Will Your Debit Card Work If You Wash It and Dry It?

Debit cards sometimes accidentally go through a washing machine and dryer. Card functionality depends on its components and wash/dry conditions. Some cards may emerge undamaged, while others might be rendered unusable.

Key Components of a Debit Card

Modern debit cards contain functional parts for secure transactions. The magnetic stripe, a black strip on the back of the card, stores account information read by swiping. Many cards also feature an EMV chip, a small metallic square on the front, which encrypts transaction data for security when inserted into a compatible reader. Additionally, many cards incorporate a contactless (NFC) antenna, allowing “tap-to-pay” transactions by wirelessly communicating with a payment terminal.

Potential Damage from Washing and Drying

Water and heat from laundry cycles can impact sensitive card components; moisture can interfere with the electronic circuitry of the EMV chip and contactless antenna, potentially causing corrosion or short circuits within the card’s internal layers. While brief water exposure may not harm the card, prolonged submersion or detergent exposure can cause damage. High dryer temperatures can warp the plastic card, physically damaging embedded components. This heat can also demagnetize the magnetic stripe, rendering it unreadable, and compromise EMV chip or antenna connections. Warping can also make it difficult to insert or swipe the card.

Assessing Your Card’s Functionality

If your debit card went through the wash and dry, visually inspect it for damage. Look for warping, cracks, discoloration, or any bubbling around the EMV chip. Next, test the card’s functionality using all transaction methods: swipe via the magnetic stripe, insert into a chip reader, and tap for contactless payment. Test the card at an ATM or for a small, low-value purchase to minimize inconvenience if it fails. Remember that one method might still work even if others are compromised.

Steps if Your Card is Damaged

If your debit card is non-functional after testing, contact your bank. Find your bank’s customer service number on the back of the card or via your online banking portal. Inform them your card is damaged and request a replacement. Most banks offer a straightforward process for a new card, which may take a few business days to arrive. While awaiting your new physical card, many banks offer temporary digital card options that can be added to a digital wallet on your smartphone, allowing for online purchases or contactless payments where accepted.