Losing a UMID card is stressful, especially when you use it for identification, SSS transactions, or receiving money through an ATM-enabled card. The correct replacement process now depends on what type of card you lost. For most SSS members, the current route is no longer a reprint of the old generic UMID card: the replacement is the newer MySSS Card, applied for online through the My.SSS Member Portal and issued through an SSS partner bank. If the lost card also functions as a debit or ATM card, however, your first priority is to block it with the issuing bank.

What replaced the old SSS UMID card?

The Social Security System introduced the MySSS Card as its new official functional identification card. It has an EMV chip, is linked to an account with an SSS partner bank or participating financial institution, and becomes the member’s default account for receiving SSS benefits, loans, pensions, refunds, and other proceeds.

Under SSS Circular No. 2025-008 on the issuance of the MySSS Card, the MySSS Card effectively discontinued the issuance of new generic UMID cards and UMID Pay Cards. Previously issued SSS IDs and UMID cards remain valid, but a person who loses an old card may apply for a MySSS Card as the replacement.

The MySSS Card is an official SSS identification card, but other government offices, banks, and private establishments are not legally required to accept it as their preferred proof of identity. Acceptance depends on the receiving institution’s policy. The National ID is now intended to serve as the country’s primary foundational identification. (Social Security System)

Identify which UMID card you lost

Before submitting anything, determine whether the card had banking functions and whether it was issued by SSS or GSIS.

Card lost	Immediate action	Normal replacement route
Generic SSS UMID without ATM or debit function	Secure your personal information and My.SSS account	Apply for a MySSS Card through the My.SSS Portal
SSS UMID ATM Pay Card	Contact the issuing bank immediately to block the card	Follow the bank’s lost-card procedure, or shift to a MySSS Card if eligible
MySSS Card	Block the card and linked bank account access immediately	Request replacement under the issuing bank’s policies
GSIS-issued UMID or eCard	Contact GSIS and the servicing bank	Follow the GSIS card-replacement procedure, not the SSS process

A generic UMID card is mainly an identification document. A UMID Pay Card or MySSS Card is more urgent because it is connected to a bank account and may be used for withdrawals, purchases, transfers, or receipt of benefits.

What to do immediately after losing a UMID card

If the card has ATM or debit functions

Contact the issuing bank as soon as possible. Use the bank’s official hotline, mobile application, or branch—not a telephone number sent through an unsolicited text message.

Ask the bank to:

Block or freeze the physical card.
Check whether any unauthorized transactions have occurred.
Explain its replacement-card requirements and fees.
Confirm whether your bank account remains active while the card is being replaced.
Tell you whether SSS disbursements will continue to be credited to the same account.

Change your mobile-banking password and PIN when appropriate. Review recent transactions and preserve screenshots, reference numbers, text messages, emails, and call records if you see suspicious activity.

SSS policy places replacement of a lost or damaged MySSS Card under the rules of the concerned partner bank. The bank may require payment, identity verification, surrender of the old card when available, or additional documents.

If the card is a non-ATM SSS UMID

There is usually no bank account to freeze. Still, protect yourself against identity misuse:

Change your My.SSS password if your wallet or phone containing account information was also lost.
Do not post a photograph of the lost card online.
Watch for suspicious loan, bank, SIM-registration, or account-recovery messages.
Make a police or barangay report if the card was stolen or appears to have been used fraudulently.
Proceed with the MySSS Card application once your records are ready.

Legal basis for the replacement process

The SSS operates under Republic Act No. 11199, or the Social Security Act of 2018. The detailed rules governing the new card are found in SSS Circular No. 2025-008 and the current SSS Citizen’s Charter. (Social Security System)

Identity authentication for the MySSS Card uses the National ID system established under Republic Act No. 11055, the Philippine Identification System Act of 2018. This is why an applicant’s name and date of birth must match the information in both SSS and National ID records. (Lawphil)

The application also involves consent to verify and share information among SSS, the National ID system, and the selected bank. Personal information remains subject to Republic Act No. 10173, the Data Privacy Act of 2012. Applicants should use only the official My.SSS website, SSS mobile application, and authorized bank channels. (Lawphil)

Requirements for replacing a lost SSS UMID with a MySSS Card

The SSS side of the online application does not require uploading an affidavit of loss, photocopies of IDs, or a physical National ID card. The applicant must instead satisfy the following eligibility and system requirements:

Requirement	Practical meaning
Permanent SS number	Your SS number must no longer be tagged as temporary
Registered My.SSS account	You must be able to log in to the Member Portal
Updated contact information	SSS should have your current address, mobile number, and email
National ID registration	You must be registered in the National ID system
Matching records	Your name and date of birth must match in SSS and National ID records
Successful facial verification	You must pass the National ID eVerify or liveness check
Bank eligibility	You must satisfy the selected partner bank’s account-opening and verification rules

You do not need to possess the physical National ID card, provided you are already registered in the National ID system and your identity can be authenticated. The selected bank may nevertheless require additional information or documentation for account opening under its own customer-verification rules. (Social Security System)

How to replace a lost SSS UMID card online

1. Check and update your SSS information

Review the following before starting:

Full name, including suffix
Date of birth
Sex
Philippine or local mailing address
Mobile number
Email address

The most common obstacle is a mismatch between SSS and National ID records. Examples include a missing middle name, inconsistent use of “Jr.” or “III,” a married surname recorded in only one system, or an incorrect date of birth.

Correct the record with the agency whose information is wrong. An SSS correction may require a Member Data Change Request and original civil-registry or identification documents. A National ID correction must be processed through the National ID authorities. The card application should be restarted only after the correction has been reflected in the relevant database.

2. Log in to the official My.SSS Member Portal

Go to the official My.SSS Member Portal and sign in using your own account.

Avoid links from social-media comments, unofficial “assistance” pages, or text messages. SSS has repeatedly warned members against fixers and unauthorized groups that collect personal information or charge for transactions that members can perform themselves. (SSS Member Portal)

3. Open the MySSS Card service

From the member dashboard:

Select Services.
Choose MySSS Card.
Review your displayed contact and personal information.
Click the appropriate button to proceed.

If the service does not appear, your account may not yet satisfy one or more eligibility requirements. Check your SS number status, contact information, National ID registration, and existing UMID Pay Card or MySSS Card account.

4. Consent to National ID verification

Read the data-sharing consent carefully. The system will ask permission to:

Authenticate your identity through the National ID system;
Use your National ID photograph;
Conduct facial or liveness verification; and
Share the necessary application information with your selected partner bank.

Complete the facial scan in a well-lit area. Remove sunglasses, face coverings, and anything that prevents your face from being compared accurately with the National ID record.

5. Select an available SSS partner bank

The portal will display the partner banks or participating financial institutions currently available to you. Review the bank’s account features, fees, card-delivery arrangements, branch coverage, and terms before selecting it.

Use the banks actually displayed in the portal as the source of truth. Partner availability may expand or differ by location, particularly while provincial and overseas services are being rolled out.

6. Confirm that the new account will receive SSS proceeds

The MySSS Card account will automatically become your main SSS disbursement account. This means active SSS benefit payments, loans, pensions, refunds, and other proceeds may be redirected to that account.

Previously enrolled accounts may remain recorded in the Disbursement Account Enrollment Module, but they will generally no longer be used as the primary account while the MySSS Card account is active.

7. Complete the partner bank’s process

After submitting the SSS portion, follow the bank’s instructions. Depending on the bank, you may need to:

Download its mobile application;
Visit a branch;
Complete customer-identification questions;
Provide an additional valid ID;
Create or activate a savings account;
Pay the applicable card fee; or
Select pickup or delivery.

The application is not complete merely because SSS issued a transaction number. You must finish the bank’s account-opening and verification process within the bank’s prescribed period. Failure to pay a required fee or complete verification may cause cancellation. (Social Security System)

8. Save your confirmation and monitor notifications

Keep copies or screenshots of:

The SSS transaction or application number;
My.SSS inbox confirmation;
Email confirmation;
Bank application reference;
Payment receipt; and
Delivery or pickup notice.

Questions about production, delivery, pickup, or the bank account should normally be directed to the selected bank. SSS handles the eligibility and identity-verification stage, while the bank produces and releases the physical card. (Social Security System)

Replacement fees and processing time

Item	Expected cost or period
SSS online application fee	None
Bank account or card fee	Depends on the selected partner bank
Notarized affidavit	Usually unnecessary for the standard online MySSS Card application
SSS online processing	Approximately 12 minutes under the Citizen’s Charter, excluding network delays
Card issuance	Generally within a maximum of 20 working days after successful account opening
Published location estimate	About 15 working days in Metro Manila and 20 working days outside Metro Manila

The old ₱200 UMID replacement fee found in many online guides came from the earlier branch-based generic UMID replacement system. It should not be treated as the universal current fee for a MySSS Card. Under the present system, the SSS portion is free, while the issuing bank may impose and disclose its own card or replacement fee. (Social Security System)

The quoted period begins after successful bank account opening and verification—not necessarily on the date you first log in to My.SSS. Name mismatches, incomplete bank verification, failed facial scans, unpaid fees, remote delivery addresses, and courier problems commonly extend the actual waiting time.

Do you need an affidavit of loss?

For the standard online application that replaces an old SSS UMID with a MySSS Card, the current SSS Citizen’s Charter states that there are no documentary requirements on the SSS side. A notarized affidavit of loss is therefore not ordinarily required merely to start that online application.

An affidavit may still be required when:

The lost card is an ATM-enabled UMID Pay Card or MySSS Card and the issuing bank requires one;
SSS places the case under a special or legacy branch procedure;
The card was issued by GSIS;
There is suspected theft or fraudulent use;
An authorized representative will handle a transaction; or
The receiving office specifically requests a sworn explanation.

Older SSS procedures required a notarized affidavit of loss for a missing generic UMID card. This is why some branches, forms, and older online guides still mention it. Do not pay for notarization until SSS or the bank confirms that your particular case requires the document. (Social Security System)

What an affidavit of loss should contain

When required, the affidavit should normally state:

Your complete name, address, and identifying details;
The type of card lost and the issuing agency or bank;
The card or account number, if known, with sensitive digits appropriately masked in unnecessary copies;
When, where, and how the loss occurred;
The efforts made to locate the card;
Whether the card was lost, stolen, or retained by an ATM;
A request for blocking, cancellation, or replacement; and
An undertaking to surrender or stop using the card if it is recovered.

Sign the affidavit before a notary public and bring an acceptable proof of identity. Do not invent the date, place, or circumstances of loss. Knowingly making a materially false statement in an affidavit may constitute perjury under Article 183 of the Revised Penal Code, as amended by Republic Act No. 11594 of 2021. (Lawphil)

What if you are abroad?

An applicant living overseas may qualify for a MySSS Card even without a Philippine local address in the SSS record, provided the selected partner bank offers the service. Card release through an authorized representative is also subject to the bank’s policy.

Before preparing a Special Power of Attorney or affidavit abroad, ask the bank exactly what form it accepts. Depending on the country and bank policy, the document may need to be:

Signed before a Philippine Embassy or Consulate; or
Notarized locally and apostilled in the country where it was executed.

For countries covered by the Apostille Convention, a locally notarized affidavit or power of attorney bearing the proper apostille is generally recognized in the Philippines without further consular legalization. Requirements still vary by bank, so authentication should not be obtained until the receiving institution confirms that it is necessary. (Philippine Embassy)

Foreign SSS members or resident aliens must also be registered in the Philippine National ID system and must have matching SSS and National ID information. Republic Act No. 11055 covers both Filipino citizens and resident aliens. (Lawphil)

What if the lost UMID was issued by GSIS?

An SSS branch cannot replace a GSIS-issued UMID or eCard. Government employees and GSIS pensioners should coordinate with their GSIS servicing branch and the bank connected to the card.

GSIS replacement procedures generally involve completing a card-replacement form, submitting the requirements requested by GSIS or the servicing bank, and paying the applicable replacement fee. An affidavit of loss may be required for a missing card. GSIS has also transitioned toward a GSIS Digital ID available through the GSIS Touch mobile application, which may be used as proof of identity for GSIS transactions. (GSIS)

Common problems that delay replacement

Your surname changed after marriage

A married surname recorded in SSS but not in the National ID system—or the reverse—can cause authentication failure. Update the incorrect record first. Bring or submit the civil-registry documents required by the concerned agency, such as a PSA marriage certificate or birth certificate.

Your SS number is still temporary

A temporary SS number must be converted to permanent status before the MySSS Card application can proceed. This normally requires submission and validation of the appropriate birth or identity documents.

You cannot access your old mobile number or email

Recover your My.SSS account using the official password-recovery facility. If online recovery fails because your registered contact details are outdated, visit an SSS branch or e-center with acceptable identification and request assistance in updating the record. (SSS Member Portal)

You already have a UnionBank UMID Pay Card

The current SSS Citizen’s Charter states that a person with an existing SSS UMID Pay Card through UnionBank who wants to shift to a MySSS Card must first request closure of the UnionBank account. An existing MySSS Card holder who wants to move to another partner bank must likewise terminate the existing MySSS Card account before applying through the new bank.

You urgently need a valid ID

The MySSS Card may take several working days to issue, and external institutions are not required to accept it. Where available, use another accepted document such as the National ID or ePhilID, passport, driver’s license, PRC ID, or another identification accepted by the receiving office. Confirm the institution’s requirements before lining up or paying transaction fees.

Frequently Asked Questions

Can I replace a lost UMID card entirely online?

For an old SSS-issued generic UMID, you can start the current replacement route online by applying for a MySSS Card through the My.SSS Portal. You may still need to complete the selected bank’s process through its application or branch.

Will SSS issue another generic UMID card?

The current policy is to issue the MySSS Card instead of a new generic UMID. Old cards already issued remain valid, but new and replacement applications are being moved to the MySSS Card system.

How much is the replacement fee?

SSS does not charge a fee for the online MySSS Card application. The selected bank may charge a card or replacement fee under its own terms. The old ₱200 fee should not be assumed to apply to the current system.

Is an affidavit of loss required?

Not for the ordinary online MySSS Card application, according to the current SSS Citizen’s Charter. The bank, GSIS, or SSS may require one in special cases, particularly for an ATM-enabled card.

Can I apply without the physical National ID card?

Yes. You must be registered in the National ID system, but possession of the physical card is not required if the system can authenticate your identity. (Social Security System)

How long does replacement take?

Card issuance is generally expected within a maximum of 20 working days after successful bank account opening. The published estimate is around 15 working days for Metro Manila and 20 working days outside Metro Manila. Bank verification, record discrepancies, and delivery problems may cause delays. (Social Security System)

Can another person receive the card for me?

Possibly, but this depends on the issuing bank’s policy. The bank may require an authorization letter, Special Power of Attorney, copies of IDs, or properly authenticated documents when the applicant is abroad.

What happens if I find the old card after replacement?

Do not use a card that the bank has already blocked, cancelled, or replaced. Follow the bank’s instructions on surrender or destruction. For a recovered non-ATM UMID, confirm its status with SSS before presenting it for identification.

Can someone use my lost UMID to withdraw my SSS benefits?

A generic non-ATM UMID cannot by itself withdraw money. A UMID Pay Card or MySSS Card may be connected to a bank account, so it must be blocked immediately. Unauthorized access may still require a PIN, password, OTP, or other verification, but you should not rely on those protections after the card is lost.

Can a member without posted contributions apply?

SSS policy includes prior registrants among those who may qualify, provided the SS number is permanent and the other MySSS Card requirements are satisfied. Bank account-opening rules will still apply. (Social Security System)

Key Takeaways

The current SSS replacement for a lost generic UMID is generally the MySSS Card, not another generic UMID.
Block a lost UMID Pay Card or MySSS Card with the issuing bank immediately because it has banking functions.
Apply through the official My.SSS Portal and complete National ID facial authentication.
Your SS number must be permanent, and your name and birth date must match in SSS and National ID records.
The SSS online application is free, but the partner bank may charge a card or replacement fee.
A notarized affidavit of loss is not normally required for the standard online MySSS Card application, although a bank, GSIS, or SSS may request one in special cases.
Card issuance normally takes up to 20 working days after successful bank account opening.
A GSIS-issued UMID must be replaced through GSIS and its servicing bank, not through the SSS portal.