In case of loss or theft of your payment card, please contact our client line at 800 14 00 14 (for international calls: +420 221 118 540; standard telecom charges apply), or our Emergency Service at 224 221 017.
Ten rules for using payment cards
- A CARD IS MORE THAN CASH. Treat a payment card the same as you would cash. Be careful with it and carry it separately from your documents. Sign the payment card on the signature strip immediately upon acceptance. Thoroughly destroy an invalid card that is not surrendered after its validity ends.
- PROTECT IT LIKE THE APPLE OF YOUR EYE. Always look after your card and do not let it leave your sight when making a transaction. Do not lend your payment card to anyone or give it to someone as collateral. Periodically check that you know where your card is, even if you do not use it every day.
- YOUR PIN IS THE KEY TO YOUR ACCOUNT. Keep your PIN absolutely secret. Do not record your PIN anywhere! Under no circumstances should you communicate it to another person, to a bank, or to the police or other authorities.
- CREDIBILITY. Only use your payment card at credible points of sale (including on the internet) and on trustworthy devices. In you are unsure about a given merchant, it is better to pay with cash.
- ENTERING YOUR PIN. Always enter your PIN discreetly. Take care that no one can oversee your PIN. When entering your PIN at an ATM or checkout terminal, cover the keypad with your body and free hand as well as from above, avoid mouthing your PIN, and protect against its detection by camera.
- PAYMENT BY CARD. After completing a transaction, make sure that your payment card has actually been returned to you. Keep a record of the card transaction. The merchant is entitled to verify your identity, so please co-operate.
- MIND YOUR DOCUMENTS. Carefully dispose of all documents containing your full card number. Be sure to tear or shred them before discarding.
- DO NOT WAIT TO CHECK. Carefully check card transaction statements from the bank or card company against sales and payment receipts. If you discover an unusual transaction, contact the card issuer immediately.
- CARD LOSS. If your payment card is lost or stolen, act fast and block the card immediately with the issuer. In case of theft, you should then contact the police. To block the card, call 800 14 00 14 or +420 224 221 017.
- STAY INFORMED. UniCredit Bank provides other supplementary services and products for payment cards in order to increase security or mitigate the consequences of possible misuse of a card.
Security rules for using an ATM
- Before using an ATM, conduct a visual inspection of the ATM, including an examination of the card reader and cash dispensing mechanism. If you find something unusual about the ATM, it is better that you do not use it and inform the bank at the toll-free line 800 14 00 14.
- When entering your PIN for a withdrawal from an ATM or elsewhere, cover the key pad with your hand.
- During a withdrawal, follow only the instructions that are stated on the ATM screen.
- No one has the right to disrupt your transaction or otherwise interfere with its progress.
- If a suspicious person moves toward you in the vicinity of the ATM, postpone the cash withdrawal to later.
- If the ATM is not amply lit at night, it is better that you do not use it and choose another or make the withdrawal in the accompaniment of another person.
- After completing the transaction, store the cash securely.
- After completing the transaction, do not forget to take your payment card and, if possible, also the receipt for the executed transaction.
- Never write your PIN on your payment card; do not keep your PIN in the same place as your payment card; do not tell anyone your PIN.
- If your payment card is lost or stolen, immediately contact the bank with a request for blocking.
Rules for using direct banking
We regard security as an essential condition for successfully providing direct banking services.
Basic rules for using direct banking:
- Never leave your security token (hereinafter just the “token”), mobile telephone with banking application, or set of as yet unused TAN passwords unattended.
- Carefully safeguard your access data (particularly the PIN, PUK, BPIN and BPUK).
- Never carry written information about your PIN together with your token; never carry written information about your access data together with your mobile telephone.
- Do not store information on your access data in your mobile phone.
- Do not tell anyone the PIN to your token, your BPIN, or access password.
- If you think that your PIN, BPIN or password has become known to a third party, change them.
- Do not choose “simple” numbers for the PIN, BPIN or password, such as, for example, your date of birth or address.
- If your token or mobile telephone is lost or stolen, please inform the bank and request that your access to internet banking be blocked. In case of loss of SIM card, call the bank and request that the GSM Banking product be blocked.
Security for individual types of direct banking:
Internet banking - Online Banking, BusinessNet
The security solution for this product is very simple and elegant. A unique security code is used for accessing the system as well as for signing payment orders. The client can choose whether the security code will be generated by an electronic security token resembling a small calculator or whether it will be sent to the client’s mobile telephone as an SMS message. In both cases, access to the code generator is protected by a PIN or password. Each code is used only once and has a limited period of validity. Moreover, the client’s communication with the bank is safeguarded by 128-bit encryption (SSL version 3.0), which is sufficient guarantee that transferred data is protected during information flows.
Telephone banking - Telebanking, Business line
A unique security code generated by an electronic security token resembling a small calculator is also used for safeguarding telephone banking services. The user logs in using his/her identification number assigned by the bank and the code generated by the token. To sign payments prepared during recorded communication with an operator, the user shall use a new code generated by the token.
Mobile banking - Smart Banking, GSM Banking
Smart Banking
You can use this mobile banking application to operate your accounts if you have a mobile telephone equipped with a tool for using internet services. To sign on to the application, you must use a user number and access security password. Signing and sending payment orders to the bank require entering a one-time TAN password, a set of which is generated and securely transferred to the user by the bank. Moreover, the client’s communication with the bank is protected by encryption, which is sufficient guarantee that transferred data is protected during information flows.
GSM Banking
This SIM Toolkit application enables you to securely control your account through a mobile telephone. In order to access the banking application menu, you must know the BPIN code (MPIN for Vodafone). You create this code yourself based on the BPUK code; no one else (neither the GSM network operator, nor the bank) knows this code. Orders are sent to the bank via encrypted text messages and no one apart from the bank, which is the only party that knows the encryption key, can decrypt these messages. The encryption key is different for each SIM card.
