Blocking of our ATM card can often happen due to several reasons.

  • An ATM card can get blocked on its own or
  • The user of the ATM card might have placed the request for blocking it with their bank’s customer care due to some suspicious call or SMS.
  • Under such circumstances, there are always ways to unlock or unblock the card to restore its regular use.
  • Here are listed ways you can take on to, to restore the normal functioning of the card i.e. for both carrying out merchant payments or cash withdrawals at ATM kiosks.
SNO Instances Reason
1 Automatic unblock To prevent misuse, in cases where ATM PIN has been entered wrongly in three continuous attempts, ATM gets blocked. But such an ATM card is automatically unblocked after 24hours and then you can use it in a regular way.
2 Place an application with the bank for unblocking your card When the card is blocked for security reasons or due to your negligence, you can get the same unblocked by writing an application for the same to your nearest bank branch. On visiting the bank for the purpose, you also need to produce your valid ID proof for verification. The bank then processes your request in 48 hrs to maximum 5 working days.
3 When the card is blocked due to card expiry In a case when the ATM card gets blocked due to expiry as each ATM card comes with a validity of some 3-5 years, you need to visit your bank branch and place the request for a new card. The bank then sends over the new card in a matter of 5-7 working days after receiving the application
4 Case where the card is blocked permanently There can also be a case where you fearing fraudulent transaction on your card get your card blocked permanently and in such a situation you have no option other than getting a new ATM card. And the bank will deliver the card in 5-7 working days.

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