Smart Guide to bank cards


What to do in case of suspected fraud?
If you lost your bankcard or it was stolen, or perhaps detect purchases on your bankcard statement or through the text message service that you did not initiate, please call our Phone Banking service immediately at +36 1/20/30/70  325 3200, where you can immediately arrange the blocking of your bankcard with the help of our colleagues.


Bankcard activation

  • UniCredit Bank will always send or give you an inactive (non-activated) bankcard. (Debit bankcards and renewed credit cards are sent to clients by mail, while new credit cards are given out at the branch.)
  • The bankcard cannot be used in an inactive state.
  • The bankcard activation has to be arranged by the cardholder.
  • If the cardholder does not activate the bankcard within 180 days after the last day of the month of the bankcard application or, in the case of a renewed card, of the expiry month, the Bank shall be entitled to cancel the bankcard. In the case of a renewed credit card, the client shall pay all outstanding debts prior to the cancellation.

Bankcard functions

Features of chip cards

What should I know about chip cards?

Chip cards are bankcards which contain a chip on their front side in addition to the traditional magnetic stripe. Due to its electronic protection, the information stored on the chip is more difficult to copy, thus in this respect, the chip card provides greater security compared to bankcards with magnetic stripes only.

It is an important change that purchases made with chip cards are always made with the PIN code, when the bankcard is accepted through the chip reader. In addition to the chip, these bankcards will still have the magnetic stripe since chip readers may not always be available, typically outside the European Union.

Fees, settlements related to bankcard usage

Bankcard issuance and membership fee

Based on the contract concluded with you and the Bank’s currently valid List of Conditions, the Bank may charge an issuer and a membership fee.

  Due date of issuer fee Due date of membership fee
Debit bankcards After the application, the fee is charged upon the first manufacturing of the bankcard. Once a year, subsequently, on the first working day of the month following the month of the issuance of the bankcard, each year.
If a new card is also manufactured in the given year as a renewal of the previous bankcard, the bankcard will be charged in the month when the first card was issued.
Credit cards After the application, upon the first activation of the bankcard. Once a year, subsequently, on the first working day of the record month of the card.

The process and settlement of bankcard transactions in the case of the domestic, foreign and Internet purchases.

Process of purchases made with your bankcard

1. The bank of the trader (where we made the purchase) will request an authorisation for the transaction and, in the case of UniCredit Bank’s positive response, the amount will be blocked (blocked amount) on the customer’s account and the transaction will be closed successfully.
2. After the transaction, the trader’s bank will submit the item for settlement and UniCredit Bank will book the item (booked amount) on the customer’s account based on the received data.

  • Upon the application for permission (1), the Bank will always receive the amount in HUF.
  • For this reason, the text message on the transaction will always include a HUF amount even if the purchase was made abroad, not in HUF.
  • In the case of transactions initiated at a foreign trader, when the trader’s bank does not account in HUF, the HUF amount in the text message will differ from the amount actually charged to the HUF bank account due to the difference between the conversion rates upon blocking and booking.
  • Card companies (Visa, Mastercard) participate in the settlement (2) process. If the trader’s bank is not in Hungary, the card company will convert the amount into its own settlement currency. Transactions where the country code of the transaction is not Hungarian qualify as foreign transactions.
    • The Visa card company (American) applies USD-based settlements.
    • The Mastercard company applies EUR-based settlements except if you initiated transactions with your Mastercard debit bankcard abroad in USD, where in such case, the currency of the settlement is USD (in the case of Mastercard credit cards, the card company settles each transaction in EUR at UniCredit Bank).
    • Transactions concluded in HUF abroad are exceptions at both card companies. If the account to be charged is HUF-based, the HUF amount of the transaction tallies with the HUF
      o    amount charged to the account and neither the bank nor the card company applies conversion.
    • During the settlement (2), UniCredit Bank will convert the USD/EUR amount sent by the card company to the bank into the currency of the card coverage account(s) with the FX rate valid on the date of conversion, and the amount will be charged/booked this way.
  • If there was no conversion during the settlement i.e. both the amount of the transaction and the settlement applied by the card company as well as the card coverage account(s) are in the same currency, the booked amount will tally with the original amount of the transaction (e.g. a purchase was made in EUR with a Mastercard debit or credit card, and the coverage account is in EUR).
  • In the case of domestic bankcard transactions where the currency of the amount on the certificate is the same as that of the bank account covering the bankcard usage and the credit line related to the credit card, and the amount charged to the bank account or the credit line tallies with the amount on the certificate, the Bank does not perform any conversion.


Online bankcard shopping

  • You can make purchases online with all UniCredit debit and credit bankcards.
  • In order to authorise the transaction, the accepting trader can only request the data on the bankcard and the check code on the back side of the card but not the PIN code.
  • During online purchases, the rules for accounting are not the same as the rules for purchases with a normal bankcard – see above.
  • When shopping online, review the contractual conditions of the trader since by accepting these conditions you can give your consent to the trader to initiate a charge when using additional services without you or an unauthorised user giving the bankcard data again.
  • Please always keep the confirmation e-mails and other confirmations received during online shopping for the administration of a potential complaint later.

Tips for safe bankcard use:

  • It is important for you to keep your bankcard in a safe place and regularly check that it’s there.
  • Do not keep your PIN code with your bankcard and don’t give it to anyone or make it accessible for others.
  • Never lend your card to anybody and do not disclose its data to others! If you would like others to use your bank account with a bankcard, you can apply for a secondary card at any of our branches.
  • Sign your bankcard on the signature stripe on its back side.
  • Set the daily purchase limit or the daily usage frequency limit according to your average or planned spending. Independently of the balance available on the account, any transactions exceeding the limit will automatically be rejected in order to minimise losses from potential abuses.
    When applying for a bankcard, the Bank will automatically set the limits defined in the List of Conditions but you can set different limits at any time for the fee specified in the List of Conditions at any of our branches or through our Phone Banking service with your Phone Banking ID and PIN code.
  • With our text message service, for which a fee is charged, you can be immediately notified of the transactions performed with the bankcards related to your account (primary and secondary card). The advantage of the service is that you can always monitor the changes to the available balance and you can notice earlier if your card is stolen and/or unauthorised persons try to use it.Always check your bank account statement and indicate it to our bank immediately if you notice any spending that were not initiated by you or the holder of the secondary card.
  • For online shopping, do not give your bankcard data if:
    • the site does not show any contact details where potential complaints related to the goods/services can be arranged,
    • you apply for a free service where the disclosure of your bankcard data is not justified,
    • they advertise prizes or outstanding earning opportunities and ask for bankcard data for the registration,
    • always log out from the website when you finishe shopping, particularly if others can also use the computer,
    • pay attention to grammar and spelling mistakes in the text of a website, you should be suspicious if the given website looks sloppy.
  • Phishing: sometimes unauthorised persons try to make cardholders disclose their data through e-mail, by phone or on social media. It is important to know that neither the Bank, nor the card companies (Mastercard, Visa) request bankcard data (CVC code, PIN code, card number, expiry), Internet IDs, or the cardholder’s personal data (name, birth date) in e-mail or by phone and they never send direct links to your e-mail address that direct you to another site where you have to specify personal data.

What to do in case of suspected fraud?

If you lost your bankcard or it was stolen, or perhaps detect purchases on your bankcard statement or through the text message service that you did not initiate, please call our Phone Banking service immediately at +36 1/20/30/70  325 3200, where you can immediately arrange the blocking of your bankcard with the help of our colleagues.

What happens if your card is abused?

  • If the cardholder acted deliberately or with serious negligence in respect of the loss, theft, unauthorised or unapproved use of the bankcard, the bank will completely exclude its responsibility with regard to the damages caused by the bankcard.
  • If the damage was not caused deliberately or by the serious negligence of the cardholder, the latter must bear any losses that occurred before the card was reported, up to a maximum of forty-five thousand forints. 
  • If the damage was not caused deliberately or due to the negligence of the cardholder, and the damage was caused after the blocking of the bankcard, the Bank shall be held liable for the loss.
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