Recommendations for safe use of cards

Protect your data

• Never provide card information (PIN, payment card number and other confidential information) and one-time numerical codes for confirming online transactions or activating services (eg Google Pay) to third parties. The bank will never, by phone, e-mail, social networks or in any other way, ask you to provide your PIN, your payment card number or the numerical code used to confirm a payment card transaction made online or to register the card for use. Google Pay applications. 
• Never respond to suspicious e-mails or open links contained in e-mails. If the sender is known to you, contact him at the phone number known to you in order to check the validity of the delivered email. 
• It installs anti-virus and firewall software (for spyware and malware detection) on your computer and mobile phone, in order to protect your data, and regularly updates these software.
• Regularly check the settings of your internet browser and choose at least a medium level of security, with mandatory checking of the associated digital certificate on the internet pages you access.
• Phishing is mainly carried out through emails or text messages in which users are often asked to share their personal information or to leave their information on fake websites, such as card number, PIN (password), CVC/CVV number from the card , and all with the aim of gaining unauthorized access to card and PIN data.
• Smishing is a type of phishing attack carried out using SMS. Smishing messages usually include a threat or an invitation to click for a connection, i.e. calling a number and revealing sensitive information, as well as installing some security software, which is actually malware.
• Vishing is a type of phishing attack that is carried out over the phone and often targets users of services via voice messages (eg Voice over IP - such as Skype). If you answer or call, they will try to get you to reveal your personal, financial or security information, or even to pay them money. 
• In order to protect yourself from the aforementioned scams, you need to pay special attention to the following elements in the message:

– Suspicious sender;

– The sender requests personal data and/or data related to the card, PIN, CVC/CVV number from the card;
– Message language (bad spelling, grammatical errors and text formatting);
– Elements of urgency or threats;
– Suspicious name of email and/or website that needs to be accessed.

Precautions for maximum safety

• Please note that the PIN (Personal Identification Number) is a secret, strictly confidential, personal identification number assigned by the Bank and known only to you, and serves to identify the Card User during transactions for which PIN identification is mandatory. 
• Remember your PIN, and destroy the PIN mailer or PIN notification or keep it in a safe place.
• Never reveal the PIN to other people or keep it written down near the card.
• When entering the PIN number, you need to protect the keyboard with your hand to prevent your PIN from being revealed.
• If you are not sure how to use an ATM, contact the nearest branch of the Bank to get the necessary information and instructions. Do not accept help when using an ATM from unknown persons.
• When you have successfully completed the transaction, put the money, card and confirmation of the completed transaction in a suitable place for you.
• If the ATM does not return your card, please call our free INFO Center immediately: 080 020 307.
• Card blocking number: + 387 33 497 657. In case of loss or theft of the card, call us immediately in order to prevent further abuse.

Precautions for safe online shopping

• Use a secure internet browser. Look for the letter "s" after "http" in the web address of the page or in the link you received.
• Before completing an online transaction, check the merchant's delivery and return or exchange policies. Check the possibility of returning the amount of purchases, and the costs related to the same.
• Be careful when shopping online, and always buy from trusted online stores and merchants you trust, who support the 3D Secure program. Find more information about the 3D secure program here.
• Do not hastily respond to offers received via social networks, e-mails, SMS messages or any other campaigns that may be fake so-called. phishing emails.
• Card information such as: full card number, expiration date, CVV code and 3D Secure are only entered when purchasing goods and services on verified, secure websites.
• The 3D Secure code is strictly confidential information, which is never entered for the purpose of payment to your card.
• If you sell online or are contacted by a third party via phone, email or social networks to pay the prize, never submit your card information or enter it via suspicious links. A third party can make a payment to your transaction account in the Bank, through payment transactions.

Important note: The Bank will never, by phone, e-mail, social networks or in any other way, ask you to provide your PIN, your payment card number or the numerical code used to confirm a payment card transaction made online.