Recommended rules for using payment cards

If you accept a payment card by post, check that the mail has not been damaged or opened in any way. Keep your payment card in the packaging and protect it from external influences, such as strong magnetic fields, extremely low and high temperatures, and from mechanical damage. Always keep the card in a safe place and do not lend it to anyone.

Remember your PIN once you have received it; we recommend destroying the PIN envelope afterwards. Never write down your PIN on the payment card and do not leave it freely accessible. Protect your PIN from being observed, e.g., by covering the keyboard with your free hand. For contactless transactions up to EUR 50, it is usually not necessary to enter a PIN code.

You can activate your payment card by inserting it into the POS terminal or ATM and entering the PIN code for your first payment card transaction.
 
When paying, it is important to follow the instructions at the payment terminal. If by chance a situation arises that a contactless transaction will be declined, the transaction can be repeated by inserting your payment card into the terminal and entering the PIN code.

When withdrawing cash from ATMs, check the card insertion inlet for signs of damage or tampering and also whether it matches any image on the ATM monitor. Enter the PIN only on the ATM keypad and not on the entrance door device of the self-service zone where the ATM is located. Do not be disturbed by anyone during the transaction, and in case of disturbance by an unknown person, first complete or abort the transaction completely. When receiving banknotes, check their number and do not forget to take your payment card or cash withdrawal receipt. Keep everything immediately. If the ATM holds the payment card for any reason, please contact us immediately on the toll-free line +420 800 226 558 or in case of calling from abroad on +420 221 710 257.

When paying by card at the terminal of a point of sale, check the amount required for payment. Enter the PIN only on the device attached to the terminal and at the same time check whether the terminal operator leaves with the payment card into the background or handles it in an unusual way. On the proof of payment, check the date, amount and name of the point of sale. Keep your proof of payment for any complaints. After payment, check that the terminal operator actually returned your card.

When paying by card on the Internet, use only trusted websites. Secure websites are displayed by a locked padlock icon or an intact key symbol. When paying, use the Mastercard ID Check secure payment system with 3D Secure security standard. Do not provide a three-digit CVC2 code (listed on the back of the payment card) or a 3D Secure code (intended for internet payments only) in e-mails. In case of any doubt, please choose another payment method.

To block a payment card, contact the toll-free line at +420 800 226 558, when calling from abroad, use the phone number +420 221 710 257.

The service is available 24 hours a day.

If, during a regular check of your account statement, you notice differences in the posting of a payment card transaction, contact your private banker without delay and immediately complain about the transaction. If you have available documents (accounts, e-mails) for the claimed transaction, attach them to the complaint. You can file a complaint within 13 months from the date of the transaction.

The bank's complaints procedure is available (Slovak language) tu.

Be vigilant and avoid these types of internet scams. Their goal is to rob you of your funds.

• Vishing - the attacker tries to obtain sensitive data from you by phone, e.g.: payment card number, expiration, CVV/CVC or verification code, or other personal data and access passwords to Internet banking.
• Phishing - similar to the first case, the attacker tries to lure access data to your account or sensitive card data from you using electronic communication.
• Pharming - a type of fraud in which you are redirected to a fake website in order to obtain account access data or sensitive data from your card.
• Smishing - fraudulent text messages that refer you to a fake website where you are asked for a confirmation code from a text message to make a payment or to register on your behalf for Apple Pay or Google Pay.
• Skimming - through a skimming device at an ATM or POS terminal, fraudsters unlawfully obtain your card data and PIN, subsequently a duplicate card is produced, with which cash withdrawals from ATMs abroad are made.