Report a Lost or Stolen Wallet – Wells Fargo

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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.

To replace your damaged, lost, or stolen Wells Fargo Debit or Credit Card, please sign on to Wells Fargo Online or www.wellsfargo.com/replacemycard to request your new replacement card online.  It’s quick and easy and you will receive your new card in 5-7 calendar days.  If your current card was customized via the Card Design Studio® service, your replacement card will have the same image.

If you suspect fraud or unauthorized transactions on your account and need to file a claim, please contact us immediately.

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

 Tip 

When traveling internationally, call us collect at 1-925-825-7600 (Personal Accounts) or 1-916-480-3190 (Business Accounts). View our list of international access codes.

Once you notify Wells Fargo of your lost or stolen card, we will mail you a replacement card. Your replacement card will contain a new card number and expiration date. Your new card can be mailed to the address you established with us, or to a one-time shipping address if you are traveling.

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?

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

The Wells Fargo Instant Issue Debit Card is a temporary card that offers a convenient way to make purchases and access your money until your permanent card arrives. It is available for consumer and business debit cards, and for Wells Fargo EasyPay Cards.

Visit a Wells Fargo branch to request an instant issue debit card (or Wells Fargo EasyPay Instant Card).

If you have requested a new permanent card be mailed, the instant issue debit card is active up to 30 days or until you activate your replacement card received by mail, whichever occurs first.

Please note: The instant issue card does not have a chip, so you may not be able to use it when traveling internationally at some locations that do not have the option to use a magnetic strip.

Digital Wallets

If you have already added your eligible Wells Fargo Debit Cards to Wells Fargo supported digital wallets, you may be able to continue to use your digital wallets while you wait for your replacement card to arrive. You may use your digital wallets to make purchases in stores, online or in apps or access any Wells Fargo ATM by tapping on the Contactless Symbol.

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 transfer your alert subscriptions to your new card number. To verify your current alerts subscription at any time, sign on to Wells Fargo Online® or Wells Fargo Mobile® app, and choose an account for which you want to add or edit alerts.

Consider signing up for card and account alerts to help stay informed about activity on your account. Get timely informative alerts on your smartphone or through email.

Get the alerts that are important to you

ATM/debit card, prepaid card, and account alerts

You can choose to be notified when:

  • Your balance is above or below an amount you choose
  • A withdrawal, deposit, or check posts to your account
  • A foreign purchase or foreign ATM withdrawal with the card exceeds an amount you choose
  • An online, phone, or mail purchase with the card exceeds an amount you choose
  • Your card transaction is declined for select reasons

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

Credit card alerts

Get important reminders and timely updates when activity occurs on your Visa® or American Express® credit card. Receive notifications by email or text message for a variety of activities to help you monitor and manage your account, including:

  • Payment due and posted
  • Approaching credit limit
  • Purchases exceeding a set amount
  • Foreign transactions
  • Online, phone, or mail purchases

Set Up Credit Card Alerts

24/7 fraud monitoring

We regularly review your accounts for unusual activity. If you receive an alert from us for potential suspicious card activity, review and respond promptly to verify the transactions. You do not need to enroll to receive this alert.

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.

As an active Online Banking customer with a valid primary email address, 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 using your card 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 Personal Identification Number (PIN). If you obtained an instant issue debit card, and a new permanent card is being sent to you, please be sure to destroy the instant issue debit card once you activate your permanent card. 

If you do not receive your permanent card by mail, 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 debit and prepaid cards, you can also activate your card online or by using it at any Wells Fargo ATM.

For personal credit cards, you can also activate your card online.

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

To replace lost or stolen cards, sign on to Wells Fargo Online, or via www.wellsfargo.com/replacemycard. Your eligible digital wallet will be updated as part of the card replacement process. If you suspect fraud or need to file a claim, please contact us 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 digital 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 lost, stolen, or used without your authorization, you are not held responsible for any promptly reported unauthorized card transactions.

How do I turn my ATM/debit, prepaid, or personal credit 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, prepaid, or credit 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 via www.wellsfargo.com/replacemycard. You can also contact us by phone. For personal cards call 1-800-869-3557. For business cards call 1-800-225-5935.

Zero Liability protection

Wells Fargo ATM, Credit and Debit Cards, and Wells Fargo EasyPay® 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 will be reimbursed for any promptly reported unauthorized card transactions.