How to freeze your card

Misplaced your card? Freeze it on our app to pause all card‑based transactions and unfreeze it when you're ready.

If you lose or misplace your card, you can temporarily freeze your Debit or Credit Card on our app. This blocks all card-based transactions. You can unfreeze it anytime. Freezing a card is quick, secure and doesn’t affect your account or debit orders.

How to freeze or unfreeze your card on our app

  • Sign in on our app
  • Tap Cards
  • Choose the card you want to freeze or unfreeze
  • Toggle Freeze card to Yes
  • Tap Freeze card to confirm
  • You’ll receive an in-app notification or SMS confirming the change

What does freezing your card do?

  • Temporarily blocks all card-based transactions
  • Blocks purchases, withdrawals, subscriptions and digital wallet payments
  • Keeps your card and card details active for later use
  • Applies only to the card, not your account

What happens when your card is frozen

When your card is frozen:

  • All new card transactions are declined
  • ATM withdrawals, in-store and online payments are blocked
  • Apple Pay, Google Pay, Samsung Pay and Garmin Pay payments are paused
  • Subscriptions linked to the card are paused
  • Debit orders linked to your account still go through
  • Transactions already authorised before freezing may still go through

What’s the difference between freezing and stopping your card?

Stop cardFreeze card
Stopping your card is permanent and cannot be undone Freezing your card is temporary
When you stop a card, it’s closed straight away All transactions are blocked while the card is frozen (this includes withdrawals, purchases, subscriptions and card‑based payments)
You need to get a new card with new card details When you unfreeze it, the same card and card details stay active
For physical cards, you’ll pay a replacement fee You do not need a new card
For virtual cards, simply create a new one on our app A frozen card cannot be added to Google Pay, Apple Pay, Samsung Pay or Garmin Pay
You can stop your card using any of the options below You can only freeze your card on our app

 

Cards you can freeze

Supported card types:

  • Debit Card (physical and virtual)
  • Credit Card (physical and virtual)
  • Entrepreneur Card

Note: Only the primary account holder can unfreeze a frozen card.

FAQs

No. Once a card is reported lost or stopped, it needs to be replaced.

Merchants see a standard decline message. You’ll get an in-app or SMS notification.

Yes. Debit orders linked to your account are not affected.