Losing a UMID card is stressful, especially when you use it for identification, SSS transactions, pension or benefit payments, or ATM withdrawals. The first thing to know is that the replacement process has changed. For most SSS members, replacing a lost UMID now means applying online for the MySSS Card, the new SSS functional ID and debit card issued through an SSS partner bank. The old advice about visiting an SSS branch with an affidavit of loss and paying a fixed ₱200 replacement fee generally refers to the former UMID program, not the current MySSS Card process.

Your exact steps depend on whether you lost a regular SSS UMID, an ATM-enabled UMID Pay Card, a MySSS Card, or a GSIS-issued UMID/eCard. An ATM-enabled card should be reported to the issuing bank immediately so that withdrawals and electronic transactions can be blocked.

What Replaced the Old SSS UMID Card?

The MySSS Card is the current SSS-issued functional identification card. It is linked to a savings account with an SSS partner bank or participating financial institution and can receive SSS pensions, benefits, loans, refunds, and other proceeds. It also functions as an EMV-enabled debit card. (Social Security System)

SSS Circular No. 2025-008 effectively discontinued the issuance of new generic UMID cards and UMID Pay Cards. The circular also repealed the earlier issuance governing the resumed acceptance of traditional UMID applications. Members with an old, damaged, or lost SSS or UMID card may instead apply for a MySSS Card.

Previously issued SSS and UMID cards have not automatically become invalid. They may still be used subject to the accepting institution’s rules. However, the MySSS Card is primarily an official SSS identification and financial card; other government offices and private businesses are not required to accept it in every transaction. The National ID remains the government’s foundational identification system. (Social Security System)

Which Replacement Process Applies to You?

Card that was lost	First office or institution to contact	Usual replacement route
Regular SSS UMID with no ATM function	SSS through the My.SSS portal	Apply for a MySSS Card through an available partner bank
SSS UMID Pay Card with ATM or debit function	The issuing bank immediately, then SSS or the partner bank	Block the card and request replacement under the bank’s policies, or apply for the current MySSS Card arrangement
MySSS Card	The partner bank that issued it	Report the loss and request card replacement under that bank’s rules
GSIS UMID or eCard	GSIS servicing bank, usually LandBank or UnionBank depending on the account	File the bank’s replacement form and comply with GSIS and bank requirements
Card that was never claimed, rather than lost	SSS branch or SSS Identity Management Department	Request release or transfer of the unclaimed card instead of applying for replacement

SSS Circular No. 2025-008 specifically provides that the replacement of a lost or damaged MySSS Card is governed by the policies of the issuing partner bank. A previously issued UMID Pay Card may likewise be replaced through the same financial institution.

Legal Basis for UMID and MySSS Card Issuance

The UMID system originated from Executive Order No. 420 of 2005, which directed government agencies and government-owned or controlled corporations to harmonize their identification systems. Executive Order No. 700 of 2008 later identified the SSS identification system as the core of the UMID program and directed SSS to implement the unified system. (Lawphil)

The SSS operates under Republic Act No. 11199, or the Social Security Act of 2018. This law gives the Social Security Commission and SSS authority to adopt rules necessary to administer the social security system and properly identify members, beneficiaries, employers, and claimants. (Lawphil)

The present MySSS Card program is governed more specifically by SSS Circular No. 2025-008 and the SSS Citizen’s Charter. The current system uses the National ID database to authenticate the applicant’s identity and obtain the photograph used on the card.

The National ID system was established by Republic Act No. 11055 of 2018, the Philippine Identification System Act. It covers Filipino citizens and resident aliens and provides a foundational method of identity verification for government and private transactions. (Lawphil)

Because the application involves sharing information among SSS, the National ID system, and the partner bank, the applicant must expressly consent to the collection, verification, retention, and sharing of relevant personal information. These processes remain subject to applicable privacy and security rules, including Republic Act No. 10173, or the Data Privacy Act of 2012.

How to Replace a Lost SSS UMID Card

1. Block the card immediately if it has ATM or debit functions

A regular UMID used only for identification cannot directly withdraw money. A UMID Pay Card or MySSS Card, however, is connected to a bank account.

Contact the issuing bank immediately and request that the card be blocked. Use only the bank’s official hotline, mobile application, website, or branch. Ask for a reference number and record the date and time of your report.

Check the account for:

ATM withdrawals you did not make
Online purchases
Fund transfers
Changes to your mobile number or email
Attempts to reset your banking credentials

Blocking the physical card does not necessarily close the underlying bank account. Ask the bank whether a new card can be linked to the existing account or whether a new account must be created.

2. Confirm that you qualify for a MySSS Card

Before starting the online application, you must generally have:

A permanent SS number
An active My.SSS Member Portal account
An updated mailing or home address
An updated Philippine mobile number and email address
A successful National ID registration
The same name and date of birth in both SSS and National ID records

Members, prior registrants, pensioners, beneficiaries, individual claimants, and representative payees may qualify if they meet the eligibility requirements. Applicants living abroad without a Philippine address may also qualify when the selected partner bank offers an appropriate service. (Social Security System)

A temporary SS number must first be changed to permanent status. This usually requires submission of a PSA birth certificate or another document accepted by SSS. (Social Security System)

3. Correct any mismatch before applying

The most common application problem is a mismatch between SSS and National ID records. Even a difference involving a middle name, suffix, married surname, or date of birth can prevent successful identity authentication.

Correct the record with the agency holding the inaccurate information:

For an incorrect SSS record, use the Member Data Change Request, SSS Form E-4, with the required supporting documents.
For an incorrect National ID record, request correction through an authorized National ID registration center.
For contact details, use the “Update Contact Info” function in My.SSS when available.
If SSS has no registered mobile number for you, submit Form E-4 at an SSS branch.

SSS allows many contact-detail changes online, but corrections involving a person’s civil status, name, date of birth, or permanent SS number ordinarily require supporting civil-registry or identity documents. (Social Security System)

Typical supporting documents may include:

PSA birth certificate
PSA marriage certificate
Annotated marriage certificate after annulment or declaration of nullity
Death certificate of a spouse
Court order approving a correction or change of name
Philippine passport
National ID or ePhilID
Alien Certificate of Registration for a resident alien

4. Apply through the My.SSS portal

Once your records are correct:

Log in to your My.SSS Member Portal.
Open the Services menu.
Select MySSS Card.
Review your contact and personal information.
Click Proceed.
Read and accept the consent for National ID eVerify authentication and use of your National ID photograph.
Complete the facial or “liveness” verification.
Choose from the partner banks or financial institutions displayed in the portal.
Review the bank’s product features, charges, and terms.
Consent to the necessary data sharing between SSS and the partner bank.
Submit the application.
Save the transaction number and confirmation notice.

The portal should send confirmation through your My.SSS inbox and registered email address. The list of participating banks may change, so rely on the choices actually displayed in your account rather than an old social-media post or unofficial guide.

5. Complete the partner bank’s account-opening procedure

Submitting the SSS portion does not complete the entire application. You must also comply with the chosen bank’s process.

Depending on the bank, you may need to:

Install the bank’s official mobile application
Visit a branch
Complete a separate selfie or facial scan
Present or upload identification
Provide your address and employment or income information
Accept the deposit account’s terms
Pay an applicable card fee

The partner bank may reject an application when the applicant does not satisfy its customer-identification or account-opening requirements. A bank rejection results in cancellation of the related application in SSS records.

6. Check the effect on your SSS disbursement account

This is particularly important for pensioners, benefit claimants, and members expecting loan proceeds.

Once successfully opened, the account linked to the MySSS Card automatically becomes your main SSS disbursement account. SSS benefits, pensions, loans, refunds, and other proceeds may be redirected to it. Previous accounts enrolled through the Disbursement Account Enrollment Module may be replaced as your default SSS account.

Before changing banks or closing an existing UMID Pay Card account, confirm:

Whether an SSS pension or benefit payment is pending
Whether a loan has already been approved for disbursement
Whether the old account has unresolved transactions
Whether the partner bank has already notified SSS of the account closure

An existing UnionBank UMID Pay Card holder who wants to shift to a different MySSS Card arrangement may have to close the existing bank account before a new card application can proceed. (Social Security System)

7. Wait for the card and monitor official notifications

The SSS Citizen’s Charter estimates that the portal portion of a complete application takes only about 12 minutes. This does not include bank verification, card production, delivery, or delays caused by record discrepancies. (Social Security System)

SSS’s published service targets state that the partner bank may release the card:

Within approximately 15 working days for Metro Manila
Within approximately 20 working days outside Metro Manila

These periods are generally counted after successful bank-account opening, not from the first time you log in to My.SSS. Holidays, failed delivery attempts, incomplete bank verification, incorrect addresses, or card-production backlogs may extend the actual waiting period. (Social Security System)

For status inquiries, contact the partner bank first because the bank produces and releases the physical card. Check your My.SSS inbox, email, SMS, and bank application regularly.

Documents, Fees, and Timelines

Item	Current SSS MySSS Card rule
Affidavit of loss	Not listed as a standard requirement for the online MySSS Card application; the issuing bank may require one for an ATM-enabled card replacement
SSS application form	Completed electronically through My.SSS
Paper identification submitted to SSS	None listed for the standard online application, because identity is checked through National ID eVerify
SSS processing fee	None
Partner-bank fee	May apply, depending on the bank’s terms
New photograph	Normally taken from the National ID record
SSS branch biometric capture	Not normally required
Published card-release target	About 15 working days in Metro Manila and 20 working days outside Metro Manila after successful account opening
Main bottlenecks	Record mismatch, inactive My.SSS login, outdated mobile number, temporary SS number, unsuccessful facial verification, and incomplete bank KYC

The older ₱200 fee commonly mentioned online came from the previous traditional UMID replacement process. Under the present MySSS Card program, SSS itself lists no processing fee, while the selected bank may impose its own card or account-related charge. (Social Security System)

Replacing a Lost UMID Pay Card or MySSS Card

When the lost card is connected to a bank account, do not begin with an affidavit or an SSS branch visit. Begin by securing the bank account.

The proper sequence is generally:

Report the loss to the issuing bank.
Block the card and online access if necessary.
Review recent transactions.
Change compromised passwords or personal identification numbers.
Request a replacement under the bank’s policies.
Ask whether the bank requires an affidavit of loss, branch appearance, replacement fee, or surrender of the damaged card.
Confirm whether SSS benefits will continue to be credited to the existing account.

SSS Circular No. 2025-008 allows replacement of a lost or damaged MySSS Card subject to the issuing financial institution’s policies. The same approach applies when a UMID Pay Card is replaced through the same institution.

Replacing a Lost GSIS UMID or eCard

A GSIS-issued UMID or eCard follows a different system. The SSS MySSS Card portal is not the normal replacement channel for a card issued under a GSIS account.

For a lost GSIS card:

Contact the servicing bank immediately if the card has ATM functionality.
Execute a notarized affidavit of loss describing when, where, and how the card was lost.
Go to the nearest branch of the servicing bank.
Complete the bank’s UMID or eCard replacement form.
Present the required valid identification.
Pay any replacement charge imposed by the servicing bank.
Keep the receipt and application reference.
Wait for the SMS or email advising that the replacement is ready.

GSIS’s published guidance directs members to the servicing bank for a UMID replacement and identifies an affidavit of loss as a requirement for a lost eCard. Exact fees and release times may differ between LandBank, UnionBank, and the member’s servicing arrangement. (GSIS)

What if the Card Was Never Delivered or Claimed?

A card that was produced but never received is not necessarily “lost.” Before applying for a replacement, ask SSS to check whether the card remains unclaimed.

Under the 2026 SSS Citizen’s Charter, certain surrendered unclaimed UMID cards may be retained by the SSS Identity Management Department for up to five years. A member outside Metro Manila who has been notified that an unclaimed card is held at the SSS Main Office may request that it be forwarded to the nearest SSS branch for pickup. (Social Security System)

Bring the notification, acknowledgement stub when available, and acceptable identification. This can avoid paying a bank fee or creating a second card application unnecessarily.

Applicants Living Abroad

An applicant residing abroad may qualify for a MySSS Card even without a local Philippine address when the chosen partner bank offers the necessary service. The card may also be released to an authorized representative, subject to that bank’s policies.

Before applying, confirm whether the bank requires:

A Philippine mobile number
A Philippine delivery address
Personal appearance at a branch
An authorized representative
A Special Power of Attorney
The applicant’s original or certified identification documents

When a Special Power of Attorney is executed abroad, the receiving bank may require it to be notarized by a Philippine embassy or consulate, or apostilled by the competent authority in an Apostille Convention country. The bank may prescribe its own wording and may still require original documents, so obtain its written requirements before paying for notarization, authentication, or courier delivery. (Philippine Embassy New Delhi)

Foreign Nationals and Resident Aliens

A foreign national who is an SSS member is not automatically disqualified. The National ID system covers both Filipino citizens and resident aliens, and resident aliens may register using immigration documents such as an Alien Certificate of Registration or ACR I-Card. (Philippine Statistics Authority)

A foreign applicant must still satisfy all SSS and bank requirements, including:

A permanent SS number
My.SSS registration
National ID registration
Matching personal information
Current immigration and identity documents
The partner bank’s customer-identification requirements

The partner bank may request a passport, ACR I-Card, proof of Philippine address, visa or residency information, and tax-residency declarations. Approval of the SSS portion does not force the bank to open an account when its lawful banking requirements are not met.

Common Reasons a Replacement Application Fails

The MySSS Card option does not appear

Possible reasons include:

Your SS number remains temporary.
You are not registered with the National ID system.
Your contact details are incomplete.
You already have an active MySSS Card or UMID Pay Card arrangement.
The feature is temporarily unavailable.
No participating bank currently serves your account or location.

National ID verification fails

Check whether your SSS and National ID records use exactly the same:

First, middle, and last names
Suffix such as Jr., III, or IV
Date of birth
Marital surname
Spelling and spacing

Do not repeatedly submit an application with incorrect information. Correct the source record first.

You no longer have access to your registered mobile number

The My.SSS portal uses security codes and authentication controls. Update the number through My.SSS when possible. If you have no usable mobile number recorded with SSS, submit Form E-4 at an SSS branch. (Social Security System)

The bank application was cancelled

This commonly happens when:

The bank’s identity check was not completed
A required fee was not paid on time
The applicant did not satisfy account-opening requirements
The name entered in the bank application differed from SSS records
The applicant failed to respond to the bank’s verification request

A cancelled application may need to be restarted after the underlying issue has been resolved.

A fixer offers to process the replacement

Do not give a fixer your My.SSS password, one-time password, National ID details, selfie, or banking credentials. SSS has warned members against unauthorized groups and individuals collecting personal information or charging for services available through official channels. (Social Security System)

What to Do if Someone Uses Your Lost Card

A lost card contains information that may be used in impersonation, phishing, unauthorized account recovery, or fraudulent transactions.

Take these steps:

Preserve the bank’s loss-report reference number.
Save suspicious SMS messages, emails, screenshots, transaction records, and telephone numbers.
Dispute unauthorized bank transactions immediately.
Notify SSS if your My.SSS account or member record was changed without authority.
Change passwords for your email, My.SSS account, and bank account.
File a police or cybercrime report when there is actual impersonation, identity misuse, or financial loss.
Consider reporting online identity misuse to the PNP Anti-Cybercrime Group or NBI Cybercrime Division.

Republic Act No. 10175, the Cybercrime Prevention Act of 2012, penalizes computer-related identity theft, including the intentional acquisition, use, misuse, transfer, possession, alteration, or deletion of another person’s identifying information without right. (Lawphil)

Frequently Asked Questions

Can I still replace a lost UMID card at an SSS branch?

For most SSS members, the current route is to apply for a MySSS Card through the My.SSS portal and complete the process with a partner bank. The former generic UMID application program has been discontinued under SSS Circular No. 2025-008.

Do I need an affidavit of loss for a lost SSS UMID?

An affidavit of loss is not listed as a standard requirement for the online MySSS Card application. However, the issuing bank may require one when the lost card was an ATM-enabled UMID Pay Card or MySSS Card. A GSIS servicing bank normally requires an affidavit for a lost GSIS eCard or UMID.

How much does it cost to replace a lost UMID?

SSS lists no processing fee for the standard MySSS Card portal application. The issuing partner bank may charge a card or replacement fee under its own terms. The old ₱200 SSS replacement fee belongs to the earlier traditional UMID process. (Social Security System)

Can I apply without a National ID?

Not under the standard MySSS Card process. National ID registration is an eligibility requirement because SSS uses National ID eVerify for identity authentication and the applicant’s photograph. (Social Security System)

Do I need the physical National ID card?

The SSS requirement is registration with the National ID system, not necessarily possession of the physical card. Successful database authentication is the key requirement. Record discrepancies must be corrected before the application can proceed.

Will my old UMID become invalid when I apply for a MySSS Card?

Old SSS and UMID identification cards were not automatically invalidated merely because the MySSS Card was introduced. However, bank-linked cards may be blocked or deactivated after a loss report, account closure, or replacement. (Social Security System)

Can someone else claim my replacement card?

The issuing bank decides whether an authorized representative may claim it. Applicants abroad may be allowed to designate a representative, but the bank may require an authorization, identification documents, and a notarized or apostilled Special Power of Attorney.

Can I apply for a MySSS Card while abroad?

Yes, when you meet the SSS eligibility requirements and the selected partner bank supports overseas applicants. Practical obstacles may include facial verification, Philippine contact information, bank-account opening, and physical delivery.

How long does replacement take?

SSS publishes an estimated card-release period of approximately 15 working days in Metro Manila and 20 working days outside Metro Manila after successful account opening. Corrections, bank verification, production backlogs, and delivery problems may extend the process. (Social Security System)

Is the MySSS Card accepted as a valid ID everywhere?

It is an official SSS functional ID and may be used for SSS transactions. Other government agencies and private institutions are not universally required to accept it, so carry another accepted ID, preferably your National ID, passport, or driver’s license, when completing an important transaction. (Social Security System)

Key Takeaways

For most SSS members, replacing a lost traditional UMID now means applying online for a MySSS Card.
Report an ATM-enabled UMID Pay Card or MySSS Card to the issuing bank immediately before beginning the replacement process.
You need a permanent SS number, an active My.SSS account, updated contact details, National ID registration, and matching SSS and National ID records.
The SSS online application has no standard processing fee, but the partner bank may impose a card or replacement charge.
The new MySSS Card account normally becomes your main account for receiving SSS benefits, pensions, loans, and refunds.
GSIS-issued UMID and eCards follow the GSIS servicing-bank process and usually require a notarized affidavit of loss.
Do not pay fixers or disclose passwords, one-time codes, selfies, National ID information, or banking credentials to unauthorized persons.