In an advanced world like our own right now, many people are creating and opening bank accounts for their money storage or money transactions. No matter what reason you have for opening a bank account, you will still be the owner of a bank account at the end of it all.
And so, when you create a bank account, most at times, you will receive a debit card or even simply a bank card that is used for your ATM Withdrawals and for other purchases online and subscriptions.
But with a damaged card, you might not be able to do some things with your card. And so, in this article, we will be showing you how you can setup an ATM withdrawal when you have a damaged Card.
And by the end of this article, you should know what condition your card is in; what to do when your card is damaged, and how to withdraw money from your bank account when you have a damaged ATM Card
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How to Withdraw Cash from Damaged Debit Card 2023
Many people have their cards at hand and want to withdraw cash from their bank cards but don't know what to do. Well, it is not easy to withdraw money when your card is damaged. In fact, you can't do an ATM withdrawal when your Debit card is damaged.
If your Debit card is damaged, then the only thing you can do is to request for a new card. And if you are urgently in need of the cash, then you have to go to your bank's branch and withdraw from the bank's workers in person and not from the ATM.
Well, when we say damaged card what do we mean? This is what you card is like when we say it is damaged
How to Know that my Card is Damaged
To know if your card is damaged, then the first thing you should know is that you won't be able to see some very important informations on your card like CVV code, expiry date, and some other important information.
But when your card is in this state, you won't be able to complete online transactions, but will be able to complete ATM withdrawals.
Otherwise, Cards with substantial border wear, corner wear, scratches or scuffing, as well as folds, creases, splits, or other damage that compromises the structural integrity of the card, are considered to be in damaged condition. We can also say simply that cards that have a hole in it, broken at the corners, or anywhere on the card are also know to be damaged cards.
And when your card looks like this, we will advice that you request for another card. Because the ATM might swallow your card if you send it into the ATM.
What Should I Do if my Card is Damaged?
If your card is damaged, many people don't know what to do. Well, just request for a new card that will be issued to you. These are the easiest ways to request a replacement card.
1. Log in Directly into Bank's site or Bank's Mobile Banking app:
When you log into your bank's site, you should look for the section including the bank cards or bank's debit card replacements and just request for a replacement from there.
After you have requested from there, your card should take about 5 to 7 business days to reach to you since you will also provide the address where it should be delivered.
Note that this card will still have the same informations as the previous one including card number and card's password.
2. Get in Contact with Bank's Customer Service
Another way is to get into contact with your bank's customer service. You can reach to any one, table what your problem is, then provide your card's details alongside with your address where the card should be sent.
Once they have these informations, then they will work out and create a new card that will be sent to your address within a few business days.
3. You can also Visit the Bank directly
At times, many people choose this option since it is the best option. When you go in person to your bank's branch, you table your request directly, then what they will do is that they will create a new debit card for you instantly and you can choose from there if you should keep the same card password or other informations.
And one thing that is good about this last option is that you get your card on the same day you reach there.
But some bank do have fees for card replacements meanwhile some don't have it.
Now that you know what to do when your card is damaged, we should go to the next step of this article. If you urgently need the money and want to withdraw cash from your bank account when you have a damaged card; what should you do?
How to Withdraw Cash With a Damaged card
When your card is damaged, and you still are in need of your cash, then there are other easier ways to withdraw the cash.
1. Visit Your Bank's Branch
One of the easiest ways to withdraw money from your bank account is by going in person to your bank's branch.
When you reach there, you can request for a withdrawal from the cashier and they will perform your withdrawal and you can receive your cash immediately.
2. You can use a Friend's account
If your card is damaged, then your friend's card should not also be damaged. All of us have at least a friend we can try this with.
From your bank's mobile banking app, you can send money to your friend's bank account with fees and then from there you just quickly do the withdrawal process.
3. Another option comes with Online Banking Apps
If you have money in your bank account and can't withdraw it because of your damaged card, and also you don't want to go t your bank's branch, this option will also be very favorable.
You can just send the money to your Paypal, Zelle, or Venmo account if you have an account, and then use their card to do an ATM withdrawal in your Area.
Final Thoughts on How to Withdraw Cash With a Damaged Card
With this article, you should not have any complain again as to whether your card is damaged or bad.
In this article, we have explained what we mean by damaged card; we have shown you how to request for a new card if you have a damaged card; and have also shown you how to withdraw money if your card is damaged.
As a quick recap, we said you can use a friend's card, or you can use an online bank that have debit cards for their users, and we also said you can go to your bank's branch and withdraw from there.
Some Frequently Asked Questions(FAQs) on ATM withdrawal with damaged card
You can also see some other questions and answers below;
What happens if my card's Chip is not damaged?
If your card's chip is not damaged, you can still make ATM withdrawals. But we won't advise you to do that since you never know when your ATM will swallow your damaged card. So, better go for a replacement if your card is damaged on a different place other than your card's chip
How do I Activate my new card?
You can activate your new card by doing any of the following: They are;
- By withdrawing money;
- By checking your balance at an ATM;
- By paying in a shop using your debit card and PIN.
These are the main three ways to activate your new card
What if My New Card Does not arrive?
If your card does not arrive, then there should be an error in the delivery service. And with that, you should contact your bank and request for your car to be sent again.
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