ATM Card Blocked : 5 Simple Ways to Block & Unblocked ATM Card/Debit Card

Updated on: 19 Feb 2025

The option to block your ATM card is one of the ideal options to ensure better protection of your funds. You can rely on this option if:

You notice any suspicious activity
Your card is lost or stolen
To prevent unauthorised transactions or ensure it’s not misused

When you realise your card is not at risk after you block it, you can easily unblock it. This gives you complete access to the funds and ensures the safety of your funds. This way, you can easily manage your card with the options offered by the bank.

Read on to learn what to do when an ATM card is blocked, how to block and unblock it, and safety tips to avoid it.

How to Block an ATM Card?

Here are some of the online and offline ways of getting your ATM or debit card blocked:

Through Customer Care

One of the fastest ways to do this is by calling the customer care number. To initiate the process, you need to provide some details for verification. Once verified, they will block your card and send you confirmation through SMS or email.

At the Branch

You can also visit the nearest branch of your bank and talk to a representative about blocking your card. The representative will also ask for details to verify your identity and block your card.

Through Net Banking

Following are the steps to block your card online on the bank’s website.

Step 1: Log in to using your credentials
Step 2: Navigate to the option to block the card
Step 3: Select the card you want to block
Step 4: Provide the reason for card blocking and other details
Step 5: Proceed and wait for confirmation

On the Mobile Banking App

To block the ATM card using this method, you need to register for mobile banking. Once registered, you can find the option on the dashboard for most mobile banking apps. Tap on it and follow the steps to place your request.

With SMS Banking

You can also get your ATM card blocked by sending an SMS to the number provided by the card issuer. All banks have a fixed SMS format to avail of this facility. Once you send the message, you will receive confirmation when the process is complete and your card is blocked.

Remember, the bank can also automatically block your card under certain situations, such as:

If you enter the wrong PIN more than three times
If there is a large amount of purchase that reduces the account balance to zero
If your card has expired
If the bank experiences a security breach

If this happens, you can talk to them and proceed to unblock your card to access the funds required.

Also Read: Transfer Money From an ATM Card to Another Account

How to Unblock an ATM Card?

Here are the various ways through which you can unblock your debit card:

Automatic Unblock

When a bank blocks the card for incorrectly entering the ATM PIN thrice, it gets automatically unblocked after 24 hours.

At the Bank Branch

If you’re having trouble logging into your net or mobile banking, visit your nearest bank. Here, you can place a request by providing your banking details. After processing your request and verifying the details, your card will be unblocked shortly.

Through Online Mode

You can also unblock your card by logging into your net banking account or through the bank’s mobile application. Once logged in, you can navigate to the unblock option and select the card.

Through SMS

Some banks also offer the card unblocking facility through SMS banking. Simply send an SMS in the specified format to the given number from your registered mobile number. Once your card gets unblocked, you will receive confirmation.

Also Read: What is ATM Card AMC

Safety Tips to Follow When Using the Debit Card

While blocking and unblocking your debit card is crucial, you can use these tips to avoid such situations and protect your finances:

Use a secure network when transacting with your debit card
Set up two-factor authentication
Avoid writing down or disclosing your ATM pin
Change your debit card PIN periodically
Opt for mobile notifications to get transaction alerts
Avoid handing over your card to the cashier when making a payment

Following these will safeguard your funds. Remember, be it a debit or a credit card, safety should be your top-most priority. The Fibe Axis Bank Credit Card is among the most secure cards as it’s a numberless card. This eliminates any vulnerabilities as your card details remain safe.

This is an UPI-enabled card, allowing you to make seamless transactions. With this card, earn up to 3% cashback on all your transactions without any annual or joining fees. In addition, enjoy complimentary lounge access, discounts on dining, and much more. Download the Fibe App or visit our website to apply now!

FAQs on Blocking and Unblocking ATM Cards

How can I block my ATM card by SMS?

To block an ATM card, draft a text in the required format and send it to the designated number from your registered mobile number. You can find your bank’s SMS banking number and the format on the official website.

Can we unblock ATM cards online?

Yes, some banks allow you to unblock debit cards online via net banking or mobile banking apps.

How can I block my ATM card immediately?

Simply call the customer care helpline or log in to your net banking account to block your debit card immediately.

How do I withdraw money from a blocked account?

It is ideal to wait 24 hours to unblock it before withdrawing if the banks block your account. However, this timeline may vary depending on your bank.