Report a Lost or Stolen Wallet

Notify Wells Fargo of your missing personal or business credit, debit, ATM and prepaid cards or checks.

Having your wallet lost or stolen can be challenging. We're here to help you every step of the way.

If your wallet is lost or stolen, immediately let us know so we can help protect your account from unauthorized transactions.

Wells Fargo can help with your immediate financial needs. Customer service representatives are ready to help you 24 hours a day, 7 days a week.

Product Phone Number
Personal credit, debit, ATM, and prepaid cards, or checks 1-800-869-3557
Business credit, debit and ATM cards 1-800-225-5935
Wells Fargo Visa® Gift Cards 1-877-855-8719

 Tip 

When traveling internationally, call us collect at 1-925-825-7600 (Personal Accounts) or 1-916-480-3190 (Business Accounts). Contact us internationally

Once you notify Wells Fargo of your lost or stolen card, we will issue you a new ATM/debit, prepaid and/or credit card with chip technology. Your replacement card will contain a new card number and expiration date. Your new card(s) can be mailed to the card address on file or to a one-time shipping address if you are traveling. Learn more about chip cards.

For lost or stolen checks, visit a Wells Fargo branch or call 1-800-TO-WELLS (1-800-869-3557). A Wells Fargo banker will work with you to take the appropriate action on your account and order any new checks needed.

What if I don’t have other payment options in the meantime?

Traveling soon or need access to your funds sooner? If you cannot wait for your replacement card to arrive, we offer a variety of solutions to meet your needs. 

Instant issue debit card

A Wells Fargo Instant Issue Debit Card comes with all of the same features and benefits of your permanent card and offers an immediate, secure, and convenient way to access your money until your permanent card arrives.  Visit a Wells Fargo branch to receive an instant issue debit card, which can be used immediately once we verify your identity.  You may use your card for up to 30 days, or until you activate your new debit card, whichever comes first.

Rush service for credit cards

In a hurry or traveling soon? We understand that you may need your credit cards sooner than our standard delivery. Contact Customer Service to discuss rush processing options based on your need. We may be able to replace your card in as little as 24 hours (additional fees may apply).

If you’re already enrolled in card alerts, we will do our best to automatically transfer your alert subscriptions to your new card number. To verify your current alerts subscription at any time, sign on to Wells Fargo Online®, and select Manage Alerts through the More menu.

If you’re not already enrolled, consider signing up for card and account alerts to stay informed about activity on your account. Get timely informative alerts on your smartphone or through email. Credit, ATM/debit, and prepaid alerts are free from Wells Fargo. However, your mobile carrier's text messaging and data charges may apply.

Get the alerts that are important to you

ATM/debit card, prepaid card, and account alerts

Alerts supplement the current fraud detection measures Wells Fargo has in place. We regularly review your accounts for out-of-pattern activity. Choose to be notified when:

  • A suspicious transaction or unusual activity is detected on your account
  • Your balance is above or below an amount you specify
  • A withdrawal, deposit or check posts to your account
  • Your daily ATM withdrawals or debit card purchases exceed an amount you choose

Set Up ATM/Debit Card, Prepaid Card, and Account Alerts

Credit card alerts

Get real-time updates on activity that occurs on your Visa® or American Express® credit card. Receive notifications by email, text message, or push notification for a variety of transaction types including:

  • Purchases exceeding a set amount
  • Cash advances at ATMs
  • Purchases at a gas station
  • Foreign transactions
  • Online, phone, or mail purchases

Set Up Credit Card Alerts

How do I report a lost or stolen ATM/debit, or prepaid card?

Report lost or stolen cards immediately to Wells Fargo online, from your Wells Fargo Mobile® app, or by calling us. For personal debit or prepaid cards, call 1-800-TO-WELLS (1-800-869-3557). For business debit cards, call 1-800-CALL-WELLS (1-800-225-5935). You may also visit your local branch to speak with a banker. If you lose your card while traveling outside the United States, call us collect at 1-925-825-7600 for personal cards or 1-916-480-3190 for business cards and then follow the voice instructions.

Wells Fargo will send a card shipped alert to you when your new replacement card is mailed. If you pay bills with your card, this alert will include a list of merchants with whom you may have set up recurring payments in the past twelve months such as your cell phone, cable, or utility company. Please be sure to provide your new replacement card number and expiration date to these merchants to avoid any disruption in service.

When you receive your new card in the mail, please activate it immediately.

How do I report a lost or stolen credit card?

If your credit card is lost or stolen, you can report it online, from your Wells Fargo Mobile® app or by calling us at 1-800-869-3557

Please note: When you report your credit card as lost or stolen, you will receive a new card with a new account number.

Please continue to make payments as usual except for amounts in dispute. If you are enrolled in Automatic Payment or Overdraft Protection services, these services may be temporarily unavailable for up to 72 hours while we set up your new account.

When will my permanent card arrive in the mail?

Your permanent card will arrive in the mail within 5 to 7 calendar days. Once you receive your permanent card, please activate it. 

For ATM/debit cards and prepaid cards, you can start using it with your existing PIN. If you obtained an instant issue debit card, please be sure to destroy it once you activate your permanent card. 

If you do not receive your permanent card, please call us. Bankers are available to assist you 24 hours a day, 7 days a week.

How do I report lost or stolen checks?

Visit a Wells Fargo branch or call 1-800-TO-WELLS (1-800-869-3557) for personal accounts or 1-800-CALL-WELLS (1-800-225-5935) for business accounts to report your checks lost or stolen. 

A Wells Fargo banker will work with you to take the appropriate action on your account and order any new checks needed.

How do I activate my new Wells Fargo card?

You may activate your new card by calling the number located on the sticker affixed to the front of your replacement card.

For ATM/debit and prepaid cards, you can also activate your card by using it at any Wells Fargo ATM and entering your Personal Identification Number (PIN).

For consumer credit card, you can also activate your card online.

Why doesn’t the instant issue debit card my banker gave me contain my name?

The instant issue debit card is specially prepared for Wells Fargo customers to provide immediate access to the money in your account. Merchants can verify card ownership by checking your signature on the back of the card against your identification.

What if I’m an Apple Pay® or Android PayTM customer and lost my Wells Fargo Debit, Prepaid or Credit Card?

Please call Wells Fargo immediately at 1-800-869-3557 for personal debit or prepaid cards or 1-800-225-5935 for business debit cards and mention that you are a mobile wallet customer. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from your device.

What if there are unauthorized transactions on my card?

Your Wells Fargo Credit, Debit, ATM and Prepaid Cards are covered by Zero Liability protection at no extra cost. If your card or card number is ever lost, stolen or used without your authorization, you are not responsible for promptly reported unauthorized card transactions. 

Please see your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions.

How do I turn my ATM/debit or prepaid card on or off?

If you have misplaced your card and need time to find it, you can temporarily turn your card off to help prevent unauthorized card transactions. When you find it, you can easily turn your card back on. Sign on to Wells Fargo Online or log into your Wells Fargo Mobile app to access Turn Card On or Off. You can also call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit or prepaid cards. For business debit cards call 1-800-CALL-WELLS (1-800-225-5935).

If you think your card has been lost or stolen, you can order a replacement card online, from your Wells Fargo Mobile app or by calling us. For personal cards call 1-800-869-3557. For business cards call 1-800-225-5935.

Zero Liability protection

Wells Fargo Credit and Debit Cards come with Zero Liability protection at no additional cost to you.  If your card or card number is ever lost, stolen or used without your authorization, you are not responsible for promptly reported unauthorized card transactions.