There are only two reasons why you may be denied access to a
bank card : suspicion of fraud and cost overruns (most often, credit debt).
Let's understand the nuances of why the Sberbank card is blocked.
Reason One - Suspicion of Fraud
We will not describe the subtleties of fraud, as the algorithm of fraud fraud is constantly changing and improving. The bank is waging war on those who crave easy money, but victory has not yet been won. A simple law-abiding user of a card may be suspected of his own negligence by simply entering a PIN code with an error three times. That's it, Sberbank blocked the card. This procedure is automatic, after a day (24 hours) access will be restored. If this does not happen, the cardholder must call the call-center or contact the branch of Sberbank where the card was issued. You must have a passport with you. Within an hour, the problem will be resolved.
Reason Two - Overdue Payment
In this case, everything is very simple. Need to replenish the account. If the unlocking is not done automatically, you can contact the operators of the “hot line” and, having informed why the Sberbank has blocked the card, answer a number of questions regarding the verification of identity.
Next, we will talk about in what cases it is worth blocking the card, as well as about what actions must be performed in order to remove the ban later.
Loss
If your card is lost and there is a risk that it will fall into the hands of third parties, it should be blocked. To do this, you need to contact the operator of the "hot line" of Sberbank. The lock will happen immediately. If you find your card after some time, you can easily return access to it using the services of operators working around the clock. If the card has been in the wrong hands, experts recommend reissuing it, having paid an additional (very symbolic) amount for this procedure.
Theft
If your card has been stolen, blocking must be done immediately. This can be done not only by contacting the operators of the mentioned “hot line”, but also by using the “Mobile Bank” or “My Account” service in the bank’s Internet system, if they are connected. After Sberbank has blocked the card, you will have to go through a simple procedure that requires patience.
If, prior to your blocking, funds were withdrawn from the card, you will have to contact the police department and draw up an act confirming the theft. In the case of fraud, you have to prove your innocence, it is difficult, but possible. By the way, there are cases when a bank reimbursed funds stolen by fraudsters from a client’s personal account.
So to summarize. A lot of situations happen in which it may turn out that a Sberbank card is blocked . What to do to start using it again? Please note the following methods. Can:
- call the contact center 8 800 200 37 47;
- apply with a written application to the branch of Sberbank;
- use the "My Account" in the Internet system.
Sberbank blocked the card? Now you know how to behave in this case.