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If you encounter transaction issues such as ATM card swallowing, you can follow the steps below to retrieve your swallowed ATM card.
1. Why does the ATM card get swallowed?
ATM machines swallow cards for various reasons. Some common causes for ATM card swallowing may include:
- ATM software or server error
- ATM machine incapable of processing the card due to a faulty card reader
- Incorrect PIN entered more than 3 times during the transaction
- Your card may be damaged, faulty, or expired
- Your card is on the blacklist of the issuing bank (your bank suspects you may be using some financial fraud tactics)
When your card gets swallowed, you'll face difficulties in performing basic banking transactions through ATMs such as checking account balance, viewing account numbers, withdrawing cash, transferring funds, etc. If your card is an international Visa card or a credit card, the risk of losing money in your account when the card gets swallowed is very high.
Reasons for ATM card swallowing, what to do when your ATM card gets swallowed
2. How to retrieve a swallowed ATM card
When your card is stuck, swallowed at the ATM, to retrieve the card, you need to stay calm and follow the steps below to retrieve the swallowed ATM card provided by Mytour.
Step 1: Wait for a few minutes
If you suspect the card swallowing error is due to an ATM malfunction, you need to wait for about 10 - 15 minutes to see if the machine restarts and releases the card. If it does, you're lucky. If not, you'll need to proceed with the next steps to retrieve your card.
Step 2: Contact the bank.
Scenario 1:
If you are withdrawing money from ATMs near banks, you can directly go to the bank branch, report the card swallowing incident, and request guidance on retrieving the swallowed ATM card according to the regulations.
Scenario 2:
If you are withdrawing money from other ATMs (located near bookstores, supermarkets, etc.), to quickly retrieve your card, you need to contact the bank's card-swallowing hotline and request guidance on the procedures to retrieve the swallowed ATM card.
Typically, ATMs will have the bank's hotline to support and address customer inquiries. However, with some older ATMs, you may not find these numbers. In this case, to quickly contact the bank, you need to refer to the hotlines, customer service numbers of some common banks as follows:
- Hotline for retrieving swallowed AgriBank ATM card: 1900 55 88 18
- BIDV ATM card retrieval hotline: 1900 92 47
- VietinBank hotline: 1900 558 868
- Vietcombank ATM card swallowing report hotline: 1900 54 54 13
- MBbank hotline: 1900 545426
- Dong A Bank hotline: 1900 54 54 64
- VPbank hotline: 1900 545415
- Saccombank ATM card swallowing report hotline: 1900 55 55 88
- Techcombank ATM swallowing notification hotline: 1800 588 822
Contact the bank's hotline for card issuance, simple handling of swallowed ATM cards
With the bank's hotline number in hand, you need to contact your card-issuing bank to explain what happened and request guidance on the steps, methods to retrieve the swallowed ATM card according to the bank's regulations. After completing the procedures to retrieve the swallowed ATM card, the bank will schedule an appointment for you to bring your ID card to the bank branch on a specific day to retrieve the card.
Similarly, in the case of a lost BIDV ATM card, you can also contact BIDV bank to report the loss of the BIDV ATM card for the staff to block the card, ensuring security in transactions, and the amount of money in the account.
Note:
- To expedite the process of retrieving a swallowed ATM card, you need to note down the transaction time at the ATM, machine type, any encountered issues to report to the bank owning the card-swallowing ATM. In cases where the ATM card is swallowed within the same bank system, you only need to provide your ID card, complete the card retrieval procedures, and you can retrieve your card. If the ATM card is swallowed at another bank, the time, and procedures for retrieving the swallowed ATM card are much more difficult and complex.
- If the swallowed card is a credit card, Visa, Mastercard, to protect the money in your account, immediately after the card is swallowed, you need to access the bank's internet banking system for transactions or call the bank's hotline for emergency card blocking support.
3. Frequently Asked Questions When ATM Card is Swallowed
3.1. Can I withdraw money if my ATM card is swallowed?
Each bank will have different regulations, procedures for retrieving swallowed ATM cards. However, if you need money urgently while waiting to retrieve your card, you can bring your ID card to the card-issuing bank counter to withdraw money directly from the counter.
3.2. Will I lose money if my ATM card is swallowed? Will there be transaction fees?
Typically, when your card is swallowed, if handled promptly, the money in your account will not be hacked and will remain intact.
3.3. How long does it take to retrieve a swallowed ATM card?
After contacting the bank and completing the necessary procedures to retrieve the card, it will take approximately 3-5 days for the bank to contact you to pick up the card. At that time, you need to bring your ID card/identity card to the bank to retrieve the card.
Can a swallowed ATM card be retrieved? How long does it take to receive it?
4. Some simple ways to avoid ATM card swallowing
As analyzed above, being swallowed by an ATM card will cause some inconveniences in your life. Therefore, to minimize the risk of card swallowing, when performing transactions at ATMs, you need to pay attention to the following issues:
- Avoid withdrawing money from suspicious ATMs: Some older ATMs that have not been properly maintained may cause issues such as errors, malfunctions, or failure to read cards. Therefore, if you notice that the ATM is not in good condition or is old, it's best not to perform transactions on these machines.
- Take note of the PIN code of the ATM card you are using to avoid forgetting or entering the password multiple times during transactions.
- Remove expired cards or cards that have been blocked from your wallet. (If you want to know if your ATM card is blocked, you can refer to Mytour's article how long does it take for an ATM card to be blocked).
- Follow the transaction instructions on the machine. Avoid situations where the card is inserted in the wrong direction, causing the card to get stuck or swallowed,...
In general, the procedure for retrieving a swallowed ATM card is quite simple. Therefore, if you unfortunately have your card swallowed and are unsure of what to do, just calmly follow the instructions in this article by Mytour. You will quickly retrieve your card. If you are using a Dong A Bank card and encounter a similar situation, refer to the article What to do if your Dong A Bank ATM card is swallowed for solutions.
