A lost, stolen or broken phone costs you money. Without a backup it can also cost you years of photos, your contacts and the codes that let you into your accounts. This guide sets up backups and a plan for the day it happens. The four Essential items take about twenty minutes; the last of them is a list to keep for an emergency.

Essential

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Your phone can copy itself to the cloud every night. If you lose it, a new phone can be set up from that copy. Free storage is limited: 5 GB on iCloud, 15 GB shared across your Google Account. If the backup is too big, you may need to pay for more space or leave large things out.

iPhone

  1. Open Settings, tap your name, then iCloud → iCloud Backup, and turn on Back Up This iPhone.
  2. The phone backs up by itself when it is charging, on Wi-Fi and locked.
  3. To check it worked, look under Back Up Now: it shows the date and time of the last backup.

Android

  1. Open Settings → Google → All services (it may say Google services), then Backup, and turn on Backup by Google One.
  2. Choose what to include: Photos & videos, Device data, or both. The first backup can take up to 24 hours.
  3. On a Samsung, Settings → Accounts and backup → Samsung Cloud is a separate backup. Samsung's list of what it includes doesn't mention photos, so keep Google's photo backup on as well.
Essential

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A phone backup doesn't hold everything you would miss. Check these three things now, while you still have the phone.

All devices

  1. Login codes. If you use an authenticator app, make sure the codes are synced to your account or can be moved. In Google Authenticator, codes are only on the phone if you chose to use it without an account. Also keep your backup codes.
  2. Chats. WhatsApp, Viber and Signal keep their own backups, separate from the phone's: see Protect your chat backups.
  3. Anything that matters only to you. The rule from the UK's National Cyber Security Centre: back up anything you would miss if you could no longer open it.
Essential

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A few minutes of preparation make the first hour after a loss much easier. Without Find My or Find Hub turned on beforehand, you can't lock or erase the phone at all.

iPhone

  1. Turn on Find My: see Turn on Find My or Find Hub.
  2. Note your phone's serial number and IMEI: Settings → General → About. You can also see them later at account.apple.com, under Devices. The police may ask for them.
  3. Save your mobile operator's phone number somewhere other than the phone.

Android

  1. Turn on Find Hub: see Turn on Find My or Find Hub.
  2. Note your phone's IMEI. Your operator can use it to block the phone. You can also see it later in Find Hub at android.com/find: select the phone, then Settings.
  3. Save your mobile operator's phone number somewhere other than the phone, and keep your Google backup codes where you can reach them.
Essential

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Keep this list for the day you need it. Do the steps in this order, and erase the phone last: erasing can't be undone.

iPhone

  1. On any device, open icloud.com/find, sign in with the Find Devices button, select the phone and turn on Lost Mode. It locks the phone and suspends Apple Pay.
  2. Call your mobile operator to block the SIM, then get a replacement SIM for your number.
  3. Report the theft to the police. They may ask for the serial number.
  4. Change your Apple Account password: on another Apple device signed in to your account (Settings, your name, Sign-In & Security), or at account.apple.com (Sign-In and Security → Password). Call your bank about any cards that were on the phone.
  5. Erase the phone only when you have tried everything else to find it. Never remove it from Find My: that removes Activation Lock.

Android

  1. On any device, open android.com/find, select the phone and choose Mark as lost. A locked phone can't be used to pay in shops.
  2. Change your Google password from another device.
  3. Call your mobile operator to block the SIM, then get a replacement SIM for your number.
  4. Report the theft to the police with the phone's IMEI.
  5. Erase the phone only when you have given up on getting it back: after a factory reset, it disappears from Find Hub.
  6. Then open your Google Account, go to Security & sign-in → Your devices → Manage all devices, select the phone and sign out of it. Don't do this earlier: Find Hub can reach the phone only while it is signed in.
Advanced

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Your cloud backups are encrypted, but on iCloud the keys to most of them are kept by Apple, which can open them. Advanced Data Protection makes your iCloud Backup, Photos, Notes and more end-to-end encrypted: only your devices can open them. The cost: Apple can no longer help you recover that data, so you must set up a recovery contact or a recovery key first.

iPhone

  1. Set up a recovery contact or a recovery key: see Make sure you can get back in.
  2. Open Settings, tap your name, then iCloud → Advanced Data Protection → Turn on Advanced Data Protection, and follow the steps.
  3. All your Apple devices need recent software. Access to your data at iCloud.com in a browser is turned off; you can allow it again from a trusted device. Shared Albums keep working but are not end-to-end encrypted.

Android

  1. Google says part of your Android backup is end-to-end encrypted with your screen lock. Google Photos is not.
  2. Use a PIN, pattern or password as your screen lock, not a swipe: see Set a strong screen lock.