What to do when your card gets stuck in an ATM machine

It wasn’t that long ago that I had the unfortunate experience of having my bank card stuck in an ATM machine, and had to go through the rigours of retrieving it. This post is to help people who have gone through a similar fate, and are unsure about what happened or what to do. First, it is worth noting that while in the past, a member of bank staff could have helped open the machine and retrieve the card, this is no longer the case. All cards swallowed by ATM machines of other banks (even for no fault of yours) now have to be retained and destroyed, for reasons discussed later in the post. So for example, if you bank with GTBank and your ATM card was swallowed by a FirstBank or Diamondbank ATM,  it is usually a waste of time waiting at the bank to retrieve the card. If however your experience has been different, please let me know in the comment section.

WHY DO ATM MACHINES SWALLOW CARDS?

In Nigeria, ATM cards tend to get retained by machines for one or a combination of technical reasons: power fluctuation, network connection interruption, system reboot etc. So if ATM machine temporarily loses power after you have correctly entered your PIN, it is then unable to make a link between the information you have entered and the central system, and this causes an error which can cause the card to get stuck.


AliExpress by Alibaba.com

 

There’s also a possibility of your card being stuck as a result of unfamiliar withdrawal patterns detected, which might imply fraud. Card usage patterns such as entering the wrong PIN too many times or withdrawing large sums in a relatively short space of time might all be classed as ‘unusual activity’ which causes the card issuer to place a marker on the card. For example, someone withdraws an average of ₦5,000 each week and suddenly purchases goods worth ₦100,000 online and on the same day tries to withdraw ₦100,000. Depending on the card issuer or the bank involved, this might be enough to place a marker on the card. In some countries, law enforcement agencies are able to liaise with financial institutions to place markers on cards of suspected criminals.
When a marker is placed on an  card, the card will be retrieved by any ATM it is used at. These are preventative measures on the part of banks with the aim of getting the card owner to visit the branch in person and verify that recent transactions linked to the card are all authorised and legitimate.

 

[socialpoll id=”2302313″]

WHAT TO DO WHEN YOUR CARD IS STUCK

First and foremost, immediately inform your bank. You will need to phone your bank, with the details of the ATM where the card got stuck. You will then need to visit your bank in person, with a form of identification (A national ID card or International passport will be sufficient) to prove that the card was not being misused by a 3rd party, and also to get a new card issued. For security reasons, most Nigerian banks will usually treat stuck cards as a “3rd party compromise” and destroy the cards to prevent misuse.

[Related: How to withdraw from a Diamondbank ATM without your card]

Be aware that most banks will charge you a card issuance fee of about ₦1,000 to retrieve the card and it will take about 5 working days to receive your new card which will be sent to the branch where the complaint was raised.

I personally think that especially in cases where a technical malfunction has caused the error, the customer should not be charged.

95 Comments

  1. BARIDAM January 6, 2017
  2. Annas January 7, 2017
  3. Claire canning February 15, 2018
    • Tosyno June 6, 2020
  4. canadian pharcharmy online January 22, 2020
  5. canadian pharmacies January 22, 2020
  6. viagra without a doctor prescription January 22, 2020
  7. canadian pharmacies January 22, 2020
  8. canadian pharmacies shipping to usa January 22, 2020
  9. canadian pharmacies shipping to usa January 22, 2020
  10. online pharmacy January 22, 2020
  11. canadian pharmacies January 22, 2020
  12. canadian pharmacies shipping to usa January 22, 2020
  13. canadian pharmacies January 22, 2020
  14. canadian pharmacies shipping to usa January 22, 2020
  15. canadian pharmacies January 22, 2020
  16. canadian pharmacies shipping to usa January 22, 2020
  17. canadian pharmacies shipping to usa January 22, 2020
  18. viagra without a doctor prescription January 22, 2020
  19. canadian pharmacies January 22, 2020
  20. canadian pharmacies shipping to usa January 22, 2020
  21. canadian pharmacies shipping to usa January 22, 2020
  22. canadian pharmacies shipping to usa January 22, 2020
  23. canadian pharmacies January 22, 2020
  24. canadian pharcharmy online January 22, 2020
  25. canadian pharmacies shipping to usa January 22, 2020
  26. online pharmacy January 22, 2020
  27. safe canadian online pharmacies January 22, 2020
  28. canadian pharmacies shipping to usa January 22, 2020
  29. safe canadian online pharmacies January 22, 2020
  30. canadian pharcharmy online January 22, 2020
  31. canadian pharmacies January 22, 2020
  32. canadian pharmacies January 22, 2020
  33. online pharmacies January 22, 2020
  34. online pharmacy January 22, 2020
  35. top rated online canadian pharmacies January 22, 2020
  36. online pharmacies January 22, 2020
  37. online pharmacies January 22, 2020
  38. viagra without a doctor prescription January 22, 2020
  39. viagra without a doctor prescription January 22, 2020
  40. canadian pharmacies shipping to usa January 22, 2020
  41. canadian pharcharmy online January 22, 2020
  42. canadian pharmacies shipping to usa January 22, 2020
  43. canadian pharcharmy online January 22, 2020
  44. online pharmacy January 22, 2020
  45. canadian pharcharmy online January 22, 2020
  46. viagra without a doctor prescription January 22, 2020
  47. canadian pharcharmy online January 22, 2020
  48. canadian pharmacies shipping to usa January 22, 2020
  49. canadian pharmacies January 22, 2020
  50. canadian pharcharmy online January 22, 2020
  51. online pharmacy January 22, 2020
  52. canadian pharmacies January 22, 2020
  53. canadian pharmacies January 22, 2020
  54. canadian pharmacies January 22, 2020
  55. canadian pharmacies shipping to usa January 22, 2020
  56. canadian pharmacies January 22, 2020
  57. canadian pharmacies January 22, 2020
  58. canadian pharcharmy online January 22, 2020
  59. canadian pharmacies shipping to usa January 22, 2020
  60. canadian pharmacies January 22, 2020
  61. top rated online canadian pharmacies January 22, 2020
  62. viagra without a doctor prescription January 22, 2020
  63. canadian pharcharmy online January 22, 2020
  64. canadian pharmacies shipping to usa January 22, 2020
  65. online pharmacies January 23, 2020
  66. canadian pharmacies shipping to usa January 23, 2020
  67. canadian pharmacies shipping to usa January 23, 2020
  68. canadian pharmacies shipping to usa January 23, 2020
  69. canadian pharcharmy online January 23, 2020
  70. canadian pharcharmy online January 23, 2020
  71. canadian pharcharmy online January 23, 2020
  72. canadian pharcharmy online January 23, 2020
  73. online pharmacy January 23, 2020
  74. canadian pharcharmy online January 23, 2020
  75. canadian pharmacies shipping to usa January 23, 2020
  76. canadian pharmacies January 23, 2020
  77. online pharmacy January 23, 2020
  78. canadian pharmacies shipping to usa January 23, 2020
  79. canadian pharcharmy online January 23, 2020
  80. canadian pharmacies January 23, 2020
  81. canadian pharmacies shipping to usa January 23, 2020
  82. canadian pharcharmy online January 23, 2020
  83. top rated online canadian pharmacies January 23, 2020
  84. canadian pharmacies shipping to usa January 23, 2020
  85. canadian pharcharmy online January 23, 2020
  86. canadian pharmacies shipping to usa January 23, 2020
  87. canadian pharmacies shipping to usa January 23, 2020
  88. canadian pharmacies January 23, 2020
  89. canadian pharmacies shipping to usa January 23, 2020
  90. top rated online canadian pharmacies January 23, 2020
  91. online pharmacy January 24, 2020
  92. safe canadian online pharmacies January 24, 2020
  93. canadian pharmacies shipping to usa January 24, 2020

Leave a Reply