KDB Bank Cards

KDB retail VISA chip debit cards may belong to HUF, USD or EUR payment accounts. These debit bankcards are accepted worldwide at bank branches, ATMs for cash withdrawal and for purchases at the merchants where the logo is presented on the bank card (VISA/VISA ELECTRON). KDB retail bankcards are offered for private individuals. To one account may apply several cards.

What are the advantages of the KDB private cards?

  • Favorable transaction fees,
  • Daily purchase and cash withdrawal limits can defined* by card owner personally in the Branches and via KDB NetBank or KDB Kontakt,
  • Free card security SMS service to the embossed cards,
  • Free travel insurance for VISA Gold card’s holder (including accident and sickness-, luggage-, and liability insurances).

* The conditions of the limit modification contained in the related List of Conditions.

 

KDB Card types

 

Electronic card

VISA Electron chip: a safety payment device in everyday life with very favorable annual fee which can be applied to HUF, USD and EUR payment account.

         

VISA Electron chip debit card can apply by retail, private individual clients. The usage of the card is safety due to the electronic authorization process. The card can be used for cash withdrawal or for covering purchase of goods or services at merchants. The VISA Electron chip card is also suitable to be used for payment on the internet (if VISA Electron logo is available on the Merchant’s homepage).

Electron Card is recommended for private individuals who would primarily use their card for purchases or ATM cash transactions.

Terms and conditions of card application:

  • Private payment account at KDB Bank Europe
  • 18 years of age for private individuals
  • Minimum opening balance (as determined in the List of conditions)

 


Embossed cards

VISA Classic chip: An embossed card, which can apply to HUF-, EUR- and USD-based payment accounts.

         

VISA Classic chip embossed debit card can be used much widely, than the Electron card. The card is accepted worldwide, can be used for cash withdrawal from ATM, at Branches, purchase and online purchase.

VISA Classic chip card is recommended to:

Private individuals who would primarily use their card for purchase, who often travel abroad or want to use their card for online (e-commerce) purchases.

 Terms and conditions of card application:

  • Private payment account at KDB 
  • 18 years of age private individuals
  • Minimum opening balance (as determined in the List of conditions)
  • Mobile phone for card security SMS service

 


Visa Gold chip: Premium card with extra services

 

VISA Gold chip embossed debit card is a premium prestige card with an exclusive free of charge travel insurance, including accident and sickness-, luggage- and liability insurance services.

VISA Gold chip card is Recommended to:

Private individuals who would primarily use their card for purchases, online purchases, travel frequently; and for those who appreciate the exclusive services.

Terms and conditions of card application:

  • Private payment account at KDB 
  • 18 years of age for Hungarian or foreign private individuals
  • Minimum opening balance (as determined in the valid List of conditions)
  • Mobile phone for card security SMS control

 


How to apply?

Personally at KDB Bank branch. The Bank will inform the client that the card is prepared within 20 working days after signing the bank card contract.

Applicable additional services

 Related services:

•          KDB Mobil Kontakt (SMS services)

•          KDB Kontakt

•          KDB NetBank

•          Overdaft

Conditions of the VISA chip private cards

The actual List of conditions is available at the following page.

Usage of the chip cards

  • The approval process of the card with chip and magnetic stripe is depending on the settings of the ATMs and/or POS terminals:
  • The ATM or the merchant’s POS terminal is checking the data of the chip
  • The ATM or the merchant’s POS terminal is checking the data stored on the magnetic stripe. 
  • In the case of ATMs, the transaction is approved by giving the PIN code, whilst in the case of POS terminals – depending on the settings of the POS terminal – the approval can be based on the cardholder either giving the PIN code or signing the receipt or by doing both.

Security advices during bankcard usage

  • Handle your card data confidentially.
  • Set your card usage limits corresponding with your spending/cash withdrawal habits.
  • Hide the PIN pad with your hands when entering the PIN code.
  • Do not note down the PIN code either in an encrypted or non-encrypted way, either in a notebook or in your mobile phone! Never give your PIN code away on phone, internet or e-mail.
  • Keep your card in your field of vision.
  • Always keep the card transaction slips (unsuccessful, rejected usage also). It can be requested by the Bank in case of complaint handling process.
  • Before purchases at internet merchants examine the website in details whether it is secured with encrypted communication.  (eg.: “https” in the browser or padlock in right bottom of the screen).
  • Apply for the Bankcard Security SMS service (free of charge in case of embossed cards).
  • Before purchasing please check that the merchants or service providers accept your bankcard or not – check at the entrance of the shop, at the cash desk or on the website is equipped with the VISA logo or not.
  • The preconditions of card acceptance at merchants may the personal identification document presenting by cardholder in order to prevent fraudulent actions.
  • Protect the card from damages, especially the magnetic stripe and the chip. Do not keep the bankcard next to magnetic object, because the data stored on the magnetic stripe can be damaged, and the card can be unusable.

Please, report immediately to the Bank via phone if your card is lost, stolen or any unauthorized usage is detected:

  • KDB Kontakt – On working days from 7 a.m. to 8 p.m.: 06/40 532 532 or +36 1 473 4440
  • SIA Central Europe – nonstop: +36 1 421 2299
  • Visa International Customer Service – nonstop: +1 410-581-3836

Contact

For further information please call KDB Kontakt service:

  • from Hungary: 06-40-532-532 (06-40-KDB-KDB)
  • from abroad: +36-1-473-4440
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