Who would have thought that every ordinary inhabitant of the planet would like this ordinary piece of plastic? Until recently, they could only spend cash, but today they have access to remote payment options, online purchases, and much more. Still, it’s so convenient - instead of a large number of small coins and protruding bills, take a thin bank plastic with you. But, despite all the visible amenities, this tool can sometimes fail. For example, the cause of discomfort may be an unexpected lock on the part of the bank. What to do in such a situation? And how to withdraw money from a blocked Sberbank card?
Card Reissue Version
The reason for blocking the card may lie in the banal expiration of its validity. Therefore, the only right decision in this situation would be to contact the bank with a further reissue of plastic.
To do this, you need to take a passport, a card and go with them to the nearest branch of Sberbank. There you will need to write an application for a new card with reference to an existing but temporarily frozen account. After the release of a new card, it remains only to activate it using an ATM and receive money that was previously not available to you. So if Sberbank has blocked the card, you can withdraw money after reissuing it through an ATM.
Option to receive money at the checkout
The answer to the question of how to act in case of blocking the account will directly depend on each specific case and the reason for the suspension of payments. For example, a bank can freeze your account by absurd accident. There are situations when, after the dismissal of an employee, the card was blocked, but the money was transferred to the account. As a result, the blocked credit card of Sberbank did not allow to withdraw money using an ATM.
In such situations, plastic holders had to come to the bank branch and after writing the application, as well as settling all the formalities, receive cash through the cashier. In a similar scenario, money is issued when a card is lost. The answer to the question will be exactly the same: "How to withdraw money from a blocked Sberbank card (expired) if there is no desire to reissue a new one?" However, in this case, you will have to write a statement to close the account. Yes, and the issuance of cash, based on the formalities and rules of each credit institution, may be delayed (up to 45 days).
How to withdraw money from a blocked Sberbank card if you make a mistake with the PIN code?
It also happens that when you try to withdraw money from an ATM, you mistakenly dial the wrong combination of numbers. Moreover, in some banks, only one attempt is supposed to introduce the correct PIN. Most financial institutions provide up to three attempts. When all available attempts have been used up, but the PIN code number has not been entered correctly, the automatic protection of the card is activated and it is blocked. This is done in case the attackers suddenly seized your credit card. How to withdraw money from a blocked Sberbank card in such a situation?
The only right option would be to call the hotline at the bank. There you can describe the situation, answer the security questions for your identification and ask for the card to be unlocked. But this will only work when you still remember your code.
As a rule, the unlocking process takes about 20-45 minutes (depends on the speed of information processing, the degree of verification and bank policy). You will be notified of the opening of access via a call to a mobile or sent SMS. And then it remains only to enter the correct code and withdraw cash. But how to withdraw money from a blocked Sberbank card in another region? We will talk about this below.
How to cash money while in another region?
It happens that blocking a card takes its owner by surprise. For example, if he traveled far beyond the borders of his region. What to do in this case? And how to withdraw money from a blocked Sberbank card without a passport? In this case, it would be good to turn to the personal account of the Internet bank or mobile bank. In this case, you can transfer money from a blocked card to another account opened by you or relatives. And after that they can be easily cashed.
If you lost your card while being in another region, then the process of cashing in money will be somewhat delayed. In particular, in order to receive money you will have to return to your city and come to the department with your passport where the card was previously opened. Moreover, you can only cash out money after reissuing a previous credit card.
If your blocked card is a debit card, then to reissue it is enough to come to any branch of Sberbank in the region where you are with a passport. It remains only to write a statement and wait for the day when a card will be sent from the branch of your region to the city where you are currently located. Here's how to withdraw money from a blocked Sberbank card after settling all the details.
Attention! In case of blocking the card, bank employees can get access to your account. This means that it will be possible to withdraw money in any branch of Sberbank according to the passport and even without presenting bank plastic.
When is a card blocked at the initiative of the bank?
Sometimes a card may be blocked at the initiative of the financial institution itself. This occurs in the following cases:
- when the client went abroad and did not inform the bank about this;
- when the cardholder tried to withdraw an amount far exceeding the established limit;
- when trying to perform an operation for a dubious amount;
- due to arrears.
What can be a problem when withdrawing cash?
Sometimes there may be problems with issuing money from a blocked card. This is due not only to the uncoordinated actions of the bank's representatives, but also to their poor knowledge of certain issues. For example, there are cases when a client could not cash out money from a damaged card opened in another region. The problem was that the Momentum cards were not re-issued at that time. In such situations, representatives of the bank, as a rule, advise you to return to the city where the account was opened and contact your branch.
How to fix the problem of Sberbank?
However, according to the rules of Sberbank, such clients can be served in any branches of a credit organization without a card, but with a passport. For the same reason, representatives of Sberbank monitor such situations and respond quickly. As a result, such customers receive their money, but with a slight delay. According to the bank’s employees themselves, in order to avoid such unpleasant moments, the organization’s representatives often organize various trainings, seminars and in every possible way promote staff development and training.