Lost your credit or debit card in Thailand? Here’s what to do
Losing your credit or debit card while travelling can be stressful, but don’t worry! The first thing you should do is reach out to your bank and let them know. They’ll be happy to freeze your account so no one can use your card. Here’s a quick guide to help you out if you ever find yourself in this situation in Thailand.
What to do when you lose credit or debit card in Thailand
1. Stay calm and assess the situation
Take a deep breath. First, retrace your steps to see if you can find your card. Try to recall where you last used it. Was it at a restaurant, a shop, or an ATM. Go back and check those places. Sometimes, it’s simply left behind at the last place you swiped it. Check your pockets, wallet, and bags thoroughly.
2. If you can’t find, contact your bank immediately
If you can’t find your card, call your bank or card issuer right away. Many banks offer 24/7 customer support, so don’t worry about time zones. Explain the situation clearly, and they’ll be able to freeze or block your card to stop anyone from using it fraudulently. It’s better to do this quickly, especially if you suspect the card was stolen.
- Bangkok Bank: (+66) 2645 5555​
- Siam Commercial Bank (SCB): (+66) 2777 7777​
- Kasikornbank (KBank): (+66) 2888 8888
- United Overseas Bank (UOB): (+66) 2285 1555​
- CIMB Thai Bank: (+66) 2626 7777​
- Standard Chartered Thailand: (+66) 2106 1000​
3. Report the loss
After contacting your bank, you may need to officially report the card loss. Some banks ask you to verify your identity, and others may require you to complete a form. Be ready to provide your card details and some recent transactions for verification. This ensures they can protect your account and take the proper steps to replace the card.
Tell the bank representative that your card is lost and request them to block the account.
4. File a police report
If possible, visit a local police station and file a report about the lost card and obtain a copy for your records. Some banks require an official police report before processing claims or refunding fraudulent charges. Getting a copy of the report is also helpful for insurance purposes.
5. Request a replacement card
Once your account is secured, ask your bank to issue a replacement card. They might send one to your home address, or they could issue a temporary card if you’re in a hurry.
6. Explore alternative payment options
While waiting for your replacement card, consider alternative payment methods:
- Cash: You can withdraw cash at ATMs using your bank’s emergency cash service, if available.
- Travellers’ checks: If you have any, they can be a safe option.
- Mobile payments: Check if you can link your bank account to a mobile payment app.
7. Keep important numbers handy
Make sure to have your bank’s emergency contact number saved on your phone or written down somewhere safe. This will make it easier to reach them if you encounter any issues.
8. Monitor your account
After reporting your card loss, keep an eye on your account statements for any unauthorised transactions. If you notice anything suspicious, report it to your bank immediately.
Important points to remember
1. Keep track of details
When reporting a lost card, it helps to have key details like your card number and expiration date at hand. This will speed up the process and make it easier for your bank to assist you.
2. Consider travel insurance
Check whether your travel insurance covers lost or stolen credit cards. Some policies will reimburse you for losses, including any emergency cash withdrawals or fees associated with getting a replacement card. If you’re unsure, it’s worth reviewing your policy or contacting your insurance provider to clarify what’s covered.
By staying calm and following these steps, you can manage the loss of your credit or debit card while travelling in Thailand and ensure your finances remain secure.
FAQs about losing your debit/credit card in Thailand
What should I do immediately after losing my card?
Contact your bank or card issuer immediately to report the loss and request them to freeze or cancel your card. Most banks have 24/7 customer support for such emergencies.
How can I report a lost card?
You can report the loss by calling your bank’s customer service number. For example, SCB can be reached at 02-777-7777, while Bangkok Bank offers support at (66) 0 2638 4999.
Will I be responsible for unauthorized charges?
Generally, if you report the loss within a reasonable time frame, you will not be held responsible for any unauthorized transactions that occur after you report the card lost.
How long will it take to receive a replacement card?
Replacement cards are typically issued within one week, but this can vary by bank. Some banks may offer expedited services for urgent requests.
What if my card is stuck in an ATM?
If your card is retained by an ATM, contact the bank that operates the ATM immediately. They may be able to retrieve your card for you.
Can I access cash without my debit or credit card?
Yes, you can use alternative methods such as withdrawing cash through Western Union or using emergency cash services offered by some banks.
Should I file a police report?
While not always necessary, filing a police report can be beneficial, especially if your card was stolen or if you need it for insurance claims.
What information do I need to provide when reporting a lost card?
Be prepared to provide your personal details, card number (if known), and possibly recent transaction information for verification purposes.
