Lost wallet, documents or phone

The list adapts to you

When you add it, the checklist asks a couple of questions and keeps only the items that fit your situation.

• Where did this happen? In my home countryAbroad

What's inside

1. Figure out exactly what's missing

   Mentally list what was in the wallet and phone: cards, ID, license, keys, SIM. It takes a minute and saves time on every step after — you'll know exactly what to block and replace.

2. Freeze your bank cards immediately

   Do this right away through your banking app or hotline — keep your bank's phone number written down somewhere other than the phone you might also lose.

3. Block your SIM card with your carrier

   It receives codes from your bank and every other service — while it's active on someone else's device, every account tied to SMS verification is at risk.

4. Locate, lock or wipe the phone remotely

   Use Find My (iPhone) or Find Hub (Android) from another device — try a remote lock first, and only wipe it fully once you've given up on recovering it.

5. Change your email password from another device

   Email is the master key to every other account via password recovery. Change it first, and never from the device you just lost.

6. Sign the lost device out of your accounts

   Security settings for email, banking and social apps usually show active sessions — end the lost device's session on every account that matters.

7. Recover two-factor authentication access

   If your authenticator app lived only on the lost phone, use the backup codes you got when you set up 2FA, or the service's recovery process — this can take a day or two.

8. Deal with any keys that went missing

   If house or car keys were with the wallet, and your ID makes your address traceable, consider changing the lock or giving a heads-up to a neighbor or building manager.

9. File a police report

   The report number is often required to replace official documents, and it protects you if someone tries to use your lost ID for anything.

10. Check statements and dispute unauthorized charges

    Watch your card statements for a few days after blocking — if anything was charged before you froze the card, your bank can open a dispute for it.

11. Start replacing your main ID

    Check the process and fee with your local authority — you're usually issued a temporary ID for the time it takes to process the new one.

12. Replace the rest of your documents

    Driver's license, insurance card and other IDs are usually replaced after your main ID — most offices ask for it as proof of identity first.

13. Check your credit report

    About 2–4 weeks after the incident, pull your credit report to make sure nobody opened a loan or credit line using your lost ID.

14. Give your close contacts a heads-up

    Scammers love messaging friends and family 'I'm in trouble, send money' from a hacked account — a quick warning saves someone from falling for it.

15. Keep document copies in the cloud going forward

    Too late for this time, but photos of your ID, cards and insurance in cloud storage will make the next recovery much faster.

16. Contact your country's consulate Abroad

    Your consulate can issue an emergency travel document instead of a full passport — it's enough to fly home even without a replacement passport yet.

17. Get a report from local police Abroad

    You'll need it both for the consulate's emergency document and for an insurance claim — file it as early as possible.

18. Contact your travel insurance Abroad

    Check whether your policy covers stolen or lost documents and belongings — some plans reimburse part of the replacement costs.

19. Arrange an emergency money transfer Abroad

    If your cards are blocked and you're out of cash, have someone at home send money through a transfer service or a partner bank operating in that country.

20. Confirm your airline accepts the emergency document Abroad

    Most carriers will board you with an emergency travel document instead of a passport — confirm this with the airline ahead of time, not at the airport.