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Vaishnavi kale
Vaishnavi is a Financial Content Writer at LoansJagat. She holds a B.Sc. and an M.Sc. She has experience in writing SEO-focused content across finance, digital marketing, education, and Ayurveda. Before joining LoansJagat, she worked with digital marketing agencies serving fintech clients and quick-commerce brands like Zepto and blinkit. At LoansJagat, Vaishnavi writes on banking, loans, personal finance, and insurance. Her work involves researching financial topics, understanding user search intent, and creating content that is clear and accurate. She has experience in SEO content writing, keyword research, content optimisation, and AEO. She enjoys simplifying complex topics into practical information that readers can easily understand and use. She believes that well-researched and reliable content plays an important role in helping people make informed financial decisions.
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Basic ATM card is used for money withdrawal and checking balance. But modern debit cards like RuPay, Visa, or Mastercard cards, offer more features. You can use these cards for withdrawing money and making payments at shops using POS machines. You can tap and pay with this card. If your ATM card is stolen or lost, it increases the risk of financial loss; that's why blocking your ATM card becomes important. Every bank allows you to block your ATM card with different methods. In Loansjagat, we are exploring the same.
Money can be needed at any time, and having it when it's necessary is crucial. Every time you can't visit a bank, that's why the ATM comes in the frame. Here are some importance of ATMs.
With an ATM card, you have full access to your account.
As I mentioned above, an ATM card is primarily used to withdraw money conveniently without standing in a long queue. But if your card is lost or stolen. It can be misused. So blocking it can prevent fraud.
If someone gets your card and access, they can withdraw money, transfer money, and make purchases without permission. After losing your card, you should quickly block it because delaying can increase the chances of financial loss.
When you block your ATM card, you disable all card-related services like cash withdrawals, online payments, fund transfers, and PIN changes. So, if your ATM card is lost, stolen, or you are not using it anymore, then you should block it.
There are different methods, like the customer care number, App, and bank visit, by which you can block your ATM cards. Here are some methods.
Your bank allows you to block ATM cards via a net banking portal. If you have online banking access, you can block your ATM within a few minutes. You just need to log in to your bank's NetBanking portal and block the ATM. You will get a confirmation SMS or email when you block your ATM card.
Here are some NetBanking portals of banks you can use:
ICICI NetBanking
When you want to block the ATM card in an emergency, the first and easiest method is calling the customer care number. You can use this number 24/7.
Steps to block ATM:
Here are some banks' customer care numbers:
Calling the customer care number is the easiest way to block your ATM.
Temporary Card Lock
If your card is lost but you know you will find it soon, you can block your temporary card. You can unblock this card after getting it.
Permanent Blocking
If your card is lost or stolen then you can block it permanently. You can not reactivate this card. Your bank will issue a replacement card with a new card number and CVV.
Card Transactions Stop: ATM withdrawals, POS payments, tap-and-pay transactions, and online payments using your card are blocked after blocking ATM cards.
Bank Account Remains Active: if you block your ATM card it doesn't freeze your bank account. You can still receive money and transfer funds from NetBanking, mobile banking, UPI, or a bank branch.
UPI usually continues to work: you can still use Google Pay, PhonePe, and Paytm apps that are linked to your bank account and generally continue to work.
Recurring Payments May Stop: Subscriptions linked to your debit card can stop working once the card is blocked. But automatic payments linked directly to your bank account through e-NACH or ECS will usually continue as normal.
You can prevent fraud by blocking your ATM card, but this isn't enough. When your ATM card is blocked, you can't use it either. Here are some steps you should take after blocking an ATM card.
What steps to Take If You Notice Fraudulent Transactions?
If you noticed any fraudulent transaction, you can follow these tips:
After blocking the ATM card, you should replace the ATM card and then use it
carefully.
Your ATM card is primarily used to withdraw money and check balance but if it is lost or stolen, it can be misused. That's why blocking it becomes important. Every bank offers different ways to block the ATM card. There are various methods like mobile app, NetBanking portals, allow cato re numthe ber, and SMS services in some banks that allows you to block ATMs from the comfort of your home. In this block I have given bank-specific in general terms. If you want to know specific information on how to block ATMs, you can visit the Loansjagat's website.
It is not possible. If you have blocked your card permanently you can not unblock it.
You can block yours by visiting a bank branch. If you are not the executive about it, you can visit a bra;ch and ask about it to the executive. You will form a form, after filling it, submit it on the counter. Your ATM Will be blocked.
No, actually it only affects your ATM withdrawals, POS swipes, and online card checkouts. Because these are functions that you perform with an ATM card and hence it gets affected by blocking the ATM. But your bank account remains active.
There are many methods by which you can block a yodependcard without a visibank bank branch. These methallowpends on the specific bank's. But most of the banks allow you black ATM cards via mobile apps, customer care numberforNetBanking, and SMS.
Record season can be anything. But most people block their ATM when the card is stolen or lost. It increases the risk of financial loss so people block it.
If you have already blocked your ATM card, then no one can use it, not even you.
When you block an ATM card it can only restrict the money witha drawal from your account with the ATM , otherwise you can visit the branch and;withdraw money. Similarly, it doesn't affect your count, anyone can send you money and it is transferred to the bank safely.
After blocking your ATM card ,first you should check your balance. If something is wrong with cybercrime and if fraud occurred, register a complaint on cyber crime. After that you should apply for a new ATM card because sometimes you can not use online services without it.
When you block your ATM card, it only affects you. Your bank account remains the same. You can visit the branch and transfer funds, withdraw money, and check the balance.
First you need to block the card via online portal or SMS. Then you should report unauthorised transactions to your bank within 3 days under RBI norms. Then you should dial the National Cyber Crime Helpline at 1930 or log on to cybercrime.gov.in.
