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

INFORMÁCIÓS TÁBLA Fizetési ( bank )kártyáról

Information table on bank cards

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MAGYARORSZÁG

FIZETÉSI KÁRTYA Bank cards

Igen

NEM MAGYARÁZAT/MEGJEGYZÉS

Yes

No

Comment /Remarks

1. A kártya kibocsátója lehet Issuer of the card can be : Hitelintézet Credit institution

X

1.2.Takarékszövetkezet Savings Cooperative

X

1.3.Egyéb pénzügyi szolgáltató Other financial service provider

X

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

X Mi: What: X

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

X

3.2.. Hitel/credit kártya Credit card

X

3.3.Nemzetközi (logóval ellátott)használatra Card (with logó) for international use 3.4. Mágnes csíkkal ellátott Provided with magnetic stripe

X

X


3.5.Mágnescsíkkal és csippel ellátott Provided with magnetic stripe and chip

X

3.6.Csak belföldi használatra Only for domestic use

X

3.7.Korlátlan funkciókkal With unlimited functions 3.8.Csak pénzfelvételre For cash withdrawal only

X

3.9.Hazai pénznemben használható Can be used only in domestic currency

X

3.10.Euróban használható Can be used in Euro

X

3. 11.Más devizában használható Can be used in other foreign exchange

X

3.12.E-money kártya E-money card

X

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?

X Milyen hosszú: How long time:A kibocsátóvel kötött szerződéstől függ

X

5. Készpénzfelvétel Cash withdrawal 5.1.Belföldön ingyenes In inland free of charge

X

Kivétel:Aáltalában nem jellemző az ingyenes készpénzfelvétel Exception:

5.2. Külföldön ingyenes Abroad free of charges

X

Kivétel: Exception:

5.3. Bankban olcsóbb In the bank it is chieper

X

Ha kártyahasználattal történik


6. Vásárlás , szolgáltatás kiegyenlítése Settlement of shopping and services 6.1. Belföldön ingyenes In inland is free of charges

x


6.2. Külföldön ingyenes Abroad is free of charges

X


7. Átutalás, számlakiegyenlítés Transfer, settlement of bill 7.1. Lebonyolítható-e a X bankkártyával belföldön Can it be managed by card in inland 7.2. Lebonyolítható-e kártyával külföldön Can it be managed by card abroad

X

8. A kártya használathoz kapcsolódó biztonsági szolgáltatások Security services connecting to using of card

X

8.1. Kártyaőri szolgáltatások (letiltás, limit módosítás) Card-watch services( stoppage,changing of limit

X

8.2. Segélyhívó szolgáltatás belföldön SOS service in inland

X

8.3. Segélyhívó szolgáltatás külföldön SOS service abroad

X

9. Egyéb szolgáltatások (pl: jegyfoglalás, tájékozódás) Other services(as booking ticket, information etc)

X

9.1. Szabadidőprogram, kulturális információ Leisure programme, cultural information

X

9.2. Utazással összefüggő információ Information about travelling

X


9.3. Gépjárműbalesettel, biztosítással összefüggő információ Information in connection with car accident, and insurance

X

10. Kártyahasználat kezelése Handling of card using 10.1. Számítógép alapú, 24 órás kártya ügyintézés Computer based 24 hour service

X

10.2.Telefonos ügyintézés Telephone service

X

10.3. Internetes ügyintézés Service by Internet

X

10.4. Mobilbankos ügyintézés (valamennyi szolgáltatásnál beleértve a lekérdezési lehetőséget is) Service by mobil bank (all kind of services including the query possibility too )

X

11. A fizetési kártya használatához kapcsolódó díjtételek Fees connectied with using of bank card 11.1. Van díja a kártya előállításának Are there fee/s of the card’s production

X

11.2. Van díja a kártyahasználatnak Is there fee of the card using

X

11.3. Van díja a megbízásoknak Is there fee of the commission

X

11.4. Van díja a készpénzfelvételnek Is there fee of cash withdrawing

X

11.5. Van díja a kártya feltöltésnek Is there fee of the card’s upgrading

X

11.6. Van díja a bankkártya X műveletről szóló számlakivonatnak Is there fee of the statement account about the card’s transaction


11.7. Van díja egyéb szolgáltatásoknak Is there fee of other card’s services

X

Minek: Wherefore :Letiltás.PIN cserer

12.1. A kártyakibocsátó egyoldalúan változtathat a feltételeken Can the card’s issuer change on conditions unilateraly

X

Ha: díjat emel, + szolgáltatást nyújt If yes, when

12. 2. A kártyabirtokos kezdeményezheti a változtatást Can the cardholder initiate the changing

X

Ha:más kártyát választ If yes, when

12. A bankkártya feltételek megváltoztatása Changing of card’s conditions

13. A kártyahasználat biztonsága Security of card’s using 13.1. A kártyahasználat általában biztonságos Generally the card’s using is secure

x

13.2. Fokozottan kell figyelni a pénzfelvételnél It is recommended to be careful at the cash-withdrawal

x

Mire:PIN szám megőrzése Why

13.3. Fokozottan kell figyelni a szolgáltatások fizetésénél It is recommended to be more careful at the arrangement of services

X

Mire Why

13.4. Fokozottan kell figyelni az utazás során It is recommended to be careful during the traveling

X

Mire: Why

A kibocsátóhoz

14. Hova fordulhat panaszával a fogyasztó? Where does consumer turn with his/her complaint to whom? 14.1. 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

X

14.2 A szolgáltatást nyujtóhoz To service provider

X

Feltétel:Általában igen


14.3. Rendőrséghez To police

X

14.4. Fogyasztóvédelmi hatósághoz To Consumer Protection Organisation

Elérhetősége: www.nfh.hu Availability

14.5. Civil fogyasztóvédelmi szervezethez To the Civil Consumer Protection Organisation

Elérhetősége: Availability:www.ofe.hu

14.6. ADR-hez To ADR Békéltető Testület

X

14.7. Bírósághoz To the Court

X

AUSZTRIA

BANK CARDS

Yes

NO

COMMENTS / REMARKS

Issuer of the card can be: 1.1. Credit institution

x

Savings Cooperative

X

Other financial service provider

X

Necessary documentations to issuing of card 2.1. Contract /Agreement

X

2.2. Identity certificates / documents X of person

What:

2.3. Other certificates

What: Income Information

X

The card can be (nature / characteristics) 3.1. Debit card

X

3.2. Credit card

X


3.3 Card (with logo) for international use

X

3.4 Provided with magnetic stripe

X

3.5 Provided with magnetic stripe and chip

X

3.6. Only for domestic use

X

3.7. With unlimited functions 3.8. For cash withdrawal only

X

In case of credit cards

X

3.9. Can be used only in domestic currency

X

3.10.Can be used in Euro

X

Can be used in other foreign exchange

X

E-money card

X

Characteristics of card using Cover/security of card using 4.1. It shall be agreed in the contract X on card issuing 4.2. Is there any interest-free period in the case of credit card?

X

How long is this period?

5.1. Inland: free of charge

X

Exception: usual consumer account

5.2. Abroad: free of charge

X

Exception: only in Euro Currency countries

Cash withdrawal

5.3. It is cheaper in the bank

X

Settlement of shopping and services

X


X


X

Exception: for consumers X

Exception: no charge in Euro countries

Transfer, settlement of bill


7.1. Can it be managed by card inland?

X

7.2. Can it be managed by card abroad?

X

Security services relating to using of card 8.1. Card-watch services (stoppage, changing of limit)

X

8.2. Inland SOS service

X

8.3. SOS service abroad

X

Other services (as booking ticket, information etc) 9.1. Leisure programme, cultural information

X

Only credit cards

9.2. Information about travelling

X

Only credit cards

9.3. Information in connection with car accident, and insurance

X

Facilities for card using 10.1. Computer based service for 24 hours

X

10.2. Telephone service

X

10.3. Service via Internet

X

10.4. Bank service available via mobile phone (all kinds of services including the query possibility too)

X

Fees connected with using of bank card 11.1. Is there any production fee for the card?

X

11.2. Is there any fee for using the card?

X

11.3. Is there any commissioning fee?

X

11.4. Is there any cash withdrawal fee?

X

X

Interchange fee for sellers


11.5. Is there any card-uploading fee?

X

11.6. Is there any fee for issuing a statement of account on the card’s transactions?

X

11.7. Is there any fee for other card services?

X

Wherefore?

12.1.Is the card’s issuer entitled to change the conditions unilaterally?

X

If yes, when?

12.2. Is the card-holder entitled to initiate any modification?

X

If yes, when?

Changing of card’s conditions

Security of card’s using 13.1. Generally the card’s using is secure.

X

13.2. It is recommended to be more careful with the cash-withdrawal.

X

Why? Criminals spy for passwords

13.3. It is recommended to be more careful with the settlement of services.

X

Why? If misuse has occurred

13.4. It is recommended to be careful while travelling.

X

Why? No specific problems

Where could the consumer turn with his/her complaint to? 14.1. Is the card’s issuer generally helpful and does it help in solving the consumer’s problem?

X

14.2. To the service provider

X

14.3. To police

X

Condition:

14.4. To the consumer protection authority

X

Availability:

14.5. To the civil consumer protection organisation

X

Availability:

14.6. To ADR

X

14.7. To court

X


CSEHORSZÁG

BANK CARDS

Yes

NO

COMMENTS / REMARKS

1. Issuer of the card can be: 1.1. Credit institution

x

1.2. Savings Cooperative

x

1.3.Other financial service provider

x

2. Necessary documentations to issuing of card 2.1. Contract /Agreement

x

2.2. Identity certificates / documents x of person

What:


What:

3. The card can be (nature / characteristics) 3.1. Debit card

x

3.2. Credit card

x

3.3 Card (with logo) for international use

x

3.4. Provided with magnetic stripe

x

3.5. Provided with magnetic stripe and chip

x

3.6. Only for domestic use

x

3.7. With unlimited functions

x

3.8. For cash withdrawal only

x

3.9. Can be used only in domestic currency

x


x

3.11.Can be used in other foreign exchange

x


3.12. E-money card

?

Characteristics of card using 4. Cover/security of card using 4.1. It shall be agreed in the contract x 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

x

Exception:


x

Exception:


x

6. Settlement of shopping and services 6.1. Inland: free of charge

x

x

Exception:


x

x

Exception:

7. Transfer, settlement of bill 7.1. Can it be managed by card inland?

x


x

8. Security services relating to using of card 8.1. Card-watch services (stoppage, changing of limit)

x


x


x

x

9. Other services (as booking ticket, information etc) 9.1. Leisure programme, cultural information

x


x



x

10. Facilities for card using 10.1. Computer based service for 24 x hours 10.2. Telephone service

x


x


x

11. Fees connected with using of bank card 11.1. Is there any production fee for the card?

x


x


?


x


?

11.6. Is there any fee for issuing a statement of account on the card’s transactions? 11.7. 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? 12.2. Is the card-holder entitled to initiate any modification?

x ?

If yes, when? If yes, when?

13. Security of card’s using 13.1. Generally the card’s using is secure.

x


x

Why?



x

Why?


x

Why?

14.1. Is the card’s issuer generally helpful and does it help in solving the consumer’s problem?

x

Condition:


x

14. Where could the consumer turn with his/her complaint to?

14.3. To police 14.4. To the consumer protection authority

x

Availability:


x

Availability:

14.6. To ADR

x

14.7. To court

x

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


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

+


+

3.11.Can be used in other foreign exchange

+

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

+

Exception:


+

Exception:


+

6. Settlement of shopping and services



+

Exception:


+

Exception:

7. Transfer, settlement of bill 7.1. Can it be managed by card inland?

+


+

8. Security services relating to using of card 8.1. Card-watch services (stoppage, changing of limit)

+


+


+

9. Other services (as booking ticket, information etc) 9.1. Leisure programme, cultural information

+


+


+

10. Facilities for card using 10.1. Computer based service for 24 + hours 10.2. Telephone service

+


+


+

11. Fees connected with using of bank card 11.1. Is there any production fee for the card?

+


+



+


+


+

11.6. Is there any fee for issuing a statement of account on the card’s transactions?

+

11.7. 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?

12.2. Is the card-holder entitled to initiate any modification?

+

If yes, when?

13. Security of card’s using 13.1. Generally the card’s using is secure.

+


+

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

14.1. 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


+

14.3. To police

+

14. Where could the consumer turn with his/her complaint to?

14.4. To the consumer protection authority

Availability: during working hours



+

14.6. To ADR 14.7. To court

Availability: everyday during the daytime +

+


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

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