Using Your Visa Debit Card FAQs
Visa is one of the most popular cards in the market due to their versatility and flexible banking options. You can use them to make your everyday purchases and manage your money easily 24 hours a day. This article contains answers to the most frequently asked questions about VISA debit cards.
What is a debit card?
A debit card is a plastic payment card that can be used instead of cash when making purchases.
How do I get a debit card?
Once you have a bank account, you may be able to get a debit card in one of the following steps:
- Call customer service;
- Request a card online through your bank account’s website or mobile app.
What do you need to get a debit card?
When getting a debit card, you’ll likely need to provide some of the following:
- Social security card
- Valid driver’s license
- A bill with your current name and address
- State identification card
- Proof of address.
I cannot pay with Visa abroad. What can I do?
Before traveling abroad, be sure to find the list of countries in which cards of this international payment system are accepted. There are also a number of outlets that accept bank cards of only one international payment system for payment. In some countries, only cards from local payment systems are accepted. Before you start purchasing goods or services at a point of sale, ask whether they accept international bank cards for payment or pay attention to the stickers both on the front door and next to the cashier of the store.
What actions should be taken in case of disagreement with a card transaction?
In case of disagreement with a card transaction, the client must contact the bank branch within the card issuing branch to generate an extract and submit a statement of disagreement with the transaction.
The hotline will not accept any claims of disagreement with a transaction.
Is it possible to replenish bank cards using ATMs of third-party banks?
These operations can be done if they are technically implemented in ATMs of third-party banks. Banks usually do not charge the client a commission for these operations. The presence and amount of the commission charged by the bank that installed the ATM should be checked with these banks.
What is the limit for withdrawing cash from a card at ATMs?
Cash withdrawal limits are set depending on the category of the card. Check out the tariffs of your card.
Is it possible to pay for goods and services through the terminal in the store using an Internet card?
No, it’s impossible, the card is provided only for online payments.
What if I lost my card? Can anyone withdraw my money from it?
If you lose your card, you need to:
- Immediately inform the bank about it by calling their hotline phone number;
- Inform the operator that the card has been lost, and, if possible, give its number and expiration date. Specify the name and surname of the operator who received the message from you.
- Confirm your request with a written application at any bank’s office.
- The card will be blocked immediately after your call. Try to contact the bank as soon as you discover that your card is missing. In case of untimely application, the bank is not responsible for card transactions performed without your knowledge.
- After blocking the card, you can no longer use it, and you will need to contact the bank branch where you filled out an application form for opening a card account and issuing a new card to replace the lost one.
Can an employee of the store where I paid by card copy data from the card?
When you hand over a card for payment (especially in cafes and restaurants), we recommend that you do not lose sight of the card.
Clients of most banks have the opportunity to connect to the “SMS-service” service and instantly find out when and how much money was withdrawn from the account. If you receive suspicious messages about debiting, you can immediately take measures to block the card.
Is it safe to use a debit card abroad?
Yes of course! The card is very convenient to take with you on a trip because you will not have to worry about the safety of cash or converting it into local currency or declaring it when crossing the border. It will be easier for you to pay for purchases in malls, etc.
However, while abroad, there are a number of additional precautions to take:
- Use the card only in those stores or restaurants that do not arouse your suspicion;
- Save receipts when making large purchases;
- After returning from the trip, check the account statement: there must be no suspicious transactions in it;
- When making hotel reservations, please read the cancellation policy and promptly send appropriate notifications.
Before traveling, check how developed the card acceptance network is in the country where you are going. It is better to have two or more debit cards of different payment systems with you.
Is it safe to withdraw cash?
The safest way to receive cash is an ATM installed in a bank branch or in a large shopping center. Information on the addresses and operating modes of ATMs can be found on the bank’s website, as well as in the subdivisions of the bank.
At the same time, there are several classic rules you must follow to protect yourself:
- Do not withdraw cash in uninhabited places and at ATMs of banks unknown to you;
- When entering your PIN, make sure that no one is watching you and, if necessary, cover the keyboard with your free hand;
- Pick up cash from an ATM immediately without waiting for a warning signal. Otherwise, the ATM will delay the “forgotten” card and money. To return them, you will have to contact the bank.
If you think that a fraud has been committed against you or your PIN-code has become known to someone else, be sure to contact the bank and block the card.
How can I block a debit card?
You can block the card in several ways:
1. Via the Internet bank
To block a card, select the card and click the “Block card” button. Depending on the type of blocking, the card can be blocked temporarily (with the possibility of unblocking via Online Banking and Mobile Banking) or finally (with subsequent re-issue at the bank’s office).
Temporary blocking of the card is possible for the following reasons:
- the card is lost;
- the card has been seized by an ATM;
- on your own initiative.
After temporary blocking, you can always unblock the card using Online Banking or by applying with an ID to the nearest bank office.
The final blocking of the card is possible for the following reasons:
- the card is stolen;
- card details have become available to outsiders.
After the final blocking, the card cannot be unblocked in any way. To issue a new card, you must apply with an ID to the nearest bank office.
2. Through a call to the bank
You can also block the card by calling the bank. Inform the operator about the loss of the card, and if possible, tell the number and expiration date of the card. Specify the name and surname of the operator who received the message from you. Confirm your request with a written application at any nearest bank office. The card will be blocked immediately after your call. Try to contact the bank at the same moment when you discover the loss of the card. In case of untimely contact, the bank is not responsible for card transactions performed without your knowledge. After blocking, it is impossible to unblock the card in any way. To issue a new card, you must contact the nearest bank office.
Can I use a debit card (withdraw money or pay in stores) while in another country?
Sure you can. The bank issues debit cards of the international payment systems Visa and Mastercard. These cards have standard terms of service, which guarantees the ability to withdraw cash or pay for goods and services in almost any country in the world.
Can I withdraw funds through an ATM in a currency other than US dollars?
You can withdraw funds regardless of the currency of the card account. Conversion of funds is carried out at the internal rate of the bank. For cash withdrawals, a commission is charged in accordance with the current rates of the bank. It should be noted that the direct purpose of debit cards is non-cash payment for purchases and services, and no commission is charged for such operations.
What is the difference between VISA, Mastercard, American Express?
As a rule, Mastercard cards are more widespread in Europe; and VISA and American Express – in the USA. The four companies are international payment systems. Each of them represents different card products with certain mandatory characteristics. Each bank that issues cards fills them with additional services and features – for example, an insurance policy for traveling abroad, bonus programs, cashback, and other services. The range of services or opportunities provided allows you to choose the most suitable banking product for your needs.
How do I change the means for confirming transactions?
To change the authorization tool from an SMS password to a one-time-key generator or vice versa, you need to contact the nearest bank office.
In order to comply with information security, you cannot perform these actions yourself.
You can disable the one-time-key generator yourself through the profile settings. After disconnecting, you will receive SMS passwords.
You can link the one-time-key generator back to your account only through the nearest bank office.
How can I make a transfer by card number?
In order to make a transfer to a third-party bank card through Online Banking, you need to know the following parameters of the recipient of funds:
- Sender card number;
- Expiry date of the sender’s card;
- CVV2 / CVC2 code indicated on the sender’s card;
- Recipient’s card number;
- Transfer amount.
The transfer can also be carried out in the Mobile Banking in the menu “From card to card” or on the bank’s website without entering a username and password
How can I view a card statement?
To receive a card statement, go to the “Operation history” menu, where you can get a statement for any period of interest. By default, the system is specified one month ago from the current date.
You can set any period of interest for obtaining a statement:
- All operations (filter is set by default);
- Card replenishment – the list displays only card replenishment (not an account);
- Replenishment of the card is displayed in yellow with a plus sign “+”;
- Cash withdrawal – the list displays only cash withdrawal operations at an ATM;
- Purchases by card – the list displays only transactions in payment terminals (for example, non-cash payment with a card in a store).
By default, the statement displays blocked transactions (funds that have not yet been debited from the card account), you can hide them by clicking the “Hide blocked card transactions” button. To receive an account statement, go to the “Transactions history” section and select “Account transactions”:
To print the statement, click on the “Print” button located under the list of operations. Clicking the button opens a browser window with a preview of the statement. Printing is done using the browser or by using the keyboard shortcut Ctrl + P.
How can I unblock a card?
You can always unblock your card yourself via Online Banking and Mobile Banking if the card was temporarily blocked by calling the bank’s contact center, by contacting the bank’s office and via Online Banking or Mobile Banking.
To unblock it, just open a blocked card, select the “Unblock card” item and confirm the operation with a one-time SMS-password or a one-time-key generator device. If the card has been blocked completely, it will not be possible to unblock it in any way. To issue a new card, you must contact the nearest bank branch.
Tags: account, banks, credit card, finance