Everything You Need to Know About Using Your Card

Discover information and services that provide greater security, control, and convenience when using your bank card, both in stores and online.

3D Secure

Safer Online Shopping

3D Secure is a security service that provides an additional layer of protection for online card payments. Through transaction authentication, only the cardholder can approve online purchases and payments.

Benefits

• Additional protection for online purchases;
• Secure transaction authentication;
• Reduced risk of fraud;
• Enhanced security for internet payments.

Card Activation

Activate Your Card and Start Using It

To use your card for purchases and cash withdrawals, it must be activated after you receive it.

How to Activate Your Card

• Insert your card into an ATM and perform any transaction using your PIN code;
• Once activated, your card can be used for payments and cash withdrawals.

Currency Conversion

How Is Currency Conversion Performed for Card Transactions?

Card accounts can be opened in MDL, USD, or EUR. Visa cards issued by EuroCreditBank can be used for purchases and cash withdrawals in any currency, regardless of the account currency.

When the transaction currency differs from the card account currency, the amount is automatically converted according to Visa international payment system rules and the exchange rates applied by the Bank.

Important Information

• The settlement currency for Visa cards is USD;
• If a transaction is made in USD and the account is also in USD, no conversion takes place;
• If the transaction currency differs from the account currency, one or more currency conversions may occur;
• The applied exchange rate may differ from the official rate of the National Bank of Moldova or from cash exchange rates.

For up-to-date information on exchange rates applied to card transactions, please refer to the rates published by the Bank.

Safe Card Usage

Recommendations for Protecting Your Card and Personal Data

For safe card usage:

• Never disclose your PIN code or SMS verification codes;
• Do not share card details via email, phone, or social media;
• Regularly review your card transactions;
• Use only trusted websites and applications for online shopping;
• Contact the Bank immediately if your card is lost, stolen, or used without authorization.

Frequently Asked Questions

• What is 3D Secure?

3D Secure is an additional authentication method that protects online card payments.

• Do I need to activate the 3D Secure service separately?

The service is available for eligible cards issued by the Bank and is automatically used by merchants that support 3D Secure technology.

• What types of transactions use 3D Secure?

The service is used for online purchases made with merchants participating in the 3D Secure program.

• Why didn't I receive an authentication request?

Not all online merchants use 3D Secure technology. In addition, certain transactions may be processed according to the rules of the payment system and the merchant.

• Can I shop online without using 3D Secure?

Yes, however, for merchants that require 3D Secure authentication, transaction confirmation is mandatory.

• In which currencies can I open a card account?

Card accounts can be opened in MDL, USD, or EUR.

• Can I make payments in a currency different from my account currency?

Yes. Your card can be used for payments and cash withdrawals in any currency, and any necessary conversion will be performed automatically.

• How can I find out the exchange rate applied to a currency conversion?

The exchange rates applicable to card transactions are available on the Bank’s website and can be checked before making a transaction.