DEBIT CARD

Debit card is the easiest and most common type of payment cards. When using a debet, card you have 24h access to the money on your bank account. Maestro/Cirrus debet card offered by Tallinn Business Bank can be used in Estonia and abroad for non-cash payment for goods and services to the trading and servicing companies and to withdraw cash from ATM.

 

There are 601 thousand ATMs with Maestro/Cirrus logo all over the world, including ATM network in Estonia. 5,2 million ATM accepting Maestro/Cirrus are located in trading and service companies of 42 European countries and in 38 countries outside Europe.


The only condition to get Maestro/Cirrus card is to have a bank account with Tallinn Business Bank. You can also apply for Maestro/Cirrus cards giving acces to your bank account to other persons, for example, your relatives or your company employees.

CASH WITHDRAWAL FROM ATM

To withdraw cash from ATM you will need to follow the instruction on the screen, insert your PIN-code, personal identification number of the card issued by the bank on the day when you received a card. From ATM you can also get a brief statement of credit balance and learn the amounts reserved earlier.

MAKING NON-CASH PAYMENTS WITH A CARD

When you make non-cash payment for goods and services to the trade and service companies, the amount to be settled is to be reserved and then deducted from credit limit balance after the bank gets confirmation for the transaction done. While paying by a credit card, you will need to sign a receipt and check, if all information is correct. In order to prevent possible fraud, when, for instance, someone is using a stolen card, you can also be asked to show your identification document. If you make non-cash payment abroad, you probably will be asked to insert your PIN-code to confirm that you are a legal card holder.

The purchases of goods and services in the Internet could be paid by debit cards.

The payment of Internet transactions by debit cards is allowed only in defined by Mastercard International countries. To confirm the status of a card holder while shopping online You should use the special 3-digit CVC 2 (Card Validation Code 2) code, that is provided by bank. The CVC 2 code will be issued when receiving a debit card; it will be issued with a PIN-code, in a sealed envelope, and will be known only to You. Its safety, as well as the safety of the PIN-code, is provided by You.

MAKING TRANSACTIONS WITH A CARD

Making non-cash payments for goods and services with a credit card is free of any charges in Estonia and abroad.
Cash withdrawal from ATM is a chargable service in Estonia and abroad. The service fee is fixed in the price list of Tallinn Business Bank.

 

Accounting of all operations with the card initial reservation and further deduction of the settled amount is to be done in the EUR. The amount of transactions made abroad in foreign currency is to be converted into the EUR.

WHAT DO YOU NEED TO REMEMBER?

  • keep in mind your PIN-code and dispose of envelope with PIN-code you received in the bank
  • never write down PIN-code on your card and never keep PIN-code together with your card
  • you are the only person who knows your PIN-code, never provide others with this information under any circumstances
  • if you forgot your PIN-code, you have to apply to the bank to get a new card and PIN-code

HOW TO KEEP YOUR CARD

  • keep your card in a safe place, not available for other people. Never give it to anyone else;
  • keep your card apart from objects having magnetic field ( TV-set, audio system and etc.), as it can damage a magnetic strip on your card and will disable it.

WHAT YOU SHOULD DO WHEN YOU LOST YOUR CARD OR IT WAS STOLEN

When you lost your card or it was stolen, you have to advise the nearest bank branch about it or make a call to the 24h customer support phone (372) 66 88 088. You will need to inform the number of your card, your reference numbers and/or information known only to you and the bank, after that your card will be blocked. In order to activate the card you will need to apply to the bank personally.