5 Simple Ways To Get an ATM Card Blocked and Unblocked

  • Published on: 28 Dec 2023
5 Simple Ways To Get an ATM Card Blocked and Unblocked

Getting your ATM card blocked by the bank 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 or if your card is lost or stolen. Getting your debit card blocked helps prevent unauthorised transactions and ensures it’s not misused. 

However, if you realise your card is not at risk after you block it, you can just as easily unblock it. This gives you access to the funds and make payments seamlessly. 

Read on to learn how to block and unblock debit cards and the precautions you can take for safety. 

How to block an ATM Card?

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

Through Customer Care

You can get your ATM card blocked by calling your bank’s customer care number. To initiate the process, you will need to provide some details for verification. Once the team completes the verification, they will block your card and you will receive a 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 then proceed to block your card.

Through Net Banking

A convenient option to block your card online is through your net banking accounts. Here are the steps you need to follow: 

  • Step 1: Log in to your net banking account
  • Step 2: Navigate to the option to block your 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

You can also block your card using the bank’s mobile banking app. To use this facility, you need to register for mobile banking. Then, you will find the option to block your card. 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 that you can use and send from your registered mobile number. 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 with the process of unblocking your card and accessing the funds required.

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How to unblock a Debit 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 have intentionally or mistakenly blocked your ATM card, then you can submit an application to unblock your card at the nearest branch. After processing your request and verifying the details, the bank will unblock your card.

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 facility to unblock your card using the SMS banking facility. 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 tips and precautionary measures will help you 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, which eliminates the vulnerabilities of numbered cards.

It is UPI-enabled, which allows you to make seamless transactions without any hassles. You can also earn up to 3% cashback on all your transactions without any annual or joining fees. In addition to this, you get facilities such as complimentary lounge access, discounts on dining, and much more. Download the Fibe Instant Loan 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 your 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.


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