If your wallet is lost, first disable the cards that let a finder spend money directly: report the credit card to the issuing bank (misuse after the report is borne by the bank; before the report your excess is at most NT$3,000), and report the ATM card (金融卡, the cash-withdrawal card) to the bank that holds your account (where the bank has already paid out on misuse before the report, that payment is in principle treated as paid to you, which means you bear the loss). Then report your ID card as lost, and apply for a replacement ID card (fee NT$200), National Health Insurance (NHI) card (card fee NT$200) and other documents. At the same time, report it to a nearby police station (派出所) to leave a record; if someone finds the wallet and hands it to the police, the claiming period under the Civil Code is 6 months, and you can claim it at any time within that period.
Note: The credit card and ATM card rules in this article come from the financial regulator's model standard-form credit card contract (amended September 12, 2014) and its model standard-form terms for the ATM card attached to a demand (savings) deposit contract (amended October 24, 2011). Each bank's contract may set its own terms within the caps, so your agreed terms prevail. The fees and procedures for the ID card, NHI card and passport are compiled from the Ministry of the Interior's household registration department, the NHI card fee schedule and the notices of the consular affairs bureau of the Ministry of Foreign Affairs; if they change, the latest notice of each agency prevails.
Reporting order checklist: money first, documents second
The order below is this article's suggestion, based on which card would cause a direct money loss if someone else used it; the fees and fee caps come from the rules of each competent authority.
| Order | Item | What to do | Cost | Further reading |
|---|
| 1 | Credit cards | Report the loss by calling the number on the back of the card or the customer service number in the bank's app; call each issuer for every credit card you hold | The fee for reporting a loss is set by the bank, capped at NT$200 | What to do if your credit card is used fraudulently |
| 2 | ATM card (金融卡) | Report the loss to the bank that holds your account, in the way set out in your agreement | The fee for a replacement card is set by the bank, capped at NT$100 | The next section of this article |
| 3 | ID card | Report the loss first (the household registration department's website has an online entry that uses a citizen digital certificate (自然人憑證) and one that does not), then apply for a replacement at any household registration office in Taiwan; if you are 14 or over you must apply in person | NT$200 per replacement card | How to replace a lost ID card |
| 4 | NHI card | Apply for a reissue; for how to see a doctor before the replacement card arrives, see the further reading | NT$200 per card | How to get a lost NHI card reissued |
| 5 | EasyCard and other e-tickets | For how to report a registered card lost, see the further reading | According to each e-ticket company's terms | EasyCard refunds and registered-card loss reports |
| 6 | Driver's license, vehicle license | Apply for a reissue at the motor vehicle authority (監理機關) | According to the announcements of the highway bureau's motor vehicle services website (公路局監理服務網) | — |
| 7 | Passport (lost in Taiwan) | Go in person with identity documents to the police precinct (警察局分局) where it was lost, or any police precinct in Taiwan, to report it; get the original of the passport loss report form (護照遺失申報表), then apply for a reissue | According to the passport fee schedule | Further down in this article |
Your liability before and after reporting differs greatly between credit cards and ATM cards
| Credit card | ATM card (金融卡) |
|---|
| Misuse after the report | Borne by the issuing bank (except where the cardholder allowed someone else to use the card, intentionally or through gross negligence disclosed the PIN, or colluded in false transactions) | The required terms do not set this out item by item; see each bank's terms |
| Misuse before the report | The cardholder bears an excess, capped at NT$3,000; misuse within the 24 hours before the time of the report is not charged to the cardholder | Where the bank has already paid, it is treated as having been paid to the depositor (which means you bear the loss); but where the bank, or the financial institution that operates the ATM, did not exercise the duty of care of a good manager in controlling its information systems or there is another reason attributable to it, the bank is still liable |
| Consequences of delay | If you knew and did not notify the bank immediately, or still had not notified it more than 20 days after the due date of the current payment period, the cap on the excess may not apply | Misuse before the report is borne by you; the later you report, the higher the risk |
| Fee caps | Fee for reporting a loss: NT$200 | Replacement card: NT$100; unlocking a card: NT$50 |
| Basis | Article 17 of the model standard-form credit card contract | Items 10 and 11 of the required terms of the standard-form terms for the ATM card attached to a demand (savings) deposit contract |
The ATM card rules are much stricter than the credit card rules: if money is withdrawn before you report the loss, the depositor in principle bears it. If the PIN is kept with the card (for example written on it), the risk is higher once it is lost. What follows is this article's suggestion: as soon as you find the wallet is missing, report the ATM card and the credit cards as lost at the same time, right away.
Should you call the police? What duties does a finder have?
Reporting to the police is not a precondition for reporting a card lost, but a police report on record has practical uses: Article 17 of the model credit card contract provides that when the bank considers it necessary, it will notify you within 10 days after accepting the loss report, asking you to report to the local police or supplement the notice in writing within 3 days; for a passport lost in Taiwan, a reissue must be applied for with the original passport loss report form issued by the police.
The Civil Code rules on finding lost property are as follows:
| Rule | What it says | Provision |
|---|
| Finder's duty | Must promptly notify the loser or the owner, or report to the police or the local self-governing agency and deposit it; if found in an agency, a school or a public place, the finder may also hand it to the manager of that place | Civil Code Article 803 |
| Claiming period | Within 6 months from the date of notice or the last public announcement, it must be returned when a person entitled to receive it claims it | Civil Code Article 805, paragraph 1 |
| Finder's reward | May be claimed, but may not exceed one-tenth of the item's property value; the right lapses if not exercised within 6 months | Civil Code Article 805, paragraphs 2 and 4 |
| No reward may be claimed | The item was found by a manager or employee in a place the public may enter or inside a transport facility; the finder did not notify, report or deposit within 7 days; the owner is a low-income household, a middle-low-income household or a family in special circumstances (特殊境遇家庭), or there are other urgent circumstances | Civil Code Article 805-1 |
| Not claimed in time | If not claimed after more than 6 months, the finder acquires ownership; lost property worth NT$500 or less has shorter periods of 15 days or 1 month | Civil Code Articles 807 and 807-1 |
| Embezzling lost property | Anyone who embezzles lost property with the intent to possess it unlawfully is punished with a fine (罰金) of up to NT$15,000 | Criminal Code Article 337 |
After documents are lost: preventing accounts and loans opened in your name
Under Article 13 of the regulations for managing deposit accounts and suspected illegal or clearly abnormal transactions (存款帳戶及其疑似不法或顯屬異常交易管理辦法), when a bank accepts an account opening it must check, through the inter-bank credit information center (財團法人金融聯合徵信中心, “聯徵中心”), the records of ID card issuance, replacement and renewal and the records of reported cases, so once you have reported your ID card lost and replaced it, banks can see that when opening accounts. The follow-up actions below are this article's suggestions:
- Check your own credit report: the credit information center provides one free personal credit report each year, which you can view online by computer or mobile device, or apply for at the counter (1F, No. 2, Sec. 1, Chongqing S. Rd., Zhongzheng Dist., Taipei City) or by mail; the public inquiry hotline is 02-2316-3232. If the report shows an inquiry you do not recognize or a newly opened account, deal with it immediately.
- Annotation by the party concerned: at the request of the party concerned, the credit information center can annotate your personal data file with a statement about your dealings with financial institutions (for example, that you will not apply for loans or credit cards again); financial institutions can see it when approving a loan, a card or an account opening, but it serves only as a prompt.
- If an account opened in your name becomes an alert account (警示帳戶): according to the Criminal Investigation Bureau's instructions for filling in the “application for lifting alert account status,” bring proof of identity and the credit information center credit report to the investigation team of the police precinct for your place of household registration to ask for help; for details see what to do if your account is listed as an alert account.
Things to note when a passport or driver's license is lost
The consular affairs bureau's reissue instructions provide that for a passport lost in Taiwan that has not expired, the holder must go in person with identity documents to the police precinct where it was lost or any police precinct in Taiwan to report it, and apply for a reissue with the original passport loss report form; a passport that has expired is simply renewed, with no police report needed. A reissued passport is valid for at most 5 years (3 years for those under 14). Once a passport has been reported lost, even if it is found it is still treated as lost: the report cannot be withdrawn and the passport can no longer be used; if there are 2 or more loss applications within the last 10 years, the applicant may be called in for an interview and the validity period shortened.
A lost driver's license or vehicle license must be reissued by the motor vehicle authority; the explanation pages of the highway bureau's motor vehicle offices could not be read automatically at the time of verification, so for fees, whether you can apply online and the documents to bring, follow the announcements of the highway bureau's motor vehicle services website or your local motor vehicle office.
FAQ
My wallet is lost. Do I call the police first or report the cards lost first?
Report the credit cards and ATM cards lost first. After a credit card is reported lost, misuse is borne by the bank, and before the report you bear an excess of at most NT$3,000; if an ATM card is misused before it is reported and the bank has already paid, it counts in principle as your loss. Report to the police after you have reported the cards, to leave a record.
How much does it cost to replace an ID card, and where do I do it?
A replacement costs NT$200 per card and can be done at any household registration office in Taiwan; if you are 14 or over you must apply in person, bringing the original household register or a photo-bearing identity document, and 1 photo taken within the last 2 years (the photo can be waived if your photo image has been on file within 2 years and matches your appearance).
Do I have to pay to have an ATM card reissued?
Under the required terms of the ATM card standard-form terms, a bank may agree to charge a fee for a replacement card of at most NT$100 each time; but it may not charge it unless the bank proves that the card needed replacing for a reason attributable to the depositor. Whether a fee is actually charged, and how much, follows each bank's terms and fee notices.
Can the person who found my wallet ask me for a reward?
They can claim one, but under Article 805 of the Civil Code it may not exceed one-tenth of the item's property value; if the wallet was found by a manager in a place such as an MRT station or a shopping mall, or the finder handed it in more than 7 days later, or the owner is a low-income household or a middle-low-income household, no reward can be claimed.
If my passport was lost and I find it later, can I still use it?
No. The consular affairs bureau provides that a passport reported lost and then found is still treated as lost, the report may not be withdrawn and the passport may not be used again; you need to apply for a reissue.
Last updated: 2026-11-03
This article was compiled by the SOSfix editors from public information and is for general reference only; for your own case, contact your card issuer, your account bank, the household registration office, the National Health Insurance administration (中央健康保險署) or the police.
Sources
- Financial regulator's shared regulation system (金融監督管理委員會主管法規共用系統): model standard-form credit card contract (amended September 12, 2014; verified 2026-11-02) (in Chinese): Article 17, the NT$200 cap on the fee for reporting a loss, liability before and after the report, the NT$3,000 cap on the excess, no charge for the 24 hours before the report, no notice after 20 days, notice within 10 days and a police report within 3 days.
- Financial regulator's banking bureau financial law search (金管會銀行局金融法規檢索): model standard-form terms for the ATM card attached to a demand (savings) deposit contract (announced and amended October 24, 2011; latest data time in the database 2026-10-22; verified 2026-11-02) (in Chinese): misuse before the report treated as paid, and the caps of NT$100 for a replacement card and NT$50 for unlocking.
- Financial regulator (金融監督管理委員會): required terms of the standard-form terms for the ATM card attached to a demand (savings) deposit contract (October 24, 2011, document no. 10000332260; verified 2026-11-02) (in Chinese): item 10 fee caps, item 11 loss reporting and liability for misuse.
- Ministry of the Interior household registration department (內政部戶政司): household registration service guide, applying for a national ID card (first issuance, replacement, renewal) (verified 2026-11-02) (in Chinese): NT$200 per replacement card, applying in person from age 14, documents to bring, and acceptance at any household registration office in Taiwan.
- Ministry of the Interior household registration department (內政部戶政司): how to report a national ID card lost and cancel the report (verified 2026-11-02) (in Chinese): online loss reporting has two entries, one that uses a citizen digital certificate and one that does not (the main content of the page loads with JavaScript; for details see this site's article on ID card replacement).
- National laws and regulations database (全國法規資料庫): fee schedule for National Health Insurance cards (全民健康保險保險憑證收費標準; amended December 10, 2009; verified 2026-11-02) (in Chinese): Article 2, NT$200 per NHI card.
- Consular affairs bureau of the Ministry of Foreign Affairs (外交部領事事務局): instructions for applying in Taiwan for a reissue of a lost passport that has not expired (updated 2024-03-20; verified 2026-11-02) (in Chinese): reporting to a police precinct to get the passport loss report form, a reissued passport valid for 5 years (3 years for those under 14), a found passport still treated as lost, and the limit for 2 or more times within 10 years.
- National laws and regulations database (全國法規資料庫): Civil Code (verified 2026-11-02) (in Chinese): Articles 803, 805, 805-1, 807 and 807-1, on notice of lost property, the 6-month claiming period, the reward of one-tenth and the cases in which no reward may be claimed.
- National laws and regulations database (全國法規資料庫): Criminal Code (中華民國刑法; amended July 22, 2026; verified 2026-11-02) (in Chinese): Article 337, embezzling lost property, a fine of up to NT$15,000.
- National laws and regulations database (全國法規資料庫): regulations for managing deposit accounts and suspected illegal or clearly abnormal transactions (amended August 31, 2026; verified 2026-11-02) (in Chinese): Article 13, banks must check ID card issuance and replacement records with the credit information center when opening an account.
- Inter-bank credit information center (財團法人金融聯合徵信中心): how to obtain a credit report (verified 2026-11-02) (in Chinese): one free report each year, online viewing, the counter address and the public inquiry hotline 02-2316-3232.
- Inter-bank credit information center (財團法人金融聯合徵信中心): credit data annotations (verified 2026-11-02) (in Chinese): the purpose of an annotation by the party concerned, and that it serves only as a prompt.
- Criminal Investigation Bureau of the National Police Agency, Ministry of the Interior (內政部警政署刑事警察局): application for lifting alert account status and filling-in instructions (applicable from October 15, 2021; verified 2026-11-02) (in Chinese): if an account was opened in your name, bring proof of identity and the credit information center credit report to the investigation team of the police precinct for your place of household registration to ask for help.
