How to unblock your Bank account or ATM card


In this article, you will know how to unblock either ATM or Bank account in case it is blocked by the Bank with or without advance notification to you. Also, know about Re-KYC.

You might have received advance notification from your Bank for Re-KYC or perhaps not but suddenly your account might have got blocked by the Bank, Thus you are unable to transact or pay anyone using online Banking or a related App such as Google Pay, PhonePe, PayTM and on.

steps for unblock bank account

Image courtesy: Quora/123rf


Your Bank account receives money from others without any issue but you find that you are unable to withdraw (from ATM) or pay using a cheque or an App or through online banking payment etc. You might get irritated about this or you might be just blank without any idea what to do next for this, other than easy steps, such as calling customer care or sending an email, or using social media and other complaint avenues, which hardly works and wastes time. The ground reality would be different in real so it won't be solved by any online sources or phone calls etc.

What to do next? Below are some useful guidelines, but also understand thoroughly as to which customer care or online source also won't help you much.

What is Re-KYC?

In general, we know KYC (the Know Your Customer form from the Bank to fill up) and don't know about Re-KYC though it is similar. What we recently come to know about the Re-KYC (Re Know Your Customer) process is, since KYC (earlier filled up one) is valid for how many year/s is/are, RBI (Reserve Bank of India) has issued the directives that customer identification data, including photographs, shall be updated and kept on record duly verified at least once in 10 years in case of a Low-Risk Customer, once in 8 years for Medium Risk customers and once in 2 years in case of High-Risk Customers.

So, what you have to do first is to try to reach your respective bank and contact either the Branch Manager or Receptionist to let them know about the account block that happened recently. (Don't waste your time using social media or email or customer care calls etc. for this.) You need to carry your Bank Passbook, Aadhar card (original and xerox copy), PAN card (original and xerox copy) to get the KYC form from them to fill up and attach the stated copies along with the forum duly signed by you to verify the Bank representative.

These documents need to be submitted to the teller/counter where they guide you to get the sign and further process. In case of the address or other detail changed on this (8 to 10) duration then nothing to worry about, update the latest one on Re-KYC showing as per the latest Aadhar or other document submissions.

Within a few minutes of submitting the mentioned documents and verified/processed/approved by the Bank authorities, your phone will get an SMS on this (KYC updated), and you would get an Email (if given) notification on the latest change/update (beside unblocking your account). You can safely transact or pay anyone from there onward.

Hope this article helped you. If you have any queries, you can post them in the comment box below.

You can also check the article on how to write a letter to the Bank to reactivate the bank account for an inoperative/dormant one.


Article by Hafeezur Rahman
Hafeezur Rahman has joined ISC in 2009 and he is a Job Editor at ISC since 2010, he also a Blogger. Hafeez continue to contribute in various sections of ISC and its sister sites like Techulator, NewRecruitments & Goaspider etc. He is a renowned feature writer & social enthusiast. He loves to write in a simple manner and share his visionary write-ups with the readers on the topics related to his field of interests and different niche. All his write-ups have been popularly read & shared by global readers.

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