Shopping safety

When you pay in stores at POS with your card/ phone:

• You must receive the receipt for each approved/ rejected transaction.
• Check transactions often. You can do it, for example, through BT Pay, BT24, NeoBT or BT Visual Help.
• For contactless paid purchases with the card, up to 100 lei, you are not asked for your PIN. If you have made consecutive transactions with a cumulated value of over 650 lei or 150 EUR without entering the PIN, at the next transaction you will be asked for the code even if the amount is below 100 lei, for safety reasons. For phone payments, this measure does not apply because these payments are authorized every time, with your fingerprint, make ID or method of securing your phone.

When you pay online

• Make sure you're on a safe site. The web address must start with https, and a padlocked and "trusted" symbol must appear on the page. Buy from sites you know. If in doubt, do not pay the goods in advance and check reviews / reviews regarding the site / trader / product.
• If the ordered product does not arrive on time, contact the seller as soon as possible. If they don't respond, contact your bank.
• Pay attention to the terms and conditions presented by the trader and only if you agree continue the transaction. We refer to cancellation policy, return policy, delivery conditions, complaint resolution, etc.
• Pay attention to the "free trial" offers, such as free trial for a fixed period, after which, if you do NOT explicitly express your desire not to continue using the services, it is automatically considered that you agree to pay a subscription for a certain period and you will be automatically charged, monthly with the amount agreed by you by accepting (ticking) the terms and conditions at the time of starting the free trial and entering the card data.
• Information you're usually asked to make a payment are: card number, expiration date, card name and CVV2 code (security code on the back of the card).
  
  You are then asked to confirm your online payment:
  
  
  • either by authenticating the payment through the BT Pay app, if you have enrolled the card in the app and in 3D Secure. You'll access the notification and authenticate the transaction with your fingerprint, face recognition, or your phone's security method. Be careful when approving – check the amount and name of the merchant that appear on your screen.
  • either authentication with two passwords - a dynamic one, received from the bank and a static one, set by you. Be careful when approving - check the amount and name of the merchant in the SMS received from the bank.
• Limitations on trading can be changed through BT applications or with the help of the Call Center team (0264 308 028). You can make the limitations by type of operations: payment at POS in stores, online payment, ATM withdrawal and on the number of transactions overall. You can also choose the time frame you want to limit your transactions.

Don't forget:

• Never communicate your card details after receiving SMS/e-mail/call links. Your card details are entered when you've initiated a purchase on a trusted website on the payment page.
• Do not provide your bank card details to receive money. If someone has to send you money, you have to give them the IBAN code. By offering the card data and codes received via SMS you actually offer the possibility to have money taken from your account, not to receive.
• Pay attention to information about raffles, donations through links on social networks, etc., messages through which you are notified that you have won something and in order to receive the product of a significant value you have to pay a small amount for transport, to the messages through which you are notified that in order to receive a package (which you have not even ordered and do not wait for) you have to pay a fee. Analyze very well the offers that seem very advantageous, they can be scams. All these methods are traps that can make you communicate your card data and security passwords to fraudsters to actually authorize transactions on various sites of much larger amounts.