- Freeze the card immediately in the app or on the web: Cards → the card → Freeze. This blocks all new payments while you check.
- If you find the card, unfreeze it. If not, choose Report lost or stolen; the card is cancelled permanently and a replacement is ordered.
- Replacement physical cards arrive within three to five business days. A virtual replacement is available instantly.
If you see payments you did not make, report them as unauthorised (see Disputing a transaction) so we can refund you.