Can you block debit transactions?

Asked by: Hailey Ankunding  |  Last update: November 28, 2025
Score: 4.3/5 (72 votes)

Card locking is a feature many debit or credit card issuers offer today. It allows you to freeze your card or account temporarily and block further charges. Locking your debit card will typically prevent new transactions but leave automatic payments, such as bills, bank fees, and subscriptions, enabled.

Can I block certain transactions on my debit card?

Yes, if you have the “Send Alerts” setting set to Preferred Transactions, you'll be able to block and unblock specific merchants or types of transactions.

Can I block a company from debiting my account?

Call and write the company

Call the company and tell them you are taking away your permission for the company to take automatic payments out of your bank account. The company's customer service should be able to help you, and there might be an online form you can use. Then, follow up by writing a letter or an e-mail.

How can I stop a transaction on a debit card?

How do I stop a pending debit transaction? You can stop a pending debit card transaction by contacting the merchant and canceling the purchase. Or you can try contacting your bank if you don't recognize the transaction, you suspect fraud is involved, or the merchant is unresponsive.

Can I tell my bank to block a transaction?

To stop payment, you need to notify your bank at least three business days before the transaction is scheduled to be made and your bank may charge a fee. The notice to stop the transaction may be made orally or in writing. A bank can require written confirmation of an oral stop payment request.

Can you transfer money if your card is blocked?

20 related questions found

How to stop unauthorized debits from a bank account?

Use Online Banking

Select your debit order account and then 'My Debit Orders'. A list of your debit orders will be displayed. Select the reason for disputing the debit order and then select 'Reverse' or 'Stop'.

Can I block a merchant from charging my card?

You can block a merchant from charging future payments to your card at any point. However, you should always contact the business first to cancel a recurring payment or subscription before contacting your card issuer.

Can I block an automatic payment on my debit card?

You can stop automatic payments coming out of your account by contacting the company or your bank, or by using a subscription cancellation service.

Can you block out transactions on bank statement?

Redacting a bank statement is the process of hiding or blocking out sensitive information in a document before sharing it with third parties. This is typically done by placing black bars or boxes over the said details, effectively ensuring that no third party can access them.

Does locking your debit card stop transactions?

When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card.

Can you block someone from debiting your account?

Call and write your bank or credit union. Tell your bank that you have “revoked authorization” for the company to take automatic payments from your account. Click here for a sample letter. Some banks and credit unions may offer you an online form.

How to disable online purchase with debit card?

Sign into the Banking App, navigate to the card you're using, select 'Card Settings' and disable the transactions you don't want to use. You can also call us on 0860 000 0000 or visit your nearest branch.

Does freezing your card stop pending transactions?

In general, locking your debit card won't stop transactions that were made and authorized before you locked it but are still pending. In other words, if you made a purchase that's pending, then locked your debit card before it completed, that transaction should still go through.

Can I block a company from my debit card?

To stop any reoccurring transaction on your debit card, you must contact the merchant (company) directly to make other payment arrangements. If the transaction has already been authorized (pending) it is unable to be stopped from the Credit Union.

Can I put restrictions on a debit card?

Luckily, debit card controls can be used to temporarily freeze (or enable) your card, set alerts or set card controls such as blocking all international transactions or setting dollar amount limits. All alerts and controls take effect immediately upon updating.

Will the bank tell me who used my card?

Can You Track Someone Who Used Your Credit Card Online? No. However, if you report the fraud in a timely manner, the bank or card issuer will open an investigation. Banks have a system for investigating credit card fraud, including some standard procedures.

Can I block certain transaction on my debit card?

Yes. Using the "Transaction Type" tab within the "Controls and Alerts" section, you can set blocks for specific types of transactions such as ATM, online, mail/phone order, and other types of transactions.

How can I stop a debit transaction?

You can cancel a registered debit order by visiting your nearest branch before the first debit. You can dispute a registered debit order if it does not match the term and conditions that you agreed to. However, you should also contact the provider to stop the contract to avoid being debited in the future.

How do I block a bank transaction?

Blocking or reporting unauthorised (those not done by you)...
  1. Login to NetBanking using your customer ID & password click here.
  2. Click on "Card" tab.
  3. Select "Request" under Credit or Debit Card, whichever applies.
  4. Select "Credit Card hotlisting" or "Debit Card hotlisting" whichever applies.

How do I stop a payment being taken from my debit card?

Stopping a card payment

You can tell the card issuer by phone, email or letter. Your card issuer has no right to insist that you ask the company taking the payment first. They have to stop the payments if you ask them to. If you ask to stop a payment, the card issuer should investigate each case on its own merit.

How do I block a direct debit payment?

Cancelling your direct debit in a branch

You can visit us in a branch or at a business banking centre to cancel a direct debit. You'll need to fill out and submit the direct debit cancellation form to us when you're in the branch.

How do I block my debit card from being used?

The procedure of how to block Debit Card by Phone Banking is:
  1. Call up the bank and authenticate yourself.
  2. Authenticate and confirm the Debit Card details.
  3. The Phone Banking customer executive may ask you for some security questions. ...
  4. Once confirmed, the customer executive will block your Debit Card.

How do I stop an automatic payment?

There are a few different ways you may be able to stop or alter your automatic payments, such as:
  1. Contact each company you're trying to cancel payments with. ...
  2. Contact your bank or credit union. ...
  3. Use a stop payment order to halt automatic payments immediately. ...
  4. Use an app to track your payments.

How do I stop a merchant transaction?

To cancel a pending transaction, call the merchant or retailer on your statement. If you suspect fraud, call your issuer or bank immediately.

Does blocking your card stop payments?

Temporarily blocking your Card prevents it from being used for new purchases. However, recurring bills, such as subscriptions or monthly bills, will post to your account as usual.