U-KEY refers to the digital certificate of debit card online banking and cannot replace debit card. It is only used for online payment and transfer, and can't be used independently when you need to deposit or withdraw money at ATM. And if it is opened, the cardholder must bring his debit card and his ID card to open online banking to get it. Without ID card and debit card, it is impossible.

Now, you can call China Merchants Bank 95555 to report the loss of your debit card orally. It doesn't matter if you don't remember the card number. You can also report the loss orally by reporting your ID number. Then go to the police station to reissue the ID card, and temporary id card will get it in 2-3 days. Then take temporary id card to China Merchants Bank to report the loss in writing, and get a new card after 10 days. All the money under the original debit card is transferred to the new card, and the old card is invalid. Only when you get a new card can you open online banking to receive U-KEY.