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Information for the Cardholders

  • Typically transactions through ATMs are considered safe, since the card itself is required to make an operation as well as mandatory PIN code entarnce. Nevertheless card fraudsters are seeking various ways to carry out fraudulent transactions through ATMs.

    The carelessness of some cardholders who make life easier for fraudsters and record the PIN code directly on the card contributes to this. In case of theft / loss of such card anyone can use it.

    There are cases when the card along with the PIN code is transferred to a family member, friend or co-workers to carry out transactions on the approval of the cardholder. It can also turn into an unauthorized withdrawal from ATM.

    We recommend you to follow these safety rules:

    • Do not keep the PIN code together with the payment card
    • Under no circumstances do not tell anyone your PIN code
    • Do not accept help from the third parties to make transactions
    • When you enter a PIN code beware that the entered numbers should not be visible to outsiders: always cover the ATM keyboard with your hand
    • Do not pass the card to another person in any case. All opeartions with your card at trade and service enterpises must be performed at your presence
    • Do not leave the card in places where outsiders can copy the card number and a sample of your signature
    • Keep the copies of the issued cashier's checks within three months

    Also, be careful not to damage the magnetic card strip. For this do not keep the card in the vicinity of electromagnetic radiation sources (displays, television sets, microwave ovens, audio and video equipment, etc.). Be careful when paying at the stores which use magnetic coding of goods, which could lead to denial or improper cards treatment at ATMs and POS-terminals.

  • In the entire history of issuing QAZKOM payment cards, that is, since 1997, there have been no cases of money theft from customer accounts by hacking the bank's information systems. It is much easier for fraudsters to try to steal data and details from a simple cardholder user.

    Therefore, it is important to follow the simple safety rules:

    • Set 3D Secure and SecureCode on the card to provide additional security during online transactions. More details: Online payments with 3D Secure and SecureCode
    • Update your antivirus program in time and use only a secure connection to the site
    • Never respond to spam / emails from strangers and do not click on the links in these messages
    • Do not connect to public or open WiFi networks
    • We recommend to have a separate card for online transactions. You can transfer money to it just before making the payment. More details: MasterCard Virtual Card MasterCard Virtual Card
    • You need to deactivate online payment option on the cards that are not used for online payments
    • Do not keep Internet banking passwords and card data on your computer
  • Phishing (from English fishing) - a kind of internet fraud aimed on stealing personal data of the cardholder. Fraudsters receive data directly from the user using his carelessness

    One of phishing options is a substitution of true site with a fake one. The cardholder goes to the website, enters the payment card data, security codes, passwords, and then it turns out that the site is a fake. Fraudsters get data, and the cardholder loses money. Also, fraudsters can send e-mails, supposedly from the bank to collect payment card details.

    Three simple rules will protect you from phishing scams:

    • Ignore messages and letters requesting payment card details and any personal information. The Bank will never ask customers to do this
    • Be careful and pay attention to the address line of a website or e-mail. If their address is at least one character different from the original this site / e-mail is a fake
    • Do not make payments on unknown websites in any case. Carefully check the address of the site where cardholder enters the data. On phishing sites letters can be mixed or an extra character can be added

    Check the authenticity of the site in a few seconds

    1. Pay attention to the address bar. If the site address or the end of its domain is at least one character different from the original portal address - know that this site is not genuine. Thus addresses «» and «» - are not identical. Same thing with the domain zone - «» and «» - as you can see, the beginning matches and the ending doesn't.
    2. If the site address begins with «https», it means that the source has a secure connection. Usually the address bar of such sites with https-protocol is highlighted in green or has a castle lable. If you are used to seeing «https» in the site address, and today it's not there - do not hurry to enter the login and password. Most likely, you are on the forgery site. Any banking payment system has an address starting with «https» - that's a rule!
    3. Take a good look at the site design. If something looks "crooked" or any design elements do not fit into the overall style of the page, perhaps it is an advertising banner or a virus, and the site, respectively, have been replaced with Phishing.
    4. Check the Web resource authentication with Internet Security. You need to install a quality antivirus that supports the scanning of the Internet channel and cleans incoming traffic to your computer. Please note that phishing sites appear more and more frequently, and therefore the antivirus database must be continuously updated.
    5. If your receive an incredible offer be especially careful - most likely it's a scam trick. All banks have information pages and round the clock information centers to help you check the accuracy of the information received.

    If you become a victim of a phishing scam, immediately contact your bank and block the card.

  • Skimming is a kind of card fraud, when the attackers use a skimmer - a device for reading the magnetic stripe of a payment card. This is a relatively new type of fraud that is prevalent mainly in developing countries in South-East Asia and Eastern Europe. The skimmer is installed in a card-receiving slot at an ATM and thus reads and stores information on plastic cards or remotely transmits ir to the attackers in the vicinity. Together with a skimmer a miniature video camera is also used that fraudsters attached above the keyboard where a PIN is entered or a separate keyboard that is installed on top. Having copied the card data, fraudsters make a duplicate. Knowing the PIN fraudsters cash out money from an ATM. Typically such frauds are carried out by organized international criminal groups.

    Precautions when using an ATM

    • Take a close look at the ATM before using it. Suspicious foreign devices placed on the ATM will be distinctive. In case of their detection you should immediately contact the call-center of the Bank that owns the ATM.
    • When typing the PIN code always cover the ATM's keypad with a hand in order to avoid recording with a miniature cameras installed by fraudsters.
    • Try to primarily use ATMs installed in the premises or in the immediate vicinity of the bank's branches.
    • Change the PIN code when necessary. This service is available at any QAZKOM ATM. You should not set the same PIN code on all your cards or those consisting of simple combinations "1234", "1111", etc.
    • Use SMS-banking service, to round the clock monitor the transactions with your cards. Timely notification of the transaction will help you to avoid even greater losses if the card is lost.

    If you became a skimming victim and found that the money were withdrawn from your card, it is necessary to contact your bank and block the payment card as soon as possible. Write an application for investigation in the nearest office of the bank. Money can be returned! After an investigation, which usually takes from 30 to 60 days, money is returned to the card.