What to do if the ATM does not give your card

Step by step instructions on return of bank card, which for one reason or another remained inside the ATM.

If you insert a card into the ATM machine in the hope withdraw their money or to top up the account, but instead he just ate it and choked it's very disappointing, but solved. We just need to know how to act in such a situation.

Why not return the ATM card

The reasons may be very different from quite compelling (protection of your money) to the banal software failures and mechanical faults. ATM does not return your card if:

• you repeatedly entered the wrong PIN code;
• you have tried to take advantage of the delayed or blocked cards;
• card is demagnetized or mechanical damage;
• you're trying to hold a suspect from the point of view of the ATM transaction - for example, to remove all funds from the account;
• you do not take the card after the time specified on the ATM screen;
• ATM frozen or broken.

In the latter case, the ATM or completely cease to show signs of life, or the display shows a service message about the failure in operation or technical failure. If the ATM machine swallowed the card and displays a standard invitation to service the next customer, this means that your card is delayed, not just stuck.

In such circumstances, most of the ATMs to issue a check, in which detention code Set card. Do not throw it, it will come in handy when you make a request for a refund. If the ATM does not issue you a check, do not worry. The absence of a check is not a reason for refusal to return the card.

What to do first and what not to do in any case

The first thing to try - it forced the cancellation operation. Press and hold the "Cancel" button for a few seconds. Sometimes it helps, and ATM returns the card.

In any case, do not leave the ATM in the next 20 minutes because if it is floating, it may after some time and "otvisnut".

What exactly is not necessary to do is knock on ATM and kicking. At best, nothing will happen. At worst, your behavior will attract attention to the protection and you add yourself trouble.

If the ATM has not returned your card will have to call the bank that owns the ATM. On the device itself, as a rule, there is a bank name and a contact phone number where you explain what to do next. If the ATM is in the bank building, contact the staff: maybe you're lucky and it will be enough to just write for a refund and await collection. Everything depends on the internal rules of the bank.

If the card is jammed ATM of your bank

If an incident occurred with the bank's ATM, which gave you a map, the return procedure is simple, though, and will take some time. Here's what you need to do.

1. Notify by telephone about the incident, call your data and maps, as well as the need to answer the security question. Bank employee tells you where and what documents you need to apply for registration of application for refund cards.
2. Lock the card. This is optional, but recommended step, especially if the card has disappeared due to a malfunction of the ATM. So you are sure that your money will not take advantage outsider.
3. Learn what it takes to issue an additional card. In many cases it is faster than returning swallowed cards.

If the card is not returned the ATM of another bank

If the card is still in the ATM-party bank, will have to communicate with him too. In this case, the sequence of actions will be so.

1. The first call bankThat caters to the ATM, and find out how you can return your card.
2. Then, contact the bank that issued your card and report the incident. You may need a confirmation letter from your bank that you will need to provide the bank - the owner of the ATM.
3. Be sure to lock the card.
4. Ask your bank issue of an additional card. In this case it makes sense precisely because the return procedure can be very long. The fact that some banks return the wrong cards in person, but only through the banks that issued them.

How to insure

Record and always carry the contact number of the bank that issued your card, the card number, expiration date of its action and the answer to your secret question.

Avoid using ATMs that do not specify the phone service organization.

It is also possible to avoid using ATMs, standing in the rarely visited places. The fact that the collection of such ATMs carried out once every few days.

You can also pre-order an additional card. In this case, if the main card gets stuck in an ATM, you will still be access to the funds in the account.

Temporary loss of the card does not mean loss of money. Your funds remain in your account and do not disappear on you. Moreover, you can contact the bank with an application for the amount you need.