An ATM keeping your card can feel confusing and upsetting. It often happens for simple reasons and can be handled step by step. There are sensible first steps you can take right away.

Why This Situation Matters

An ATM that keeps your card can cause delays in your plans. It may also make it harder to access your money. Ignoring it can lead to missed payments or extra work to replace the card.

What to Do Immediately

1. Stay calm and wait — The machine may hold the card while it finishes a transaction. Waiting a minute or two can often resolve the issue.
2. Check the ATM screen — The machine may show a message or simple instructions about why the card was retained.
3. Look for bank staff — If the ATM is at a branch and it is open, go inside and ask a teller for help.
4. Use the phone number on the ATM — Call the number shown on the machine.
5. Do not try to force the card out — Avoid inserting other cards or pulling on the card slot. This can make the situation worse.

Things to Avoid

• Forcing the card — Do not pry, pull, or push tools into the slot.
• Trying the same card again — Re-inserting the card may cause more trouble.
• Sharing your PIN — Do not give your PIN to anyone who approaches offering help.
• Leaving without noting details — Avoid walking away without recording the location and time if you plan to report it.
• Posting sensitive details online — Do not share your card number or PIN in public messages.

What to Do Next

Write down the ATM location, time, and any on-screen messages. Check your account balance and recent transactions on your bank app or online. Call your bank’s customer support if you have not already. They may be able to block the card, unlock it, or tell you how to get it back. Keep any receipt or reference number you receive.

When to Get Professional Help

Professional help may be appropriate if the card is not returned, if you see transactions you did not authorize, or if the ATM looks damaged. Contact your card issuer or bank’s customer service for help with blocking or replacing the card. If you suspect theft or fraud, you may consider contacting local law enforcement for a report.

Quick Summary

• Stay calm, check the screen, and wait a short time.
• Seek help from branch staff or call the number on the ATM or card.
• Do not force the card or share your PIN.
• Monitor your account and contact your bank if problems continue.

About the Author

Situation Guide Editorial Team

The Situation Guide editorial team writes clear, practical guides for common real-world situations. Content focuses on safe first steps, plain-language explanations, and helping readers recognise when professional help may be appropriate. This guide provides general information only and is not a substitute for personalised professional advice. Specific circumstances can vary.