Girocard at ATMs: How to Avoid Losing It

Users of Girocards (formerly EC cards) need to be aware of a common problem: losing their card in the ATM. Banks warn that there are various reasons why a Girocard may get stuck in the machine and not be returned. A typical reason is that the card is inserted, but the user remains inactive for an extended period. Sparkasse explains that its ATMs automatically withdraw the card after 30 seconds of inactivity to ensure the card's security.

This measure is intended to prevent cards from being forgotten and falling into the wrong hands. Another common reason for the card being withdrawn is if the user does not immediately take the card after the cash is dispensed. In such cases, the ATM will also retract the card. Sparda Bank points out that entering an incorrect PIN three times will also result in the card being retained. Additionally, technical issues with the ATM can lead to the card not being returned.

If the ATM malfunctions due to an error, the card may remain in the device. In such cases, it is advisable to contact the bank immediately to retrieve the card or request a replacement card. Quick action is required if the card is retained in the ATM. Customers should either go directly to the bank branch or call their bank's service hotline. Banks recommend that if problems occur outside of business hours or abroad, the card should be blocked immediately.

The central blocking hotline 116 116 is available for card blocking. From abroad, the number +49 116 116 or the landline number +49 30 4050 4050 can be used. Alternatively, customers can also use the bank app or online banking to block the card. When contacting the bank, it is important to have the IBAN of the Girocard or the credit card number ready. This information significantly speeds up the process of retrieving or blocking the card.

Banks advise keeping this information readily available to respond quickly in emergencies. They emphasize that customer security is a top priority. Therefore, the measures for automatic card withdrawal are necessary to prevent misuse. Customers should be aware of the risks and take appropriate precautions to avoid losing their Girocard. Sparkasse and Sparda Bank have highlighted in their informational materials that the retention of the card is not only annoying but can also be potentially risky.

Customers should regularly inform themselves about their bank's security policies to be well-prepared in case of emergencies. Banks recommend being vigilant when using ATMs and taking the card immediately after the transaction. This minimizes the risk of the card being retained. Proper handling can help avoid unpleasant situations and ensure the security of one's finances. The security measures of banks are designed to maximize customer protection. The automated withdrawal of the card is one of the measures that help prevent customers from becoming victims of theft or fraud. Customers should be aware of these security mechanisms and act accordingly.