Usage guide for Visa/MasterCard Export and Credit Bank Payment Cards

With your Visa/MasterCard payment card you can:

1. Withdrawal cash from ATM in the country and abroad 24 hours daily
The withdrawal of the cash with your VISA/MasterCard/Maestrocard is not limited in the country borders. Cash from debit or credit card you can withdrawal from the ATM abroad equally easy as you do that in your country. The cash can be withdrawn from every ATM that has VISA/MasterCard/Maestro trade mark. In the currency of the country where you are.

Each payment card has daily and weekly limit for withdrawal of ATM cash withdrawal. To be informed for your daily/weekly limit please contact the VISA/MasterCard/Maestro center of Export and Credit Bank.

2. To pay for products/services in the country and abroad
The card usage for payment of products or services is trend in continuous increasing in the country, as in the world.  Instead of wearing money with you most of your payment can be realized easily with your card. You can pay in the shops, supermarkets, gas station, restaurants and other places where the VISA/MasterCard/Maestro trademark is exposed.

EX Bank allow you discounts of the products paid with your VISA/MasterCard cards at the places with which the Bank has collaboration for approval of the discounts.

Additional useful information

Check the expiry date of your card month/year. When the card expires the Bank automatically reissue new card and inform you for that. The reissued card can be taken at the end of the month when the previous issued card expires.

• Pay attention to the security of your card. Don’t leave it at exposed places from where it can be stolen and don’t give it to the other persons.
• Keep your PIN code at safe place. Do not tell the PIN code to anyone even banks employees or legal authorities. Do not keep the PIN code together with you card
• In case of ATM usage three times successive you enter wrong PIN code, your card will be taken. For returning of the card it’s necessary to contact the Bank.
• When you use ATM, at the time period of 20 sec if you don’t withdrawal the card or cash the ATM will retain them.
• Keep your receipt from ATM and stores and compare with the bank statement. If certain amount is not correct or if you notice certain transaction on which you can’t remember immediately contact the Bank.
• In the store. Check the receipts from the stores and the amount of the POS terminal to be ensured that the amount is correct before confirm the transaction with your personal signature or with entering of your PIN code.  Assure that the seller has returned it your card together with your sample from the sale copy.
• Internet Shopping. Buy at merchants for which you have information that are eminent and credible merchants. Do not enter the PIN data. Assure that the card data are safely protected before sending by Internet.  In the left corner of the web window you should look for symbol of lock or clasp lock which is indicator that the data are secure. Before you perform buying read the delivery policy and policy for return of the good/service at the web site of the merchant.