What to Do When Your Debit Card Is Stolen

Your debit card has been stolen or lost. What do you do? First of all, take a deep breath. We’ll walk you through this.

3 min read

You reach in your wallet for your debit card and your heart skips a beat: It’s not there. You rack your brain thinking about where you might have left it, but nothing comes up. Your debit card has been stolen or lost. What do you do?

Losing a card with access to your banking account can be scary, especially if you suspect foul play. But security is all-important with online banking, and your card information is protected in many ways — especially when you bank with N26. Rest  assured, we’ve got your back Here are a few steps to take when your debit card is lost or stolen:

With most debit cards, you’ll typically need to go through the following steps immediately: 

  1. Lock your card immediately. With N26, you can do this instantly within the app. 

  2. If your card doesn’t turn up, contact your bank to report that your card was lost or stolen.

  3. Fill out a dispute form regarding any fraudulent transactions or any purchases or withdrawals that you didn’t make.

  4. Request a new debit card.

It can be a frustrating experience, especially if you have to deal with your bank’s automated phone system, wait on hold, or fill out complicated paperwork.

But if you have an N26 debit card that has been lost or stolen, the process is much easier and faster. We’ve removed the unnecessary steps and given you total control over your debit card access in the N26 app. You can complete the process in the palm of your hand, no phone calls necessary — and it only takes a few minutes

Steps to take when your N26 debit card is stolen or lost

  1. Open the N26 app.

  2. Tap the “Actions” button

  3. Tap “Card Settings”

  4. Tap “Order a New Card”

  5. Select the reason why, either “My card got stolen” or “I lost my card”

  6. Tap “Continue”

  7. Follow the screen guides to complete your new card order

How N26 keeps your money safe

Enjoy safer mobile banking with N26 thanks to innovative security features that help safeguard your account:

  • Lock your debit card instantly in the N26 app. If you find it, unlock it with just a tap. 

  • Login to your account via fingerprint or face recognition.

  • Pair your N26 account with your smartphone to ensure your account can only be accessed on your personal mobile device.

  • Your funds are FDIC-insured through our partner bank, Axos Bank, Member FDIC.

  • N26 debit cards are protected by Visa’s Zero Liability Policy*, which means you won't be held responsible for unauthorized charges made with your account or account information.

  • Receive instant alerts in real-time for all account activity, including all withdrawals, deposits, and purchases.

Mobile banking you can trust at N26

If your debit card is ever lost or stolen, take action right away and follow the steps above. Make it easier on yourself with an N26 account. We’ve streamlined every element of the banking experience to be fast, flexible, and responsive. Already have an account? Learn more about security at N26. Not signed up yet? Open an N26 account from your phone or computer in an easy, paperless signup process. All it takes is 5 minutes.

    The N26 account is offered by Axos Bank®, Member FDIC. N26 Inc. is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.

    By N26

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