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