How to block and restore a Sberbank card: what to do in case of loss or theft. What to do if you lost your bank card? Recovery, possible risks Declaration of loss of the card
Banking institutions foresee various situations in which their customers may find themselves, and therefore create instructions for action for each of the possible cases. This article describes the procedure for losing a Sberbank card.
What to do if you lose a Sberbank card?
The loss of a plastic card is a general concept, which should also mean a possible theft. In this situation, you need to respond quickly, especially if money is stored on the lost card. At the very beginning you need to carry out (regardless of the situation). Blocking will make it impossible to commit. If it was a “false alarm” and the card just remained at work, in another bag, wallet, etc., then it can be reactivated and continue to be used.If the card is lost, you should contact the Sberbank branch and apply for blocking. Money stored on a blocked account will be available for financial transactions, but only in an institution upon presentation of a passport. If there was on the card, it will be restored automatically.
Contacting the bank to apply for a card reissue
After filling out an application for the loss of a Sberbank card, you need to decide on further actions:- in case of loss of the card, change of personal data, loss of PIN code: 150 rubles.
- another procedure for reissuing a card: no commission;
- early card reissue procedure: no commission;
- in case of loss of the card, change of personal data, loss of PIN code: 30 rubles.
- another procedure for reissuing a card: no commission;
- early card reissue procedure: no commission;
- the next procedure for re-issuing a card: not carried out;
- early card re-issuance procedure: not carried out;
- in case of loss of the card, change of personal data, loss of the PIN code: not carried out.
- another procedure for reissuing a card: no commission;
- early card reissue procedure: no commission;
- in case of loss of the card, change of personal data, loss of PIN code: no commission.
Loss of salary or credit cards of Sberbank
In case of loss of a credit card, the issue is resolved with a personal appeal to the branch of Sberbank. For the period of making a new plastic card, the client is allowed to use borrowed funds in the form of cash. To do this, you need to contact the bank and withdraw the entire amount of the loan or a certain part of it.If a credit card is lost, both the cash balance and the debt on it are preserved. If during this time it is necessary to make a payment on a loan, the money is credited to the account with the help of a bank employee. A new credit card will be available in 14-30 days.
In case of theft or loss of a Sberbank plastic card intended for transferring salaries, the instructions above should be used. The algorithm of actions is absolutely similar, with the only exception: it is necessary to indicate that the card is a salary card. If possible, employees will offer to apply for a salary for a given month through their company.
If a plastic card is ordered from Sberbank for the first time, then after, it is advisable to connect the service. This service will help to keep under control, as well as carry out additional financial transactions without visiting a branch of Sberbank.
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.
What does "lost bank card" mean?
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:
- she could get lost at home;
- it could be stolen by an intruder;
- discovered missing after leaving the store or from another crowded place.
If you lost a Sberbank card in an apartment
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 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.
Loss of a Sberbank card in a public place or in a store
If a salary card is found missing (or a credit card is lost) 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 a high level of protection, the safety of funds is guaranteed only if the secret data of the owner is not available to third parties.
Theft
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 due to 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.
What to do if you lose a Sberbank card - step by step instructions
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 for 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.
How to block a Sberbank card in case of loss
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 use of personal data of a client who has lost access to a plastic payment instrument, the bank provides several options for blocking:
- by phone (call a hotline or send a message);
- via the Internet;
- contacting the bank.
By phone hotline
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.
On the Internet in Sberbank-online
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 a personal account. For this you need:
- Log in to the system.
- Select the type, level of bank card (Visa, Mastercard) and account number to be blocked.
- Select the operation mode.
- Click on the "block" link.
- Fill out the application form that opens.
- Confirm the actions taken.
At a bank branch
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.
By SMS to number 900
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". After this word, the last 4 digits of the account to be blocked and the reason identifier (0 - loss, 1 - theft) are indicated. After sending a message to the short number 900, access to the account is automatically blocked.
How to restore a Sberbank card
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 holder of an annual service card and it is about to expire, it is likely that it has already been issued - 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:
- Filing an application for the loss of the established sample.
- The procedure for obtaining a new card after its re-issuance.
Making an application
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.
Card reissue
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.
How much does it cost to restore a Sberbank card for loss
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. The cost of reissuing a debit card due to a loss ranges from 30 to 300 rubles, where the minimum commission is the standard entry-level type, and the maximum is the nominal or privileged type. 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.
Is there a fine for losing a Sberbank card?
The loss of a 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 the complete safety of customers' funds) and this operation costs 1,500 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.
Can I withdraw money from a lost card?
The process of reissuing a lost card can take several weeks, so in order to cash out the available balance from the lost card, you should contact the bank office where the issue was made. You don't have to wait long to get your money. The algorithm of actions is as follows.
No matter how attentive and careful a person is, unforeseen situations are always possible when he can lose a bank card. Therefore, special instructions have been developed for customers at Sberbank in case of loss of a card: what to do, where to call, how to get a new plastic. You can learn about this from our article.
One of the most unpleasant situations in life is the loss of a wallet with money cards The loss of a Sberbank bank card is fraught with the fact that an outsider can get it and use it to withdraw or transfer funds. In order not to lose your savings, you need to clearly understand how to act correctly in such a situation.
Card blocking
In any case, the first thing to do is to block the payment instrument. Such a precautionary measure will limit access to fraudsters. If there is a possibility that the card has been forgotten somewhere, you should look for it. If it is found, you will need to visit the department along with it and the documents, where you can activate (unlock).
If the card is lost, immediately block it If the plastic is still not found, you need to go to the department and fill out an application for loss. At the same time, the client's account will be available to him to conduct transactions or receive cash, but only directly at the branch with identity documents.
Card reissue
The next stage after notification of the loss of a Sberbank card, what the client chooses to do:
- Order a new product of a similar format, which will be linked to this account.
- Order a product of a different type with reference to an existing account.
- Refuse bank services by closing the account and withdrawing the balance.
Having chosen an option, you need to write a statement in which you note the necessary parameters of the new product. On average, it takes about 2 weeks to issue it. If you want to make payments, transfers or withdraw money during this period, you will only need to contact the bank's cash desk.
There are several ways to block a lost product. One of the more popular and faster is a phone call. There are several options in Sberbank when you lose your card where to call:
- Valid for all mobile operators, free of charge within the limits of domestic roaming.
- . For fixed and mobile phones - free of charge.
- 7 495 500 55 50. For applications from abroad. Payment is assigned by the operator that provides communication.
In any case, when you call the Contact Center, you must use the keys to select the blocking service using the prompts of the autoinformer. It is also acceptable to call the operator and ask him to perform this action.
To block use ussd commands - BLOCKING You can report the loss of the card to Sberbank and block it yourself in the following ways:
- SMS message. Need to write command word LOCK, after the space, enter the last characters from the card number and put the number 0. This informs the bank about the reason for the blocking - the loss. In addition to the above word, it is permissible to use Latin variants (BLOKIROVKA, BLOCK) or numbers: 03. Send. If the client has only one plastic, the numbers from the number are not required to be entered.
- Online banking. Having visited the service, you need to go to the card account and click on the option "additional card transactions". The last menu item will be Blocking. By clicking on the action, the client enters the short application form, where it is necessary to fill in the columns: Plastic number and Surname (to be specified by default), Reason for blocking (you must select from the list - lost). After that, it remains to confirm your wish with an SMS code, as with any actions on the network.
If the product is lost - Through a command to number 900, we block it 
Send verification code in response 
The bank sends confirmation that the blocking procedure has taken place After blocking, it is recommended to check the balance and recent transactions to make sure that the attackers did not have time to use the plastic. For this you can use . If you detect a withdrawal or transfer of money, you must write a statement to the police and inform the bank of the transaction number. In the department, you must additionally write a statement of disagreement with such an operation. This must be done quickly (up to 30 days).
Penalty for losing a card
The issuing bank does not introduce such a thing as a "Penalty", it takes money for product re-release. It is worth distinguishing between regular and early reissues, as well as applicable in case of loss of the payment instrument. The amount depends on its type. Let's look at the main options.
Additional information for credit and salary cards
Losing a credit card is even worse. The client may require borrowed funds when paying at retail outlets. Therefore, he can at the branch request the amount available for the loan in cash in order to be able to use them until a new plastic is made. Or remove only some of the part that he will need in the near future.
Current debts and the existing balance will be kept in the account. Debt repayment occurs according to the same principle and taking into account the interest-free period, as with the use of plastic. You will need to pay cash through the cashier.
If the Sberbank salary card is lost, the client must proceed as described above. The only exception: in the application for issuance, it should be noted that the product is intended to receive wages and it may be possible to do this not at the bank office, but in your organization.
The video provides information on what rules must be followed to use the product safely.
Conclusion
It is not always possible to avoid an unpleasant life situation. But it is important for all product holders to know the most important rule - always block the lost plastic first. This is a guarantee of the safety of your money.
If you are sure that your credit card is not lying somewhere at home on the bedside table, then the first thing to do is call the Bank's Help Desk and block the credit card. The telephone numbers of the Help Desk are indicated in the contract, as well as at any ATM or on the bank's website.
On business! To find out the procedure for blocking a card in your bank, go to the "Help" section, then you need to select your bank. The bank statement has detailed instructions.
You will be asked a few questions that will help the bank employee to understand that you are really you. Be prepared to be asked to provide control information - the code word that you indicated when opening a card account.
In some banks (for example, Sberbank), you can send an SMS message about the loss of a card using the Mobile Bank. Also, in a number of credit institutions, it is possible to block the card directly on their official website.
Usually, any verbal appeal of the cardholder must be supported by a written statement of the loss . Usually you need to come to the bank branch within two to three days after the blocking call. In some banks, such an application is allowed to be submitted by fax, in which case it will be necessary to indicate not only the full name, phone number and date of birth, but also the place where the credit card was received, its type and currency.
If you have lost your passport along with the card, then the application can be submitted upon presentation of a driver's license or other identification card that has your photo on it.
After sending a blocking message through the Mobile Bank, it is often not necessary to issue a written application (but it is better to check with the employees of a particular bank).
How to restore a card?
When you come to the bank to file an application for the loss of the card, you will immediately leave an application for reissuing the card. If you are far from the city in which you received a credit card, you can contact any nearby branch of a particular bank. Employees of this branch will send your application to the unit that issued the card. Do not forget to indicate exactly where you want to receive a new card - at the branch where you applied or in your city.
For early reissue of the card, a fee is usually taken (from 30 to 200 rubles), it can be debited from the account or paid in cash.
The term for issuing a new card in all banks is different, but most often you will have to wait from two days to two weeks. The card account number will remain the same, but the card number and PIN code, as a rule, will be different.
Can I withdraw money if the card is lost?
You have the right to demand to withdraw money from the lost card - usually credit institutions meet the needs of customers and will not refuse. To do this, you need to contact the bank with a passport and, in addition to an application for reissuing a card, write one more thing - about issuing cash from a card account.
- Never leave a card in plain sight;
- Do not store your card and PIN together;
- In no case (!) write the PIN code directly on the card;
- In advance, write down the phone number of the Bank's Assistance Service in the phone book (just in case);
- When withdrawing money from an ATM or paying for purchases with a card, cover the keyboard with your hand when entering the PIN code.
P.S. You will find detailed instructions on how to block the card of the bank you are interested in.
Even the most attentive bank customer can lose a card. This situation more often brings discomfort than frustration - you will have to pay in cash, and also contact the bank for recovery. But, with the loss or theft of plastic, you can lose finances - unscrupulous citizens can pay with them online. So, what to do if the Sberbank card is gone, and how is it restored?
What to do if the card is lost?
If you searched for it in all bags, pockets, in desktop drawers and under the car seat, the card must be blocked. It is better to be safe than to lose money in your accounts. You can activate it at any time, in case you find it lost.
Apply to the bank to block the plastic. The money will remain intact: an online bank is also available, and if you have a passport, you can withdraw cash at any branch. Thank you bonuses are also saved.
Options for further action:
- An application is being submitted for reissuing a card with a link to the old account
- Choosing another payment system (changing VISA to MasterCard or vice versa)
- Choice of another product (issue a "Gold" card instead of a "Youth" card)
- Withdrawing funds from accounts and closing an agreement with a financial institution
In any case, you cannot receive a new card on the same day. If its presence is simply necessary, you can take the nameless Momentum while waiting.
Blocking methods
You can block a card in several ways:
- Contacting any branch - if you have a passport, the consultant will block the account on the spot
- Call to a free hotline 8-800-555-5550 (works within the Russian Federation)
- Call to technical support 7-495-500-5550 (for those who are roaming)
- SMS message with the text "Block" or "Blokirovka" to number 900 (if there are several cards, enter the last 4 digits separated by a space)
- On the Sberbank Online website by logging in to your personal account. Go to the menu "Additional operations", then - "Lock". The system will ask the reason for the action and ask you to confirm the operation with a code from SMS.
After you have completed one of the above steps, request a statement of your most recent transactions. The fraudster who used your card will answer in all severity: we write a statement to the police and a notice to the bank about the cancellation of the operation. You only have a month to do it. You will not be able to cancel the payment later.
How to restore a card?
When restoring, many customers are concerned about the question: “Will there be a penalty for the loss?”. The answer is no. Sberbank does not take money for the loss of plastic.
However, you will need a certain amount to create a new card. You will have to re-select a banking product and payment system. The cost varies - its own for each card is indicated on the site.
If a credit card is lost, the balance and debt are retained. Even if it is not provided by the package, you can withdraw cash at the checkout. Payments will also have to be made through the operator. Plastic is restored in 2-4 weeks after the application is submitted.
Online card recovery
To apply, you do not need to go to the bank - you can just go to the site and click a few buttons.
- We go to Sberbank Online
- Section "Maps"
- Item "Reissue card"
- Specify the reason for the restoration
- Confirmation of the operation with a code from SMS
You will have to wait 14 days, pick up at the branch that services your accounts.
Loss is considered an early reissue of the card - this is a paid procedure. Debit cards cost 60 rubles, credit cards cost 150 rubles, and VIP cards (for example, Platinum) are restored free of charge.
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