(+382 202) 19905

Tips for card users

Follow our professional advice and use your card properly, free of worries

The number of issued payment cards and their use at points of sale and ATMs is continually growing, while security threats to your cards and money are becoming an ever more burning issue. That is why we have prepared some useful and simple tips for you to follow and use your cards at ATMs and points of sale securely.

First of all, we provide HB-SMS service to all our card users: the moment you complete a transaction, you will receive an SMS message to you phone on the change in your account balance, and the time and place of the transaction. This way you know no one is using your card without authorization. If you get a message on the transaction you have not authorized, you can contact us immediately and prevent further damages. For more information on HB-SMS, please view HB-SMS service.

Advice on how to protect your card and prevent misuse

Keep you card in your wallet or other secure place.

Keep you card separately from your PIN.

The magnetic stripe at the back of the card is very sensitive. You need to protect it from physical damage (scratching), electromagnetic radiation, humidity, etc.


When you get your PIN from the Bank, try to remember it, and destroy the envelope carrying the PIN.

Never note your PIN down, especially not on papers and documents you carry on you.

If you suspect someone knows your PIN, contact the Bank for a new PIN or change it at one of our ATMs.

When using an ATM, try to shield the screen from view by using your body when selecting options shown in the screen, and when entering your PIN, shield the ATM keyboard by covering it with your hand.

Using an ATM

When using an ATM, pay close attention to the surroundings and people around you.

If a person standing next to you behaves suspiciously or indecently, pushes you or does anything threatening, you should cancel the transaction.

If you notice something suspicious in the ATM (e.g. additional equipment installed), cancel the transaction and immediately inform the nearest Bank branch or call our Call Center at 19905.

Do not accept assistance from anyone. If you are not sure about how to use the ATM, contact the Bank staff, and we will give you all the information and instructions necessary.

If the ATM does not return the card, please notify the nearest Bank branch or call our Call Center at 19905.

Points of sale, shops, restaurants, etc.

Look after your card and keep your eyes on it during a transaction. This particularly applies to restaurants and shops where POS terminals may be at a greater distance from the cashier’s desk.

If a POS terminal is at a distance, insist that the merchant completes the transaction in your presence only.

Card missing or lost

If your card is missing or lost, please report it immediately to the nearest Hipotekarna Bank office, to another bank carrying Visa or MasterCard logo, or call our Call Centre at 19905.
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