DINERS CLUB International

Issuance of Cash Cards

What you need to know about the cash card
Tatra banka cash cards
Options of ordering a cash card
Use of cash card
Principles of protection of used cash cards
Contact

Offer of Acceptance of Cash Cards:

Why should you accept the cash cards ?
Which cash cards to accept ?
Ways of acceptance of cash cards
Obtaining the pay terminal
Clearing
Fees
How to start
Contact
Tips for you - Hot news

What you need to know about the cash card
Will these arguments convince you about the necessity to have a cash card ?

• you may buy goods and services without cash in shops, facilities, and in all places where you can find the same logo as shown in your cash card
• you have access to your money 24 hours a day, 365 days in a year - by drawing cash in cash machines or in banks or exchange offices identified by the same logo as shown in your cash card
• it is a simple and reliable partner in everyday purchases in Slovakia and during your journeys abroad - saving your time and money required for making foreign exchange
• all expenses in foreign currencies made by using your card will always be converted by the sale exchange rate
• together with the card, you may ask for travel insurance abroad, which is contracted for the term of validity of your cash card, and thus you may avoid the stress in concluding an insurance policy before every departure to a foreign country
• you will find a breakdown of all transactions realised by using your cash card in the statement from your current/card account
• the use of your cash card, provided you observe the basic principles of protection, is safer than carrying cash on you
• you will gain freedom, flexibility, and comfort with your cash card

What is the cash card?

The payment means serving for making payments for goods and services without cash or for making cash withdrawals in cash machines, in a bank or foreign-exchange agency.

What is the debit cash card?

• it is issued to a Tatra banka current account
• it has fixed daily limits; the amount thereof differs according to the type of the cash card
• no withdrawal may exceed the fixed maximum daily limit
• transactions realised by the card are accounted on daily basis from the current account to which the card is issued

What is the credit cash card?

• it has an allocated credit line, the amount of which is approved by the bank
• no withdrawal may exceed the maximum credit line
• transactions realised by the card are accounted once in a month
• it provides a revolving credit which is automatically renewed after each installment

Main differences between the debit and credit cash card

DEBIT CASH CARD :
ACCOUNTING - on daily basis, after each transactions
DRAWDOWN - up to the amount of the holder´s funds available on the current account
LIMITS - daily limit of drawdown

CREDIT CASH CARD :
ACCOUNTING - once in a month according to the statement
DRAWDOWN - no need to have holder´s own funds immediately available
LIMITS- a monthly credit line which may be used by you also in the total amount for payment without cash


BENEFITS of the credit card AS COMPARED with the current CASH CARDS
a) the option to RAISE funds:

• no need to have your own funds immediately available
• in EUR
• in the form of an interest-free credit which may be drawn for the period of up to 40 days for buying things without cash and for payment in the amount equal to 100% of the consumed credit
• in the form of credit with a low interest rate, with repayment by installments
• as a financial reserve for unpredicted situations

b) CONDITIONS applicable for obtaining the credit card

• you need not be a Tatra banka client
• you need not have a Tatra banka account

c) REPAYMENT of the spent money

• in the form of elected installments, minimum equal to 10% of the consumed credit

d) WAY of repayment of the spent money

• IN PERSON - by a cash deposit in Tatra banka or by a bank transfer from an account in any bank in Slovakia* or if you have a Tatra banka current account:
• BY PHONE - via the 24-hour Dialog call service
• BY ELECTRONIC MAIL - via the internet*

* applicable only for the VISA card

Tatra banka cash cards

You have already obtained a lot of information on various types of cash cards, and neither of them meets your idea of the "just right card" for your? Tatra banka will convince you by its offer of cash cards! We offer a cash card "tailored" for anyone of you. We believe that in making your decision, you will take a note of the Tatra banka´s many-year experience in issuing cash cards. You may also count on our customer service to be provided to you when using your Tatra banka cash card.

Why the Tatra banka cash cards?

• A supplementary service for a majority of cash cards is the travel insurance which shall ensure insurance coverage for your and your family relatives or your employees for private or business journeys abroad during the whole insurance period. Some types of cash cards have the travel insurance already included in the annual fee.
• Another important criterion for you to choose Tatra banka cash cards is the fact that each Tatra banka card may be used internationally.
• Tatra banka is aware of its clients´ demands, and therefore it offers to you in respect of each cash card, in addition to the option to buy without cash and to have access to your cash without time limitation, also something extra - you may learn more in each individual type of cash cards.

How are the cash cards classified?
According to the way of accounting :
Debit - debiting the current account immediately upon accounting of each card transaction, and the total amount of the funds drawn in one day is limited by the available balance on the current account and the maximum daily limit of drawdown agreed with the bank

• VISA ELECTRON card, EUROCARD/MASTERCARD card

Credit - credit cards, with repayment of spent money on an agreed due date once in a month; for buying things without cash you will be provided an interest-free monthly credit for up to 40 days.


• AMERICAN EXPRESS card - the spent money are repaid:

- in an amount equal to 100% of the consumed credit once in a month on a fixed date
- in the form of collection of money, based on a statement


• VISA card - you will repay your card expenses/spent money:
  • private cards - for personal expenses
  • corporate cards - for business expenses of firm´s owners, managers, and employees
  • standard cards
  • gold cards
  • additional cards issued to the main card with a joint credit line for a husband/wife, children, a friend
  • BY PHONE - 24 hours a day via the Dialog service*
  • VIA INTERNET- by a safe line via the Internet*
  • IN PERSON - in any Tatra banka branch
  • BY MAIL
  • to pay your monthly invoices to the mobile phone operator
  • to pay advance invoices in the event of your long-term stay outside Slovakia
  • to automatically pay your monthly invoices for mobile communication in the Orange Slovakia network via teleinkaso
  • to pay, in a single payment or on regular basis, for goods and services via your mobile phone and cash card to selected commercial partners
  • a single or automatic re-charge of credit of your Prima card, and in respect of each re-charge, the customer will obtain also a bonus which will be automatically added to the amount of the re-charged credit:
  - immediate credit - if you call Prima menu 777, you will increase the credit of your Prima card according to the offered options. The credit of your Prima card will be re-charged with a 3% bonus.
  - standing credit - the credit of your Prima card will be renewed automatically in the event it falls below EUR 16.67. Moreover, you will gain an 3% bonus.
  - regular credit - the credit of your Prima card will be renewed automatically at least once in a month, while the date and value of renewal of your credit will be determined by you at signing the service agreement. In this case, you will gain a bonus up to 3%. The bonus grows with the amount of the renewed credit and the number of credit renewals within one month.
  • to make payment for activation of EASY services
  • to re-charge your EASY card with a bonus
  • the merchants owning virtual department stores to accept payments for goods via the embossed cash cards (debit card MasterCard a VISA)

- by elected installments (however, always minimum in an amount equal to 5% of the consumed credit) or repayment of an amount equal to 100% of the consumed credit
- in the form of bank transfer from an account in any bank in Slovakia or by cash deposit in any Tatra banka branch
According to the purpose of use:The credit cards are divided as follows:Options of ordering a cash card
You may fill-in and deliver your application for issuance of a cash card - private or corporate - to the bank *applicable only for selected types of cash cards
You will obtain your ordered cash card and the PIN-code upon a written notice directly in your Tatra banka branch.

Use of cash card



Particularly for buying goods and service without cash. This way of payment ensures your safety, because you need not carry any high amounts of money on you. In Slovakia, too, the buying of everyday things, fuels, holiday sojourns, air-tickets or accommodation by cash cards has become a natural phenomenon.
In the so-called "self-service terminals" you may use your cash card for buying goods and services. It means e.g. the possibility to buy fuels, small things from vending machines (beverages, cigarettes), payment of parking fees, highway tolls, making calls from pay phones, etc.
If you need cash, you may use a broad networks of cash machines in Slovakia and elsewhere in the world or in banks or exchange agencies, provided they are identified by the same logo as shown in your cash card. You may find more in the internet addresses www.visa.com and www.mastercard.com, in the part "ATM Locator" about the network of cash machines accepting the cash cards with those logos.
If you wish to use your cash card for payment to a merchant or for cash withdrawal in a bank, exchange agency or a cash machine, you should look at such point for the same logo as shown in your cash card.
Another possibility of use of your cash card is reservation or orders of goods and services by phone, by mail or if you make sure that the merchant uses a safe system of data encoding and transmission, also buying via the internet. In making orders for goods and services in this way, always select a reputable merchant and in disclosing data on your cash card, do not forget to abide by the safety precautions.
You may use your cash card also for the Mobile Communication offered by Tatra banka in co-operation with Orange Slovakia, a. s.

The Orange teleplatba service will allow you:In co-operation with EuroTel Bratislava, a.s., we offer you another option of using the cash card via your mobile phone.

The EASY Platba service will allow you:

At the same time, you may re-charge the credit of your EASY card in any Tatra banka cash machine.

In re-charging the credit in a cash machine, you will gain a bonus up to 7
carry your cash card separately from your identity card/passport and money
always carry on, separately from your cash card and other documents, the important information, as e.g.: the number of your cash card and the term of validity thereof, phone numbers for a request to cancel your card, as well as a contact to the relevant insurance company
in every use of your cash card, ask for a bill of the transaction, keep all bills which will allow you to make regular checks of the expenses shown in your statement
never sign any incomplete bills and always check the total amount in your bill
protect your cash card against mechanical damage and magnetic field
if your card is lost or stolen or in case of any threatening fraudulent use of your cash card, act immediately - call by phone and request cancellation thereof
In ordering services or goods via the internet, remember:
• prior to disclosing the information on your card, always make sure that your information are transmitted in a safe and secure way (SSL or SET protocol)
  
• you may find the information on coding and data sending on its web site, and if you don´t find such information, print out the order form and send it by telefax as a written order
• before ordering any goods and services, remember to carefully read the complete commercial terms and conditions, the information on standing orders, and write down the merchant´s e-mail address for the case of cancellation of the advanced payment
• be careful in providing the information on your card or your password, and disclose them only if you decide to make a transaction
• you are recommended to request the merchant to provide a confirmation of your order for your records. It will serve you when you wish to make a complaint in respect of the purchased goods or services, or in the event of returning the goods
Contact us

If you wish to learn more about the options of issuing cards, if you need advice on the possibilities or ways of use or if you have any proposal or comment, please contact us in person in any Tatra banka branch or by phone at:02/6866 1000, 02/5919 1000, 0903/903 902, 0906/011 000, 0850/111 100 (non-stop 24 hours a day - via the DIALOG call service).
Why to accept the cash cards ?

Not only foreign tourists but also almost 3 million Slovak cash card holders have found out how comfortable it is to pay by cash cards. If you run a store with ordinary goods of daily consumption, a store network, pumping stations, hotels, restaurants, travel agencies, rent-a-car service or if you offer services of various types and you want to expand your business by acquiring more clients and to increase your turnover by customers paying by cards, you are on the right address.
The acceptance of cash cards will bring you several important benefits. The cash card will:
• widen the offer of forms of payment for goods and services
• expand your business by acquisition of clients holding cash card
• contribute to increase of your turnover and improve the overall standard of the sale of goods and offer of services
• reduce the costs and the risk of cash management:
  o no need to verify if the money are genuine
  o no need to arrange for transfer of money to the bank
  o no problem with small coins and errors in giving the change
• ensure interest incomes (contrary to the cash in your cash register, the amount on your account bears interests)
• enable to offer goods and services for cash-free payment also to foreign customers
• create the image of a modern merchant by offering such service.
Which cash cards to accept ?
Via Tatra banka, you may accept cash cards issued by both local and foreign banks:
• local cash cards with the ZBK logo ("Združenie pre bankové karty" - Bank Card Association)
• MasterCard, Maestro, MasterCard Electronic
• VISA, VISA Electron
• American Express
• Diners Club
• JCB

Ways of acceptance of cash cards
Payment by a cash card may be made by either of the two following basic ways:
• Electronic way via a pay terminal which, in making the payment, reads the data on the cash card from the card´s magnetic stripe. It is highly secure way of acceptance, because each payment is automatically verified in the bank´s authorisation center. In this way, you may accept the whole range of cash cards.
• Manual way via the imprinter which issues a paper receipt (sales slip) by printing the data from the cash card. Payments are verified by phone in the bank´s authorisation center. In this way, you may accept solely the cash cards with a relief (embossed) print - MasterCard, VISA, and American Express, Diners Club, and JCB cards.
Obtaining the pay terminal

In Tatra banka, you always have a choice to obtain the pay terminal in the way that really meets your requirements:
• purchase
• leasing for the period of three years via our subsidiary Tatra leasing, spol. s r.o.
• rent under a rent contract.
Clearing
Payments made by your customers by cash cards will be credited by Tatra banka to an account identified by you according to the terms and conditions of the Agreement on Cash Cards Acceptance.
Fees
For provision of the services connected with acceptance of cash cards, including the access to the local and international clearing network, Tatra banka charges a commission, the amount of which depends on the character of the business place, the type of cash cards, and the way of acceptance thereof. The contractual terms will be agreed by Tatra banka with each business partner on individual basis.
How to start
Be a modern merchant and offer to your clients the comfort and security of payment by cash cards. Keep pace with the times and increase your turnover!
Enter into an Agreement on Cash Card Acceptance with Tatra banka!
Tatra banka has plenty of experience in this field, and by the number and quality of its contractual partners, it belongs to the most reputable banks in Slovakia. By entering into the Agreement on Cash Acceptance, you will gain an experienced partner, a good quality customer service, and the option to accept a wide range of cash cards, both local and foreign.
Contact
If you wish to have more information on acceptance of cash cards in your premises, please contact us by phone at: 02/6866 1000, 02/5919 1000, 0903/903 902, 0906/011 000, 0850/111 100 (non-stop 24 hours daily - via the DIALOG call service).

 

TIPS FOR YOU - HOT NEWS
ACCEPTANCE OF CASH CARDS VIA THE INTERNET - CARD PAY
The CARD PAY service allows: