In the event of a misplaced or potentially compromised bank card, immediate action is crucial to safeguard your funds. Global IME Bank provides its customers in Nepal with a robust security feature within the Global Smart Plus mobile banking application. This functionality grants you the ability to instantly block and unblock your cards, offering direct control over your account’s security without the need to immediately visit a branch.
This guide provides a formal procedure for utilizing the card block and unblock feature for your Debit, Credit, or E-Commerce cards.
Common Scenarios for Temporarily Blocking Your Card
Temporarily blocking your card is a prudent first response in several circumstances. This feature is designed to provide immediate, short-term security while you assess the situation. Common scenarios include:
- Misplaced Card: If you are unable to locate your card but anticipate finding it shortly.
- Potential Theft: To prevent unauthorized use the moment you suspect your card has been stolen.
- Suspicious Transactions: If you identify unauthorized activity on your account, blocking the card prevents further fraudulent transactions.
- Enhanced Online Security: You may choose to keep your card blocked as a default and only unblock it when making online purchases.
Procedure for Blocking Your Card via Global Smart Plus
Please follow the steps outlined below to temporarily block your card.
- Open the Application: Launch the Global Smart Plus application on your mobile device and log in using your authorized credentials (Password, or Biometrics).
- Navigate to the ‘Cards’ Menu: From the main dashboard, locate and select the ‘Cards’ option from the bottom.
- Select the Specific Card: A list of your active cards will be displayed. Tap on the card you intend to block (e.g., Debit Card, Credit Card, or E-Com Card).
- Initiate the Block: On the card management screen, locate and tap the ‘Block’ icon.
- Confirm the Request: A confirmation prompt will appear. Verify your intention to block the card to complete the action. Once confirmed, the card will be immediately inactive for all transactions.
Procedure for Unblocking Your Card
Should you recover your card or resolve a security concern, you may reactivate it by following these steps:
- Return to the ‘Cards’ Menu: Log in to the Global Smart Plus app and navigate to the ‘Cards’ section.
- Select the Blocked Card: Tap on the card that is currently in a blocked state.
- Initiate the Unblock: The option will now display as ‘Unblock’. Tap this button.
- Confirm the Reactivation: Confirm your request. Your card will be instantly reactivated and available for use.
Important: Temporary Block vs. Permanent Deactivation
It is essential to understand the distinction between the two security measures:
- Temporary Block (via App): This is a reversible, user-controlled feature within the Global Smart Plus app. It is ideal for temporarily misplaced cards or as a precautionary measure. You can unblock the card at any time.
- Permanent Deactivation: This is an irreversible action. It is necessary when a card is lost, stolen, or compromised. A permanently deactivated card cannot be reactivated and a new card must be issued.
To permanently disable or deactivate your card, you must visit the nearest Global IME Bank branch. You can do this by calling the bank’s customer support or by visiting your nearest Global IME Bank branch.
Frequently Asked Questions (FAQ)
Can I use this feature for my virtual e-com card?
Yes, the blocking and unblocking procedure is applicable to all card types linked to your account, including Debit, Credit, and E-Com cards.
Is there a fee associated with blocking or unblocking my card via the app?
No, Global IME Bank provides this self-service security feature free of charge to its customers.
What is the official procedure if my card is stolen?
If your card is stolen, you must take these immediate steps:
First, temporarily block the card using the Global Smart Plus app to prevent any immediate unauthorized transactions.
Second, immediately contact Global IME Bank by phone or visit the nearest branch to report the theft and request permanent deactivation. You may then apply for a replacement card.
