Type of bank cards

The Banca de Economii issues the following types of cards:

Cards issued under the VISA International brand:

VISA Electron card is destined for the individual clients and may be used in the electronic devices – ATM’s, POS-terminals in case of sufficiency of money amount necessary for transaction. VISA Electron allows its holder to visualize the balance and withdraw the cash from other banks ATM’s (both national and international).

 For some Visa Electron operations (at commercial points and the bank branches) instead of PIN code there can be used the signature of the cardholder. Also, Visa Electron cardholders have the possibility to operate transactions in the Internet.

 

Visa Classic is destined for the individual clients. It can be used in both the electronic terminals network and through imprinter and telephone (the information from the card is printed on a special check, later the issuing bank confirms the cardholder’s balance by phone). This method is used especially in trips abroad cases.

Also, by means of Visa Classic there can be operated “Mail/Telephone Order” transactions, the booking or reservation by phone, mail or e-mail of some services without the actual presentment of the card (hotel rooms booking, restaurant reservations, etc.)

When issued, the Visa Classic cards require a minimum card balance in correspondence with the operating Tariffs. This sum represents a guaranty for the return of a possible debt on unauthorized Overdraft. The minimum balance amount is returned when the card account is closed.

Visa Gold is destined for the individual clients. Visa Gold offers the possibility for an urgent issuance or cash withdrawal in case when the card is stolen abroad. For issuance or cash withdrawal in case when the card is lost or stolen abroad, the cardholder needs to address to an authorized bank, member of the International System VISA International.

  When issued, the Visa Gold cards require a minimum card balance in correspondence with the operating Tariffs. This sum represents a guaranty for the return of a possible debt on unauthorized Overdraft. The minimum balance amount is returned when the card account is closed.

Cards issued under the MasterCard Worldwide brand:

Cirrus/Maestrocard is destined for the individual clients and may be used in the electronic devices – ATM’s, POS-terminals in case of sufficiency of amount of money necessary for transaction.
Cirrus/Maestro card allows its holder to visualize the balance and withdraw cash from other banks ATM’s (both national and international). Also, Cirrus/Maestro cardholders have the possibility to operate transactions in the Internet. For operations by means of electronic devices with Cirrus/Maestro card, the use of PIN is required.

 

Mastercard Standard is destined for the individual clients. It can be used in both the electronic terminals network and through imprinter and telephone (the information from the card is printed on a special check; later the issuing bank confirms the cardholder’s balance by phone). This method is used especially in trips abroad cases.

Also, by means of Mastercard Standardthere can be operated “Mail/Telephone Order” transactions, the booking or reservation by phone, mail or e-mail of some services without the actual presentment of the card (hotel rooms booking, restaurant reservations, etc.)

When issued, the Mastercard Standardcards require a minimum card balance in correspondence with the operating Tariffs. This sum represents a guaranty for the return of a possible debt on unauthorized Overdraft. The minimum balance amount is returned when the card account is closed.

                                             

MasterCard Gold is destined for the individual clients. MasterCard Gold offers the possibility for an urgent issuance or cash withdrawal in case when the card is stolen abroad. For issuance or cash withdrawal in case when the card is lost or stolen abroad, the cardholder needs to address to an authorized bank, member of the International System MasterCard Worldwide.
When issued, the MasterCard Gold cards require a minimum card balance in correspondence with the operating Tariffs. This sum represents a guaranty for the return of a possible debt on unauthorized Overdraft. The minimum balance amount is returned when the card account is closed.
 

The Banca de Economii JSC assures for the cardholders:

The safetyness:

  • The money on the card can not be stolen or lost;

  • If the card is stolen or lost, its account can be blocked at any moment by making a simple telephone call;

  • The use of the PIN-code (the cardholder’s electronic signature) excludes the use of the card by unauthorised persons.

The Convenience:

  • The possibility to deposit/withdraw cash into/from the card account at more than 100 subdivisions of the Banca de Economii throughout the country;

  • The possibility to withdraw cash 24 h a day at the bank’s automated teller machine network or from other banks within the country or abroad, where you can see the sign of your card;

  • The recording and the monitoring of the performed monthly expenses based on the statements, that can be requested by e-mail, SMS-banking or at the subdivisions of the Banca de Economii;

  • The international acceptance and the transfer payment of the shops, restaurant, hotels and Internet, etc. products and services.

  • The possibility to receive money from abroad directly on the card, using the bank’s requisites.

  • The converting of the card financial funds into the necessary currency at an advantageous rate;

  • The money on the card account do not need to be declared while crossing the border;

  • The possibility to set up additional cards for Your relatives, granting them a limited or unlimited access to Your bank account.

The Flexibility:

  • Advantageous  service fees;

  • The possibility to fill up the cards by cash or by transfers, in lei or foreign currency;

  • The possibility to set up the card in national currency, USA dollars or Euros;

  • The access to Your bank account is for 24 hours a day;

  • Accrued interest on Your account balance;

  • The debit and the credit cards can be issued for both, the individuals and the legal entities;

The Prestige:

Holding the international card constitutes a real credential wherever You may be.