Consumer Rights and Responsibilities

Your rights when executing payments in Europe?

– Cross-border euro payments among EU countries cost the same as domestic payments in Euro.

– International payments in Euro from non-Euro area countries cost the same as domestic payments in national currency. Therefore, the fee for withdrawing cash from an ATM should be the same both in your country and in another Member State.

– Unauthorized payments (such as those made with a stolen credit card) will not result in a loss of more than 50 euros for you (unless such payment was made due to your negligence). You will not be liable for unauthorized payments made after we have been notified of the loss or theft of your card or for online payments if the authentication procedures we apply do not ensure high-level security.

– If you use direct debit services (you have authorized the payee to initiate payments from your payment account periodically), you have the right to contest any incorrect charge within 8 weeks. Any funds that have been debited incorrectly must be returned to you within 10 business days.

– You have the right to know whether and what commission fees apply to you when making payments.

– Whenever you pay with our payment card that has been issued in the EU, the merchant cannot charge you any additional fees.

–Should you experience problems with our payment services or any other issue, please let us know, and we will take care of your issue as soon as possible though latest, within 15 business days.