How to order a new bank card
You can order a new debit card or credit card through your bank's website, mobile app, or by calling the customer service number on the back of your current card. Most banks send the new card to your mailing address within 7 to 10 business days. If your card is lost, stolen, or damaged, the bank will usually deactivate the old one when ready so no one else can use it.
The process is straightforward because banks handle card orders constantly. You don't need to visit a branch in person — the whole thing can happen from your phone or computer in a few minutes.
Key Takeaways
- You can order a replacement card online, through your bank's app, or by phone without visiting a branch.
- If your card is lost or stolen, call your bank right away so they can freeze it and prevent unauthorized charges.
- A standard replacement card arrives in 7 to 10 business days, but expedited shipping (usually for a fee) can get it to you in 2 to 3 days.
- Your new card will have a different number than your old one, so you'll need to update any automatic payments or subscriptions that charge to that card.
- Once your new card arrives, you may need to set up it by calling a number on the card or using your bank's app before you can use it.
Ordering through your bank's website or app
Log into your online banking account or open your bank's mobile app. Look for a section labeled "Cards," "Debit Card," "Credit Card," or "Account Services." Click on the card you want to replace, and you should see an option to "Order a New Card" or "Replace Card."
The bank will ask you to confirm your mailing address — this is where the new card will be sent. Double-check that the address is correct. If you've moved recently and haven't updated your address with the bank yet, do that first before ordering the card. Once you confirm, the order is placed and you'll see a confirmation number on the screen. Write it down or take a screenshot.
Some banks offer expedited shipping for a fee (usually $10 to $25). If you need the card urgently, this option will show up during the ordering process. Standard shipping is free.
Ordering by phone
Call the customer service number on the back of your current card. A representative will verify your identity by asking for your name, account number, and sometimes the last four digits of your Social Security number or a PIN you set up.
Tell them you want to order a new card. They'll confirm your mailing address and ask whether you want standard or expedited shipping. They'll also tell you when to expect the card to arrive. Ask them for a confirmation number before you hang up.
If your card is lost or stolen, mention that when you call. The bank will deactivate the old card when ready, which stops anyone from using it. You won't be able to use that card again, even if you find it later.
What happens after you order
Your new card will arrive in an envelope from your bank. It usually comes with a letter explaining how to set up it. The card itself may arrive with a sticker or label telling you to call a number or use the app to set up it before using it.
set up is quick — you'll either call an automated number and follow the prompts, or open your bank's app and tap "set up Card." Some banks set up the card automatically as soon as it arrives, so check your app or call customer service if you're not sure.
Once the card is active, you can use it when ready at ATMs, in stores, and online. The old card will stop working at the same time.
Updating automatic payments and subscriptions
Your new card has a different number than your old one. If you have automatic payments set up — like a gym membership, streaming service, insurance premium, or utility bill — those will fail when the old card expires or is replaced.
Make a list of every service that charges your card each month. Log into each account and update the payment method with your new card number. You can find your new card number on the front of the physical card, or in your bank's app under "Card Details."
Do this as soon as your new card arrives so you don't miss a payment. Missing a payment can hurt your credit score and may result in late fees or service interruption.
If your card is lost or stolen
Call your bank when ready — don't wait. The number is on your statement, on your bank's website, or you can search online for "[Your Bank Name] customer service." Tell them your card is lost or stolen. They will deactivate it right away.
Ask the bank to check your recent transactions for any charges you didn't make. If you see fraudulent charges, report them. Federal law limits your liability for unauthorized charges, but you need to report them promptly. Your bank will investigate and usually remove the fraudulent charges from your account.
Then order a replacement card using the methods described above. The bank may offer expedited shipping at no charge if your card was stolen, so ask about that.
Replacement cards for different situations
If your card is damaged — bent, cracked, or the magnetic stripe doesn't work — you can order a replacement the same way. The bank treats a damaged card like a worn-out card and will send you a new one at no charge.
If you want an additional card on the same account (for a family member or a second card for yourself), that's a different process. You'll need to contact your bank to add an authorized user or request a second card. Some banks allow you to do this online; others require a phone call.
If you're closing an account and want to cancel your card instead of replacing it, you can do that through your bank's website or by calling customer service. They'll deactivate the card and confirm the cancellation.
Frequently Asked Questions
How long does it take to get a new card?
Standard delivery takes 7 to 10 business days. Expedited shipping (usually $10 to $25) takes 2 to 3 business days. Some banks offer rush delivery for stolen cards at no charge. Ask your bank what options are available.
Can I use my old card while I wait for the new one?
Yes, unless your card is lost, stolen, or damaged. If you ordered a replacement because your card is worn out but still works, you can keep using the old card until the new one arrives. Once the new card is activated, the old one stops working.
What if my new card doesn't arrive?
Contact your bank and give them the confirmation number from your order. They can check the status and resend the card if it was lost in the mail. If the card was sent to the wrong address, you may need to update your address and order again.
Do I have to go to the bank in person to get a card?
No. You can order online, through the app, or by phone. The card will be mailed to you. Some banks offer in-branch pickup, but you have to ask about that option when you order.
Will ordering a new card affect my credit score?
No. Ordering a replacement card is not a hard inquiry and does not affect your credit. Your credit score only changes based on how you use credit and pay your bills, not on ordering a new card.