Blocking your card

If your credit or debit card is lost or stolen, block it and request a replacement, or temporarily block it

Temporary lock or permanent block?

Whether you should lock your card temporarily and unblock it later, or permanently block and replace your card, depends on the situation.

If you can’t find your card, it’s best that you put a temporary lock on it immediately until you find it. This will protect your card until you can unblock it. You can temporarily lock and unlock your card in a few easy steps using Online Banking or Mobile Banking.

Temporary locking your card will stop the below transactions:

Online and in-store shopping
Cash withdrawals
Card Contactless payments
Wallet based payments (Apple Pay, Google pay etc.)
All debit and credit card subscriptions

But if your card is lost, or if you suspect it has been compromised, you should permanently block it immediately and ask for a replacement.

Permanently blocking your card under Lost/Stolen will stop the below transactions:

Online and in-store shopping
Cash withdrawals
Contactless payments using physical card
Temporarily suspend Wallet based payments (Apple Pay, Samsung Pay, Google Pay etc.). Once the replacement card is activated, wallet-based payments will get resumed
All debit and credit card subscriptions

If you suspect that the card details are compromised or suspected wallet is created, then the card should be blocked under “FRAUD”. This will ensure all transactions on the card/wallets are stopped.

Blocking your card won’t stop these transactions:

Standing orders and direct debits from your account
Auto debits to your credit card

How to place a temporary block on your card or permanently block and replace your card

Choose one of the options below to block your card immediately. Use Phone Banking only if you want to permanently block and replace your card. With Online and Mobile Banking, you can both permanently and temporarily block your card.

How to unblock your card

If you have temporarily blocked your Prepaid/ Debit/ Credit Card using Mobile or Online Banking and now want to unblock it, follow the same steps again, select Unlock Prepaid/ Debit/ Credit Card and click Proceed

Fees and charges

There are no charges for blocking or unblocking your cards. However, if you’re replacing your card, the fees will depend on the type of card you hold. If its a debit card, the fees depend on your Emirates NBD Banking Package. See details on the link below:

FAQs

Do I need my PIN to request a replacement card by phone?

Yes, you do. If you’re not PIN verified when you call us, our customer service agent will direct you to the card replacement option where you'll be asked to enter your registered mobile number and PIN for verification. If you’ve forgotten your PIN, you can reset it at any time.

If you can't reset your PIN, please visit your nearest Emirates NBD branch and we'll help. Bring your passport or Emirates ID for identification.

Is it possible to temporarily block and then unblock my card?

Yes, you can block a debit or credit card temporarily through Online Banking or Mobile Banking. Just select Temporary Block as the reason for blocking the card. You can unblock your card the same way by selecting Unblock this card. If your card is temporarily blocked by Emirates NBD’s security team, you can’t unblock the cards through Online or Mobile banking. You’ll need to call +971 600 54 0000 and when prompted say, ‘unblock card’. You'll know if your card was blocked by us as you'll receive an SMS informing you.

How long will a temporary block remain on my card?

The temporary block will remain in place until you unblock the card or report it lost or stolen and you can then choose to request a replacement card.

If I block my debit card, will my direct debits and standing orders from my account be stopped?

No, direct debits and standing orders from your account will not be affected.

Can I withdraw cash using a blocked card?

No, you can’t withdraw cash using a blocked card, but you can always visit your nearest branch to make a withdrawal. Make sure you’re carrying your passport or Emirates ID and we’ll be happy to help.

I’m not sure if my card is misplaced, lost or stolen. What should I do?

You should immediately log in to Online Banking or Mobile Banking and temporarily block the card. You can also call us on +971 600 54 0000 and when prompted, say ‘lost or stolen card’. Please note, if you call us, we’ll cancel and replace your card with a new one that has a new card number. You should do this only if you’ve lost the card or if it’s been stolen. But if you feel you may find the card, just temporarily block it so you can unblock it later. If you fail to find the card, you can proceed to block and replace it.

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