Tips and recommendations for safe use of payment cards
- Do not write down the PIN code of the card and carry it with the card
- When making a payment, do not leave your card unattended, let the merchant use it in front of you.
- When entering your PIN, at ATMs and at points of sale, cover the keyboard, as the PIN should never be shared with others.
- Before traveling, be sure to check the card's validity period, and if you notice that it expires during the month, contact the nearest branch of Our Bank to collect a reissued/valid card.
- Check your daily limit and if it is lower than your planned spending, you can change the limit yourself in the Naš Mbank mobile application (if you are not a user of the application, you can easily become one, see more at https://www.nasa-banka.com/online-servisi/mbank/), or visit one of our nearest branches.
- If you suspect any type of payment card misuse by third parties, you should immediately react in one of the following ways:
- Block your card yourself in the Naš Mbank application (if you are not a user of the application, you can easily become one, see more at mbank )
- +387 55 232-300, option 3
- +387 51 492-791, option 3
- Toll-free info line 0800 50 213, option 3
- Call Center +387 33 652-888
Tips for safe shopping on the Internet
When shopping online, the basic information that needs to be entered is: Your name and surname, Card number, CVV code and 3DS code.
3DS code – a code used to verify the identity of the cardholder when making transactions on the Internet. When making a transaction on the Internet – Payment confirmation, the online store/site connects to the Bank, which sends a code via SMS to the registered phone number provided by the client to the Bank.
- Always make sure that you make online payments only on the websites of payment institutions or the seller himself, never via email or social networks
- Use payment cards only on well-known and established websites.
- If you are not familiar with the site, check the reputation of the site or merchant to determine if it is reliable enough to buy from
- The address of the website page where the form for entering card data is located should begin with ''https'' (not just http without the ''s'').
- Pay attention to the padlock symbol in front of the address or at the bottom of the website you are accessing. If it is highlighted in red or crossed out, it means that the transmission is not sufficiently secure and that there is a problem. In this case, you should never enter confidential information, such as your username, password, or payment card details.
- If you receive an email with suspicious content, do not open it or reply to the messages,
- Banks, credit card companies, and similar institutions will never ask users for information via email.
- Avoid making card payments and entering card details if you are connected to a public WI-FI network.
Tips for contactless payment
Contactless payment is a simple, fast and safe way of making a transaction. If the transaction amount is up to 60 KM, you only need to hold your card against the POS device and the transaction will be successfully completed. If the transaction amount is greater than 60 KM, the transaction will be executed by entering a PIN code.
- When entering your PIN at points of sale, cover the keyboard, as the PIN should never be shared with others.
- Recommendation for payment card users
It is very simple, fast, secure and independent to block a card and/or change the limit amount for ATM withdrawals and card spending in the Naš Mbank application.
Without going to the Bank, you have the option to block your card and prevent any type of account misuse by third parties. Also, in accordance with your wishes and needs, you can independently change the amount of the card limit.
- Possibility of blocking the card due to loss or misuse
- Change daily spending limit per card
- Changing the limit when withdrawing money at an ATM
If you are not a user of the Our Mbank application, you can become one very easily, see more at mbank