INFORMÁCIÓS TÁBLA Fizetési ( bank )kártyáról Information table on bank cards

Átírás

1 INFORMÁCIÓS TÁBLA Fizetési ( bank )kártyáról Information table on bank cards

2 MAGYARORSZÁG FIZETÉSI KÁRTYA Bank cards Igen Yes NEM No MAGYARÁZAT/MEGJEGYZÉS Comment /Remarks 1. A kártya kibocsátója lehet Issuer of the card can be : Hitelintézet Credit institution 1.2.Takarékszövetkezet Savings Cooperative 1.3.Egyéb pénzügyi szolgáltató Other financial service provider 2. A kártya kibocsátásához szükséges dokumentációk Necessary documentations to issuing of card 2.1.Szerződés Contract /Agreement 2.2.A személyt azonosító igazolványok Identity Certificates/documents of person Mi: What: 2.3.Egyéb igazolások Other certificates Mi: What: 3. A kártya lehet (tulajdonságai/jellemzői) The card can be (natures/characteristics) 3.1. Betéti/debit kártya Debit card Hitel/credit kártya Credit card 3.3.Nemzetközi (logóval ellátott)használatra Card (with logó) for international use 3.4. Mágnes csíkkal ellátott Provided with magnetic stripe

3 3.5.Mágnescsíkkal és csippel ellátott Provided with magnetic stripe and chip 3.6.Csak belföldi használatra Only for domestic use 3.7.Korlátlan funkciókkal With unlimited functions 3.8.Csak pénzfelvételre For cash withdrawal only 3.9.Hazai pénznemben használható Can be used only in domestic currency 3.10.Euróban használható Can be used in Euro Más devizában használható Can be used in other foreign echange 3.12.E-money kártya E-money card Kártyahasználat jellemzői Natures of card using 4. A kártya használat fedezete Cover/security of card using 4.1. A kártya szerződésben kell megállapodni róla It shall be agreed in the contract on card issuing 4.2. A hitelkártya esetén van kamatmentes időszak Is there any interest-free period in the case of kredit? 5. Készpénzfelvétel Cash withdrawal Milyen hosszú: How long time:a kibocsátóvel kötött szerződéstől függ 5.1.Belföldön ingyenes In inland free of charge 5.2. Külföldön ingyenes Abroad free of charges Kivétel:Aáltalában nem jellemző az ingyenes készpénzfelvétel Eception: Kivétel: Eception: 5.3. Bankban olcsóbb In the bank it is chieper Ha kártyahasználattal történik

4 6. Vásárlás, szolgáltatás kiegyenlítése Settlement of shopping and services 6.1. Belföldön ingyenes In inland is free of charges 6.2. Külföldön ingyenes Abroad is free of charges 7. Átutalás, számlakiegyenlítés Transfer, settlement of bill 7.1. Lebonyolítható-e a bankkártyával belföldön Can it be managed by card in inland 7.2. Lebonyolítható-e kártyával külföldön Can it be managed by card abroad 8. A kártya használathoz kapcsolódó biztonsági szolgáltatások Security services connecting to using of card 8.1. Kártyaőri szolgáltatások (letiltás, limit módosítás) Card-watch services( stoppage,changing of limit 8.2. Segélyhívó szolgáltatás belföldön SOS service in inland 8.3. Segélyhívó szolgáltatás külföldön SOS service abroad 9. Egyéb szolgáltatások (pl: jegyfoglalás, tájékozódás) Other services(as booking ticket, information etc) 9.1. Szabadidőprogram, kulturális információ Leisure programme, cultural information 9.2. Utazással összefüggő információ Information about travelling Kivétel: Eception: Kivétel: Eception:

5 9.3. Gépjárműbalesettel, biztosítással összefüggő információ Information in connection with car accident, and insurance 10. Kártyahasználat kezelése Handling of card using Számítógép alapú, 24 órás kártya ügyintézés Computer based 24 hour service 10.2.Telefonos ügyintézés Telephone service Internetes ügyintézés Service by Internet Mobilbankos ügyintézés (valamennyi szolgáltatásnál beleértve a lekérdezési lehetőséget is) Service by mobil bank (all kind of services including the query possibility too ) 11. A fizetési kártya használatához kapcsolódó díjtételek Fees connectied with using of bank card Van díja a kártya előállításának Are there fee/s of the card s production Van díja a kártyahasználatnak Is there fee of the card using Van díja a megbízásoknak Is there fee of the commission Van díja a készpénzfelvételnek Is there fee of cash withdrawing Van díja a kártya feltöltésnek Is there fee of the card s upgrading Van díja a bankkártya műveletről szóló számlakivonatnak Is there fee of the statement account about the card s transaction

6 11.7. Van díja egyéb szolgáltatásoknak Is there fee of other card s services 12. A bankkártya feltételek megváltoztatása Changing of card s conditions A kártyakibocsátó egyoldalúan változtathat a feltételeken Can the card s issuer change on conditions unilateraly A kártyabirtokos kezdeményezheti a változtatást Can the cardholder initiate the changing 13. A kártyahasználat biztonsága Security of card s using A kártyahasználat általában biztonságos Generally the card s using is secure Fokozottan kell figyelni a pénzfelvételnél It is recommended to be careful at the cash-withdrawal Fokozottan kell figyelni a szolgáltatások fizetésénél It is recommended to be more careful at the arrangement of services Fokozottan kell figyelni az utazás során It is recommended to be careful during the traveling 14. Hova fordulhat panaszával a fogyasztó? Where does consumer turn with his/her complaint to whom? A kártyakibocsátó általában készséges és segíti a fogyasztó problémájának a kezelését Does the card s issuer generally helpful and help the solution of consumer s problem 14.2 A szolgáltatást nyujtóhoz To service provider Minek: Wherefore :Letiltás.PIN cserer Ha: díjat emel, szolgáltatást nyújt If yes, when Ha:más kártyát választ If yes, when Mire:PIN szám megőrzése Why Mire Why Mire: Why A kibocsátóhoz Feltétel:Általában igen

7 14.3. Rendőrséghez To police Fogyasztóvédelmi hatósághoz To Consumer Protection Organisation Civil fogyasztóvédelmi szervezethez To the Civil Consumer Protection Organisation Elérhetősége: Availability Elérhetősége: Availability: ADR-hez To ADR Békéltető Testület Bírósághoz To the Court AUSZTRIA BANK CARDS Yes NO COMMENTS / REMARKS Issuer of the card can be: 1.1. Credit institution Savings Cooperative Other financial service provider Necessary documentations to issuing of card 2.1. Contract /Agreement 2.2. Identity certificates / documents of person What: 2.3. Other certificates What: Income Information The card can be (nature / characteristics) 3.1. Debit card 3.2. Credit card

8 3.3 Card (with logo) for international use 3.4 Provided with magnetic stripe 3.5 Provided with magnetic stripe and chip 3.6. Only for domestic use 3.7. With unlimited functions In case of credit cards 3.8. For cash withdrawal only 3.9. Can be used only in domestic currency 3.10.Can be used in Euro Can be used in other foreign echange E-money card Characteristics of card using Cover/security of card using 4.1. It shall be agreed in the contract on card issuing 4.2. Is there any interest-free period in the case of credit card? Cash withdrawal How long is this period? 5.1. Inland: free of charge Eception: usual consumer account 5.2. Abroad: free of charge Eception: only in Euro Currency countries 5.3. It is cheaper in the bank Settlement of shopping and services 6.1. Inland: free of charge Eception: for consumers 6.2. Abroad: free of charge Eception: no charge in Euro countries Transfer, settlement of bill

9 7.1. Can it be managed by card inland? 7.2. Can it be managed by card abroad? Security services relating to using of card 8.1. Card-watch services (stoppage, changing of limit) 8.2. Inland SOS service 8.3. SOS service abroad Other services (as booking ticket, information etc) 9.1. Leisure programme, cultural information Only credit cards 9.2. Information about travelling Only credit cards 9.3. Information in connection with car accident, and insurance Facilities for card using Computer based service for 24 hours Telephone service Service via Internet Bank service available via mobile phone (all kinds of services including the query possibility too) Fees connected with using of bank card Is there any production fee for the card? Is there any fee for using the card? Is there any commissioning fee? Is there any cash withdrawal fee? Interchange fee for sellers

10 11.5. Is there any card-uploading fee? Is there any fee for issuing a statement of account on the card s transactions? Is there any fee for other card services? Changing of card s conditions Wherefore? 12.1.Is the card s issuer entitled to change the conditions unilaterally? Is the card-holder entitled to initiate any modification? Security of card s using If yes, when? If yes, when? Generally the card s using is secure It is recommended to be more careful with the cash-withdrawal It is recommended to be more careful with the settlement of services. Why? Criminals spy for passwords Why? If misuse has occurred It is recommended to be careful while travelling. Where could the consumer turn with his/her complaint to? Why? No specific problems Is the card s issuer generally helpful and does it help in solving the consumer s problem? Condition: To the service provider To police To the consumer protection authority To the civil consumer protection organisation Availability: Availability: To ADR To court

11 CSEHORSZÁG BANK CARDS Yes NO COMMENTS / REMARKS 1. Issuer of the card can be: 1.1. Credit institution 1.2. Savings Cooperative 1.3.Other financial service provider 2. Necessary documentations to issuing of card 2.1. Contract /Agreement 2.2. Identity certificates / documents of person What: 2.3. Other certificates What: 3. The card can be (nature / characteristics) 3.1. Debit card 3.2. Credit card 3.3 Card (with logo) for international use 3.4. Provided with magnetic stripe 3.5. Provided with magnetic stripe and chip 3.6. Only for domestic use 3.7. With unlimited functions 3.8. For cash withdrawal only 3.9. Can be used only in domestic currency 3.10.Can be used in Euro 3.11.Can be used in other foreign echange

12 3.12. E-money card? Characteristics of card using 4. Cover/security of card using 4.1. It shall be agreed in the contract on card issuing 4.2. Is there any interest-free period in the case of credit card?? How long is this period? 5. Cash withdrawal 5.1. Inland: free of charge Eception: 5.2. Abroad: free of charge Eception: 5.3. It is cheaper in the bank 6. Settlement of shopping and services 6.1. Inland: free of charge Eception: 6.2. Abroad: free of charge Eception: 7. Transfer, settlement of bill 7.1. Can it be managed by card inland? 7.2. Can it be managed by card abroad? 8. Security services relating to using of card 8.1. Card-watch services (stoppage, changing of limit) 8.2. Inland SOS service 8.3. SOS service abroad 9. Other services (as booking ticket, information etc) 9.1. Leisure programme, cultural information 9.2. Information about travelling

13 9.3. Information in connection with car accident, and insurance 10. Facilities for card using Computer based service for 24 hours Telephone service Service via Internet Bank service available via mobile phone (all kinds of services including the query possibility too) 11. Fees connected with using of bank card Is there any production fee for the card? Is there any fee for using the card? Is there any commissioning fee? Is there any cash withdrawal fee? Is there any card-uploading fee??? Is there any fee for issuing a statement of account on the card s transactions? Is there any fee for other card services?? Wherefore? 12. Changing of card s conditions 12.1.Is the card s issuer entitled to change the conditions unilaterally? If yes, when? Is the card-holder entitled to initiate any modification?? If yes, when? 13. Security of card s using Generally the card s using is secure It is recommended to be more careful with the cash-withdrawal. Why?

14 13.3. It is recommended to be more careful with the settlement of services It is recommended to be careful while travelling. 14. Where could the consumer turn with his/her complaint to? Why? Why? Is the card s issuer generally helpful and does it help in solving the consumer s problem? Condition: To the service provider To police To the consumer protection authority To the civil consumer protection organisation Availability: Availability: To ADR To court SZLOVÁKIA BANK CARDS Yes NO COMMENTS / REMARKS 1.Issuer of the card can be: 1.1. Credit institution 1.2.Savings Cooperative 1.3.Other financial service provider 2. Necessary documentations to issuing of card 2.1. Contract /Agreement 2.2. Identity certificates / documents of person What: Identity card 2.3. Other certificates What:

15 3. The card can be (nature / characteristics) 3.1. Debit card 3.2. Credit card 3.3. Card (with logo) for international use 3.4. Provided with magnetic stripe 3.5. Provided with magnetic stripe and chip 3.6.Only for domestic use 3.7. With unlimited functions 3.8.For cash withdrawal only 3.9.Can be used only in domestic currency 3.10.Can be used in Euro 3.11.Can be used in other foreign echange 3.12 E-money card Characteristics of card using 4. Cover/security of card using 4.1. It shall be agreed in the contract on card issuing 4.2. Is there any interest-free period in the case of credit card? How long is this period? 1 month 5. Cash withdrawal 5.1. Inland: free of charge Eception: 5.2. Abroad: free of charge Eception: 5.3. It is cheaper in the bank 6. Settlement of shopping and services

16 6.1. Inland: free of charge Eception: 6.2. Abroad: free of charge Eception: 7. Transfer, settlement of bill 7.1. Can it be managed by card inland? 7.2. Can it be managed by card abroad? 8. Security services relating to using of card 8.1. Card-watch services (stoppage, changing of limit) 8.2. Inland SOS service 8.3. SOS service abroad 9. Other services (as booking ticket, information etc) 9.1. Leisure programme, cultural information 9.2. Information about travelling 9.3. Information in connection with car accident, and insurance 10. Facilities for card using Computer based service for 24 hours Telephone service Service via Internet Bank service available via mobile phone (all kinds of services including the query possibility too) 11. Fees connected with using of bank card Is there any production fee for the card? Is there any fee for using the card?

17 11.3. Is there any commissioning fee? Is there any cash withdrawal fee? Is there any card-uploading fee? Is there any fee for issuing a statement of account on the card s transactions? Is there any fee for other card services? Wherefore? 12. Changing of card s conditions 12.1.Is the card s issuer entitled to change the conditions unilaterally? Is the card-holder entitled to initiate any modification? If yes, when? If yes, when? 13. Security of card s using Generally the card s using is secure It is recommended to be more careful with the cash-withdrawal It is recommended to be more careful with the settlement of services It is recommended to be careful while travelling. Why? E.g. during the night-time not to be attacked by another person Why? Possibility of abusing by personnel during the card-using process Why? Not to loose the card and PIN 14. Where could the consumer turn with his/her complaint to? Is the card s issuer generally helpful and does it help in solving the consumer s problem? Condition: to contact the card-issuer immediatelly when problen happens To the service provider To police To the consumer protection authority Availability: during working hours

18 14.5. To the civil consumer protection organisation Availability: everyday during the daytime To ADR To court