Useful Advice for the Use of Bank Cards Abroad
1. CURRENCY
The card acquiring (POS) terminals and cash machines (ATM) equipped with the DCC (Dynamic Currency
Conversation) recognise in which country the particular bank card was issued and are capable to display the payable
amount in the currency of the issuing country, e.g., in HUF.
In such cases the conversion rate used in the DCC service is defined by the operator of the terminal. By approving
the transaction, your Bank will debit your bank account exactly with the same amount as shown on the terminal. If
you do not wish to apply the exchange rate specified by the terminal or the ATM operator, you can also choose the
amount expressed in the currency of the particular country. A more favourable exchange rate defined by the bank
issuing the bank card could be an advantage, but the fact that you will learn about the exact amount settled in HUF
only during accounting is a disadvantage.
Please note that on these occasions, the text messages are for information purposes only: the amount to be used for
the transaction is blocked by using the exchange rate applied by the card companies (Visa, MasterCard) and not at
the exchange rate defined by the issuing bank. We recommend all our customers applying for a EUR denominated
card for spending within Europe and an USD denominated bank card outside the continent in order to avoid double
currency exchange and the exchange rate risks.
2. SPENDING LIMIT (LIMIT)
It is recommended to set a limit for the daily spending with the bank card that equals the maximum amount you
intend to spend a day during your stay abroad. Should you still need any modification, you can connect to our
NetBANKár service through Wi-Fi, through which you can modify the current limit at any time.
Cash withdrawal is not a cost effective option abroad, and therefore for security reasons you may also set the cash
withdrawal limit to zero on the bank card. Should you still need cash, ask for a temporary limit increase and then
withdraw cash at an ATM placed at a busy well-lit area, at the front of a bank branch when possible and make sure
that you cover up the keyboard used for entering the PIN code when you enter your PIN code.
3. TEXT MESSAGES ON THE SPENDING
Applying for the MobilBANKár service is especially useful for your stay abroad: it monitors bank card spending and
cash withdrawals and sends you text messages on the successful and failed transactions. So, you will learn
immediately of any use of your bank card without authorisation and you can immediately arrange for it to be
cancelled at the TeleBANKár customer service, available for 24 hours a day (+36-1-373-3333).
4. TELEPHONE ASSISTANCE
It is also advisable applying for the TeleBANKár service before you travel anywhere. Save in your phone the +36-1373-3333 telephone number of the 24-hour customer service, also accessible from abroad. Our colleagues will be
happy to assist you also on issues and administration concerning your bank card.
5. OTHER USEFUL INFORMATION
 It is advisable to inform the bank issuing your card about the start and end dates of your trip abroad and
the country where bank card spending is likely to occur during that period.
 Always be careful when using your card: cover up the keyboard with one of your hands when you enter the
PIN code and do not lose sight of your bank card during the payment process.
 Keep the documents of the failed and successful transactions, the confirmation e-mails, any correspondence
with the merchants in order to be able to forward them to the bank when necessary, e.g., for a complaint.
 Always check carefully the contents of the text message received about the transaction.
 Remember your PIN code! Do not store it at the same place as your bank card ever and do not write it on
the card under any circumstances.
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Take more than one bank card abroad if possible: you should take at least two bank cards and some cash on
a trip abroad.
6. TRAVEL, HOTEL BOOKING, CAR HIRE
If you wish to use your bank card to pay your hotel or car hire bill on your trip, bear in mind that in most places only
embossed bank cards with higher service content (MasterCard Standard and MasterCard Gold, Visa Classic and Visa
Gold, as well as Visa Business and MasterCard Silver) or often only credit cards are accepted for payment. Always
check whether your bank card is acceptable or not. The displayed card company logos provide information at the
site.
In general, hotels and rent-a-car companies block a higher amount when you place an order or check in. Discuss with
them the exact amount and the date of final settlement, i.e. when the blockage will be released. Some merchants
(typically hotels, rent-a-car company) include in their general contracting terms and conditions that the merchant
can also use the data of the submitted card for subsequent debits. Such items include consideration for consumption
from the mini bar, a fine received subsequently for a traffic offence, etc. It is important to know that in such cases
the respective amount may also be debited on your account without any specific information or repeated use of the
card, but the detailed terms and conditions of such transactions are included in the contract concluded with the
merchants. Always read carefully these parts of the agreement too.
7. COMPLAINT
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The bank can help you resolve only problems closely relating to the use of your bank card. If you are not
satisfied with the purchased goods or service or do not receive the goods, you should and may resolve that
issue directly with the merchant. The bank cannot proceed in your name to enforce your complaints
concerning the goods/service.
If your problem concerns the bank card payment or cash withdrawal with the card, please report it to the
bank immediately.
You used a different payment method: keep a copy of the successful payment, especially in the case of cash
payments.
In relation to any Internet fraud, we recommend you contacting the merchant as quickly as possible and
reporting in writing that your card data were used fraudulently. You should also request the deletion of the
fraudulent transaction. If you establish contact with a particular merchant for any reason, always keep the
correspondence.
If you have lost your bank card or it has been stolen, or you receive information about a transaction that was
not executed by you, report it to the bank immediately. We recommend you also submitting a report
simultaneously at the police.
We wish to strongly emphasise that the above rules on the use of cards intend to protect your safety, but
compliance with them is your responsibility and obligation. If you proceed differently, you will do so at your own
risk, but our bank will not be able to assist you should you suffer any loss.
If you have any further questions, please call MKB TeleBANKár customer service, available for 24 hours a day.
Information, bank card activation and cancellation: +36 1 373 3333, +36 40 333 666