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How to Block ATM Card?

by akash
How to Block ATM Card?

How to Block ATM Card: ATM cards or debit cards are one of the amazing things that we can see in the banking system. Since they have been introduced they are saving a lot of time of the people banking around the world. We can say that they have brought a revolution in the banking sector and without these cards, the banking might not be so easy as it is. Before these cards were introduced the scenario was completely different.

Just to withdraw the money from our bank account we had to go to the branch where we hold the bank account. I mean to say our home branch at which we had opened the account and maintain it. Not only visiting the home branch but we had to collect the withdrawal form and fill it accordingly.

The things are not yet over, after that we need to stand in the long queues of the bank and wait for our turn to come. But the days have changed now.

If you want to withdraw the money from your bank account then all you need to do is find an ATM center that is near to you and use your ATM or Debit card.

The things are that simple now.

But during the earlier days, we could use the ATM card only in that ATM center which is owned by our bank. But as the technology improved day by day now we can have access to our money in any ATM machine owned by any of the banks that are operating in India.

Do you think that these cards have only eased the way we withdraw the money from our bank accounts?

If you think so then you are wrong because nowadays you can deposit the money in your bank account 24×7 using the cash deposit machines and your ATM card. You can even make online payments to the merchants from whom you purchase products and services.

And if you are shopping offline in the stores and hate carrying too much solid money in your pockets then the card will help you. All you need to do is make the payment using the POS machine. (Point of Sale Machine)

How the ATM Card Works?

It is very simple to use the ATM card but when you look at the processes which go behind the screen of the machine then they are huge!

Basically, every ATM card which is issued by the bank is a unique one. Because just like we have a name for each of us the card has it too.

The card will be having its own 16 digit number, 4 digit pin number, CVV or Security code, expiration date. Let me explain to you these things before we proceed to the further part of this article and check out how to block ATM Card.

Front Side of ATM Card

How to Block ATM Card?

Parts of an ATM Card (Front Side)

  1. Bank Branding: The name of your bank will be mentioned in this part. For example, if you are a customer of State Bank of India, then you can see their logo or name written here.
  2. Card Number: The 16 Digits card number will be mentioned here.
  3. Cardholder’s Name: The name of the cardholder is nothing but the name of the account holder to which the card has been issued by the bank.
  4. Smart Chip: This chip can be seen in the latest ATM cards, all the details of the account and the card will be encoded in this card. It works just like the phone SIM card.
  5. Expiration Date: This is the date till which the ATM card is valid. After this date, the card will not be functioning.
  6. Payment Network: This is the name of the payment network.
Note: There are various payment networks like VISA, MasterCard, RuPay, Discover, Mastero etc.

Back Side of the ATM card

These are the 6 things which can be found on the front side of the ATM Card. We will be having few things at the back side too which are mentioned below.

Parts of an ATM Card

Parts of an ATM Card (Back Side)

  1. Magnetic Strip: This is the main part of the ATM Card and each and every detail about your card will be encoded in this magnetic strip.
  2. Hologram: This is a special hologram which will be added by your bank.
  3. Bank Contact Info: The phone number, email address and the website details of your bank will be mentioned.
  4. Signature Area: The cardholder has to sign in this place to make it valid.
  5. Security Code: This is a security detail which should be kept confidential and should not be shared with anyone.
  6. Network Logo: The logo of the payment network will be mentioned in this place.
How Magnetic Strip of ATM Card Works?
The Magnetic Strip of the ATM Card will be having details encoded such as,

  • Your 16 Digits ATM Card number.
  • CVV or Security Number.
  • Your Bank Account Details. (Account Number, Bank Details etc.)
  • Payment Network Details.

When the ATM card is inserted in the ATM machine the first process that takes place is the magnetic strip is read by the ATM machine.

The PIN Number will be already encoded in the magnetic strip so the machine will ask you to enter it for authentication purpose.

When you enter the correct PIN Number the ATM machine will contact the bank’s system to access your bank balance etc.

There will be a huge interbank network through which the machine can communicate with the bank. If your bank is not a part of the interbank network then you won’t be able to use your ATM card in the machines of the other banks.

But these days almost all the banks which issue the cards to their customers are the part of the interbank payment networks.

This is how the magnetic strip on the ATM card works.

If you wish to watch a Video on how it works you can do it below.

This was all about the ATM Card and the parts which we can see on the card. But what if you have lost your ATM card somewhere? How safe it is and how safe is your money which is in your bank account?

How Safe is ATM Card When Lost?

There is no doubt that these cards are life savers many times, when we are in urgent need of money then we can immediately find a center and withdraw the money.

But what if you have lost it somewhere? Is it safe for you and your money?

The answer is NO! it is not at all safe to when you lose your card somewhere. If you the card goes into wrong hands then the complete money which you have in your bank account will be at stake.

What to Do When You Have Lost your ATM Card?

If you lost your ATM Card somewhere then you should immediately contact your bank and ask them to block the card.

Once the card will be blocked by the bank no further transactions can be made using the card.

And when the future transactions will be blocked no money from your bank account can be touched by the unauthorized person.

So now we know what one should do when they have lost their card, then need to contact their bank and tell them to block it. But how can someone get their card blocked? I will tell you how to block ATM Card in this article of mine.

I will be telling you the procedure which you can follow to block ATM Card of all the major banks that are operating in India. However, the process will not take much time but you should do it as soon as possible. There are multiple methods by which you can block ATM Card and they are mentioned below.

Which are the Different Methods to Block ATM Card?
The different methods are mentioned below,

  • Online Using the Internet Banking.
  • Sending SMS from the Registered Mobile Number.
  • Visiting the Home Branch.
  • And By Calling the Customer Care of the Bank.

How to Block ATM Card?

Now let us check out how you can block ATM Card of different banks which are operating in India.

Note: If you want to block ATM Card using the internet banking method then you should have activated it before.

If you have not yet activated internet banking for your bank account. Then I would recommend you to block it using the other method.

Because it will take time for you to activate internet banking and then block the card.

Note: If you want to block ATM Card by sending SMS to the bank then you have to make sure that you send it from the registered mobile number only.

If you send it from any other mobile number then the bank’s system will not process your request.

How to Block SBI ATM Card?

How to Block SBI ATM Card?

State Bank of India

If you are a State Bank of India customer then you can block your card by following the mentioned procedure.

Internet Banking:

  1. Visit www.onlinesbi.com which is the official website of the State Bank of India.
  2. Enter your Internet Banking username and password and click on login.
    State Bank of India Internet Banking
  3. Once you login into your account click on e-services.
  4. Click on ATM Card Services.
  5. Click on Block ATM Card.
  6. Select the card which you want to block and follow the on-screen instructions.

Calling the Customer Care of the Bank:

  1. Call State Bank of India on their toll-free number: 1800112211.
  2. Get yourself connected to talk with the customer care executive using the IVR.
  3. Tell them that you have lost your ATM Card and want to block the same.
  4. They will ask you few details about your account for security reasons.
  5. Provide them the 16 digits card number and they will block it.

Sending SMS to Block the Card:

SMS to 567676

  1. Type BLOCK<Space>Last 4 Digits of your Card.
  2. And Send it to 567676.
  3. The card will be immediately blocked by the bank.

Visiting the Home Branch:

  1. Go to the branch where you hold and operate your bank account.
  2. Tell the bank officials that you have lost your card.
  3. They will ask you to verify that it is your bank account and block the lost card.
How to Block Canara Bank ATM Card?

How to Block Canara Bank ATM Card?

Canara Bank ATM Card

Calling the Customer Care of the Bank:

  1. You can call the customer care of the Canara Bank on their toll-free number: 1800 425 0018.
  2. Use the IVR and get your call connected to the customer care executive.
  3. Tell the customer care executive that you want to block the card that you have lost.
  4. Provide them the details of your lost card and they will block it.

Sending SMS to Block the Card:

  1. Type CAN<Space>HOTLISTDC<Space>Card Number
  2. and Send it to 9266623333.
  3. You have to enter the 16 Digits of your card in the SMS.

Visiting the Home Branch:

  1. Go to your home branch.
  2. Talk to the bank officials and tell them that you have lost your card.
  3. Provide the details of your debit card and they will help you to block it.
How to Block Bank of Baroda ATM Card?

How to Block Bank of Baroda ATM Card?

Bank of Baroda ATM Card

Internet Banking:

  1. Go to the official website of Bank of Baroda and login to your internet banking account.
  2. Once you login click on ATM/Debit cards from the internet banking interface.
  3. Select the card that you want to block and follow the on-screen instructions.

Calling the Customer Care of the Bank:

  1. Call the toll-free number of BOB: 1800 425 0018.
  2. Now use the IVR options to connect with the executive to talk with them.
  3. Tell them you want to block your card.
  4. Give them your ATM Card details and they will block it.

Visiting the Home Branch:

  1. Visit your Bank of Baroda home branch.
  2. Tell them that you have lost your ATM Card and want to block it.
  3. The details of your card should be provided to the bank officials.
  4. They will help you permanently block the card that you have lost.
How to Block Union Bank of India ATM Card?

How to Block Union Bank of India ATM Card?

Union Bank of India ATM Card

Calling the Customer Care of the Bank:

  1. The bank provides us a toll-free number to hotlist the debit card and that is 1800 22 2244.
  2. The account holder has to use the IVR options to connect to the real humans to speak with.
  3. Tell them that you have lost your card.
  4. They will ask you few things like your name, address, DOB etc. for verification purpose.
  5. Provide the correct information because it is for verification purpose.
  6. When you give them the correct information they will immediately block the card.

Visiting the Home Branch:

  1. Visit the home branch of Union Bank of India where you had opened the bank account.
  2. While going to the branch make sure you have all the details with you like your account number, debit card number etc.
  3. Tell the branch officials that you have lost your card and give them your card number.
  4. They will guide you further to block the card.

Sending SMS to Block the Card:

  1. Type UBLOCK<Space>Last 4 Digits of your Card
  2. and Send it to 09223008486
How to Block United Bank of India ATM Card?

How to Block United Bank of India ATM Card?

United Bank of India ATM Card

Internet Banking:

  1. Go to the official website of the bank.
  2. Select Retail User option of the internet banking portal.
  3. Enter your details and login to your account.
  4. Select the card blocking option.
  5. Select the card which you want to block.

Calling the Customer Care of the Bank:

  1. Call the bank on their number which is toll-free: 1800-345-0345.
  2. Get your call connected to speak to the executive of the bank.
  3. Tell them your card details and also mention that you have lost it.
  4. They may ask you to verify the ownership of the account.
  5. And the card will be blocked.

Visiting the Home Branch:

  1. Visit the branch in which you have your bank account.
  2. Carry your bank passbook for more convenience in providing your bank account details.
  3. The card number will not be mentioned in the passbook but you have to provide it to the bank.
  4. Tell them that you have lost the card and want to block it.
How to Block PNB ATM Card?

How to Block Punjab National Bank ATM Card?

Punjab National Bank

Internet Banking:

  1. Visit the official website of Punjab National Bank.
  2. Enter your Internet banking details and login to your bank account.
  3. Under Emergency Services select hotlisting.
  4. Select the card and hotlist it.

Calling the Customer Care of the Bank:

  1. Call PNB customer care on their toll-free number: 1800 180 2222.
  2. Tell the customer care person that you have lost your card.
  3. They will ask you few details about your account.
  4. Provide them the details and they will block the card.

Visiting the Home Branch:

  1. Visit your PNB home branch.
  2. Tell the bank officials about your lost ATM Card.
  3. They will help you out to block the card.
How to Block Syndicate Bank ATM Card?

How to Block Syndicate Bank ATM Card?

Syndicate Bank

Calling the Customer Care of the Bank:

  1. Call the Syndicate Bank on their toll-free number: 18004250585.
  2. Tell the customer care person that you want to block the card.
  3. Provide the details which they will ask you and the card will be blocked.

Visiting the Home Branch:

  1. Visit your home branch of Syndicate Bank.
  2. Tell them that you have lost your card.
  3. The bank officials will guide you to block the card.
How to Get New ATM Card?
Now you have blocked your ATM Card but how can you get a new one?

You can apply for a new ATM Card using the below-mentioned methods,

  • Using the Internet Banking to Apply for New ATM Card.
  • Calling the Customer care to apply for new card.
  • Fill the new ATM Card form by visiting the home branch.

Conclusion

So this is how you can block ATM Card, I hope you are clear with all the details and the information that is mentioned in this guide. If you have any doubts in your mind then you can comment below.

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