Overview

• Cardholders must immediately block both physical and digital cards via their bank’s app or website or by calling the 24/7 emergency hotline at 116 116 (or +49 30 4050 4050 from abroad).
• After losing a smartphone, consumers should also deactivate online banking credentials, TAN apps and the device’s SIM card to prevent unauthorized access.
• Victims are advised to file a police report to stop the electronic direct debit procedure (ELV) and register stolen devices by IMEI for potential recovery.
• Account movements should be checked daily and any unauthorized or suspicious transactions disputed with the financial institution without delay.
• Once a card is blocked, banks automatically dispatch replacement cards with new numbers and PINs, typically arriving within a few days.