Block Your Card Before Anything Else
⏱ Every minute a stolen card stays active is a window for fraudulent transactions. Allied Bank gives you three ways to block a card instantly choose the one you can access right now.
Open the myABL mobile banking app, log in and navigate to Cards > Debit Card Services. Select the stolen card and choose either a temporary block or a permanent block. A permanent block is the right choice if the card has been stolen rather than misplaced.
The app is available 24/7 on Android and iOS, and the block takes effect immediately. This is the fastest route if your phone is with you.
Call Allied Bank’s 24-hour phone banking service:
Call from your registered mobile number where possible, as this speeds up identity verification. A phone banking agent will block the card on the spot.
Security note: If Allied Phone Banking needs to call you back, the official incoming number will display as 1222. Never share your 4-digit ATM PIN, CVV or OTPs with anyone on a call, regardless of who they claim to be.
Log into myABL internet banking on any browser, go to card management and execute an instant block. This option works well if you are at a computer and cannot access the app.
Dispute Unauthorised Transactions
Once the card is blocked, check whether any fraudulent transactions occurred before you reported the loss. Under ABL’s Zero Loss Liability policy, you are protected against charges made after your report — but transactions that went through before the block are subject to dispute and investigation.
Here is what to do:
The Allied Bank Visa Debit Card Terms and Conditions require you to report irregularities within seven days of the transaction or the date of the account statement, whichever comes later. Delay weakens your claim, so act within this window.
Keep a record of the date and time you reported the card as stolen, the agent’s name or reference number if you called the helpline, and screenshots of suspicious transactions. ABL’s dispute team may ask for this information during the investigation.
Request a Replacement Card
With the stolen card blocked, the next step is getting a new one. Allied Bank offers several options.
Activating Your New Card
Once the replacement card arrives, activate it through one of the following:
Activation options:
- An ABL biometric ATM using your thumb impression
- The self-card activation service on ABL’s website
- The myABL app under card management
- The Allied Bank Helpline at (042) 111-225-225
Important: Do not use the old card after reporting it stolen, even if it turns up later. Cut it in half through the magnetic strip and return it to your branch.
What the Zero Loss Liability Policy Covers
Allied Bank’s Zero Loss Liability policy means you are not held responsible for fraudulent transactions made after you report your card as lost or stolen — provided you follow the reporting process correctly.
Protection depends on two conditions: you must report the loss promptly, and you must not have shared your PIN or OTP with anyone. If a card is used fraudulently because the PIN was disclosed, the bank’s liability policy does not apply. This is why protecting your credentials matters as much as blocking the card itself.
For a full breakdown of your rights and responsibilities, refer to ABL’s debit card guidelines and the card-specific protecting your payment cards page.
How to Protect Yourself Going Forward
Reporting a stolen card in Pakistan is the immediate fix. Preventing a repeat requires a few standing habits.
Frequently Asked Questions
Q. How do I block my Allied Bank debit card if my phone is stolen too?
Call the Allied Bank Helpline at (042) 111-225-225 from any phone — a family member's, a colleague's or a public phone. You do not need your registered number to report a stolen card, though identity verification may take slightly longer. Alternatively, visit any Allied Bank branch with your CNIC.
Q. Will I get my money back if someone used my stolen card before I blocked it?
ABL investigates all disputed transactions. Under the Zero Loss Liability policy, unauthorised charges made after you report the card are covered. For transactions that occurred before the report, you need to raise a formal dispute via the Claim/Refund Request Form within seven days. Each case is assessed individually.
Q. How long does it take to receive a replacement debit card from Allied Bank?
Timelines vary depending on whether you request delivery to your mailing address or collect from a branch. Branch-based instant issuance is the fastest option if available at your nearest location. Contact the helpline or visit a branch for current lead times.
Q. Is there a fee for a replacement card?
Charges for replacement card issuance are outlined in ABL's Schedule of Charges. These are subject to revision, so verify the current fee before requesting a replacement.
Q. What number calls me if Allied Bank's phone banking needs to verify my identity?
If Allied Phone Banking initiates a callback for identity verification, the number that displays on your phone will be 1222. Do not share any financial credentials on incoming calls from any other number claiming to be Allied Bank. If your Allied Bank card has been stolen, start with the myABL app or call (042) 111-225-225 right now. The sooner the card is blocked, the narrower the window for any fraudulent use. For 24/7 digital card management, download the myABL app from the Google Play Store or Apple App Store. ind one near you.
Disclaimer:
The information in this article is for general guidance only. Allied Bank's card policies, charges and dispute procedures are subject to change. For the most current terms, refer to the official Allied Bank Visa Debit Card Terms and Conditions available at www.abl.com. Profit rates and fee structures are governed by ABL's Schedule of Charges and applicable State Bank of Pakistan (SBP) directives.