A lost or stolen ATM card is a financial emergency. Knowing how to block your ATM card immediately is the most critical step to protect your funds from fraudsters. This complete guide provides expert, step-by-step instructions tailored for the Nigerian banking landscape.
We cover every proven method—from instant USSD codes to mobile apps and direct bank contact. You’ll also learn what to do after blocking your card and how to get a replacement quickly from your Nigerian bank. Follow this authoritative guide to secure your account and gain peace of mind.
Requirements / What You Need
Before you begin the process to block your ATM card in Nigeria, gather the following items. Being prepared saves crucial time, especially during a stressful loss or theft.
- Your Phone Number: The number registered with your bank account is essential. Most blocking methods (USSD, mobile app) are tied to it. If your phone was also stolen, you must visit a branch immediately.
- Bank Verification Number (BVN): This is your universal financial identity in Nigeria. You will need it for verification, especially if using USSD or speaking to customer care.
- Account Details: Know your account number. While your card number is helpful, your account number is the primary identifier your bank will use.
- A Means of Communication: A charged phone to dial USSD codes or use your bank’s app. If you have no internet, a cyber café can be used to access internet banking, but ensure security.
- Valid ID for Branch Visit: If going to a branch, take a government-issued ID like your National ID card, International Passport, or Driver’s License.
Important Note: Blocking your card is typically free of charge. However, requesting a replacement card usually costs between ₦1,000 to ₦2,500, depending on your bank. Some banks offer instant card replacement at their ATMs for a fee.
Step-by-Step Process
Step 1: Immediately Assess the Situation and Choose Your Method
First, confirm your card is truly lost or stolen. If you suspect it’s just misplaced at home, search thoroughly first. Once confirmed, decide on the fastest blocking method available to you. USSD is the quickest if you have your registered phone. If your phone is also lost, proceed directly to step 4 (Call Customer Care) or step 5 (Visit a Branch).
Step 2: Block via USSD Code (Fastest Method)
Dial your bank’s specific USSD code from your registered phone number. For example, for Zenith Bank dial *966*911#, for First Bank dial *894*911#, and for GTBank dial *737*51*10#. Follow the on-screen prompts. You will need to input your BVN or account number for verification. Once confirmed, you will receive an SMS confirming the card is blocked. Watch out for network issues; if the transaction fails, try again or use an alternative method.
Step 3: Block via Mobile Banking App or Internet Banking
Log into your bank’s app or internet banking portal. Navigate to the “Card Services” or “Card Management” section. Select the affected card and choose the “Block Card” or “Temporary Block” option. You may need to enter a transaction password or token. This method is effective but requires internet access. Note: If the app logs you out due to “suspicious activity,” don’t panic; it’s a security feature. Proceed to the next step.
Step 4: Call Your Bank’s Customer Care
Call the 24-hour customer care line printed on the back of your bank’s website (e.g., 0700CALLGTB for GTB). You will speak to an agent. Be ready to provide your full name, account number, BVN, and answer security questions. Expect possible hold times, especially during peak hours. Clearly state, “I want to block my ATM card immediately.” Request a reference number for the call for your records.
Step 5: Visit Your Bank Branch (Last Resort)
If other methods fail or you need immediate documentation, visit your bank branch. Go to the customer service desk with a valid ID. Fill out a “Card Blocking Request” or “Dispute Form.” The teller will process it instantly. Be prepared for potential queues. This is the most definitive method and is necessary if you also need to request a replacement card on the spot.
Alternative Methods
Beyond the standard steps, Nigerians have alternative avenues to block an ATM card, useful in specific scenarios. If you are a corporate account holder or your account is managed by your organization’s finance department, immediately inform your account officer. They can initiate an internal block request with the bank, which is often faster due to existing relationships.
For students using dedicated bank accounts (like those for NYSC, JAMB, or university fees), contact the dedicated support line for that scheme or visit the bank branch on campus or at the scheme’s liaison office. For instance, a prospective corps member who loses their NYSC allowance card should contact the bank’s desk at the NYSC state secretariat for targeted assistance.
If you are outside your state of account opening, you can visit any branch of your bank nationwide. Nigerian banks operate a centralized system, so any branch can process your card block request. This is a better option than waiting if you are traveling and need immediate action, though you may need to provide additional verification.
Common Problems and Solutions
Problem: “USSD Code Not Working or Network Issues”
This is frequent with poor network service from your mobile provider or during peak hours. You may get an error message like “Transaction Failed” or “Service Unavailable.”
Solution: First, ensure you have sufficient airtime, as some USSD services require it. Try the code again after 5-10 minutes. If it persists, switch to a different method immediately—call customer care or use the bank’s mobile app if you have data. Do not keep trying the USSD endlessly, as fraudsters could be using the card.
Problem: “My Registered Phone Number is Inactive or Changed”
You cannot receive the OTP or use USSD if the number linked to your account is old or no longer with you.
Solution: You must visit your bank branch with a valid ID to update your phone number records first. This is a separate process from card blocking. After updating, you can then proceed to block the card. Always update your contact details with your bank promptly.
Problem: “Bank App or Internet Banking Portal is Down”
You may encounter error messages, endless loading, or be unable to log in, especially on month-ends or during bank system upgrades.
Solution: This is when you rely on the non-digital methods. Immediately pick up the phone and call the customer care hotline. If the lines are busy, your next and most reliable step is to physically go to the nearest branch of your bank. Explain the situation to a teller; they can block the card from their internal system.
Problem: “Delays in Getting a Replacement Card”
After blocking, you request a new card but are told to “check back next week” repeatedly, leaving you without access to cash.
Solution: When requesting the replacement, ask specifically if the bank offers instant card issuance at selected branches. Many Nigerian banks now have card printers on-site for a fee (₦1,500 – ₦2,500). If not, get a written timeline and a reference number. Use your bank’s mobile app for transfers and bill payments while you wait.
Fees, Costs and Timeline
The act of blocking your ATM card is completely free across all Nigerian banks, whether via USSD, app, phone call, or branch visit. You should never pay any charge for this service.
However, obtaining a replacement card incurs a fee. The official cost typically ranges from ₦1,000 to ₦2,500, depending on your bank and card type (standard, Naira Mastercard, etc.). Some banks offer instant card issuance at major branches for a higher fee (around ₦2,500), printing your card within minutes. The standard processing time for a replacement is 5 to 10 working days for collection at your branch.
Be cautious: No bank agent should request a “processing fee” or “urgent fee” to block your card. This is a scam. Only pay for a replacement card at the bank’s teller and ensure you get an official receipt. Fees are generally uniform nationwide, but confirm with your specific branch.
Warnings and Scams to Avoid
- Beware of “Helpful” Agents Calling You: After losing your card, you might get a call from someone claiming to be from your bank’s “Security Department” asking for your PIN, BVN, or OTP to “block the card.” This is a major scam. Your bank will NEVER ask for your PIN or OTP. Hang up and call the official customer care number yourself.
- Avoid Fake USSD Codes and Links: Do not dial any USSD code sent via SMS or WhatsApp from an unverified source. Fraudsters create codes like *989*… to harvest your details. Only use the official codes from your bank’s website or your debit card.
- Do Not Use Unofficial “Quick Block” Websites or Social Media Pages: Scammers create fake portals mimicking bank sites to steal login credentials. Only use your bank’s verified mobile app, internet banking, or official customer service channels.
- Never Share Your Card Details Publicly: Do not post pictures of your lost card or its details on social media platforms like Twitter or Facebook, even if asking for help. This gives scammers the information they need.
Acceptance, Use and Next Steps
Once you successfully block your ATM card, the action is immediately effective and universally accepted across all channels in Nigeria. This means the card will be declined at every POS terminal, ATM, and online payment gateway nationwide. The block is processed centrally in your bank’s system, so there is no delay across different states or platforms.
Your immediate next step is to monitor your account for any suspicious transactions that may have occurred before the block. Use your mobile banking app or internet banking to check your statement thoroughly. If you spot any unauthorized transactions, immediately report them to your bank in writing at a branch to initiate a dispute process.
Remember, blocking your card only stops that physical piece of plastic. Your bank account itself remains active. You can still perform transactions using your account number for transfers, internet banking, and USSD payments. The primary limitation is your loss of access to physical cash from ATMs until you collect your replacement card. Therefore, plan your cash needs accordingly during this period.
Frequently Asked Questions
Can I temporarily block my ATM card in Nigeria?
Yes, some Nigerian banks offer a “temporary block” or “hotlist” feature via their mobile apps. This suspends the card for a period you set, after which it automatically reactivates. It’s useful if you misplace your card at home. However, if you suspect theft, a permanent block is safer. Check your bank’s app under “Card Services” for this option.
How long does it take for an ATM block to become effective?
The block is effective immediately upon successful confirmation. Once you get the SMS or on-screen confirmation from your USSD, app, or bank agent, any attempt to use the card will be declined. There is no waiting period. The update is instant across the bank’s national network.
I blocked my card but found it later. Can I unblock it?
Generally, no. A standard block in Nigeria is usually permanent for security reasons. You cannot reverse it. If you find the card, you must still apply for a replacement. The old card is permanently deactivated. This is why the temporary block feature is valuable if you only misplace your card.
Will blocking my ATM card also block my account?
No. Blocking your ATM card only disables that specific card. Your bank account remains fully active. You can still receive transfers, make payments online with your account details, and use USSD codes like *737# or *966#. You only lose the ability to withdraw cash via ATM or pay at POS with the blocked card.
Can I block my ATM card without my BVN?
It is very difficult. Your BVN is the primary security identifier. Most USSD codes and customer care agents will require it for verification. If you don’t have it, you will likely need to visit a bank branch with a valid ID. It’s crucial to know and safeguard your BVN for such emergencies.
What is the difference between reporting fraud and just blocking the card?
Blocking the card only stops future transactions. Reporting fraud is an official process where you notify the bank of unauthorized transactions that have already occurred on your account. This must be done in writing at a branch to potentially recover stolen funds, following CBN dispute resolution guidelines.
Disclaimer
This guide is for informational purposes based on standard Nigerian banking procedures. While we strive for accuracy, specific steps, fees, and policies may vary between individual banks and can change. Always confirm critical actions with your financial institution directly using their official contact channels. We are not affiliated with any bank or regulatory body and do not provide personalized financial advice.