Nordea Mastercard. Cardholder s guide

Transcription

1 Nordea Mastercard Cardholder s guide 1

2 If you have any questions about your card, we will be happy to help you. and With Nordea Mastercard you can pay for products and services in Finland, abroad on the Internet. Nordea Customer Service tel (local network charge, mobile call charge) Mon Sun nordea.fi Lost cards Blocking service (24 hours a day) in Finland tel from abroad tel Insurance company AIG Europe Limited (branch) (local network charge/mobile call charge), Mon Fri , Sat Kasarmikatu 44, Helsinki 2

3 Congratulations for getting a Nordea card When you start using a Nordea credit card on a daily basis: You pay safely and flexibly all over the world, and also on the Internet. The contactless payment feature of a combination card allows you to pay small purchases quickly and easily. You get a payment period for all your credit card purchases and a monthly summary of your card transactions. Goods you have purchased with the card s credit feature are insured with the Product Safety Insurance in accordance with its terms and conditions. 3

4 A combination card includes two cards: Credit and Debit Credit refers to the charge and credit feature of the card. With the credit you can buy things you only dreamed of before. For purchases made with the credit feature you get an interest-free payment period of 30 days on average. After that you set your own schedule for paying your purchases. With the combination card s debit feature you pay for your purchases directly from the bank account linked to your card. Credit facility offers flexibility The continuous credit facility linked to the card gives you many opportunities up to the agreed credit limit: The credit facility allows even bigger purchases and you can set the schedule for paying off the credit.* You can conveniently transfer money from the credit facility to your bank account in Netbank.** You can pay your bills with the credit facility at Nordea s payment ATMs. *The annual percentage rate of charge on a Nordea Gold Mastercard credit of EUR 1,500 is 11,3% (for Key Customers, 09/2017) and on a Nordea Credit Mastercard 12,4% (Key Customers, 09/2017). The interest rate is the 3-month Euribor + 7.5% (Nordea Gold) or 8.5% (Nordea Credit). The monthly account fee of EUR 2.50 has been taken into account in the calculations. For Key Customers, the principal card is free (no annual or monthly fee). The annual percentage rates of charge for the other customer groups can be found on the Internet at nordea.fi/cards. The credit limit for Nordea Gold is a minimum of EUR 2,000 and a maximum of EUR 10,000. The credit limit for Nordea Credit is a minimum of EUR 1,000 and a maximum of EUR 5,000. The credit is valid until further notice. The total credit amount depends on the use of the credit, the agreed amount of the repayment instalments and the duration of the credit agreement. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven Katu 9, Helsinki, FI NORDEA or Nordea Bank AB (publ), Finnish Branch, Satamaradankatu 5, Helsinki, FI NORDEA. The card issuer is Nordea Bank AB (publ), Finnish Branch. ** A fee specified in the tariff is charged for a money transfer from a credit card to a bank account. You can see card tariffs at nordea.fi/cards. Sign up for the e-invoice service. Bill payment is easy and you can file all your card transactions in Netbank at the same time. 4

5 Cashback at stores checkouts You can withdraw cash from your bank account in Finland in connection with card purchases in stores offering this cashback service. When your card has the debit feature, you can withdraw cash. Remember to tell the cashier that you also want to withdraw cash. The bank does not charge a withdrawal fee from the cardholder, but the store may charge a handling fee for the transaction. Contactless payments with the debit facility The contactless payment feature of a combination card allows you to pay small purchases quickly and flexibly. For further information on contactless payment, see page 8 or visit nordea.fi. 5

6 Flexible shopping With Nordea credit card you can pay flexibly in Finland and abroad. When you have a combination card, you can select whether you pay for your purchases and withdraw cash from the credit facility (Credit) or from your bank account (Debit). You can only select the debit feature when the payment transaction is made at a payment terminal with the card s chip and accepted with the PIN. In other cases, the purchase is debited to the credit facility and accepted with your signature. You recognise a combination card from the debit card number on the back of the card. When paying at a payment terminal, insert the card in the reader, select the payment method and follow the given instructions. Check the payment method, the total sum on the display and accept the payment by keying in your PIN. You can also pay purchases not exceeding 25 euro using the contactless feature of a combination card s debit facility. Read more on page 8. When you have registered your card for online use, you can make online purchases. You can change your online settings in Nordea s Netbank under Cards Usage areas and Internet. Card number Card validity 6

7 When paying for your purchases online, you need the card number, the card validity and the three-digit security code (CVC2). The debit card number and security code are on the back of your card. The Mastercard SecureCode service used by online merchants improves the security of online card payments. The service authenticates the identity of the parties in a payment transaction, namely the buyer and the seller, in real time. In the service you confirm the payment with your Nordea access codes. Online merchants who participate in the service display the Mastercard SecureCode symbol on their website For cash withdrawals there are over a million automated teller machines (ATMs) with the Mastercard symbol all over the world. A list of the ATMs can be found at mastercard.com. CVC2 security code of credit card Debit card number CVC2 security code of debit card 7

8 Contactless payment with a combination card The debit facility of a Mastercard combination card allows contactless payments of less than 25 euros, which you can pay from your bank account without having to key in the PIN. In practice, this makes paying quicker and smoother for you. All purchases exceeding 25 euros must still be paid by inserting the card into the payment terminal and keying in the PIN. You can always use a card featuring contactless payment also in the ordinary manner also for purchases which cost less than 25 euros. In this case, you insert your card into the payment terminal and key in your PIN. 8

9 How to proceed When paying with a card featuring contactless payment for the first time, insert your card into the payment terminal. Choose debit as the means of payment and key in your PIN. This will activate the contactless payment feature on your card and you may now pay for purchases which cost less than 25 euros without keying in your PIN. 1. When the cashier registers your purchase which costs less than 25 euros and asks for payment, hold your card close to the payment terminal. 2. The payment terminal will inform you of an authorised purchase with an audio and light signal. You do not need to key in your PIN. 3. You will get a receipt for your purchase as usual. 9

10 Questions and answers: Where can I pay using the contactless payment facility of my Nordea Mastercard? In all stores whose payment terminals display the contactless payment wave symbol and which accept contactless payment. The same symbol is on your card. You can use contactless payment in Finland and abroad. You can also pay with a card featuring contactless payment in the usual manner at all payment terminals by inserting the card into the payment terminal and keying in the PIN. For security reasons, a payment terminal may occasionally ask you to key in your PIN although the total amount of your purchases is less than 25 euros. When paying abroad, the limit for contactless payment may vary. 10

11 Is contactless payment secure? Contactless payment uses the same secure technology as ordinary chip cards. Since you do not have to key in your PIN, outsiders cannot gain access to it. For security reasons, contactless payment terminals will occasionally request the cardholder to key in the PIN even if the sum is less than 25 euros. The card PIN and the security code (CVC2) on the back of the card are elements that increase the safe use of the card and cannot be read with devices intended for skimming card details. Nordea is responsible for the potential misuse of the card if the card and its PIN have been used and stored in accordance with the card terms and conditions. The contactless payment feature in a Nordea Debit card does not change the responsibilities determined in the card terms and conditions. Can the payment terminal charge the same purchase twice if I remain near a contactless payment terminal? The payment terminal cannot receive a card payment without a payment transaction, which means each payment can only be charged once. What if my card is lost or stolen? Report your lost card immediately to the card blocking service, tel If you have used your card carefully and blocked it immediately, you are not responsible for any illicit purchases or payments made with it. 11

12 You choose Personalise your card You can personalise your Mastercard by choosing a picture from your own digital photos or from Nordea s picture gallery. Read the special terms and conditions concerning picture cards and apply for a picture card in Netbank under Cards Picture to card.**** Link the Plussa feature to your card You no longer have to carry a number of cards in your wallet. You can link the Plussa feature to your Nordea Mastercard if you already have a valid Plussa loyal customer number. You can link the feature to your card in Netbank under Cards Card editing and renewal.*** Change a PIN you like for your card Now you can choose a PIN which you can easily remember. You can order the PIN in Netbank. Remember that a good PIN should not be too easy to guess.*** Parallel cards for the whole family Go to a Nordea branch together with the applicant for the parallel card. You can manage the use of the parallel cards by setting for them an invoice-specific spending limit, which can easily be updated in Netbank.*** 12

13 Secure the use of your card by setting security limits, geographical limitations and a limitation on online use Limiting the use of the card increases security as the card can only be used within the limits you have set. You can change the limits concerning the use of your card in Netbank. You can set daily withdrawal limits on your card for cash ATMs. In addition, you can set daily security limits on bills paid immediately at payment ATMs. The daily security limit does not concern payments that are debited on a later due date. Depending on the card type, the security limits function differently for each card s debit and credit feature. By limiting the usage area you can limit the geographical usage area of your card. For example: you can allow the use of the card only in Finland and expand the area when you travel abroad. The geographical limitations do not apply to online purchases. With online settings you can allow or prevent the use of your card on the Internet. The settings can be changed in Netbank as often as you like according to your needs. Further information on the limitations is available in Netbank. *** The bank charges a fee in accordance with its tariff for the manufacture of a picture card, the renewal of a card in connection with the linking of new features (Plussa feature, a PIN you have selected) and for a parallel card. The tariff is available at nordea.fi/cards. 13

14 Added security for purchases with your card s credit feature Product Safety insurance When you pay for goods purchased for your home or holiday home with Nordea Credit or Nordea Gold card s credit facility, you get considerable added security for the purchases. The insurance covers products costing at least 100 euros in accordance with the insurance terms and conditions.**** International travel insurance When you pay 75 % in the minimum of your trip and accommodation abroad with Nordea Gold card s credit feature, you get leisure travel insurance for yourself and accompanying family members without any extra charge.**** Read the insurance terms and conditions at nordea.fi. Mobile Bank card information in the palm of your hand With Mobile Bank you can easily handle your daily banking as well as matters related to your card wherever you are. ****The group insurance is granted by AIG Europe Limited (Finland Branch), address Kasarmikatu 44, Helsinki, tel

15 When the unexpected happens, we will help you Emergency cash: When you are travelling, you may lose your card or it may fall into the wrong hands. Emergencycash is intended for exactly this kind of unexpected moments when you are in quick need of cash. The emergency cash withdrawn and the fees will be added to your next invoice. If you lose your card, call the blocking service (24/7) immediately at (local rates apply). Inform the blocking service if you are in need of emergency cash. In other matters concerning the use of your card, Nordea Customer Service will help you at (local network charge, mobile call charge), Mon Sun Additional information on the benefits, the terms and conditions and the service prices is available at nordea.fi. 15

16 Use your card with care Prevent outsiders from seeing your PIN when you key it in at ATMs, payment terminals at shops or other places of use. Never reveal the PIN to outsiders, even when you are keying it in at ATMs or other places of use. Never tell the PIN over the phone, by or in any other way. Even a banking officer or a police officer will never ask you to tell your PIN. Store your card as carefully as cash and check regularly that it is safe. Do not leave it unattended in a car, on a restaurant table, or in your office or hotel room. Always check the sum total before keying in the PIN or signing a sales receipt. Monitor your card transactions in Netbank or on your account statements. If you do not recognise a transaction, submit a card debit inquiry to Nordea at nordea.fi, call Nordea Customer Service or visit one of our branches. Set personal daily security limits on your card. If your card is lost or stolen or is seized by a foreign ATM, report it immediately to the card blocking service (24/7): in Finland, tel from abroad, tel Save the number of the blocking service on your mobile phone. If your card is stolen, remember to report it to the police as well. 16