Online or directly in stores, it is very easy to shop. With the card or with the phone, it is just as simple to pay for everything you have bought. However, we have a few tips to keep your money safe.
When you pay in stores at POS with card/phone:
- You must receive a receipt for each approved/rejected transaction.
- Check transactions often. You can do it, for example, through BT Pay, BT24, NeoBT or BT Visual Help.
- For contactless payments made with the card, up to 100 lei, you are not asked for the PIN. If you have made consecutive transactions with a cumulative value of over 650 lei or 150 EUR without entering the PIN, for the next transaction you will be asked for the code even if the amount is below 100 lei, for security reasons. For payments with the phone, this measure does not apply because these payments are authorized every time, with fingerprint, Face ID or your phone's security method.
When you pay online
- Make sure you are on a secure site. Address of web is required tostart with https, and on page must toappear a symbol padlockand “de trust”. Buy from site-uris on who the know. Ifyou havedoubts, no payin advance goods andcheck reviews about site-the/trader/the product.
- If the ordered product does not arrive on time, contact the seller as soon as possible. If they do not respond, contact the bank.
- Be careful to the terms andconditions presented by the trader and only ifyou are agree continuetransaction. We refer to policyof cancellation, of return, conditions delivery, solutioncomplaints etc.
- Be careful to the the “free trial” offers, how would be testare free for a perioddetermined, afterwho, if NO youexpress explicitly desire of not continueusing services, ifconsidersautomaticasyou are agree toyou pay a subscription for a certain period and you will be debited automatically, monthly with amountagreatăof holdsthroughacceptance (checking) of terms andconditionsin the moment beginningstestingfree and data entry of card.
- Information usually requested from you to make a payment are: the card number, the expiry date, the name on the card, and the CVV2 code (the security code on the back of the card).
Subsequently, you will be asked to confirm the online payment:- let it be throughauthentication payments through the application BT Pay, ifyou haveenrolledthe cardinapplicationandin 3D Secure. You will accessednotification andwillauthenticatetransaction with fingerprint, recognitionfacialor with method of phone security your. Fii atent whenapprove - checkamountandmerchant's name whoyouappear on the screen.
- be authentication with two passwords - one dynamic, received from the bank and one static, set by you. Be careful when approving - check the amount and the merchant's name in the SMS received from the bank.
- Trading limits can be changed through the BT applications or with the help of the Call Center team (0264 308 028). You can set the limits by types of operations: payment at POS in stores, online payment, ATM withdrawal, and by the total number of transactions. You can also choose the time interval for which you want to limit the transactions.
Don't forget:
- Do not communicate never the card data following the receipt of some SMS/email/call links. The card data is entered when you have initiated a purchase on a trusted site, on the payment page.
- Do not offer the bank card details to receive money. If someone has to send you money, you must give them the IBAN code. Providing card details and codes received via SMS actually gives the possibility of money being taken from your account, not to receive money.
- Pay attention to information about raffles, donations through links from social networks etc., messages through which you are notified that you have won something and to receive the product of a significant value you need to pay a tiny amount for shipping, to messages through which you are notified that to receive a package (which you neither ordered nor are expecting) you need to pay a fee. Analyze very carefully offers that seem very advantageous, they may be scams. All these methods are traps that can make you communicate to fraudsters your card details and security passwords to actually authorize transactions on various websites for much larger amounts.
