Card safety

Cembra Money Bank monitors for suspicious credit card activity 24 hours a day. If required Cembra Money Bank may contact customers to verify certain transactions. Therefore it is possible, that you may receive a call or a text message (SMS) from us. For security reasons, Cembra Money Bank may block credit cards to prevent unauthorized activity. If your credit card does not work as expected, please call the number on the back of your card: +41 (0) 44 439 40 20. If there is an increased fraud risk, Cembra Money Bank will replace your card free of charge.

• Sign your card immediately after receipt, on the respective field on the back of your card.
• Change your PIN-Code if needed at an ATM. The newly chosen PIN-Code should not contain easy-to-guess combinations such as your phone number, date of birth or car license plate number.
• Never keep the record of your PIN-Code together with your card.
• Always enter your PIN-Code discretely to prevent possible observation by third parties.
• Treat your card with the same care as cash.
• Check the monthly bill of your credit card for unauthorized transactions. If such transactions are found, please call +41 (0)44 439 40 20 immediately.
• Call the number +41 (0)44 439 40 20 if your card was lost or stolen. The number can be dialed 24 hours a day and if reported, the respective card will be blocked and a new one issued to you free of charge.

In this case, please call the number +41 (0)44 439 40 20. The respective card will be blocked.

Fraudsters constantly find new ways and methods to get access to customer data:

• Malware
  The Term „Malware“ stands for all kinds of potential harmful software, e.g. viruses, trojans, which may smuggled into your pc by fraudsters.
  How to protect myself from Malware?
  Always install and activate an updated version of a firewall and virus scanner on your computer. More information how to protect yourself online can be found in Article 6. “General Internet-Security recommendations”.
• Fraudulent phone calls
  By calling you, fraudsters may try to get your personal data. As an example, fraudsters may call purporting to be pc experts from known software-companies claiming that your pc has security issues with an offer to fix them immediately. As a compensation for this service, they will request you to reveal your credit card details in order to charge a fee for their services. Never disclose your credit card details in such cases. In case you still have revealed your credit card details, please immediately call us at +41 (0)44 439 40 20.

Always use an updated version of anti-virus-software with your pc and ensure that your operating system (such as windows) and internet browser are up to date with security updates.

Use Spam Filters to protect yourself from unwanted Emails and Phishing-Emails. In principle you should be careful with disclosing your email address. Do not open Emails from unknown sources or with unexpected attachments.

Do not react to requests to reveal personal data via emails and links, even not if the sender is shown as Cembra Money Bank.

Always protect your privacy. Never enter your personal details such as mobile phone number or credit card number on suspicious websites.

Don´t install software from untrustworthy providers.