Girocard (EC card) lost or stolen? Act immediately
A lost or stolen bank card is a risk, but if you act quickly your loss stays within limits. First things first: block it immediately. Then you clarify any unauthorized debits.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Clarify the debits →Your chances of getting your money back
What you should do now
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1. Block immediately
Have the card blocked via 116 116 (reachable around the clock).
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2. File a report
In case of theft, file a report with the police; this supports your claim.
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3. Check the debits
Review your account statements and report unauthorized transactions to the bank.
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4. Demand reimbursement
Have debits you did not authorize reimbursed (§ 675u BGB).
Frequently asked questions
What do I have to do if my EC card is gone?
Block it immediately via the central blocking hotline 116 116 (around the clock). In case of theft, file a report and check your account statements. Report unauthorized debits to the bank and have them reimbursed. Blocking quickly considerably limits your possible loss.
Am I liable for debits made with the stolen card?
From the moment of blocking, as a rule no longer. For the time before, your liability for misuse is generally limited to 50 euros (§ 675v BGB). You are fully liable only in case of gross negligence or intent, for example if you kept the PIN together with the card.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.