My bank card is lost or stolen — how do I block it and who do I tell?
Block it now: through the app, or by calling Your bank — card and payment line — the number is also on your bank's site and works 24/7. Until you block it you can be liable for a small excess; after the block you are liable for nothing. Then file a report with Polisen — anmälan (114 14) if it was stolen — the bank and any insurer will ask for the report number to refund fraudulent payments. If the bank refuses to refund payments made after you reported the loss, Allmänna reklamationsnämnden (ARN) — bank / Konsumenternas Bank- och finansbyrå (0200 22 58 00) decides.
🗣️ What to say
"My [debit/credit] card ending [digits] was [lost/stolen] on [date] at about [time]. Please block it immediately, list any payments since then, and tell me how to dispute the ones I did not make."
🪜 Step by step
- Block first, search laterApp, phone banking or the emergency line. A card found later can be unblocked; money spent cannot be un-spent.
- Check recent paymentsIn the app: anything after the loss is disputable. Note the time you noticed and the time you blocked.
- Police report for theftOnline where possible; it takes ten minutes and the bank needs the number.
- Dispute the fraudulent paymentsIn writing to the bank: date, amount, merchant, "not authorised". Refund is due promptly, minus at most the legal excess for payments before you reported.
- Contactless and walletRemove the card from phone wallets and update any subscriptions that were charged to it, or they will fail next month.
📇 All contacts
❓ Frequently asked
How much can I lose?
At most the legal excess (typically up to €50) for unauthorised use before you reported the card, and nothing after — unless the bank proves fraud or gross negligence on your side, such as writing the PIN on the card.
The bank says I must have given the PIN
That is their claim to prove. Ask for it in writing, dispute it, and take it to Allmänna reklamationsnämnden (ARN) — bank / Konsumenternas Bank- och finansbyrå if they insist.
I lost it abroad
Same steps; block through the app or the international number on your bank's site. A police report from the country you are in is fine for the bank.
📎 Sources
- Polisen — anmälan →
- Allmänna reklamationsnämnden (ARN) — bank / Konsumenternas Bank- och finansbyrå →
🔎 Common searches
Recognise your own search? The answer above covers all of these.
- “block bank card lost Sweden”
- “card stolen who to call”
- “bank card lost liability unauthorised payments”
- “report stolen card police Sweden”
- “dispute payments after card stolen”
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