Basic rules for safe card operations | Processing of card payment operations | Offer

Think of the payment card as money and handle it with the same due care as any other valuable items.
Please find below some basic rules for safe card operations:

1. General rules

1. You should sign your new payment card immediately, because:

a card is valid only if it is signed, and
if your card is signed, the possibility of abuse is reduced.

2. Destroy – cut the old, invalid or cancelled card.

3. Do not keep the card in the sun or close to other sources of heat, electromagnetic radiation or other harmful sources, as it can be damaged and become unusable.

4. Handle the card with care:

Keep it on you all the time,
Do not leave it in the car, wardrobe, etc.
When you pay with your card, make sure that you can see it at all times (in a restaurant, have the waiter use the portable POS terminal or accompany the waiter to the point of sale yourself, etc.).

5. Remember your card number (PIN) immediately after receiving it and destroy the envelope in which it was sent to you.

Do not keep your PIN together with your card!

7. Not even at home should you keep your PIN and your card together!

8. Your personal number will be kept safely only if you think of it as if it were your money!

9. A card is a personal item, and belongs only to you!No other person is allowed to use it in any way.

2. Basic rules for card operations at the points of sale

1. When paying with your card, never let it be taken out of your field of vision.

2. Supervise the entire card payment procedure (pay special attention in the restaurants).

3. Pay attention that the merchant authorises your card (pulls it through the POS terminal) only once.

4. Ask for “authorisation failed” slip for each unsuccessful authorisation.

5. Check the amount of the slip you are about to sign before signing it or entering your PIN.

6. When paying at the point of sale, make sure that no one can see you enter your PIN number.

7. If you notice someone watching you while you are paying with your card or standing too close to you, ask them to move aside.

8. The payment slips usually contain enough information about the card so you should destroy the old ones and prevent other persons from extracting important data about your card from such slips.

9. Before you throw away the payment slips, carefully check the statements of your consumption.You will only be able to determine your actual consumption by comparing the statements of consumption and the payment slips.

10. Do not sign any slips at the points of sale not intended for immediate payment of goods or services which contain future dates or are even blank.

3. The basic rules of web operations

1. The number of the card and the related data written on the card (validity date, the CVC2 code - a three-digit number printed near the signature strip on the back of the card) are confidential and unique data and you should not share it with all persons that show an interest in them.

2. When shopping over the Internet, do not enter your number in every possible field but only when you have previously decided that you want to buy something and pay for it with the card.

3. Make sure that the websites and merchants you buy from are safe and reliable.

4. Do not believe the electronic, telephone or other messages informing you that your card has been abused and asking you to tell them the data on your card or to log on to a “safety form” via a hypertext connection and enter some of your personal data, including the PIN of your card.

5. If you receive an electronic message from your bank, saying that your card had been abused and it seems suspicious, do not believe what it says.Delete such message or inform your bank and they will check the contents of the message.

6. Make sure that the computer you use for performing transactions over the internet is safe and well protected against viruses and abuse.

4. Basic rules for using the ATM

1. No one may see your personal number while you are performing a transaction at the ATM!Hide the keypad with your hand while entering your personal number and if a person is standing too close to you, ask them to please move further away.

2. Use the ATM by yourself!If you do not know how to use it, ask for instructions in your bank.Never ask a passer-by for help.

3. Use your card only in those ATMs that are located in populated and well-lighted places.

4. If you find any peculiarities or deviances from the usual functioning of the ATM anywhere in Slovenia (e.g. problems inserting the card in the machine, unusual items or devices on the ATM, cameras in strange positions, unusual slot into which the card is to be inserted, etc.) take your card and leave the ATM, and use another one.You are kindly asked to immediately inform the bank of any such occurrence on the telephone number written on the card and/or call the police on the number 113.

5. If the ATMs are located in closed places that you can only access by pulling the card through the reading device, you should know that you are never required to enter your PIN.If there is a device on the door asking you to enter your PIN, do not do that!

6. If the ATM does not return your card (if there is an obstacle in the slot in which the card is to be inserted) and there is a notice on the ATM asking you to re-enter your PIN, do not do that!There might also be a person standing close to the ATM suggesting that you re-enter your PIN and saying that they were an employee of the bank.Do not do that either!In both cases inform the nearest branch of the bank, Bankart’s authorisation centre on the telephone number +386 1 583 41 83 and/or call the police on the number 113.

7. If the ATM does not give you cash after a successfully performed transaction, immediately check the balance on your account.If the transaction has been cancelled and the balance on your account is correct, try withdrawing money again.If there is not enough cash in the ATM, look for another ATM nearby.If the transaction of the non-paid authorised withdrawal has not been cancelled (there is an obstacle in the slot where the cash is paid out), watch out for the next ATM user.Should you notice that the next user has performed an unusual operation (they did not insert a card, not enter a PIN, they behaved suspiciously, covered the slot where the cash is paid out and still received money from the ATM) or that several persons approached the ATM to hide the person performing a suspicious operation, inform the nearest branch of the bank, Bankart’s authorisation centre on the telephone number +386 1 583 41 83 and/or call the police on the number 113 as soon as possible.

5. Cancellation, report of lost or stolen card

1. Write down the telephone number you received from the issuer of the card that you can call round-the-clock, 365 days a year to report a lost or stolen card.

2. Report the cancellation or lost or stolen card immediately!This is the only way to block your card and ensure your safety.

3. Report the suspicion that your card has been stolen to the nearest police station.