Information about the new debit card – the Debit Mastercard

The Debit Mastercard is a debit card like the Maestro card. With a debit card, payments are debited from your account immediately. You can use the Debit Mastercard worldwide to make cashless payments at all Mastercard acceptance points and withdraw cash from ATMs. In contrast to the Maestro card, you can also pay in online shops.

Because it can be used to pay on the internet and in apps, the Debit Mastercard is the debit card of the future and hence the successor to the Maestro card.

Maestro cards will be exchanged for the new Debit Mastercard free of charge once they expire. If you wish to obtain a Debit Mastercard sooner, you can apply for a replacement card for a fee of CHF 20 via your client advisor or by calling the the 24-hour helpline (+41 (0)800 800 488)*.

Yes, the conditions of the Debit Mastercard have been changed. Fees are no longer charged for purchases made abroad. Further information about functions and fees can be found at credit-suisse.com/debitcard.

The Debit Mastercard is available for transaction accounts in the foreign currencies EUR, USD, and GBP.

The color of the Debit Mastercard is predefined and depends on the product selected (account/banking package). Viva Young/Viva Student and Basic Banking clients receive the white Debit Mastercard; all other clients receive the black one. The designs of the Viva Kids cards remain unchanged.

The limits can be accessed and changed in online banking**. If you do not have online banking, you can also change the limits via the 24-hour helpline (+41 (0)800 800 488)*.

In contrast with the Maestro card, you can also use the Debit Mastercard to pay online. In addition, there are ten million points of sale worldwide that accept the Debit Mastercard but not the Maestro card.

• Control spending – payments and cash withdrawals are immediately debited from your account. This helps you keep a close eye on transactions executed as well as the current balance in your account at all times.
• The Debit Mastercard is accepted at home and abroad – everywhere you see the Mastercard logo.
• Paying at shops and vending machines – you can use the new debit card to pay at over 43 million points of sale.
• Contactless – purchases of less than CHF 80 are made in seconds and without needing to enter a PIN. For larger payments, your PIN will be automatically required for security reasons.
• Online payments – the Debit Mastercard also allows you to pay securely and conveniently on the internet and in apps. Extra security is provided using 3D Secure – a process through which you confirm payments to most online retailers using your mobile phone.
• Store card details in online shops – pay for your next purchase more quickly and make recurring payments for online subscriptions; the expiration date of stored cards is updated automatically.
• Pay for hotels or car rentals.
• Withdraw and deposit cash – you can withdraw cash anywhere in the world. In Switzerland, cash deposits can be made at designated Credit Suisse ATMs.
  

A debit card, such as the Debit Mastercard or the Maestro card, is one that directly and immediately debits your account when a payment or a withdrawal is made. With a credit card, amounts are not immediately debited from an account, rather the client receives a monthly credit card statement with charges from the previous month. The client can then pay part or all of the credit card bill.

You can use your Debit Mastercard wherever Mastercard is accepted. Worldwide, the Debit Mastercard has approximately ten million more acceptance points than the Maestro card. There are few acceptance points that only accept Maestro and not credit cards. The Debit Mastercard will not work at such acceptance points. Credit Suisse is working with Mastercard and SIX to continuously close these gaps. At such locations, TWINT can often be used as an alternative to cash.

At present, the Debit Mastercard cannot be used for Apple Pay, Google Pay, or Samsung Pay. We are reviewing the implementation of this function and will provide information in due course should this become available.

Before you can pay online, you must register once for 3D Secure. Only a few online shops are already using the correct designation “Debit” as the payment type. Therefore, select “Credit Card” (or “Mastercard”) as the payment type – the transaction will still be processed as a debit transaction. Enter your 16-digit debit card number, the expiration date, and the three-digit card verification code (CVC) of your Debit Mastercard, and confirm the transaction by entering the 3D Secure code that is sent to your mobile phone.

It is not possible to use the Debit Mastercard to top up a prepaid mobile phone at an ATM.

One-time registration of your Debit Mastercard for 3D Secure is required. To do this, open the following link to start the setup: https://ecom.six-group.com

For the setup, you need your card number, your mobile number, and the registration code (OTRC) that was sent to you automatically after the card was ordered. You can use 3D Secure immediately after registration.

Contact the 24-hour helpline at +41 (0)800 800 488*. We will send you a new registration code (OTRC) immediately.

Using the Debit Mastercard to make payments on the internet meets international standards and accordingly provides the highest possible level of security. 3D Secure (also known as the “Mastercard identity check”) is an authentication procedure that increases the security of online payments because a code must be entered to confirm the payment in addition to the card number, the expiration date, and the card verification code (CVC). This code is sent to your registered mobile phone number during the payment process, and is only valid once. In this way, 3D Secure increases security for both you and the participating retailer. You are not liable for a potential financial loss in the event of misuse, provided that you have met your due diligence obligations.

On the platform of each retailer who supports 3D Secure, you will see a window during the payment process where you must enter your 3D Secure code. This will be sent to you by SMS on each occasion. To be able to use 3D Secure, you must first register once.

The decision to request a payment confirmation (3D Secure) lies solely with the retailer. If the online shop does not carry out this additional confirmation, the card payment will be executed after you enter the card number, the expiration date, and the card verification code (CVC) as soon as you click on “Pay.” However, we recommend that you register for the 3D Secure process immediately after receiving your card so that you can make unrestricted use of your card on the platforms of all online retailers.

No, the blocking and unblocking of countries for debit card transactions does not affect payments in online shops. Travel settings only apply to using the card at physical points of sale and ATMs.

Yes. You can deactivate the online payment function yourself in online and mobile banking**, or you can have it deactivated by your client advisor, at one of our branches, or via the 24-​hour helpline (+41 (0)800 800 488)*. This function can also be reactivated at your request.

You can store your Debit Mastercard as a payment card with specific retailers by agreeing to your card information being saved. To do so, please follow the instructions of the retailer concerned. For future purchases, you can pay without re-entering your card data. When your card expires, your card’s new expiration date is automatically communicated if the retailer supports the updating service.

The new expiration date of your card is automatically communicated to retailers who support the updating service if you have stored your card data with them.

Yes. You can have this function deactivated by your client advisor, at one of our branches, or via the 24-hour helpline (+41 (0)800 800 488)*. This function can also be reactivated at your request.

The following functions can be activated and deactivated by the client in online and mobile banking**: online payments, contactless payments, ATM withdrawals, and notifications regarding successful and unsuccessful transactions.

You can use your Debit Mastercard online or with a provider to book a hotel or rental car. Unless a prepayment is made, many retailers check the card validity. Depending on the retailer, an amount can also be blocked when you make the booking or when you arrive, which can be debited when you check out or if the rental car is damaged, for example. The account must have sufficient funds available at the time when the amount is blocked.

Look out for the symbol at the payment terminal. You can use your contactless Debit Mastercard to pay wherever you see this logo. Hold your debit card close to the contactless sensor. The display will confirm payment within a few seconds.

For security reasons, the contactless function is temporarily deactivated when the Debit Mastercard is dispatched. First, you need to make a transaction by inserting your debit card into a payment terminal or an ATM and entering the correct PIN. This automatically activates the contactless feature and allows you to make contactless payments.

No PIN needs to be entered for amounts of less than CHF 80. For security reasons, however, you may have to enter your PIN from time to time even for transactions under CHF 80. You will always be prompted to enter your PIN for amounts over CHF 80.

Yes. For amounts over CHF 80, the payment terminal will prompt you to enter your PIN. You do not need to insert your Debit Mastercard into the payment terminal, however.

Yes. You can deactivate the contactless feature yourself in online and mobile banking**, or you can have it deactivated by your client advisor, at one of our branches, or via the 24-​hour helpline (+41 (0)800 800 488)*. This function can also be reactivated at your request.

NFC stands for “Near Field Communication.” This allows the card’s chip to communicate with the payment terminal via a short-range, high-frequency magnetic field (in practice, approximately 2–4 cm). Similar technology is used for ski passes and access controls in the workplace, sometimes with a longer range.

Contactless payments use the same data as contact-based chip payments. Only the card number and card’s expiration date are stored on the chip. Information such as name, date of birth, gender, address, account number, and transaction data is not stored on the chip.

• The contactless Debit Mastercard is equipped with the latest generation of chips and is state of the art in terms of security.
  
  
• The same data transmission protocols and cryptographic security procedures are generally used for contactless payments as for contact-based chip payments.
  
  
• Your Debit Mastercard will only initiate a transaction if it is held very close to the payment terminal. The short range of 2–4 cm prevents any unintended payment from occurring at a larger distance.
  
  
• Only one transaction is permitted per payment process, even if the card is placed next to the payment terminal multiple times in a row. If the payment terminal detects more than one contactless card, it automatically cancels the transaction without any payment occurring.

• You will have to enter your PIN for all transactions involving amounts over CHF 80.
  

If you lose your Debit Mastercard, please request us to block it immediately.

• You can block your card yourself in online and mobile banking**. There is no charge for blocking a card in online and mobile banking.
• Call our 24-hour helpline at +41 (0)800 800 488*. Please note that a fee of CHF 55 will be charged for blocking your card if you have this done via our 24-hour helpline.

At your request, we will mail you a new Debit Mastercard and, in separate letters, a new PIN and a new registration code (OTRC). There is a fee of CHF 20 for replacing your card. Please note: If your card is stolen, please report the loss to the police.

If you cannot reach agreement about a debit directly with a retailer, you must submit an unjustified debit claim to Credit Suisse in writing within 30 days of receiving the account statement, together with all related documents (emails, letters, information about telephone communications, receipts etc.). Your client advisor or the free 24-hour helpline at +41 (0)800 800 488* will be happy to assist you with this.

Support is available from our free 24-hour helpline at +41 (0)800 800 488* if clients experience technical problems, need to block their card, or in the event of a claim.