Many travelers withdraw cash from ATMs using their credit cards.
In Sri Lanka, the exchange rate for foreign currency to Sri Lankan rupees via overseas cash advances (credit card withdrawals at ATMs) is often quite unfavorable compared to exchanging cash at a money exchange. Therefore, cash exchange is generally recommended. However, due to its convenience, many people still opt for ATM withdrawals.
That being said, a rare but urgent issue that sometimes arises is:"My card got stuck in the ATM! What should I do?"
If a driver or guide is nearby, they can assist by checking with the ATM staff. However, in most cases, the issue is simply a misunderstanding of the ATM’s operation, and pressing the "transaction end" button will release the card.
However, if the card is truly stuck, it becomes a more serious matter. Below is an overview of how such cases are typically handled.
1: Bank Staff or Security Guards Cannot Resolve the Issue
Even if the ATM is located inside a bank or at an airport, bank employees are not authorized to open the machine. ATM maintenance is outsourced to external contractors.
For example, Abans, a well-known electronics and retail company in Sri Lanka, also handles some ATM maintenance contracts.
If the card is physically stuck in the ATM, the bank staff (for bank ATMs) must report the issue. For independent, unmanned ATMs, the customer must call the contact number posted on the machine to notify the maintenance team.
2: It Takes Several Days to Resolve
As the card owner, you will need to provide identification and fill out necessary forms.
A crucial point to note is that if you are a traveler moving to another region or returning home soon, immediate resolution is unlikely. According to bank staff, it generally takes around three business days for a technician to arrive and retrieve the card.
3: You Must Decide Whether to Retrieve, Destroy, or Ship the Card
If you are still in the area and your schedule allows, you can arrange to collect your card later. However, if you are unsure whether you will be able to retrieve it, you must indicate in the paperwork whether you want the card destroyed.
While international shipping via EMS or registered mail is possible for credit cards, banks do not handle international shipping themselves.
Final Thoughts
Recovering a card stuck in an ATM requires significant time and effort. To avoid unnecessary panic, it’s a good idea to ask yourself in advance:"What would I do if I lost this card?" (It might help!)
For added security, consider diversifying your payment methods while traveling. Many people now rely entirely on their smartphones for payments, but if something happens to your device, it could disrupt your entire trip.
I hope this information helps you prepare for a smooth and stress-free journey!
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