Losing a UMID card can create two different risks: someone may use it to impersonate you, and—if it is a UMID Pay Card or MySSS Card—someone may attempt to access the linked bank account. Act quickly, but first identify which card you lost because the replacement process now depends on whether it was issued by the Social Security System (SSS), a partner bank, or the Government Service Insurance System (GSIS).

The most important change is that the SSS has stopped issuing new generic UMID cards. For an SSS member who loses an old UMID, the current replacement route is generally to apply for the newer MySSS Card, subject to National ID verification and the requirements of an SSS partner bank. Previously issued UMID cards remain valid, but the old over-the-counter replacement instructions found on older websites may no longer reflect the current process. (Social Security System)

First, Identify the Type of UMID Card You Lost

Check old photographs, bank records, emails, or your SSS or GSIS account to determine which card you had.

Lost card	How to recognize it	First office to contact
Generic SSS UMID	Primarily an identification card, without an active debit-card function	SSS through My.SSS
SSS UMID Pay Card	UMID with ATM or debit functions issued through a partner bank	Issuing bank immediately, then SSS
MySSS Card	Newer EMV-enabled SSS identification and bank card	Issuing partner bank immediately
GSIS UMID or eCard	Issued to a government employee or GSIS pensioner and usually linked to a servicing bank	Servicing bank and GSIS

Do not assume that every card bearing the word “UMID” follows the same replacement procedure. A generic UMID is primarily an identification document. A UMID Pay Card, MySSS Card, or GSIS eCard may also be an access device—a card or account credential that can be used to obtain money or initiate a transfer of funds.

What to Do Immediately After Losing Your UMID Card

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

For a UMID Pay Card, MySSS Card, or GSIS card connected to a bank account, contact the issuing bank immediately. Do not wait until you have obtained an affidavit of loss.

For an RCBC-issued MySSS Card, cardholders may use the blocking function in the DiskarTech app or contact RCBC Customer Care at (02) 8877-7222. RCBC’s terms state that a lost or stolen card should be reported immediately and that transactions made before the report may remain chargeable to the account holder. (DiskarTech)

Ask the bank to:

Block or permanently deactivate the physical card;
Confirm the date and time of your report;
Give you a reference or case number;
Check for pending or unauthorized withdrawals, transfers, and purchases;
Explain its card-replacement requirements and current fee; and
Confirm whether your account and incoming SSS or GSIS benefits remain accessible through the mobile app.

Blocking the card is more urgent than replacing the physical ID.

2. Secure your online accounts

Change the passwords or mobile personal identification numbers connected to:

My.SSS;
The issuing bank’s mobile application;
Your registered email account; and
Any phone account that may receive one-time passwords.

Never give an alleged SSS or bank employee your one-time password, ATM PIN, password, or complete card number. A legitimate replacement process should not require you to disclose an ATM PIN.

3. Check for unauthorized transactions

Review recent account activity, including small test transactions. Fraudsters sometimes make a low-value purchase before attempting a larger withdrawal or transfer.

Report any unfamiliar transaction through the bank’s official dispute process. Save:

Screenshots of the transaction;
Text and email alerts;
The date and time you reported the loss;
Names or reference numbers provided by bank representatives; and
Copies of any police report or affidavit.

Unauthorized use of a debit-enabled card may fall under the Access Devices Regulation Act of 1998, or Republic Act No. 8484, as amended by RA No. 11449. Fraud involving financial accounts may also trigger other laws, including the Anti-Financial Account Scamming Act, RA No. 12010, depending on how the account was used. (Lawphil)

4. Make a police report when the card was stolen or misused

A police blotter or incident report is not listed as a standard requirement for an ordinary online MySSS Card application. It is nevertheless useful when:

Your wallet was stolen;
Someone has used or attempted to use the card;
Other IDs, bank cards, or your phone were also taken;
You need evidence of when the loss occurred; or
The bank, insurer, employer, or another agency asks for it.

Report online fraud or identity misuse to the appropriate PNP or NBI cybercrime office as well as to the bank.

Current Legal and Administrative Framework

The SSS operates under the Social Security Act of 2018, RA No. 11199. Its current card policy is found more specifically in SSS Circular No. 2025-008 on the issuance of the MySSS Card.

The circular discontinued the issuance of generic UMID cards and UMID Pay Cards in favor of the MySSS Card. It also repealed the 2021 circular under which members previously applied for or replaced traditional UMID cards at SSS branches. Existing SSS cards remain usable, but members who need to replace a lost card may apply for the MySSS Card.

The MySSS Card uses the National ID system for identity verification. The National ID was established by the Philippine Identification System Act, RA No. 11055 and is intended to serve as the government’s central identification platform for Filipino citizens and resident aliens. (Lawphil)

For government employees and pensioners, the GSIS operates under the Government Service Insurance System Act of 1997, RA No. 8291. GSIS has separately transitioned from issuing physical UMID identity cards to using its Digital ID and bank-issued ATM cards. (Lawphil)

How to Replace a Lost SSS UMID Card

Step 1: Confirm that your SSS records are ready

Before applying for a MySSS Card, make sure that:

Your SS number is tagged as permanent;
You have an active My.SSS account;
Your local address, mobile number, and email address are current in SSS records;
You are registered with the National ID system; and
Your name and date of birth match in the SSS and National ID databases.

A difference involving a middle name, married surname, suffix, spelling, or date of birth can cause the electronic identity check to fail. Correct the record with the agency holding the inaccurate information before repeatedly attempting the application. (Social Security System)

Step 2: Apply through the My.SSS portal

Use the official My.SSS Member Portal rather than a social-media link sent by an unknown person.

The current process is:

Sign in to your My.SSS account.
Open Services.
Select MySSS Card.
Review your personal and contact information.
Consent to authentication through the National ID eVerify system.
Complete the facial liveness check.
Select an available SSS partner bank.
Review the bank’s product terms and fees.
Consent to the necessary sharing of information among SSS, the National ID system, and the partner bank.
Submit the application and save the transaction number.

The SSS Citizens’ Charter lists no documentary requirement and no SSS processing fee for the online portion of this application. The estimated portal processing time is approximately 12 minutes, although identity verification may take longer because of internet quality, mismatched records, or system availability.

Step 3: Complete the partner bank’s account-opening process

Submitting the request through My.SSS does not finish the application. You must follow the selected bank’s instructions, which may require:

Installing the bank’s mobile application;
Presenting another valid government-issued ID;
Taking a selfie or completing another identity check;
Supplying information required under banking “know your customer” rules; and
Paying or maintaining enough funds for the applicable card fee.

The bank, not the SSS branch, produces and releases the MySSS Card. The account linked to the card will generally become your default SSS disbursement account for benefits, pensions, loans, refunds, and other proceeds.

Step 4: Track the card with the bank

SSS states that release is ordinarily expected:

Within 15 working days in Metro Manila; or
Within 20 working days outside Metro Manila,

counted after successful opening of the partner-bank account. These are standard targets, not guarantees. Delays may arise from incomplete bank verification, unavailable cards, incorrect addresses, branch-transfer arrangements, or failure to pay the bank’s fee. (Social Security System)

For the RCBC DiskarTech implementation, the published physical-card fee is currently ₱200, and pickup is generally stated as 15 to 20 working days depending on location. Fees and bank policies may change, so confirm the amount inside the official application or with the bank before funding the account. (DiskarTech)

Do You Need an Affidavit of Loss?

For the present online MySSS Card application, an affidavit of loss is not listed as a standard SSS requirement. This is different from the former generic UMID replacement process, which required a notarized affidavit when the old card could not be surrendered.

An affidavit may still be required when:

The partner bank requests one;
A legacy SSS record requires manual handling;
You are replacing a GSIS eCard or bank card;
The loss involved theft or disputed transactions; or
Another institution requires proof that the missing ID was reported.

A useful affidavit of loss normally states:

Your full legal name and address;
The type of card and issuing agency;
The card or account details that can safely be disclosed;
When and where you last possessed it;
How you discovered the loss;
The efforts made to locate it;
Whether the card was connected to a bank account;
That you reported the loss to the bank or agency; and
The purpose for which the affidavit is being executed.

Sign only in front of the notary. Bring another competent proof of identity. Do not publish the notarized affidavit online because it may contain personal information that could assist an impersonator.

What If You Lost an SSS UMID Pay Card or MySSS Card?

Because these are bank-enabled cards, there are two separate matters:

The bank must block and replace the access device.
SSS must maintain the correct disbursement-account record.

SSS Circular No. 2025-008 provides that replacement of a lost or damaged MySSS Card is subject to the policies of the participating financial institution. A UMID Pay Card being replaced through the same bank is handled under the same general rule.

Do not submit a fresh MySSS Card application through a different bank while the old card account remains active unless SSS and the banks have instructed you to do so. SSS permits only one MySSS Card arrangement at a time. To switch banks, the existing MySSS Card or UMID Pay Card account generally must first be terminated or deactivated by the current bank and reflected as inactive in SSS records. (Social Security System)

What If You Lost a GSIS UMID Card or eCard?

For a GSIS-issued card, immediately notify the servicing bank identified in your GSIS or pension records. GSIS instructions for lost cards direct members to contact the bank and process the bank-card replacement, which may involve a replacement form, fee, proof of identity, and affidavit of loss. (gsis.gov.ph)

GSIS has transitioned away from issuing new physical UMID identity cards. Its current system uses:

The GSIS Digital ID available through the GSIS Touch mobile application for identification; and
A separate ATM card from the member’s or pensioner’s servicing bank for receiving and accessing funds.

Accordingly, losing a GSIS UMID may require two practical solutions: activate or retrieve your GSIS Digital ID, and separately request a replacement ATM card from the bank. Existing benefits should remain in the account even while the physical card is being replaced, subject to the bank’s access and verification rules. (gsis.gov.ph)

Practical Documents to Prepare

The exact requirements depend on the card and bank, but prepare the following:

Document or information	Why it may be needed
SS or BP number	To locate your membership record
My.SSS or GSIS account access	To verify records and submit or monitor requests
National ID registration	Required for MySSS Card identity verification
One other valid government ID	Commonly required by the partner bank
Police report	Helpful for theft, fraud, or disputed transactions
Notarized affidavit of loss	May be required by the bank, GSIS, or for a legacy case
Bank report reference number	Evidence that the card was promptly blocked
Screenshots or account statements	Needed when disputing unauthorized transactions
Updated mobile number and email	Required for notices and one-time passwords

Avoid surrendering original civil-registry documents unless the receiving office specifically requires them. Obtain a receipt or acknowledgment for every original document submitted.

Common Problems and How to Handle Them

Your SSS and National ID details do not match

Determine which record is wrong. A correct National ID record will not automatically correct the SSS database, and an SSS correction will not automatically amend the National ID system. Complete the appropriate record correction before restarting the application.

The MySSS Card option does not appear

Check whether your SS number is permanent, your My.SSS account is fully registered, and your contact details are complete. Existing active UMID Pay Card or MySSS Card accounts may also prevent a second application. Contact the SSS through its official hotline 1455 or official support channels rather than using a fixer. (Social Security System)

You urgently need a valid ID

While waiting, use your National ID, Digital National ID, passport, driver’s license, PRC ID, or another identification accepted by the institution. The SSS states that old UMID cards remain valid, but acceptance of the new MySSS Card outside SSS transactions depends on the receiving institution’s policy. (Social Security System)

The lost card is later returned

Do not use a bank-enabled card after the bank has permanently blocked or replaced it. Destroy or surrender it according to the bank’s instructions. A temporarily locked card should be unlocked only after you are satisfied that it remained secure.

Someone is using a photograph of your UMID

Notify the organization where the image is being used, preserve screenshots and messages, and report the incident to the SSS or GSIS, the relevant bank, and law enforcement when necessary. Personal information on government IDs is protected by the Data Privacy Act of 2012, RA No. 10173, although the appropriate remedy will depend on who obtained, disclosed, or misused the information. (Lawphil)

For OFWs and Members Living Abroad

An SSS member abroad may qualify for a MySSS Card if the selected partner bank offers the necessary onboarding and release arrangements. SSS rules allow some applicants abroad to designate an authorized representative to claim the card, but this remains subject to the partner bank’s policy.

When an affidavit or authorization executed abroad is required, ask the bank whether it will accept:

A document notarized by a Philippine embassy or consulate; or
A locally notarized document bearing an apostille from the competent authority in an Apostille Convention country.

Requirements differ by country and institution. Obtain the bank’s written instructions before paying for notarization, apostille, courier, or consular services. Philippine foreign-service posts recognize consular notarization and, where applicable, apostilled foreign documents for use in the Philippines. (Philippine Embassy in New Delhi)

Foreign nationals cannot obtain a UMID merely because they need a Philippine ID. Eligibility must arise from valid SSS or GSIS membership. For the MySSS Card, the person must also satisfy SSS requirements and be registered under the National ID system, which covers qualified resident aliens as well as Filipino citizens.

Frequently Asked Questions

Can I replace my lost UMID card at any SSS branch?

The current SSS replacement route is generally the online MySSS Card application, followed by the selected partner bank’s process. The former branch-based generic UMID replacement rules were repealed when SSS shifted to the MySSS Card.

Is my old UMID card still valid?

Yes. Previously issued SSS cards remain valid unless cancelled, deactivated, damaged, or replaced. Losing the physical card does not erase your SSS membership or contribution record. (Social Security System)

How much does it cost to replace a lost UMID?

The My.SSS portal application has no SSS processing fee, but the partner bank may charge for issuance or replacement. RCBC currently publishes a ₱200 physical-card or replacement fee for relevant debit-card services, subject to its current terms.

How long does UMID replacement take?

For a MySSS Card, SSS publishes a target of 15 working days in Metro Manila and 20 working days outside Metro Manila after successful bank-account opening. Record mismatches, incomplete bank verification, unpaid fees, and card-production delays can extend the period. (Social Security System)

Can someone withdraw money using my lost UMID?

A generic identification-only UMID cannot by itself access an ATM account. A UMID Pay Card, MySSS Card, or GSIS bank card may be used as a debit or ATM card, although transactions normally require a PIN or other authentication. Block a bank-enabled card immediately because contactless, online, account-recovery, or social-engineering risks may still exist.

Do I need a police report?

Not for the standard online MySSS Card application. Obtain one when the card was stolen, fraudulent transactions occurred, several identity documents were lost, or the bank or agency asks for formal evidence.

Do I need a notarized affidavit of loss?

It is not a standard documentary requirement for the current MySSS portal application. A bank, GSIS, or SSS office handling an unusual legacy case may still require one.

Can I continue receiving SSS benefits while waiting for the card?

Once the partner-bank account has been opened and linked, SSS proceeds may be credited to that account even before the physical card is released. For RCBC DiskarTech, the account’s in-app functions may be available after verification without waiting for the physical card. (DiskarTech)

Can my representative claim the replacement card?

Possibly. SSS permits this subject to the partner bank’s policy. The bank may require a written authorization or Special Power of Attorney, copies of valid IDs, and properly notarized or apostilled documents for an authorization executed abroad. (Social Security System)

What should I do if I cannot pass the National ID facial verification?

Check your lighting, camera permissions, internet connection, and whether your SSS name and birth date match the National ID record. Persistent failures should be raised with SSS or the National ID authority rather than handled through an unofficial agent.

Key Takeaways

Block a lost UMID Pay Card, MySSS Card, or GSIS bank card immediately.
The SSS now generally replaces lost old UMID cards through the MySSS Card, not by issuing another generic UMID.
Apply through My.SSS, complete National ID verification, and finish the selected partner bank’s process.
The SSS online application has no processing fee, but the bank may charge a card or replacement fee.
An affidavit of loss is not a standard requirement for the current MySSS application, although a bank, GSIS, or legacy case may require one.
For a lost GSIS UMID, use the GSIS Digital ID for identification and contact the servicing bank about replacing the ATM card.
Preserve report numbers, transaction records, screenshots, and police documents if theft or unauthorized use is involved.