The expert talked about a way to quickly remove the lock from a bank card.

Visiting a bank branch when the card is blocked is not always the fastest way to solve the problem. This was announced on April 24 by Sergey Elin, an expert on financial and legal security at the Moscow branch of Opora Russia.

"In 2026, the term "rapid lifting of restrictions" should mean "second-hand" scoring (confirmation via a trusted device or biometrics), rather than physical movement of the client. If the bank requires a personal visit with a false lock, this is a reason to change the bank," the expert explained in an interview with the Prime agency.

According to him, if the PIN is entered incorrectly three times, the client will actually have to visit the office of a financial institution with a passport. However, in case of fraud-blocking or detection of suspicious transactions, modern banks offer to use remote verification tools. These include confirmation via Gosuslugi, a call using a voice cast, or a selfie with a passport.

The specialist recommended that you always have a backup card in a technological bank that supports remote identity verification methods. According to Yelin, the availability of such a tool is the only real protection against unforeseen account restrictions.

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