3D security is a security measure applied when using the Card, when the payment transaction needs to be confirmed by logging in to the Website using account login details and the chosen login method.
General Service Agreement – the general service agreement concluded between the Institution and the Client, which, together with all amendments and additions, constitutes an integral part of the Agreement, shall be applied and interpreted together with it, taking into account the context. The General Service Agreement is published on the Website.
Contactless payment functionality – confirmation of a payment transaction performed with the Card by bringing the Card to a card reader marked with a special contactless payment sign.
CVC2/CVV2 code – personalised 3-digit security data specified in the signature bar on the other side of the Card, used for payment at electronic points of sale of goods and services
Card – an electronic payment instrument provided by the Institution to the Client, which allows the Client to electronically form payment orders to the Institution for disposing of funds in the Account linked to this card, i.e. to pay for goods or services in non-cash at physical or electronic points of sale in the place of supply of goods and services during their business hours, to withdraw or deposit (if the Card has such a function) cash at their issuing/receiving points during their business hours. The term “Card” further in the Agreement also includes the term “Virtual Card”, unless otherwise specified.
Cardholder – a natural person who has the right to use the Card, i.e. You, if the Client is a natural person or a natural person to whom the Card is assigned and whose name and surname are indicated on the Card, if the Client is a legal entity or organisation. Depending on the context of the Agreement, the Cardholder may also be referred to as “You” in this Agreement.
PIN code – personalised security data known only to the Cardholder and used to confirm a payment transaction performed with the Card.
Account Agreement – the Electronic Money and Payment Account Agreement concluded between us and the Client, applicable and interpreted together with the General Services Agreement and this Agreement, taking into account the context. The Account Agreement is published on the Website.
Agreement means this Payment Card Agreement governing the procedure for issuing, using and paying for the Cards and which is applied and interpreted together with the General Service Agreement and the Account Agreement, depending on the context. The Agreement is published on the Website.
A Virtual Card is an electronic payment instrument issued in a special virtual format that allows the Client to electronically issue payment orders for the Institution due to the disposal of funds in the Account linked to this card, i.e. to pay for goods or services in non-cash money online at the electronic place of supply of goods and services during their work.
Other terms used in the Agreement correspond to the terms specified in the General Service Agreement.
2. Subject matter and application of the Agreement
Under this Agreement we undertake to provide the Client with the Card and/or Virtual Card, to link it to the relevant Account, to execute the Client's instructions on performing payment transactions (settlement) with the Card, to enable the Client to manage the Card remotely by electronic means and to perform other operations. The Client undertakes to pay the Institution for the services provided and the operations performed.
The provisions of the General Service Agreement and the Account Agreement supplement this Agreement and apply to both the matters covered by this Agreement (such as termination or liability) and matters non-discussed hereunder (such as applicable law or amendment of the Agreement), as the context requires.
3. Issuance of Cards
The Card is issued to the Client already in possession of the Account and upon the Client's submission of the relevant application, selection of the Card type, submission of the necessary data on the Website and acceptance of the terms and conditions of this Agreement. The Card will not be issued if there is a debt in the Account or insufficient funds for payments.
When ordering a Card, you will have to create a Card PIN on the Website and you will be fully responsible for its security and confidentiality. You can always check the PIN code on the Website.
The Card is sent by post to the address specified by the Client. You will be notified of its delivery on the Website or in another agreed manner (e.g. an SMS message). If you do not receive the Card within 30 (thirty) days, you must inform us.
The Client may order both one Card and additional Cards or a Virtual Card and have them at the same time. We may limit the number of Cards you have.
The Institution has the right to refuse to issue the Card for any reason.
If the Card is ordered for a Cardholder who is a person other than the Client, the latter must familiarise the Cardholder with the Agreement, the Account Agreement and the General Service Agreement and all of them shall apply to the Cardholder. The Client assumes full responsibility for the Cardholder's actions or omissions.
4. Using your Card
Upon receipt of the Card you have to:
Check that your data is correct on the Card. If not, you must inform the Institution and do not activate the Card.
Sign on the reverse of the Card in the space provided.
Activate the Card on the Website by logging in to your account.
The Card can be used to pay for goods and services at the points of sale or provision of services or other service points where it is technically possible to perform such transactions.
If the Card supports the Contactless Billing feature, you can enable and disable it on the Website by logging in to your account. Before performing the first contactless payment transaction, we will ask you to perform the transaction confirmed by the PIN code beforehand.
The Card can also be used to pay for online shopping at electronic points of sale for goods and services. To use this feature, you may need to turn it on, on the Website, where you can turn it off as well.
The Card can be used for payments in foreign countries if technically possible. The website may allow to enable or disable this feature. We may impose restrictions on the use of the Card in certain countries.
You can also withdraw cash at ATMs with the Card. The website may allow to enable or disable this feature.
Visa Europe Association Cards (Visa) can only be used to pay for services or services marked with the Visa logo. Cards of other associations (e.g. (MasterCard) (if we issue such cards) can only be used for payments at the places of supply or service of goods or services marked by the respective association.
When paying with the Card, the funds in your Account linked to the Card are used. Payments shall be made in the currency in which the said Account is maintained.
You can check the balance of the Account linked to the Card on the Website, ATMs or other places, if technically possible.
You can create a statement of payment transactions performed with the Card for the preferred period on the Website, if technically possible.
You may use the card only for legitimate purposes and only in good faith.
Please note that in some cases, due to system upgrades or other disruptions, the Card may not operate at some time or its functionality may be limited (for example, it is not possible to pay online or withdraw cash at an ATM). In such cases, we do not accept liability for any losses incurred.
5. Confirmation of the Card payment transaction
Your consent to perform a payment transaction with the Card (authorisation) is given if:
You confirm it by entering the Card PIN code.
For contactless payments – by touching the Card to the payment terminal and performing the actions specified in the electronic card reader. If the contactless payment limit is exceeded, the transaction may need to be additionally confirmed with a PIN code.
Swipe the card on the electronic card reader and sign the issued receipt.
After inserting the Card into the self-service electronic card reader, you perform the actions specified therein without entering the PIN code (for example, by paying a toll).
When paying online at electronic points of sale and services, you enter the Card data (e.g. name, surname, number, validity period, CVC2/CVV2 code).
You enter into an agreement with the provider of goods or services physically or online at electronic points of delivery of goods and services and agree to initiate a payment transaction by debiting the Account by transferring Card data to it (e.g. full name, number, validity period, CVC2/CVV2 code).
You provide the Card data (e.g. full name, number, validity period, CVC2/CVV2 code) to the provider of goods or services physically or online at electronic points of supply of goods and services.
Depending on the technical solutions applied by the supplier of the goods or services and the security methods you have chosen on the Website (if permitted), the above consent may need to be additionally confirmed by one of the Identification Means or 3D security specified during the transaction. If, in our opinion, the use of such security is necessary and you are not using it, we may refuse to execute the payment transaction.
All of the above actions have the same legal effect as the documents you have signed or written instructions to confirm the relevant payment transaction.
If you have confirmed a payment transaction through one of the above steps, you cannot cancel it. You can only cancel a transaction that is due in the future (such as a monthly service fee), but you must notify the supplier of goods or services at least 2 business days before the due date and, if necessary, inform us. We do not accept responsibility for cancellation of such transactions.
You are responsible for all consequences arising from your consent to perform a payment transaction with the Card. Therefore:
Make sure to always check the details of the payment transaction before giving the above consent.
Keep a document confirming such a transaction (e.g. a check, a payment receipt).
Only give this consent yourself, and if the Card information needs to be physically read, make sure it is done in your presence.
If you notice a payment transaction for which you have not given consent (unauthorised transaction), you must immediately notify us via the Website or contact the person’s specified therein.
We will only refund the money debited from your Account linked to the Card if you, after becoming aware of improperly executed or unauthorised payment transactions with your Card without your consent for which you may make claims under this Agreement, report it to us immediately but no later than within 13 (thirteen) months from the date of debiting the funds, and if you are a business client – not later than within 60 (sixty) days.
6. Execution of a Card payment transaction
If consent has been given, provided for in clause 5.1, the payment transaction (settlement) is performed:
After you reserve funds in the Account linked to the Card and after receiving confirmation from the beneficiary of the funds, debiting the corresponding amount from this Account. If we do not receive confirmation within 15 (fifteen) days, we will cancel the reservation. The applicable fees set out in the Standard Fees are not reserved at the time of booking.
Or by debiting the relevant amount from the Account linked to the Card upon receipt of the confirmation from the beneficiary, without applying the reservation of funds. In this case, payment may occur immediately after your consent has been given or later.
If the balance of the Account linked to the Card becomes negative due to the transactions performed with the Card, you must cover it.
We may refuse to execute a payment transaction with the Card if:
There are insufficient funds in the Account linked to the Card to perform the payment transaction and pay the relevant fee for it.
We have suspicions of illegal use of the Card or suspicions of relevant security breaches.
You do not comply with the Agreement or other contract entered into with us.
We consider the payment transaction to be suspicious.
We cannot perform it due to errors, malfunctions, upgrades, or acts or omissions of third parties.
If the payment transaction is not due to our fault (e.g. inaccurate details, closed account) and/or the amount of the payment order is refunded to you, we will not be liable and will not compensate for any losses incurred (e.g. we do not refund the fees or expenses paid for the transaction in connection with the refund).
In the event of an unauthorised payment transaction due to the use of a lost or stolen Card or illegal misappropriation of the Card, you may incur losses of up to EUR 50 (fifty) if you are a consumer, or all losses if you are a business client.
If you acted in good faith and could not notice the loss, theft, misappropriation or unauthorised payment transaction of the Card prior to the payment transaction due to our fault, you will not incur any losses due to unauthorised payment transactions.
You shall bear all losses due to unauthorised payment transactions with the Card if they result from fraudulent, careless or intentional failure to comply with your obligations under this Agreement.
We do not assume any liability if you have not been able to use the Card due to the actions or omissions of third parties, if you use the Card illegally or fraudulently, and if the goods or services you purchased were defective after payment transaction or the provider did not allow you to pay with the Card, or did not provide a discount, even though you should have received it, or you suffered any other inconvenience or loss as a result of the actions of third parties.
7. Currency exchange with the Card during a payment transaction
You can make a payment transaction with the Card (pay) in any currency, but the funds from the Account linked to the Card will always be debited in euro. The currency of the payment transaction is converted into euro at the exchange rate set by the relevant association with which the Card is branded (e.g. Visa Europe Association for Visa Cards or other associations if the Card is differently branded) valid on the day of processing of the transaction. If provided for in the Standard Fees, a currency exchange fee may also apply.
In case the reservation is made in case of payment by Card, the exchange rate applied at the time of reservation may differ from the one that will be applied at the time of debiting the funds.
We do not accept any liability for losses incurred by you in connection with currency conversion or exchange rate fluctuations.
8. Limits for card payment transactions
Each Card is subject to the standard cash withdrawal and payment transaction (settlement) limits indicated in the Standard Fees or on the Website. You can change them on the Website yourself, but only up to the maximum allowed.
We may refuse to increase or prevent the increase of these limits.
We may also change these limits at any time, even without notifying you.
If you exceed the limits, we may not execute the payment transaction instructions provided by you.
9. Taxes
The Client must pay the fees set out in the Standard Fees for the issuance, renewal, servicing and any payment transactions with the Card or for related actions, which are automatically debited from the Account linked to the Card. The Client must ensure that there is always a sufficient balance in the Account to cover these fees.
These fees are debited at the time of payment transaction (settlement), depending on the transaction, together with it or separately, they can also be deducted both at the same time and at different times.
If there is a fee for using the Card, it will be debited from the Account linked to the Card on a day of our choice, once a month, for the previous period of the month.
The fees specified in the Standard Fees shall be paid in the currency specified therein.
If there are insufficient funds in the Account linked to the Card to debit the fees, they may be debited from any other Client's Account.
Please note that you may be subject to additional charges imposed by suppliers of goods and services, Internet service providers, owners of relevant equipment or service providers, for which we accept no liability.
10. Security
You must store the card and all associated personalised security data (e.g. PIN code, login details) and take all necessary steps to ensure that it is not disclosed to third parties.
If you become aware of the theft of the Card, unlawful interception or other loss of the Card, the payment transaction made or attempted by the Card without your consent, any other illegal activity related to the Card, or that personalised security data relating to the Card has become or may have become known to other persons, you must immediately inform us on the Website or the contacts specified therein.
The Card may be used only by the person whose name and surname (together with the data of the legal entity, if the Account holder is a legal entity) is indicated on the Card and whose signature is entered on the Card. Use the card responsibly and in accordance with all security measures, such as:
Do not allow other people to use it.
Do not leave the Card unattended in open locations, places where goods or services are provided or serviced, ATMs or other devices.
Do not bend, break, or expose the Card to water, high temperatures, electromagnetic fields, or any mechanical damage.
You are solely responsible for all payment transactions confirmed by PIN code, Identification Tool or 3D security and we do not accept any responsibility for such transactions. Therefore, use these tools responsibly and with all safety precautions, such as:
Do not disclose your PIN, Identifier or 3D security data to anyone. Only you must know them.
Do not write down the PIN code, data related to the Identifier or 3D security on the Card or any other items.
When entering a PIN or data related to an Identifier or 3D security, make sure that no one sees it, and that the device you are entering the data into is not damaged in any way or has malware installed.
If you do not use the Card, PIN code, Means of Identification or 3D security responsibly and have not complied with the above or other security measures and as a result have an unauthorised payment transaction with the Card, your conduct is considered to be gross negligence and you assume full responsibility for this and we do not compensate you for any losses incurred.
If you provide and register your Card details online at e-wallets (e.g. Paypal), e-commerce and service outlets (e.g. Amazon, Aliexpress), e-accounts (e.g. Google, social networks), you enter into agreements for periodic withdrawals for goods or services received (e.g. Netflix, Spotify) or in any other way present them or register the Card with any of your electronic accounts, you are solely responsible for all payment transactions, when you log in or receive Card data from your electronic account, and we assume no responsibility for such transactions. Therefore, make sure to register the Card with any of your electronic accounts responsibly and in compliance with all security measures, for example:
Do not disclose your login to your electronic account details to anyone, only you must know them.
Do not write down these login details on the Card or any other items.
When entering login details into your electronic account, make sure that no one sees them and that the device to which you enter the login details is not damaged in any way or has malware installed.
If you submit and register the Card data online to your electronic accounts irresponsibly and do not comply with the security measures described above or in other places for logging in to your electronic accounts and as a result your electronic account login data becomes known to third parties and/or an unauthorised Card payment has been made, your conduct is considered to be gross negligence, you assume full responsibility for this and we do not compensate for any loss resulting therefrom.
11. Card blocking
You can block the card on the Website yourself or by notifying us using the contacts listed on the Website. If you fail to do so, your conduct will be considered gross negligence, you will assume full responsibility for it and we will not compensate you for any losses incurred therefrom. The Card is only blocked if you receive a confirmation message.
You must block the card if:
The Card has been stolen, misappropriated or otherwise lost.
You have noticed illegal or suspicious payment transactions in the Account linked to the Card.
You have noticed or become aware that personalised security data related to the Card (e.g. Card data, its PIN code, your login details to the Website or electronic accounts where the Card was registered) has become or may have become known to third parties.
You suspect or know that the Card is or may be used illegally.
If the above actions have led to potentially criminal offences (theft of property, fraud, data theft, illegal operations, etc.), you must also report it to law enforcement authorities. If you fail to do so, your conduct will be considered gross negligence, you will assume full responsibility for it and we will not compensate you for any losses incurred therefrom.
We may block the Card or payment transactions made with the Card in whole or in part if (if possible, we will inform you in advance):
We noticed or suspected the actions described in section 10.2 or 11.2 of the Agreement (for example, incorrect use of Identification means, incorrect login data to the Website).
You will not comply with the provisions of the Agreement or other agreements entered into with us, or you will not comply with any statutory provisions or requirements that we may provide in accordance with the law.
We identify other security reasons related to the Card or the Account associated with it.
We suspect unauthorised or fraudulent use of the Card.
There are other reasons for this that are important to us.
You are fully responsible for all transactions performed with the Card prior to the notification to us of the circumstances referred to in section 10.2 or 11.2 of the Agreement, in which case we do not assume any liability. You must reimburse us for any costs incurred before the above notice is given.
The Card may also be automatically blocked if you enter the PIN incorrectly 3 (three) times or in case of unsuccessful attempts of payment transactions with the Card too often.
Card blocking does not suspend the application of any fees specified in the Standard Fees.
We unblock the Card or payment transactions made with the Card if you request it and we agree or the reasons for which we applied the blocking have been removed.
We assume no responsibility for blocking the Card or payment transactions made with the Card.
12. Card validity
The Card is only valid for a limited period of time. Its expiration date is indicated on the Card. The Card is valid until the last day of the month indicated on the Card. The Card is not your property, therefore, you must destroy the Card when it expires.
Before the expiry of the Card, we may send you an updated Card by post. The Card will be sent to the delivery method and address selected at the time of ordering your Card. If you want to receive an updated Card at another address, update the address no later than 60 (sixty) days before the expiry of the Card. The Card is automatically renewed if at least one Card transaction has been performed in the last 3 (three) months. You will see information about this on the Website. Please note that the new Card you order will not necessarily be branded by the same international association (Visa or otherwise) as the Card you previously had.
In case of loss of the Card, you can order a new Card. You must block and report a lost Card as set out below on page 11 of this Agreement.
You may also cancel the Card service at any time by informing us or by specifying this on the Website, if permitted.
13. Termination of the Agreement
This Agreement may be terminated on any grounds specified in the General Service Agreement or in the Account Agreement.
We may terminate this Agreement, along with the termination of the Card, immediately, without further notifying you, if:
you do not activate the Card for more than 2 (two) months.
You do not make any payment transactions with the Card for more than 1 (one) year.
The Card has been blocked for more than 2 (two) months.
There is a debt in the account linked to the Card and it is not covered for more than 2 (two) months.
Regardless of whether we terminate the Agreement or it is terminated on other grounds, you must always settle with us in full and pay all applicable taxes and costs incurred before termination.
