Lost or Damaged SSS UMID Card: Replacement Steps and Fees

Your next step depends on which card you had. A plain SSS UMID, a UMID ATM/Pay Card and a MySSS Card need different handling. Identify the issuer before preparing forms or paying a fee.

The official SSS MySSS Card guide says previously issued SSS cards remain valid and members may apply for a MySSS Card when replacement is needed. A usable existing UMID does not need replacing just because a newer card exists.

Documents and account details to prepare

Start with your existing SS number, access to My.SSS, current contact details and any record of the old card or application. If the card is damaged, keep it securely until the issuer tells you whether to surrender it. A photograph or photocopy may help identify the old card, but ask what identification the receiving office actually requires.

For a new MySSS application, the 2026 SSS Citizen’s Charter, MySSS Card service requires a permanent SS number, a My.SSS account, updated contact/address information and National ID authentication. Your name and birth date must match across the SSS and National ID records. Registration and successful authentication matter; having the physical National ID card is not compulsory.

The partner bank also checks identity. For example, RCBC DiskarTech’s published requirements include a government-issued ID and selfie. Its MySSS route currently excludes applicants with an enrolled UMID ATM/Pay Card or an active DiskarTech account. Check those conditions before starting; losing a card does not remove its enrollment.

How much does replacement cost?

Confirm the fee for your specific request. RCBC publishes a ₱200 fee deducted from the DiskarTech account when a physical MySSS Card is successfully requested. That is a card-issuance charge, not a verified price for every lost UMID, damaged bank card or later reissue.

The old ₱200 SSS replacement procedure appears in SSS guidance about the 2021 resumption of UMID applications. It should not be used as an instruction to pay an SSS teller today. For an existing bank-linked card, ask the bank to confirm the replacement charge, any delivery cost, payment method and available card product before you authorize payment.

What to do, step by step

1. Identify your card and report a bank-card loss

Check a saved card image, bank app or account-opening message for the issuer. For a missing bank-linked card, use the bank’s official app or support channel to report it promptly. Ask for confirmation that the card is blocked and save the case reference. RCBC lists lock and block controls in its app; UnionBank provides card-security help through its official Help Center.

If you notice transactions you do not recognize, raise those with the bank as part of the report. Ask how you can access your account while waiting and whether the replacement will retain the same account details.

2. Separate card replacement from switching banks

Tell the bank whether you want a replacement for the existing account or intend to move to a different MySSS partner bank. Ask it to explain the consequences before choosing. Do not request account closure merely because the plastic card is missing.

Under SSS’s bank-switching rules, the existing MySSS account must be closed and the card deactivated in SSS records before a new application with another partner bank; the rule also covers UMID Pay Card holders. The SSS MySSS launch announcement explains that the new account becomes the main account for SSS disbursements. Check pending payouts with SSS and the bank before arranging a switch.

3. Check whether your case needs an affidavit

The general MySSS checklist does not list an affidavit of loss or R-6 payment form as standard application requirements. An issuer may have separate documentation for an existing lost bank card. Ask for its current checklist before paying a notary or printing old forms.

If an affidavit is requested, confirm what details it must contain. Describe whether the card was lost, stolen or never received accurately; these are different situations. Obtain the notary’s fee directly instead of relying on the old price estimates in replacement articles.

4. Correct names or other membership details first

A new card will not fix an incorrect membership record by itself. SSS directs members to submit a Member Data Change Request, Form E-4 (PDF), with documents supporting the particular correction. Its membership guidance also says simple corrections may be made through My.SSS.

For example, E-4 lists a birth certificate or passport for correcting a name or birth date, with additional requirements for certain cases. Marriage-related changes have their own supporting records. Read the applicable section and identification instructions; a single “bring two IDs” checklist does not cover every request.

Compare the corrected SSS information with your National ID record before applying. If the error is in the National ID record, seek correction with that agency. Allow the change to appear in the relevant system before retrying authentication, and keep the acknowledgment of your correction request.

5. Use the application route that fits your case

For an eligible new MySSS Card application, begin in My.SSS under Services → MySSS Card. Complete identity authentication, select an available partner bank and follow its account-opening instructions. Our UMID and MySSS application guide covers the full process.

For replacement of an existing bank card, follow the issuing bank’s case instructions instead. If you are unsure which route applies, describe the card type and existing account before submitting another application. For an SSS record problem, use the official SSS website to access its contact channels.

6. Review and pay only the confirmed charge

Check the card type, fee and release method on the bank’s instructions. Retain the payment confirmation with your application or case reference. If the displayed charge differs from what you were told, ask the issuer to clarify it before proceeding.

7. Complete the required verification

New MySSS applications use National ID authentication and the bank’s identity checks. The old instruction to queue for an SSS branch photo, fingerprints and signature is not the current MySSS process. For a bank-card reissue, ask the issuer what verification it needs for your existing account.

8. Follow the issuer’s release instructions

RCBC publishes pickup at the selected branch in 15–20 working days for its MySSS Card. Treat this as guidance for that issuance process, not a deadline for every lost-card replacement. Ask your issuer for the timetable attached to your request and wait for its collection notice.

For a delay, provide the bank with your reference, payment date and selected pickup branch. Ask whether the request is awaiting verification, production or release. For an old UMID that never arrived, ask SSS to trace the earlier application before assuming it was lost or paying for another card.

Frequently asked questions

PhilippineIDs.com is an independent information site, unaffiliated with SSS or partner banks. Use the official links above for applications and account-specific assistance.