Card service

In case your card was "eaten" by the ATM it is necessary to wait for about three-five minutes as the ATM has special technical processes (transfers) several times per day, which last 5-10 minutes, that enlarges a servicing time of a card a little. If the card is not returned, it is necessary to address the special service of the bank’s support on telephone numbers: 719-40-09 or 715-52-73.

If there is a loss of money from a card (or account of loading) it is necessary first of all to check up a condition of the account of loading, then balance of a card (instrument "cheque" and instrument "purse"), as some users because of their carelessness instead of reception cash from the account of loading "throw" the money to the card account. If the money is not found it is necessary to address the special service of the bank’s support on telephone numbers: 719-40-09 or 715-52-52. The owner of a card should not worry, as firstly each cheque has its coded information on the operation, that was carried out, and is the document for settlement of probable disputes, secondly in the menu of the ATM there is an opportunity to print eight last operations, that a holder of a card can make himself, and thirdly the operations in the system are coded, and the bank has technical opportunities to restore the "picture" of all operations on the card – to within one second.

The cases of a loss of money "with the help" of acquintances or relatives happen rather often, when they know pin-code of a card, use it without informing the owner on direct purpose and then return on its place. "It is natural that after determination of shortage of money people start worrying, charging the bank, but we try to find out everything and to help people as soon as possible", – the bankers emphasize. As they say, "In the safety service of the bank there are experts – professionals who know their work well and ATMs and frequently the territories near them are equipped with hidden cameras of observation, which constantly fix everything. As a result the problem is solved rather quickly".

While choosing a payment card, first of all the client should pay attention to the following aspects.

First of all the main types of cards are:

• National System of Mass Electron Payments (NSMEP);
• International payment systems – Visa, Master.

• debit card;
• credit card.

MEGABANK is a member and co-developer of NSMEP. The first client payment card of this system was issued by our bank, the first terminal and the first ATM of this system were put by our bank. The plastic cards NSMEP are based on chip-technologies, that are a level higher according to their technical opportunities and protection of financial operations than technologies on the basis of magnetic strips.

MEGABANK cooperates with the international payment system MasterCard on individual contractual conditions.

As a rule debit cards are salary and similar to them ones, which operate the funds on card accounts, coming from external sources (cash from other accounts, from the employers etc.); credit cards are the ones with the credit line of the bank, they operate credit funds, which the bank gives to the client on credit.

Besides convenience of settlements and safety of savings, the plastic card allows the owner to spend more than he has on the account in case of necessity. But how much this credit can be is determined by the kind of card, given to you. It is necessary to divide cards into magnetic and smart-cards (with the built-in chip). The Ukrainian banks began to give them out to their clients not so long ago. On a chip-card there can also be discount programs of various trade networks, restaurants or service enterprises. The risk of swindle is reduced to a minimum, as at payment with a chip-card it is obligatory to put a pin-code. Whereas a thief, having a magnetic card of another person, can try to buy goods in a shop at the expense of the absent-minded owner, not knowing a code.