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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 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6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"title":57,"description":58,"original_image":59,"thumbnail_image":60,"image_source":61,"description_source":62,"publication_date":63,"views_count":64,"category":65,"topics":68,"author":81,"banners":98,"seo":107},107,"What to Do If You Lose Your Bank Card?","\u003Cp>\u003Cem style=\"background-color: transparent; color: rgb(27, 28, 29);\">Prepared in partnership with Earlyone.\u003C\u002Fem>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> \u003C\u002Fspan>\u003Cem style=\"background-color: transparent; color: rgb(0, 0, 0);\">(\u003C\u002Fem>\u003Cem style=\"background-color: transparent; color: rgb(17, 85, 204);\">\u003Cu>\u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=earlyone.earlyone&hl=ru\" rel=\"noopener noreferrer\" target=\"_blank\">Google Play\u003C\u002Fa>\u003C\u002Fu>\u003C\u002Fem>\u003Cem style=\"background-color: transparent; color: rgb(0, 0, 0);\">, \u003C\u002Fem>\u003Cem style=\"background-color: transparent; color: rgb(17, 85, 204);\">\u003Cu>\u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fru\u002Fapp\u002Fearlyone\u002Fid1166600934\" rel=\"noopener noreferrer\" target=\"_blank\">iOs\u003C\u002Fa>\u003C\u002Fu>\u003C\u002Fem>\u003Cem style=\"background-color: transparent; color: rgb(0, 0, 0);\">)\u003C\u002Fem>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Unfortunately, such an unpleasant incident can happen to anyone; no one is immune to losing their card. If it does happen, the main thing is not to panic. It's crucial to quickly protect your money and restore access to your account.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Every day, dozens of Armenian bank clients lose their cards. We'll explain how to avoid losing money and quickly restore account access in such a situation.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Step-by-Step Actions:\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">1. Block the Card\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Call the bank, first authenticating yourself using a code word, or log into the mobile app. There's usually a \"Block Card\" button there. This will immediately stop any payment attempts.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">How exactly can you block a card?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Most banks allow you to do this:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">via mobile app,\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">by calling the call center,\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">at any branch.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">The fastest way is through the app or by calling the hotline.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">2. Check Recent Transactions\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If someone has already used the card – notify the bank immediately. They will start an investigation, and in some cases, the amount may be refunded.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Can money be recovered if it was already withdrawn?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If you notice transactions and immediately inform the bank, they are obligated to initiate an investigation. In the case of confirmed fraud, the amount may be refunded.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">To keep the situation under control, set a minimum threshold for SMS notifications in advance, for example, from AMD 1,000. Many set a limit of AMD 10,000 or higher, and then notifications for small transactions simply don't come through. Yet, precisely these small operations can be unnoticed but significant, especially if the card was lost or used without your knowledge. This way, you'll immediately learn about any suspicious activity and can react in time.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">The limit can be set on the day of application and can be changed. For some cards, such as those from Evocabank or IDBank, these notifications are free – which is convenient and secure.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">3. Order a New Card\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">This can be done online – via the website or mobile application.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Some banks, like Ameriabank or Evocabank, instantly issue a virtual card that can be used within minutes. The physical plastic card is then delivered by courier.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">4. Update Auto-Payments\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If the card was linked to subscriptions, utility bills, or online stores – don't forget to update the payment details. This will protect you from accidental overdue payments and failed transactions.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Here's the translation of the final segment, maintaining the original formatting and focusing on practical advice for an English-speaking audience, using relevant financial and tech terms:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">What to Do If Your Phone is Lost Along with Your Card?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">In this situation, it's crucial to act especially fast. First, try to remotely lock your smartphone via iCloud (for iPhone) or Google (for Android) – this will disable access to banking applications.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Then, call your bank from any available phone (a relative's, work, or landline) and ask them to block your card. It's also advisable to disable online banking to prevent unauthorized access. If you have a backup card, use it until you can restore access.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Useful Tips to Avoid Losing Your Card and Getting into a Difficult Situation\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">These simple steps will help you protect yourself in advance – even if your card suddenly goes missing, you'll be prepared:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Add your card to Apple Pay or Google Pay\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> – this allows you to pay with your phone even without the physical card, and the physical card itself can be quickly blocked if lost. It's safer: payments on your phone are protected by Face ID or a passcode, whereas a lost card can be used for purchases without a PIN.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Protect your phone and banking app with a passcode and Face ID\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> to prevent unauthorized access to your money.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Set limits for withdrawals and purchases\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> – this will limit potential damage if the card falls into the wrong hands.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Save your bank's support number\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> to avoid wasting time searching in an emergency. However, if your card is lost with your phone, you can ask someone nearby for their phone, find the bank's number online, and call.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Enable push notifications for spending\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> – this way, you'll immediately notice suspicious transactions.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Keep a backup card\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">, especially when traveling or if you frequently make online payments.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Find a New Card on AFM\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If you do lose your card, it's crucial not only to quickly block the old one but also to promptly get a new one to continue accessing your money without interruption.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">This is where AFM comes in handy – the first financial marketplace in Armenia, where you can:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">compare conditions for all bank cards,\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">learn about hidden fees,\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">and apply for a new card online – quickly, conveniently, and without overpaying.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Here, it's easy to \u003C\u002Fspan>\u003Cu style=\"background-color: transparent; color: rgb(17, 85, 204);\">\u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\u002Fdebit-cards-in-armenia\" rel=\"noopener noreferrer\" target=\"_blank\">find a replacement\u003C\u002Fa>\u003C\u002Fu>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">: with free maintenance, cashback, or instant issuance — tailored to your goals and lifestyle.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Save this article and share it with friends – so they'll be prepared if something goes wrong.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F3ab5a170-3fa8-4020-9922-00910c56f85c.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F3ab5a170-3fa8-4020-9922-00910c56f85c.webp","Freepik",null,"2025-07-21 13:16:00",4545,{"title":66,"slug":67},"Journal","journal",[69,72,75,78],{"title":70,"slug":71},"Debit Cards","debit-cards",{"title":73,"slug":74},"Earlyone","earlyone",{"title":76,"slug":77},"Finance Made Simple","finance-made-simple",{"title":79,"slug":80},"Payments and transfers","payments-and-transfers",{"first_name":82,"last_name":83,"full_name":84,"avatar":85,"email":86,"slug":87,"company":88,"phone":62,"title":89,"description":90,"position":91,"position_description":92,"social_links":93},"Saty","Avagyan","Saty Avagyan","\u002Fcontent\u002Fuploads\u002Favatars\u002Fe5bf46158b2222c21e51fcf6ac6ebd5f.webp","content.creation.05@gmail.com","saty-avagyan","AFM","About the author","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A content and content strategy specialist with over 7 years of experience working with leading Armenian and international companies. She has collaborated with major Armenian banks and financial products, and since early 2024 has been an author at AFM, responsible for creating analytical and up-to-date content that is valuable for both readers and search engines and AI systems.\u003C\u002Fspan>\u003C\u002Fp>","Head of Content Marketing and Author of Articles and News at AFM","\u003Cp>Responsible for all content across the website from quality standards to the creation and updating of materials.\u003C\u002Fp>",[94],{"name":95,"link":96,"status":97},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fsaty-avagyan-642028274\u002F",1,[99],{"id":100,"image_desktop":101,"image_tablet":102,"image_mobile":103,"is_centered":7,"is_dark":7,"title":104,"description":105,"url":106},2,"\u002Fcontent\u002Fuploads\u002Fbanners\u002F9c914e1378edaeb3f237bf8cbc679663.webp","\u002Fcontent\u002Fuploads\u002Fbanners\u002F575668df2618c525fb9f3bc7de477daa.webp","\u002Fcontent\u002Fuploads\u002Fbanners\u002F8e57e43f93e39f3dd2724b907e84f84e.webp","All payments in one place","Easily pay for 1000+ services","https:\u002F\u002Feasywallet.app.link\u002Fafm_eng",{"title":108,"description":109,"keywords":110},"What to Do If You Lost Your Bank Card | Step-by-Step Guide","Learn how to block it instantly, secure your funds, and request a lost debit card replacement without financial losses.",[111,112,113,114,115],"block bank card in Armenia","what to do if card is lost","card replacement","freeze debit card in Armenia","bank card security",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":117},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":119},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":121,"height":121,"rotate":5,"vFlip":7,"hFlip":7,"body":122},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]