Plastic cards for many have become a daily use, and casual loss or theft is a real stress, comparable to the loss of money or documents. However, in the case of a map, things can not be so bad.

Efficiency.

Regardless, a debit or credit card you lost, the first thing to do is block. Here to help the nearest branch of your bank, mobile application or Internet banking.

"The fastest way is to call the hotline of the bank. We recommend that you keep the phone number in your mobile contacts so you do not waste time searching for which money can be withdrawn, - advise the press service of UKRSIBBANK BNP Paribas Group. - After the call and identification of his client, the bank employee immediately blocks the payment card ".

Lawyers emphasize: the caller should remember the data of the bank employee or the time of the call - in case of disputes regarding the blocking and return of the missing funds.

Reissue.

Next, the holder of the missing card has two options: to receive money that was on the card, at the bank's checkout (you need a passport) or ask to reissue a new card instead of lost (you can do it without visiting the office) - then, after its release, the funds in the account Can be removed already with a new card. "When the new card is ready, the customer will receive SMS from the bank," the press service added..

If there is no money.

If operations on the card have been performed, which the client does not confirm or does not recognize, you need to promptly notify the bank about it by writing an appropriate application. Each application is considered by the bank's employees individually, and each is checked. The decision on the return of funds is made, guided by the laws of Ukraine, the NBU regulations, the rules of international payment systems Visa Inc. And Mastercard Europe, lawyers explain.

"The bank, at every refusal of the client from the conducted operation, conducts an internal service investigation (studying video from the ATM cameras, the location where the money was filed, and much more), after which a decision is made to compensate the client. If it is proved that the operation was conducted by fraudsters - the damage is compensated by the bank in full. But if the data got to the scams due to the client's fault, the bank does not compensate for anything, because when issuing a payment card the client signs the contract and undertakes not to disclose confidential information, "said Irina Solomenko, head of the security department of the transfer channels and payment cards of" Ukrsotsbank ".

The banks are advised to set a daily limit on withdrawal / settlement: this will protect the client from losing the entire amount available, even if the card is still owned by intruders.