Freeze Your Debit Card | NatWest International (2024)

FAQs

Freeze Your Debit Card | NatWest International? ›

Card locking is a feature many debit or credit card issuers offer today. It allows you to freeze your card or account temporarily and block further charges. Locking will typically prevent new transactions but leave automatic payments, such as bills, bank fees, and subscriptions, enabled.

Card locking is a feature many debit or credit card issuers offer today. It allows you to freeze your card or account temporarily and block further charges. Locking will typically prevent new transactions but leave automatic payments, such as bills, bank fees, and subscriptions, enabled.

Freezing your debit card temporarily stops the following transactions until you unfreeze your card: Purchases. ATM withdrawals.

If you can't find your debit card, freezing it stops it being used by anybody else. On Digital Banking, as soon as you click the 'Freeze card' button, it'll be frozen instantly. If you are using your mobile app, you can use the 'Card Freeze' setting. That means there's no rush to report your card lost or stolen.

The card company may decline the transaction as a precaution. This generally happens when a series of domestic transactions are followed by an international transaction. It is one of the many risk rules that are in place to ensure a safe banking experience.

Easier and Faster Than Canceling and Replacing a Card

Compared to reporting your card lost or stolen and waiting for a replacement, freezing is a quicker and more convenient option. Most banks and issuers allow you to freeze your card through online banking or mobile apps, providing instant protection.

Once you Pause a card, all transactions will be declined until you choose to UnPause it. It's your first line of defense until you have confirmed that your card has been lost or stolen. If you are certain that it's been stolen, Pause is a great way discourage unlawful use of your card as quickly as possible.

Freeze account meaning

You will be unable to transfer funds from or into your account. You will also be unable to leverage your Debit Card to make purchases from your account. These restrictions can bring all financial transactions to a halt, making it challenging to go about your daily financial activities.

No. Any pending transactions that have already received authorization will be processed and paid.

Many debit card accounts also feature a lock. The idea is that if you misplace a card, you can lock it, or essentially turn it off. That would prevent a thief from making fraudulent charges with a stolen card number. If you find the card, you can unlock it, or turn it back on — all without a call to your card issuer.

Is my card safe if I freeze it? ›

Freezing a credit card for lost or stolen cards

This is to prevent fraud and will stop use of your card by anyone else. But it is a temporary measure if you think you've misplaced your card, which means that if you find it you can later remove the freeze.

Yes you can still receive payments into your bank account, using account number and sort code.

If you think you have mislaid your Debit Card you can place a temporary freeze on your card. This feature is ideal for use as a short term security measure, for example where you have mislaid your card around the home but you don't want to report it lost just yet!

How do I block international transactions? You can block your debit card from being used internationally by enabling the Block International option on the Location Controls screen. Blocking international transactions will disable all set regions.

Large purchases, charges from sellers in foreign countries, or activity that seems unusual may trigger the bank or credit union to lock down your account to avoid fraud. Before traveling, contact your bank or credit union to let them know you'll be out of town.

International ATM fee: This is usually a combination of a flat fee and a percentage of the amount withdrawn. Typically, fees range from $1 to $5. Foreign transaction fee: Also known as a currency conversion fee, this fee can range from 1% to 3% of the total purchase amount.

If I have a pending transaction when I freeze my card, will the transaction be paid? Yes. Transactions which have already been authorised will clear. It is only from the point that the lock is put in place that a initiated transaction will be declined.

But it still allows direct debits, standing orders and refunds.

If the transaction has already been authorized it will still clear, regardless of if you freeze or lock your card.