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Security

Using your card at POS

- ask the dealer to perform the operation in your presence
- submit the card at the sales point and check the amount written on the terminal before you enter the PIN code;
- before signing, make sure that the amount written on the receipt issued by the payment terminal (POS) corresponds to the amount of your shopping or of the services supplied;
- in case of unfinished operations, we recommend you to keep the receipts;

If, for certain reasons, your card is not accepted at the dealer’s POS terminal,
contact the BRD agency or call the MyBRD Contact service: (021)302.61.61, 0800.803.803 or *BANCA (*22622).

Using your card at ATMs

For security reasons, your card shall be blocked after you enter the wrong PIN three times. In this case, you can go to any BRD Agency or you can call the MyBRD Contact service at (021)302.61.61, 0800.803.803 or *BANCA (*22622) to unblock your PIN code.

You have maximum:

- 30 seconds to withdraw your card after the transaction is over, otherwise the ATM will keep it inside.
- 27 seconds to withdraw your cash. For security reasons, the ATM will keep the money after this lapse of time. In this case, address any BRD unit, where you will fill in the "Payment refusal Information" form.

To prevent the card from being used by unauthorized persons, but also for security reasons, the bank may establish ceilings for daily cash withdrawals, depending on the type of card.


If you own a card issued abroad in one of the below mentioned currencies and you want to withdraw cash from BRD’s ATMs, you will have the possibility to choose BRD to perform the currency conversion, so that the transaction will be settled directly in your account’s currency. If you choose this option, the exchange rate used by BRD will be the European Central Bank’s exchange rate applicable at the transaction date, to which the following margins will be added:

Currency Mark up vs. ECB exchange rate
HRK 10.58%
CZK 10.91%
DKK 10.61%
HUF 11.18%
BGN 10.58%
EUR 10.62%
PLN 11.13%
SEK 10.87%
GBP 10.93%

Date: 04.12.2021