DIAMOND NAIRA VISA DEBIT CARD. Your Bank

Transcription

1 DIAMOND NAIRA VISA DEBIT CARD Your Bank

2 Overview The Diamond Naira Visa Debit Card is an international payment card issued by Diamond Bank in partnership with the VISA Card Association. It is denominated in Naira, but can also be used to make purchases for goods and services both locally and in other major currencies of the world on ATM, POS and online. Worldwide acceptance means you can pay for goods and services at over 29 million Visa merchant locations and over 1.9million ATMs in more than 210 countries. The Diamond Naira Visa Debit Card is linked online real-time to your local Current or Savings account and is for electronic use only. For every transaction you perform with your card, you will receive an instant notification which can help you monitor your account 24/7. 1

3 Inside Everywhere you go Features 3 4 Who Qualifies 5 FAQs 6 Card Fees & Transaction Limits 7,8 Important Tips 7,8 2

4 Everywhere you go Diamond Naira Visa Debit Card is linked to your Naira account with Diamond Bank and it can be used to pay for goods and services anywhere in the world from your local Savings or Current account. It is your money on the go and you can use it for your purchases on POS, merchant online sites or just to withdraw cash from any Visa enabled ATM anywhere in the world. Features All transactions are PIN protected. Cardholder's name, card number and expiry date are printed on the front side of the card. Card is valid for 3 years. The 3 digit Card Validation Value (CVV2) is printed on the reverse side of the card, beside the signature panel. Why Diamond Naira Debit Card? 24 hours easy access to your money from over 1.9million ATMs worldwide. Accepted globally for payment of goods and services at over 29million merchant locations worldwide (hotels, supermarkets, online stores, airlines etc). Provides safety which eliminates the risk and inconvenience associated with carrying cash. 73

5 Security Your Diamond Bank Naira Visa debit card is protected by the most secure technology for card transactions CHIP and PIN enabled. All transactions come with audit trail, meaning you can review and confirm your transactions later from your account statement. 84

6 Frequently Asked Questions (FAQs) Your frequently asked questions answered Always keep your card safe and secured Who qualifies for a Diamond Naira VISA Debit Card? Existing customers of Diamond Bank with functional Savings or Current accounts will get the card on request and with the completion of an application form. All new customers who open a savings or current account with Diamond Bank with a completed debit card application form. How do I get a Debit Card? It is as simple as walking into any Diamond Bank branch nearest to you to request for your Diamond Naira Visa Debit Card. All existing Savings and Current account holders will be issued with the card upon completing the Debit Card application form, while new customers will need to open a Savings or Current and complete a Debit Card form, Card will be ready within 3-5 business days. The Debit Card application form can be downloaded from our website: How does my Debit Card work? The Diamond Naira Visa Debit Card does not offer a credit line to the cardholder, it is a debit card that is linked to your Saving or Current account and can only permit transactions based on the available funds in your account. All transactions are online real time; so you will receive transaction notifications for every purchase and withdrawal made with the card. 5

7 FAQs Does my card require activation before use and what is my PIN? Yes, to use your card you must activate it by changing the default PIN to your transaction PIN at any Diamond Bank ATM nearest to you. Your Debit Card transaction PIN is a 4 digit number that authenticates your transactions by giving you access to your account. How do I avoid fraudulent transactions on my card? Your PIN is the signature required for all your card transactions and as such should be kept secret and private; do not share with a third party. Always keep your card safe. Don't allow your card to go out of sight when being used for a transaction at merchant locations. What happens to my account when my Debit Card is lost or stolen? Your money is safe, you are required to report any lost or stolen cards immediately to the nearest Diamond branch or by calling You are also required to call this number if you have any difficulty using your card abroad or locally. This number is written on the reverse side of your card as well as in the welcome letter that come with your card. 6

8 FAQs Can I use my Debit Card to make Payments Online? Yes. Your Diamond Debit Card is accepted across all channels: ATMs, POS machines as well as the internet for payment of goods and services both locally and internationally. What are the likely reasons why my card transaction may be declined? When you don't have sufficient funds in your account to carry your transaction When you enter a wrong card PIN If your card is not activated. Please check page...to find out how to activate your card When you have exceeded your daily withdrawal limits. Please check card fees and transaction limits on page... Are there tips to note when using my card abroad? Yes. These are likely experiences you may have while trying to use your cards abroad as different merchant categories adopt different acceptance methods peculiar to their type of business. Most restaurants may carry out a balance check on your card to ensure that you have enough money to cover your bill. When you are checking into a hotel take note of the fact that accommodation bill amount may be put on "hold" which means that you cannot use the blocked amount for other transactions while in the hotel. 7

9 Card Fees & Transaction Limits Features Joining Free Validity Transaction Charges POS & Web Int'l Transaction Charges POS & Web Local ATM Withdrawal Charges Int'l Anniversary Fees POS Cash Advance Int'l ATM Daily Limit POS & WEB Daily Limit Web Daily Limit Fees N1,000 3yrs FREE FREE N240 N100 N750 International: $1,000. (N150,000) Local: N150,000* International: $10,000 (20 times) Local: N200,000* $5,000 (5 times) Card Re-Issue/Replacement N1,000 Pin Reissue N250 Annual Spend $150,000 * Subject to limit extension based on your request Other complimentary services Verified by VISA: VbyV lets you create your VISA card internet PIN thereby granting you added security and protection with the reassurance that you alone can use your card online or approve each purchase online with your own secret password. VISA Notification Service: VNS delivers SMS alerts to your mobile phone prompting you of any transaction effected with your card. This is delivered to the preferred mobile number you listed on your application form. VISA Account Statement: Monthly e-statement will be delivered to the preferred address listed on your application form. 8

10 FAQs Can I make payments in other currencies as my card is denominated in Naira? Yes. Your Diamond Visa Debit Card can be used for payment at any merchant location or ATM globally irrespective of the currency of denomination. Visa currency conversion system will apply for transaction request involving a different currency denomination.. What is CVC/CVV2 Code? CVC/CVV2 Code [Card Verification Code] is used for WEB transactions only. It is used to authenticate your transaction. That is the last 3 italic digits of a 7digits number behind your card. For some cards the digits behind are only 3. What details do I require to carry out Online Transaction? You would require the following details to carry out online transactions. What you require Cardholder Name: Card Number: Expiry Date: CVV2 Code: Billing address: Shipping address: VbV: A Brief Descriptive Exactly as it is written on the card e.g. Ikenna Ayodele Usman 16 Digit number in front of your card Date is below your card number and above your name Behind your card 3 digit code in italics Ensure it's the same address you supplied during card application Your choice Second level security code for online transactions. 9 7

11 Keeping Your Money Safe Safeguard Tips Keeping your money safe means keeping your card safe. Treat your card like cash and DO NOT allow your card to be taken out of your sight. Memorize your PIN. Ensure that the PIN pad is not exposed when entering your PIN. NEVER share your PIN with ANYONE and that includes the police, EFCC, your bank staff or account officer. Ensure you do not choose a number that someone else can easily guess or imitate. Report any lost or stolen card immediately Always keep Diamond Bank Contact Center number with you in case you need to stop your card ( ) Is it safe to shop online with your card? Yes, it is safe to buy online. Visa offers additional security and protection for cardholders through the EMV Chip and PIN technology. In addition, Verified by Visa (VbV) is a new service that will let you use a personal passcode with your Diamond Bank Naira Visa Debit Card, which gives you added assurance that only you can use your VISA card to make purchases on the internet. 8 10

12 How to Use Your Card Step 1 Look: You can use your Diamond Visa Debit Card at Merchant locations anywhere in the world where you see the Visa acceptance sign. Step 2 Choose: Choose your purchase items you would like to buy and take them to the cashier counter. Step 3 Insert or Swipe: When you want to make payment for your purchases, hand the cashier your Diamond Debit Card instead of cash. The cashier will swipe or insert your card on the terminal at the pay point. Step 4 Enter Your PIN: You may be asked to enter your secret PIN. This is the same PIN you changed when you activated or first used your card at Diamond ATM or any one you may have chosen when you changed your PIN. Step 5 Sign: You may also be requested to sign a slip and be given a sales receipt 11 7

13 How to Activate Your Card Collect your card from your branch Do a PIN change at any Diamond Bank ATM to complete activation otherwise your card will not work Activate call , or to activate for foreign transactions Do a PIN change at any Diamond Bank ATM to complete activation otherwise your card will not work Obtain your IPIN, your IPIN provides 2nd level protection for online payments Use your card to make ATM withdrawals, purchases at merchant stores or online payments Obtain your IPIN from any Diamond Bank ATM for online transactions Use your card to make withdrawal on ATM and purchases at merchant locations or online payments 8 12

14 In branch today I talked to: My next appointment in branch is on: / / at : am/pm I can change this appointment by calling: Checklists of what you ll need to bring to your appointment can be found in this brochures If you would want to find out more about this brochure, visit any branch, call us or visit our website. Banking with Diamond: Branch Online Mobile Contact Centre ATM