when you get a new debit card does the card number change

When You Get A New Debit Card, Does The Card Number Change: Cards Explained

You should know the basics of how debit cards work if you’re using one. That way, you’ll be able to avoid any unexpected card declines while shopping, and you’ll be less susceptible to debit card fraud. There is a lot of essential information about debit cards out there, and you should try to get a grasp on most of them if you want to avoid debit card misuse. Here, you can find the answers to all of your questions, including When you get a new debit card, does the card number change?

There’s a high chance that debit and credit cards hold most of your money. You use them to pay at restaurants, receive your salary, and shop online. But, how much do you really know about how debit cards work?

What Is a Debit Card?

In short, debit cards are banking cards that are directly connected to your bank account. Debit cards, and cards in general, are a huge invention in the banking industry. Can you imagine going to the bank every time you want to withdraw money? It’s hard to believe, but not that long ago, people actually did that.

Nowadays, transactions are as simple as one swipe of a card. Once you have money in your bank account, you can spend it wherever you want or withdraw it at the nearest ATM. The amount you spend will be deducted from your account immediately.

Does a Debit Card Cost Money?

If you’ve decided that a debit card is a good idea, you’re probably thinking about how much it’s going to cost you. That can range anywhere from nothing to $15 a month or more, and it depends on several things.

First, it varies based on account maintenance fees. Although some debit cards are free, you’ll most likely have to pay a monthly maintenance fee, which is roughly $10–$15 a month.

Secondly, you should pay attention to ATM fees. If you use an ATM that’s within your bank’s network, you won’t have a problem with ATM fees. However, if you go out-of-network, the fee can be about $4 or $5 per withdrawal.

Lastly, some debit cards will charge you a transaction fee. That means your bank will add a small fee to each transaction you make.

Why Do Debit Cards Expire?

Renewing your debit card every couple of years can be a hassle. You may be wondering why you have to do it, even though you’ve used the same card from the same bank for years. However, there’s an excellent reason you have to renew your card so often.

The main purpose of card expiration is to prevent debit card fraud. With technology developing so quickly, card readers and debit cards need to keep up. You know how much technology has evolved in as little as two years. If debit cards and card readers didn’t evolve with it, they would be highly susceptible to fraud.

Additionally, the expiration date can be information you might have to present when using your debit card. In that case, it’s a verification method, along with your debit card number and the CVV number. It’s another way to make sure you are the owner of the card. That way, you reduce the risk of debit card fraud.

How Will You Know if Your Debit Card Expired?

If you want to know when your debit card expires, there’s a simple way to find out. The expiration date of your debit card is printed directly on it. It’s usually located below the card number in the mm/yy format. If the number is, for example, 12/22, that means your card expires in December 2022.

However, that does not mean your card expires at the beginning of the month written on your card. You can use your card until the end of the month. In the example given above, that means you can use your debit card until December 31st, 2022.

Will a Debit Card Work Once It Expires?

You cannot use your debit card past the expiration date. That’s why you need to notify your bank in the months leading up to the expiration, so they can send you a new debit card before your old one expires.

Will Your Debit Card Have the Same Pin Once It Expires?

If you’re wondering, When you get a new debit card, does the card number change, you’re probably also wondering what happens to your PIN once your card expires. In most cases, your PIN will stay the same once you get a new debit card if it’s from the same bank. That can be a relief, as many people are scared they’ll mix up the old PIN with the new one and accidentally lock themselves out of their own debit card. The only time your PIN is likely to change is if you’re switching banks or if someone stole or tampered with your card.

When You Get a New Debit Card, Does the Card Number Change?

If you’ve ever linked your debit card with anything, be it PayPal or Uber, you must be wondering, When you get a new debit card, does the card number change? Well, you’re in luck. In most cases, your card number will stay the same. The only thing that changes when you get a new card is the CVV (Card Verification Value) number that’s on its back.

Your Card Number Will Change If:

• You were a victim of identity theft or someone stole your debit card.

If you lose your card or someone steals it, the next logical step would be to close the bank account and open a new one. Since you can’t open a new bank account and still keep the same card number, your debit card number will change in this scenario. However, this is better than the alternative. You don’t want someone out there knowing your debit card information, as they are likely to misuse it.

Unlike a stolen or misplaced debit card, identity theft can be hard to notice. You should pay attention to your transactions and contact your bank immediately if you notice anything out of the ordinary. Your bank will likely freeze your account and open a new one. If that happens, you will get a new card number, along with a new PIN and CVV number.

• You want to change the bank through which you’re using the debit card.

If you want to change banks and are wondering, When you get a new debit card, does the card number change, that’s something you should take into account. If you’ve decided to change banks once your debit card expires, you should keep in mind that you will need to open a new bank account. That means all your banking information will be new, including your debit card number and PIN. Thus, you will need to update every account that is connected to your debit card.

What Should You Do Once You Get a New Debit Card?

If you’re wondering, When you get a new debit card, does the card number change, you’re probably thinking about the hassle of activating your card and everything that goes with it. However, even though it’s inconvenient, doing this is essential for your financial protection. Here’s what you should do once you get a new debit card:

• Dispose of your old debit card.

You shouldn’t simply throw away your old debit card or put it somewhere and forget about it. It’s better to cut it into small pieces or to shred it. It’s especially important to do that if your new debit card has the same card number as your old one.

• Activate your new debit card.

With your new debit card, you will receive an activation number. You can activate your card by calling the number and following the instructions. Most of the time, you activate your card once you insert your card number, your CVV, and your PIN in a designated field on the bank’s website. Alternatively, you can go to your bank and activate your card there, if you’re unsure about doing it by yourself.

• Update any accounts associated with your debit card.

Updating your accounts is a nuisance, but it’s something you have to do. Make sure not to miss any important accounts. You don’t want to learn your gym membership has been canceled because of an unpaid membership once you’re already there, right? Alternatively, you could update accounts associated with your checking account, as your checking account number doesn’t change once your card expires. That way, you won’t have to update your accounts the next time your card expires.


Hopefully, you have the answer to the question, When you get a new debit card, does the card number change? Unless you lose your credit card or someone steals it, the card number should stay the same. However, you should still update your accounts once you’ve received your new debit card. By doing that, you’re minimizing the chances of identity theft.

Similar Posts