Person reporting a stolen credit card to their bank

If your card has been stolen, it's recommended that you follow these steps:

  • First, call your card's bank and close your card with a Stolen status.
  • Check the transactions made with your card to see if there are any you don't recognize. If there is an unauthorized transaction, report your objection to your bank.
  • If you had previously set up automatic payment instructions on your card (bill payments, insurance payments, etc.), they will not be able to be charged since your card is closed. Update them with your new card's information.

What is the fastest way to close my card?

Most banks let you close a card instantly through their mobile app or internet banking. This option can be faster than calling the call center. If you only think you've lost your card and there's a chance you might find it, some banks let you temporarily suspend the card instead of closing it completely. If you're sure the card was stolen, it should be permanently closed with a "stolen" status.

Am I responsible for transactions made before I report it?

Under Law No. 5464 on Bank Cards and Credit Cards, the cardholder's liability for unauthorized transactions made within the 24 hours before reporting the card lost or stolen is limited to a specific amount. This limit does not apply if the cardholder was grossly negligent or acted with intent. The cardholder is not held liable for transactions made after the report. For this reason, it's important to report the loss or theft without delay.

Contactless transactions and stored cards

With contactless-enabled cards, transactions below the PIN-free limit can be made without entering a PIN. For this reason, a stolen contactless card can be used for small amounts until it is reported. Also, if you have your card stored on shopping sites or mobile apps, you need to update these records once your new card arrives.

If your wallet was also stolen

If your ID was stolen along with your card, it's recommended that you apply to the nearest police station or prosecutor's office to protect against misuse of your identity.