdraw all the funds. For this, information about the CVV code (a three-digit number on the back of the card) and the number of the account itself is enough. 
If upon arrival home you find that the card is missing, you need to make a phone call to the bank. Calls from all landline and mobile numbers are free. After contacting the operator, describe the situation and leave a request to block the card. During the conversation, a bank employee may require you to provide the following information:
Write down the first and last name of the bank operator you contacted. What to do if you lost your bank card? After the phone call, there are a couple more steps to take. But for now, let's tell you one more important information.
If, after the card is lost, an employee “allegedly” from the bank calls you and requires a PIN code, in no case do not disclose it. This is a scammer who wants to take advantage of the money on your card. 
Moreover, malefactors beg for PINs under various pretexts. Do not believe the words of scammers - only you and no one else, even bank representatives, should know the information about the PIN code.
After making the call, you need to replace the oral statement with a written one within three days. We go to the nearest branch of the bank and explain the situation. After submitting a written application, the card will be reissued within 7-14 days. How much does this procedure cost? Reissuing a card costs about 100-250 rubles. When making an application, you must have the originals:
What to do if you have lost your bank card and are not sure about its loss? There are times when we forget the card in the car or at home. For such situations, the bank has a temporary blocking service. It is valid for three days. If after this time the card is not found, then it should be permanently blocked.
Often people worry about changing their current account. 
This is not very convenient, especially for those who do business. But if the card is lost, it can be restored with the same account number.
The reverse side of the card shows what to do if it is lost. So, the owner can block the account from the phone by sending a message to the number (for example, 900). The following data should be indicated in the text: "Block XXXX B". It will be decoded as follows:
Within a few minutes, the account will be blocked. No ATM will be able to dispense money from this card.
By downloading the official application of the bank, you can carry out all operations remotely. Including blocking the card in case of its loss. To do this, go to the "Menu" and select the "Card blocking" section. By following the prompts in the app, you can block her for 3 or more banking days and contact the operator.
It often happens that the map is after a while in some place. During this period, we have already managed to apply and even get new plastic. 
What to do with the old card? It is not worth using it, since the data can be overwritten by intruders. In case of unlocking, scammers will immediately use your old card.
Unfortunately, it is not always possible to block the card in time. In case of loss at any time, it can be used by unauthorized persons. What should I do if I lost my Sberbank bank card and all funds were withdrawn from it? In this case, it is necessary to notify the bank by writing an appropriate application. All situations are reviewed by staff in individually. After submitting an application, the chances of returning the missing money increase.
In case of refusal of the client from the performed operation, an internal investigation is carried out. So, employees will study all videos from ATM cameras, location and much more. Next, the bank decides to return the money to the client. The damage is compensated in full. But it should be borne in mind that if the card fell into the hands of fraudsters through the fault of the client, the latter is not entitled to monetary compensation. At the conclusion of the contract, you undertake not to disclose confidential information. This applies not only to the password, but also to the CVV code, as well as other data.
So, we figured out what to do if you lose your bank card. As you can see, there are several ways to block it. The main thing is not to postpone the blocking "for later". Unfortunately, the loss of a bank card is a very common situation that anyone can face. Therefore, you need to know the blocking steps in advance card account. Remember that the money can always be returned in full (except if you yourself did not provide confidential data to the scammer).
Content
A small plastic card is a convenient means of storing money and paying for goods, but small sizes can lead to its loss, and at such moments, the clients of the most popular issuer have a question: what to do if they lose a Sberbank card. All categories of the population use the services of servicing card accounts of this bank, to which salaries, benefits, scholarships and pensions are credited. In order to simplify the mechanism for restoring access to funds in case of loss of a card, simple rules for reissuing it have been developed.
Before sounding the alarm about the loss, you need to make sure that the card is really lost, because if you find it after contacting the bank about the loss, it will no longer be possible to use the found card. The reason for concern is the absence of the card in the places of its probable location or if the wallet or bag where it was stored was stolen. Depending on the circumstances, the loss options may be as follows:
The option when you are sure that the card was lost within the apartment (for example, fell behind furniture or another hard-to-reach place) requires taking action only when it is not possible to get it, and there is a need to urgently use it. If you happen to forget where you put the plastic card, and you just can’t remember, you should be aware that the client’s appeal about the loss is a reason for blocking, and you can’t use the old card, even if after a while you remember where you put it.
If missing is found salary card(or lost a credit card) after leaving the store where it was used to pay for purchased goods, you must return there and ask the manager to announce the loss. However, even if the payment instrument is returned, one cannot be sure that its data was not used by fraudsters. Plastic means of payment, although they have high level protection, but the security of funds is only guaranteed if the owner's secret data is not available to third parties.
The most dangerous option for losing a Sberbank card, which requires immediate action, is theft. Purposeful theft of plastic cards is carried out in order to make purchases via the Internet. This is explained by the fact that it is impossible to withdraw money from an ATM without knowing the PIN code, and some online stores use customer identifiers, such as account number, secret code, expiration date, to pay for goods. This data is indicated on the card and can be used for criminal purposes.
Regardless of how you lost access to a plastic means of payment, you need to know what to do if you lose your Sberbank card. The sequence of actions if the card is lost or stolen is identical, and it is as follows:
If it so happened that you forgot the combination of digits of your personal identification number to carry out transactions with your account, and are trying to find out what to do if you lose your pin code, then you should know: the secret code cannot be recovered. To restore the ability to make settlements and other payments in case of loss of the pin code, you must perform the same actions as in case of loss of the card.
The integrity of the funds in the account depends on how fast your actions are when a loss is discovered. In order to prevent the possibility of using the personal data of a client who has lost access to a plastic payment instrument, the bank provides several options for blocking:
If a Sberbank card is lost, to block it, call the phone number specified in the account service agreement. If it is not possible to find a document, you can use a bank statement, check, receipt, or visit the Sberbank website. You can call the toll-free number around the clock. In order for an employee to block, he will need information about passport data, and he can also ask for a code word if such an option was provided when concluding the contract.
Activation of the Internet banking service provides the ability to block access to the account of the owner of a plastic payment instrument online using personal account. For this you need:
The blocking procedure can be carried out by a bank employee, for which you need to contact the nearest branch and find out what to do if you have lost your Sberbank card. After submitting an application describing the reason for the blocking and indicating all the necessary data, an instant blocking will occur. This method is convenient because it allows you to immediately take an interest in all the details of the recovery procedure and clarify your further actions.
Using a mobile service to block an account is convenient and saves time. In order to use this method, you should type the text of the message, starting with the term "blokirovka". This word is followed by 4 last figures the account to be blocked and the reason identifier (0 - loss, 1 - theft). After sending a message to the short number 900, access to the account is automatically blocked.
A lost plastic card is subject to recovery, which occurs on the basis of an application for reissue. The procedure takes from 3-4 days to 2-3 weeks. The length of the wait depends on certain conditions. For example, if you are a cardholder with annual service, and its validity period is coming to an end, it is probably already made - in this case, the waiting period will be minimal. The recovery instruction is described on the official website of the bank, and it is as follows:
In order to start the mechanism for restoring a Sberbank card, you should write an application indicating the reason for the appeal. If the owner of the account - apply in person. A sample application is provided by a bank employee who will help fill out the form. Another option for filling out an application is to fill out an electronic form for card restoration through a client-bank. Following the menu prompts, the user creates an application for reissuance and sends it to the bank for consideration.
The card is produced on the basis of the client's application, and it can be issued only upon personal application. Re-issuing a Sberbank card in case of loss, like its initial issue, is not a free service. Without payment, only a personalized means of payment is issued, the validity period of which has expired. The issued card should be picked up at the branch where the application was submitted. Those who wish to play it safe in case of repeated loss can make a duplicate and put it in a safe place or give it to one of the family members for safekeeping.
The restoration service involves the payment of a commission for reissuing. The amount of the payment depends on the type, level and reason for applying for restoration. Reissue cost debit card due to the loss is from 30 to 300 rubles, where minimum size commissions are the standard type of entry level, and the maximum is nominal or privileged. A credit card can be ordered for 150 rubles. The amount of the commission is debited automatically from the card account or paid through the cash desk of the bank.
The missing plastic card can happen to anyone due to circumstances beyond the control of a person, so banks are loyal to this kind of problem and do not punish their customers with penalties. However, when a lost plastic card is blocked, data is automatically entered into the stop list (which guarantees complete security Money clients) and this operation costs 1500 rubles. Funds are debited by the bank payment system from the holder's account, and if the balance is insufficient, it becomes necessary to deposit cash at the cash desk.
The process of reissuing a lost card can take several weeks, so in order to cash out the available balance with lost card, you should contact the bank branch where the issue was made. You don't have to wait long to get your money. The algorithm of actions is as follows.
When a bank card is lost, they often do not know exactly where and how the card was lost. Well, if she really was lost at home and lies in the far drawer of the table, or she was raised by "honest" hands, but the card could have been stolen. What is the first thing to do if the card is lost?
In any case, if you did not find the card, do not waste time, and first of all temporarily block the card account and write an application for the restoration of a bank card. To do this, just call the Sberbank branch, if you have a Sberbank card, confirm the right to perform this action and the account will be instantly blocked. No one will withdraw money from the card account at an ATM or transfer money from the account in another way.
Restoration of a lost bank card is carried out after a written application by the cardholder by replacing it (reissuing) with the assignment of a new card number and pin code.
When receiving a bank card at Sberbank or another bank, be sure to write down contact number this department. In case of loss of a bank card, it will be enough for you to call it, confirm your right to make transactions on the card and verbally order to temporarily block the account.
If your card is connected to the Mobile Bank service of Sberbank, then such an order can be performed using SMS. How to send such an order can be found in the Mobile Banking User Guide.
If the card is lost, its operation can also be blocked via the Internet. But for this, an Internet banking system must be connected to the card, for example, in Sberbank such a service is called Sberbank online.
If you do not have the phone number of your bank branch, call the hotline of the bank that owns the card. You will definitely be helped there. Just get ready to answer a few questions, give a code word, or otherwise confirm your rights to perform actions with the card.
As already mentioned, the bank does not restore the lost bank card. Instead, the bank issues new map, with a new card number and card pin. That's why within 3 days after a verbal order to block the card account, you need to write a statement about the loss of a bank card and at the same time apply for a new card.
An application can be written at any branch of Sberbank (if you have a Sberbank card), and to issue a new bank card, it is advisable to contact the branch that issued your card. The process of issuing a card will then be a little faster. Please note that you will not receive a new card immediately, you will have to wait about 2 weeks. With the exception of instant issuance cards, such as the Sberbank debit card Maestro Momentum. Therefore, if you need money, withdraw it from your bank card account at the bank's cash desk. Don't forget to take your passport with you.
An application for the loss of a card can also be sent by fax, indicating your phone number, full name and date of birth, place of receipt of the card, type of card, currency of the card account.
If the old, "lost" card is subsequently found, it must be handed over to the bank.
For an extraordinary issue of a bank card, you will have to pay. The amount of this amount is set by each bank, depending on the type and type of card (debit, credit). For example, in Sberbank, the reissue of some cards costs 150 rubles, and for the entry-level Maestro card - the "Social" fee will be only 30 rubles.
Suspension, temporary blocking of the card in case of loss of the card in any bank is free of charge. If you don’t have the phone number of the bank that issued the card, look on the Internet for the bank’s website. On the site you will find not only a phone, but also detailed instructions How to deal with the loss of a bank card.
If you have 100 rubles on your card, and you call the bank operator on duty with a request to block, then this is one thing. And if you have a very "decent" amount on your card, and you lost the card, record any of your actions. Write down the date and time of the appeal, the data of the operator who accepted your application, ask to send a fax, etc.
Card blocking can have several stages. The so-called "soft" blocking only temporarily suspends the operation of the card and blocks the movement of funds on the account. It is convenient to use it if you are almost 100% sure that the card will be found. If you are sure that the card will not be found or it has been stolen, then block forever.
If you have several cards and Internet banking is connected, for example, Sberbank Online @ yn, do not waste time, go to your page and transfer money to another card. You can also block the lost card there. As a result of these actions, your card will be blacklisted or stoplisted. Stop list is electronic list prohibited to use bank cards, which is sent to all stores and service centers that accept payments from cards of this payment system. Even using a password, when paying with your card, the operation is automatically blocked.
Publication date: 15/11/2013
When lost plastic card you will have to get a new card with a new card number and pin code. But the card account number will remain the same, it will not be changed at the bank if the card is lost, but will only be temporarily blocked. Bank card recovery is not performed.
Having issued a credit card at a bank, you must also take into account that you will have to return not only the debt and interest on it, but also pay for Banking services- maintenance of the card and account, some operations on the card, SMS informing about the status of your account, etc.
Both for opening and closing a card, the bank has certain rules that are detailed in the contract. In the same place in the contract you can find recommendations on what to do if you have lost your card.
Upon receiving the card, the bank gives you a "secret" envelope containing the card's pin code and card account number. Write down immediately the phone number of the operator on duty of this bank. It will come in handy in emergency situations.
Main advantage electronic money that the electronic transfer of money for goods or services does not require the payment of large commissions, and sometimes it is completely free. Another advantage is that it is impossible to lose an electronic wallet, like a bank card.
