Lost Bank Card In China? 4 Steps to Replace It!
But don’t worry — we’ve got you covered. There are only a few steps to help get you back on your feet. We’ve outlined what to do next in the event of a lost or stolen Chinese bank card.
Most banks in China now have English service, making it much more convenient for you to recover your lost card. When calling your bank’s hotline (numbers listed below), wait for a message at the very end that says something like, “for English, please press __.”
Banks don’t allow you to register for a new card over the phone, but they will freeze your accounts so that no one can access your money. Some banks may also freeze your Alipay, WeChat Pay and Apple Pay accounts.
Unfortunately, while your account is frozen, you temporarily won’t be able to withdraw any cash. In the meantime, you may need friends to loan you some money to help cover your expenses for the next few days while the bank sorts everything out.
Some banks may require you to go to the branch where you originally opened your account in order to apply for a new card. Call your bank for the address and other details of your original branch, and also to find out whether or not you’ll need to go back to that specific location to get a new card.
When visiting the bank in person, make sure you bring the form of identification you used to initially open the account, along with photocopies and any other forms of ID or important documentation that may be helpful (just in case).
If you no longer have the original ID, call the bank ahead of time to see if it’s still possible to apply for a new card without it. After all, who wants to wait in line for hours at the bank only to leave disappointed and card-less?
Make sure you also have cash on hand to cover the processing fee. Some banks won’t be able to charge your account directly for the fee when it’s frozen, hence the need for spare change.
Just as you did when you first opened your account, you’ll have to fill out some paperwork to receive the new card. Some banks are able to give you a new one right away, while others may make you wait up to 15 days.
If you need to go back to the bank to pick up the new card at a later date, don’t forget to bring your ID to help the clerks at the window confirm your identity.
It’s important to note that the bank may also issue an entirely new bank card number. In case you are given a new number, make sure to update all bank card info on your commonly used mobile payment platforms (i.e. Alipay and WeChat Pay).
And if you receive your salary via direct deposit to your local bank account, don’t forget to notify your employer of the new card number.
And that’s it! Generally, replacing your bank card is not a very long process, nor is it too complicated.
Keep in mind that processing times may be subject to change and likely extended during major festivals, since most banks are closed during public holidays. Contact your bank’s hotline for the most up-to-date information.