1 using your Professional Card Safe, convenient payment throughout the world
2 The benefits of your card Before you start using your card What you need to know about your card Paying with your card Cash withdrawals Monthly statement Security & checking Insurance Extras with your card What to do if Important telephone numbers
3 3 anywhere in the world a convenient and safe payment method As holder of an ABN AMRO Professional Card you have a convenient and safe payment method, at any time and in any place. For all your business expenditure: in shops and restaurants, while travelling and on the internet. You can monitor all your transactions online, keeping up-to-date easily. The ABN AMRO Professional Card also offers many extras. A free insurance package, assistance abroad, a service that helps you reclaim foreign VAT and a year s free access to the business lounges in the many Regus centres. This is a translation of the original Dutch guide
4 4 the benefits of your ABN AMRO Professional Card A convenient method of payment worldwide with the most widely accepted credit card. Your business and personal expenditure easily separated. Online insight into your expenditure and spending limit on a secure internet site whenever you want. Settlement monthly in arrears. Easier, safer payments with PIN. Safe payment on the internet with MasterCard SecureCode. Virtually all your purchases with your ABN AMRO Professional Card insured for 180 days. Carefree travel with a free insurance package, assistance abroad and a replacement credit card in the event of loss or theft. Emergency Card Replacement within 48 hours, practically anywhere in the world. In principle no cardholder s liability in the case of loss or theft of your credit card. Easy reclaiming of your VAT abroad with the VAT Reclaimer Service. A year s free access to the business lounges of the many Regus centres. Regular exclusive offers - information available online.
5 5 before you start using your ABN AMRO Professional Card Signature Before you start using your ABN AMRO Professional Card please sign the strip on the back of the credit card, using a blue or black ballpoint pen. This is to prevent the likelihood of unauthorised use of your credit card. When you make payments that do not require your PIN, you will need to confirm the purchase with your signature. Conditions By signing and/or using your credit card you agree to be bound by the applicable conditions that you received with your credit card. Paying safely and easily using your PIN The ABN AMRO Professional Card is equipped with a chip. This chip has been developed to make payments even safer. In combination with the PIN belonging to your credit card the chip gives you even better protection against the risk and inconvenience of fraud. On the one hand because the chip stores your details very securely and on the other hand because in practice use of a PIN is safer than a signature. This means that your ABN AMRO Professional Card complies with the global security standard and facilities that are currently being introduced in many countries. PIN Your PIN will be sent to you separately from your ABN AMRO Professional Card. You can use your credit card and PIN to make payments and if necessary to withdraw cash. Learn the PIN off by heart and destroy the letter containing your PIN in order to prevent improper use.
6 6 You can change your PIN as follows: Take your activated ABN AMRO Professional Card to an ABN AMRO cash dispenser (in the Netherlands). Insert your credit card. Follow the instructions on the screen. Select a PIN that is easy for you to remember. NB You have to know the PIN that you received at the same time as your credit card in order to be able to change it. Do not choose an obvious PIN, such as your postcode, date of birth or simple number combinations, such as 1234, 4321 or You are obliged to keep your chosen PIN secret. Payment with your PIN A credit card payment using your PIN is fast and simple. Once you have verified the amount, you enter your PIN in the equipment provided to approve the payment. You will then no longer need to sign for payments. NB In the Netherlands and in more and more surrounding countries a PIN rather than a signature is requested for credit card payments. Forgotten your PIN? If you have forgotten your PIN, call ABN AMRO Credit Card Services on +31 (0) to re-request your PIN.
7 Before you start using your ABN AMRO Professional Card 7 Information about your ABN AMRO Professional Card In principle you will find what you need to know about using your Professional Card in this brochure and the applicable conditions. It is therefore convenient to keep the brochure with your papers. At abnamro.nl/professionalcard you will find the most up-to-date information about the possibilities and use of your credit card. If you still have questions about your credit card, please call ABN AMRO Credit Card Services on +31 (0) This number is also shown on the back of your credit card. When phoning to ask questions about your credit card you will need the 16-digit number from your credit card. Your 16-digit credit card number
8 8 what you need to know about your ABN AMRO Professional Card Validity Your ABN AMRO Professional Card is valid for two years. The front of your credit card shows the expiry date. If it says valid thru 05/11, for instance, your credit card is valid until the end of May A few weeks before your credit card expires, you will automatically receive a new card. Once you have activated the new card, you can start using it immediately. Your PIN remains the same. Do not forget to destroy your old credit card by cutting it up. When cutting up your old credit card, cut through both the computer chip and the hologram, to prevent unauthorised use. The hologram is on the back of the credit card. Spending limit Your ABN AMRO Professional Card gives you a financial facility to make payments up to a specific amount: this is your spending limit. This limit varies from EUR 1,000.- to EUR 10,000.- a month. This amount may be raised or lowered in consultation between you and ABN AMRO. The limit is also indicated on your monthly statement. If you want to change the spending limit on your ABN AMRO Professional Card, please contact ABN AMRO Bank on phone number (EUR 0.10 per minute in the Netherlands)
9 9 paying with your ABN AMRO Professional Card Paying with your ABN AMRO Professional Card You can use your ABN AMRO Professional Card to make payments anywhere in the world, at over 25 million outlets. You will recognise the locations at which you can use your credit card by the MasterCard logo, which is also displayed on the front of your credit card. MasterCard is accepted worldwide and the MasterCard logo is recognised everywhere. You therefore always have the right money, wherever you are. The procedure for paying with your ABN AMRO Professional Card using signature or PIN is as follows 1. Make sure that you never let your credit card out of your sight. If you hand over your card, accompany the sales assistant or waiter to the cash register. You may be asked for proof of identity when making a payment by credit card. 2. The recipient or shopkeeper may request authorisation for the payment. This authorisation will be obtained via the terminal, telephone or internet and is associated among other things with security. If you have sufficient available credit and the card has not been reported missing, the payment will be authorised. 3. Check the amount before you approve payment with your signature or PIN. In future you will increasingly make payments using your credit card s PIN. If the recipient or shop does not yet use the PIN method, you will be required to approve the payment by signing the transaction slip.
10 10 4. You will be given a copy of the transaction slip. Keep this. On your monthly statement you will find the details of all transactions: amount, date and location. You can also view this via Credit Card Online. Keep the transaction slips that you receive when paying with your credit card. You can use them later to check your monthly statement. They can also be used as evidence if required. Paying on the internet or by telephone Your ABN AMRO Professional Card is ideally suited for making purchases on the internet or by telephone. In addition to your credit card number, you will also be asked for the expiry date and the Card Validation Code (CVC) when making a purchase. This code is unique to your credit card and serves as an additional security check. There is a number on the signature strip on the back of your card. The last three digits of this number are your CVC code. Your CVC-code
11 Paying with your card 11 Paying abroad Your ABN AMRO Professional Card offers you the facility of convenient payment at approximately 25 million addresses worldwide. In most cases payment with your ABN AMRO Professional Card is free of charge. An exchange rate supplement applies to purchases in foreign currencies. You will find further information about charges at abnamro.nl/tarieven No deposit Your ABN AMRO Professional Card is ideally suited for hiring a car or boat. In most cases you will not have to pay a deposit if you are paying by credit card. In many countries it is in fact impossible to hire a car or boat without a credit card.
12 12 cash withdrawals with your ABN AMRO Professional Card Withdrawals from cash dispensers You can use your ABN AMRO Professional Card to make cash withdrawals from any of more than 900,000 cash dispensers worldwide. You will always need your credit card s PIN for this purpose. The maximum daily withdrawal from a cash dispenser may vary from country to country, but is usually around EUR at a time, with a maximum of two withdrawals a day (provided that your spending limit is sufficient). Costs are charged for cash withdrawals. Forgotten your PIN? Call ABN AMRO Credit Card Services on +31 (0) to re-request your PIN. Withdrawals from banks In many countries banks will allow you to withdraw cash at the bank s counter using your credit card and valid identification. This is usually possible up to a limit of EUR 10,000 provided that your spending limit is sufficient, but this amount may vary by country and bank. Costs are charged for withdrawing money at the counter. Bear in mind that the bank concerned may also charge a fee. Cash dispensers and banks at which you can withdraw money using your credit card are identified by the MasterCard logo. You will find further information on rates at abnamro.nl/tarieven
13 13 monthly statement for your ABN AMRO Professional Card Monthly settlement When you use your ABN AMRO Professional Card the account will be settled monthly by direct debit. The date of the debit is indicated on your monthly statement. Monthly statement on paper Every month you will receive a clear statement itemising all transactions. You can also see on your monthly statement what your spending limit is and how much of that limit is still available. Use of an ABN AMRO Professional Card makes your financial accounting much simpler.
14 14 Monthly statement Examine your transactions online You can check all your transactions since your latest monthly statement in real-time at abnamro.nl/professionalcard. You can also check all your previous transactions going back up to seven months. And you can verify your limit and the credit amount still available. If you have any questions about your transactions or your monthly statement, please call ABN AMRO Credit Card Services on: +31 (0) This number is also shown on the back of your credit card.
15 15 security & checking of your ABN AMRO Professional Card Tips for safe use of your ABN AMRO Professional Card 1. Before you start using your ABN AMRO Professional Card, place your signature in the strip intended for this purpose on the back of the card. 2. Memorise the PIN and destroy the letter disclosing the PIN. 3. If desired, change your PIN to a combination that is easy for you to remember. 4. Do not let your credit card out of your sight. When you make a payment accompany the sales assistant to the cash register. 5. Check the amount before you approve a payment with your signature or PIN. 6. Never disclose your credit card number unnecessarily. You should only do so when making a purchase or a reservation. Payments made using your credit card PIN are even more secure. You can read more about this at the beginning of this brochure.
16 16 Security In principle no cardholder s liability in the event of loss or theft If you discover that your ABN AMRO Professional Card has been lost or stolen, you must report this immediately to ABN AMRO Credit Card Services on +31 (0) As soon as you have reported the loss or theft your credit card will be blocked immediately. If you relocate your old credit card after reporting it lost, it is no longer valid. You should destroy it by cutting through both the chip and the hologram. If your credit card is lost or stolen, always report this to the police, including when you are outside the Netherlands. Quick replacement credit card If you lose your ABN AMRO Professional Card while abroad or if it is stolen, you can make use of the Emergency Card Replacement Service. You will receive a replacement credit card within 48 hours (depending on the local circumstances). This credit card will not have a PIN and will automatically be replaced by an ABN AMRO Professional Card after three months. Charges are made for the Emergency Card Replacement Service.
17 17 insurance Purchase protection insurance Virtually all purchases that you make using your credit card, anywhere in the world, are insured for six months (180 days) after the date of purchase against loss, theft or damage. A good reason to pay for all your purchases using your ABN AMRO Professional Card. Card Insurance: free travel cover package The Card Insurance gives you three types of insurance for mishaps or emergencies while travelling: Flight delay insurance If your flight departs more than four hours late, any expenses you incur for meals will be refunded up to a maximum of EUR Luggage delay insurance If your luggage arrives at your destination more than four hours late, this insurance covers relevant expenses, such as clothing and toiletries up to a maximum of EUR If your luggage has still not arrived after 48 hours, a further amount will be reimbursed up to a maximum of EUR Supplementary traveller s accident insurance In certain cases of invalidity resulting from an accident, or in the case of death, this insurance provides for an additional one-off payment. In the first case to you or in the case of your death, to your legal heir. Card Insurance applies on condition that you are travelling. A journey commences at the time you leave your home and ends as soon as you are back there. You can only benefit from this insurance package if you pay for the trip and your travel expenses with your credit card.
18 18 Insurance Card Support: assistance in the case of emergencies This free service offers you assistance and advice in the event of unforeseen situations, such as loss or theft of travel and other documents, personal injury, illness or death. Card Support offers you support in the case of: Medical transport Cash advances Unexpected return to the Netherlands Repatriation in the event of death Legal assistance outside the Netherlands Medical information Visit from the Netherlands Tracing and rescue If you believe you are entitled to claim under any of these insurance categories or if you would like to receive a copy of the policy conditions, please go to abnamro.nl/professionalcard
19 19 the extras with your ABN AMRO Professional Card Simple reclaiming of your foreign VAT with the VAT Reclaimer Service With the VAT Reclaimer Service you can easily reclaim VAT that you have paid outside the Netherlands. How does it work? Register yourself online at abnamro.meridianglobalservices.com You will receive a confirmation with a copy of the contract and a summary of the steps to be taken. You should sign the contract and return it to Meridian. You will then receive instructions for registering with the Dutch tax authorities at the foreign VAT portal. Register with the tax authorities VAT portal. After two weeks you will receive a reminder to authorise Meridian to reclaim foreign VAT on your behalf. Once you have completed these steps you can start using the VAT Reclaimer Service. You will receive periodic s reminding you to send your receipts in to Meridian. These s will also indicate what can be reclaimed and what deadline Meridian applies for submission of the receipts. These reminders are sent at various times of the year. You may submit your receipts throughout the year, but you have to have sent in all your receipts by September in order to be able to reclaim the VAT for that year. The receipts for the months October, November and December are processed in the following year. If the date for submission of the receipts changes, Meridian will advise this in advance of such change.
20 20 You will find further information at: abnamro.nl/professionalcard ABN AMRO is not liable for the service provided by Meridian The Regus Businessworld Gold Card free for a year! After registering you can use the business lounges in any of the 1,100 Regus centres in the Netherlands and abroad for one year. As a professional you not only need optimum payment convenience, but also a professional work location that you can use whenever you want to. We are therefore pleased to offer you the Regus Businessworld Gold Card. This gives you a year s free, unlimited access to the business lounges at the many Regus centres. The business lounges offer the perfect business environment in which to work and network in comfort. After the first year you are given the opportunity to extend your card on a chargeable basis. If you choose not to do so, the facility automatically ceases. To obtain the Regus Businessworld Gold Card you can register at: regus.nl/abnamro. After entering your particulars you will immediately receive a confirmation . This is your temporary access pass to all Regus locations, until you receive your Regus Businessworld Gold Card at your home address.
21 The extras with your card 21 Regus Businessworld Gold Card offers you the following benefits: Unlimited access to the Regus business lounges or cafes worldwide, with free internet, coffee and tea. 10% discount on meeting space, video conferencing and office space. The presence of professional administrative support. This can be hired (on a chargeable basis) for packing and shipping packages or printing and binding documents, for instance. ABN AMRO is not liable for the service provided by Regus Exclusive offers As an ABN AMRO Professional Card holder, you will regularly receive exclusive offers via the internet, specially selected for you. Check regularly at abnamro.nl/professionalcard for these exclusive offers.
22 22 What to do in the case of loss or theft? what to do if... Report loss or theft of your credit card immediately to ABN AMRO Credit Card Services on (local rate in the Netherlands). If calling from abroad: Always report loss or theft of your credit card to the police, including when you are abroad. Keep a copy of the police report. Ensure that you have made a record somewhere of your credit card number and the telephone numbers on the back of your card so that, in the event of loss or theft, you can give your details to the police and ABN AMRO. Don t agree with a payment? If you don t agree with a payment indicated on your monthly statement, contact ABN AMRO Credit Card Services immediately on If calling from abroad: You will then receive a form on which you can dispute the payment. A request for a payment to be recredited should have been received by ABN AMRO in writing not later than 30 days after the date of the monthly statement. The payment can be recredited, after which ABN AMRO Credit Card Services will investigate the matter. If it emerges that the payment should not have been corrected, it will be charged again, plus any costs that may have arisen.
23 23 important telephone numbers ABN AMRO Credit Card Services +31 (0) (local rate in the Netherlands), for questions about your credit card and for reporting loss or theft of your credit card. Address ABN AMRO Credit Card Services Postbus CB Hoevelaken Netherlands abnamro.nl/professionalcard ABN AMRO general (EUR 0.10 per minute, 24 hours a day, 7 days a week), for questions about any other ABN AMRO products or services. If you are abroad, call: abnamro.nl/zakelijk No rights may be derived from the contents of this publication. Subject to change without notice.
24 ABN AMRO Creditcard Services +31 (0) (local rate in the Netherlands) abnamro.nl/professionalcard
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