Quick answer

If an agency or bank requires an affidavit of loss, prepare a truthful written account identifying you and the card, explaining when and how it disappeared, and stating why you need the affidavit. Do not sign it yet. Bring it and a current government-issued ID with your photograph and signature to a commissioned notary public, appear personally, take the oath or affirmation, and sign in the notary’s presence.

First confirm which replacement process applies:

Regular SSS-issued UMID: SSS has effectively discontinued issuing generic UMID and UMID Pay Cards. A member replacing a lost old SSS card normally applies for the new MySSS Card through the My.SSS portal. The standard online application does not list an affidavit of loss as a requirement.
UMID Pay Card or MySSS Card with debit functions: Report the loss to the issuing bank immediately. Replacement is governed by that bank’s policies, which may require its own form, an affidavit, and a fee.
GSIS-issued UMID or eCard: GSIS guidance requires a notarized affidavit of loss as part of the replacement process.

An affidavit alone does not block the card, protect the linked bank account, or start a replacement application.

Check whether you actually need an affidavit

The term “UMID” covers cards issued through different agencies and, in some cases, cards linked to bank accounts. Using the wrong process can waste time and leave an account exposed.

Lost card	First action	Is an affidavit normally required?
Old, non-ATM SSS UMID	Check the MySSS Card option in the My.SSS portal	Not listed for the standard current MySSS Card application
SSS UMID Pay Card	Contact the issuing bank and block the card	Depends on the bank’s replacement policy
MySSS Card	Contact the partner bank and block the card	Depends on the bank’s replacement policy
GSIS UMID or eCard	Contact the servicing bank	Yes, according to GSIS replacement guidance
Card that was never received	Ask the issuing agency whether it is unclaimed or undelivered	An affidavit of non-receipt—not an affidavit of loss—may be appropriate
Damaged card still in your possession	Keep and surrender the card if instructed	Usually handled as damage, subject to the issuer’s rules

Under SSS Circular No. 2025-008, the MySSS Card replaced the generic UMID and UMID Pay Card issuance program. The circular also provides that replacement of a lost or damaged MySSS Card is subject to the issuing financial institution’s policies.

Previously issued SSS cards remain valid unless they have been blocked, cancelled, or otherwise deactivated. Losing the physical card does not by itself cancel it.

Information to gather before drafting

Use facts you personally know. Gather the following before writing:

Your complete name as recorded with SSS or GSIS
Your current address
The exact card type and issuing agency or bank
The card number, CRN, SS number, BP number, or other reference only to the extent required by the receiving office
The date, approximate time, and place where you last had the card
When and how you discovered the loss
The circumstances of the loss
Steps taken to look for the card
The date and reference number of any report made to the bank, SSS, GSIS, police, employer, or building security
The purpose for which the affidavit will be submitted

If you do not know the exact date, time, or place, say so honestly. Use wording such as “on or about,” “at approximately,” or “I last remember having the card at.” Do not manufacture precision.

Avoid unnecessarily placing your full SS number, CRN, birth date, bank-account number, PIN, or card security information in copies that might be photographed or posted online. Ask the receiving office which identifier must appear on the original.

Sample affidavit of loss

Replace every bracketed item. Remove optional statements that are not true. The notary should complete the jurat and notarial details.

REPUBLIC OF THE PHILIPPINES )
[CITY/MUNICIPALITY]          ) S.S.

                         AFFIDAVIT OF LOSS

I, [COMPLETE NAME], [CITIZENSHIP], of legal age, [CIVIL STATUS],
and residing at [COMPLETE ADDRESS], after having been duly sworn
in accordance with law, state:

1. I am the registered holder of a [STATE THE EXACT CARD TYPE:
   SSS-ISSUED UMID CARD / UMID PAY CARD / GSIS UMID OR eCARD /
   MySSS CARD] issued through [SSS / GSIS / NAME OF BANK].

2. The card bears or is associated with the following identifying
   information, as required by the receiving office:
   [CRN, SS NUMBER, BP NUMBER, CARD REFERENCE, OR OTHER LIMITED
   IDENTIFIER].

3. On or about [DATE], at approximately [TIME, IF KNOWN], I
   [DESCRIBE TRUTHFULLY WHEN, WHERE, AND HOW THE CARD WAS LOST
   OR WHERE IT WAS LAST SEEN].

4. I discovered that the card was missing on [DATE] when
   [EXPLAIN HOW THE LOSS WAS DISCOVERED].

5. I made reasonable efforts to locate the card, including
   [DESCRIBE THE SEARCH OR INQUIRIES MADE], but I have not
   recovered it.

6. [IF THE CARD HAS ATM OR DEBIT FUNCTIONS:] On [DATE AND TIME],
   I reported the loss to [BANK OR FINANCIAL INSTITUTION] and
   requested that the card be blocked. The report or reference
   number is [REFERENCE NUMBER].

7. I did not voluntarily sell, transfer, lend, pledge, or surrender
   the card to another person, and I do not know its present
   whereabouts. [INCLUDE ONLY IF TRUE.]

8. I am executing this Affidavit to formally report the loss,
   support the blocking, cancellation, or replacement of the card,
   and for any other lawful purpose for which it may be required.

9. If I later recover the card after it has been blocked, cancelled,
   or replaced, I will promptly report its recovery to the issuing
   agency or bank and will not use it contrary to their instructions.

I affirm that the foregoing statements are true and based on my
personal knowledge.

IN WITNESS WHEREOF, I sign this Affidavit on [DATE OF
NOTARIZATION] at [ACTUAL PLACE OF NOTARIZATION], Philippines.


                               ______________________________
                               [COMPLETE NAME OF AFFIANT]
                               Affiant


                              JURAT

SUBSCRIBED AND SWORN to before me on [DATE] at [PLACE],
Philippines. The affiant personally appeared and presented
[TYPE OF CURRENT GOVERNMENT-ISSUED ID], bearing identification
number [ID NUMBER], as competent evidence of identity.

                               NOTARY PUBLIC

Doc. No. _____;
Page No. _____;
Book No. _____;
Series of _____.

The phrase stating that the card was not sold, transferred, lent, or pledged should remain only if it is completely accurate. If another person took the card, if it was stolen, or if there is a dispute over its possession, describe what actually happened.

How to have it notarized properly

The Supreme Court’s 2004 Rules on Notarial Practice require the essential steps of a jurat:

Appear personally before the notary.
Present the complete affidavit.
Establish your identity through competent evidence of identity, unless personally known to the notary.
Take an oath or affirmation that the statements are true.
Sign in the notary’s presence.

Bring at least one current official identification document bearing your photograph and signature. Because the lost UMID cannot serve as the ID you present, bring another acceptable government-issued ID. If you have none, contact the notary in advance. The rules provide limited credible-witness methods of identification, but the conditions must be satisfied and the notary decides whether the proof is legally sufficient.

Do not:

Sign before meeting the notary
Ask someone else to appear or sign for you
Leave material paragraphs blank
Use a photocopied notarial seal or signature
Allow the notarial certificate, date, identification details, or register information to remain incomplete
Assume notarization proves that the loss occurred

Notarization establishes the oath, personal appearance, identity, and execution of the document. It is not an independent investigation of the loss.

What to do after notarization

For a lost old SSS UMID

The current replacement route is generally an application for a MySSS Card. According to the official SSS MySSS Card guidance, an applicant must generally have:

An SS number tagged as permanent
A registered My.SSS account
Updated local address, mobile number, and email in SSS records
National ID registration
Matching name and date of birth in the SSS and National ID records

Log in to My.SSS, choose MySSS Card under Services, review your data, complete National ID eVerify and facial verification, and select an available partner bank. Complete that bank’s account-opening and card requirements.

The bank may charge fees under its own terms. SSS states that card release is targeted within 15 working days in Metro Manila and 20 working days outside Metro Manila, counted after successful account opening. These are processing targets, not guarantees for every case.

Older SSS guidance refers to a ₱200 traditional UMID replacement fee and a notarized affidavit of loss. That guidance relates to the former generic UMID replacement process. Do not assume that ₱200 is the current universal fee for a MySSS Card or bank-issued replacement.

For a UMID Pay Card or MySSS Card

Contact the issuing bank before preparing documents:

Block the physical card.
Secure the mobile or online-banking account if necessary.
Check recent withdrawals, purchases, and transfers.
Record the loss-report reference number.
Ask for the bank’s exact replacement checklist.
Submit an affidavit only if required.
Ask whether the replacement will retain the same account and whether SSS disbursements will continue without interruption.

For a GSIS UMID or eCard

Follow the GSIS eCard replacement instructions:

Report the loss to the servicing bank to prevent use of the card.
Execute a duly notarized affidavit of loss.
Go to the appropriate servicing bank.
Complete the bank’s replacement form.
Submit the affidavit and required identification.
Pay the replacement fee imposed by the servicing bank.
Keep the receipt and application reference.

Confirm the servicing bank and current requirements with GSIS or the bank before visiting.

Evidence to preserve

Keep secure copies of:

The signed and notarized affidavit
Any photograph or photocopy of the lost card
The bank’s loss-report or blocking reference number
Screenshots of relevant account alerts
Account statements and disputed transactions
Police or security reports, if the card was stolen
Emails, text messages, and My.SSS inbox notifications
Replacement forms, payment receipts, and claim stubs
Names, dates, and reference numbers from calls or branch visits

Store documents containing SS, CRN, bank, and identity information securely. Send them only through official agency or bank channels.

Common mistakes

Preparing an affidavit before identifying whether SSS, GSIS, or a bank controls the replacement
Treating an ATM-enabled card as an ordinary ID and delaying the bank report
Saying the card was “lost” when it was never delivered
Guessing an exact date, place, or explanation
Copying statements from a template that are not true
Signing before appearing before the notary
Assuming the affidavit automatically blocks or cancels the card
Paying a fixer or sending personal information through an unofficial social-media account
Relying on the former ₱200 SSS fee without checking the current bank or MySSS Card rules
Posting an unredacted affidavit online

When help is urgent

Act immediately if the lost card has ATM or debit functions, especially if you see an unfamiliar withdrawal, purchase, transfer, password reset, or change to your contact information. Use the bank’s official fraud or lost-card channel and preserve the reference number and account records.

Contact SSS, GSIS, the bank, and law enforcement as appropriate if someone is using the card to impersonate you, obtain benefits, open accounts, or conduct transactions. A police report may be useful in a theft or fraud investigation even when it is not part of the ordinary affidavit requirement.

Consult a Philippine lawyer before signing if:

You are uncertain whether the card was lost, stolen, or retained by another person
The facts may implicate you or someone else in fraud or another offense
Someone is demanding that you include a statement you know is inaccurate
Unauthorized benefits, loans, withdrawals, or identity transactions have already occurred
The issuing agency or bank has rejected the affidavit because of a material discrepancy

Knowingly making an untruthful material statement in a required affidavit can satisfy the elements of perjury. Republic Act No. 11594 increased the statutory penalty for perjury under Article 183 of the Revised Penal Code to prision mayor in its minimum period, with additional consequences provided by law.

Frequently asked questions

Is a police report required?

The cited standard SSS MySSS Card process does not list one. GSIS’s published eCard replacement steps call for an affidavit of loss but do not list a police report as a standard requirement. A bank may impose additional requirements, and a police or security report is advisable when theft, fraud, or unauthorized transactions are involved.

Must the affidavit be typed?

The controlling issue is whether the affidavit is complete, legible, truthful, properly sworn, and accepted by the receiving office. A clean typed copy is safer for processing. Ask the agency or bank if it provides a required form.

What if I do not remember where the card was lost?

State the last place and time you remember possessing it, when you discovered it was missing, and that its exact place or manner of loss is unknown. Do not guess.

Can another person make the affidavit for me?

An affidavit of loss is normally based on the cardholder’s personal knowledge and must be personally sworn to by that affiant. A guardian, representative, or attorney-in-fact should not sign the cardholder’s name. Special cases require confirmation from the issuing agency and may need separate proof of authority.

Does an affidavit of loss expire?

The official sources cited here do not establish one universal validity period for every UMID-related affidavit. Prepare it after discovering the loss and submit it promptly. The receiving bank or agency may require a recently executed affidavit.

What if I find the card after filing the affidavit?

Report the recovery to the agency or bank. Do not use a card that has already been blocked, cancelled, or replaced. Follow instructions on surrender or destruction.

How much will notarization or replacement cost?

There is no single nationwide amount covering both notarization and every card replacement. Ask the notary about the notarial fee and obtain a receipt. MySSS Card and ATM-enabled replacement charges depend on the partner or servicing bank’s current policies.

Official sources

This article provides general Philippine legal information, not legal advice for a specific situation. Requirements can depend on the card issuer, servicing bank, documents, and facts. Confirm the current checklist directly with SSS, GSIS, or the issuing bank. Sources last checked: 23 July 2026.