• What are various categories of plastic cards?
• How to use a card
• How to use ATM / Bank Dispensers

What are various categories of plastic cards?

Currently, plastic cards being in use worldwide can be classified upon various features:

• As to their type – credit, debit or chip cards;
• As to the class - maestro / electron, standard / classic, gold, platinum and virtual cards;
• As to holders – for individual and corporations, club / organization cards;
• As to geographic coverage – local and international cards;
• As to benefits associated with use of the card – bank, discount and bonus cards;
• As to issuer – bank and non-bank cards;

How to use a card

• Validity term of the card is shown on its face.
• Important note: irrespective of the date of issue of the card, validity of the card will be until the end of the same month in the following year.
• If you loose your card, first of all notify your Bank! Once you pay a penalty for lost card, a customer can block a lost card. To do that, a card holder should answer certain questions asked by the expert of the Customer Services Department of the Bank for the purpose of identification of the card holder. Thereafter, upon wish of the customer, he can order a new card tied to the same card account. Where a customer along with the main card, uses an additional card, he will have a chance to use the additional card for the duration of its validity term.
• Maximum number for incorrect PIN entries is 3. After the 3-rd incorrect PIN entry, the card will be automatically blocked. Furthermore, if at that time the card is in ATM, the machine can “swallow” your card. In any event, you should notify the bank of blocked card.
• Do not allow any electro-magnetic, heat or mechanical impact upon your card.
• Important note: do not allow contact between the card and items with strong magnetic fields. It is not advisable to put your card on TV, computer and any other electronic device – otherwise, the card can be re-magnetized!
• When using ATMs and POS terminals, do not forget to take your card back.
• Where there is any dispute with respect to the amount stated on the receipt issued by ATM and POS terminal, contact your bank. Retain a copy of your payment slip, and reconcile it with the statement on your card account.
• When making purchases by card on the Internet, please keep the following in mind:
• When transacting, leave providing the information on the card to the last stage!
• First of all, collect detailed information on the site you are going to use.
• Make sure that information on details on the company selling goods or services, and contact information on the site is accurate, familiarize yourself with terms and conditions applicable to the payment for and delivery of the purchase goods or services.
• When you reach the page requiring submission of card information, please review Terms of use Agreement. These Agreement may contain important provisions on copyright and other important issues, and failure to take due note of such provisions, may, in future, cause you various problems.
• When making a purchase in shops, restaurants, hotels, leisure centers, please give due regard to the following:
• When making a card payment for the goods or services, require the card transaction to be carried in your presence. This will help you to avoid any unauthorized transaction and will protect you from negative situations.
• POS terminals issues two receipts. Once you check the identity of two slips and verify the accuracy of information printed therein, sign both receipts. Once that has been done, both slips should be signed by the cashier. You retain one slip, and the second is being taken by the seller.
• Do not sign a receipt which does not show the amount! Otherwise, any amount can be written in later and as a result you may end up with funds written off from your account.
• To periodically obtain information on the status of the card and transactions performed with the card, get card account statements. You can do this either by contacting branches and office of the bank, or by using Internet banking facility.
• If you have any questions related to any kind of matters associated with the use of the card, please get in touch with our Customer Services Department.

How to use ATM / Bank Dispensers

What is an ATM?

Main transactions which can be performed with ATM.

• Cash withdrawal.
• Receiving information on current status of the card account.
• Payment for services.
• Some ATMs will give you a chance to top up your card account.

Before you insert your card to ATM, consider the following.

• Make sure that the machine is operational (the machine is supplied with electricity, signal lamps are on and display is working);
• If your card is an international one, make sure the ATM you are about to use is accepting cards from VISA or Master Card systems;
• Make sure you insert your card correct way.

How to use ATM?

• Correctly insert your bank card to the verification device of the machine.
• Select menu language by using buttons situated to the right of the window (Azerbaijani, English or Russian).
• Use the digital buttons board to enter your PIN. While you type your PIN, it will appear on the screen in a star format, therefore, please make sure you concentrate on the buttons board. Once your PIN is entered, please push “Enter” button.

• Use buttons to the right of the monitor to select the category of the transaction or the type of the currency you wish to withdraw (AZN, USD or EUR).
• Use the buttons situated to the right and left of the monitor and push the appropriate button to select the amount of the cash you desire to withdraw from options appearing on the monitor. Where you do not see on the monitor an amount you wish to withdraw, select “Other”. Thereafter, once you see a message asking you to type the amount you wish to withdraw, enter the desired amount and press “Enter”.
• You will be asked whether you want information on the balance of your account to be printed on a slip or to be simply displayed on the monitor. Make your selection and decide whether you want a printed slip or otherwise.
• You will see one of the following message on the monitor:
• If you see on the monitor «Your request has been accepted, please wait», it will mean that the machine is preparing the amount requested by you for dispensing.
• «Sorry, banknotes you requested are not currently available»
• «You do not have sufficient funds in your account»

ote: By using 'Cancel' button on the board, you can, at any time, cancel your transaction.

Attention !!!

• Maximum amount you can withdraw from ATM in one operation is 500 AZN/ USD/EUR. If you wish to withdraw a larger amount, you will have to repeat the transaction.

In which case ATM may refuse to dispense the amount you requested?

• If your card expired
• If your card is damaged
• If you do not have sufficient funds in your account
• If there is not sufficient cash in ATM
• If there is your requested cash in ATM (for example, if you wish to withdraw AZN 75, but ATM has got only AZN 50 notes)
• If you exceed the amount constituting the limit for ATM
• If ATM is temporarily unavailable