If your mobile phone is stolen and has the bank app or InstaPay installed, consider it a financial emergency.
Steps
Immediately deactivate your SIM card with your mobile provider, then contact the banks linked to your phone from their official numbers and report the theft.
Inquire about the security of your digital services and associated cards.
Change your email password and any sensitive account passwords from a trusted device, and review your recent transactions immediately.
For any financial issues or account registration related to InstaPay, the official support page directs you to contact your bank regarding registration or transaction complaints.
If you receive a deduction or transfer that isn't yours, file a formal complaint and obtain a reference number.
Don't rely solely on locking your phone screen.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.