General Terms:

• Credit card for making credit purchases or cash withdrawals at ATMs, both debit and credit.
• You can pay for your purchases at the end of the month or defer your payments. You choose how to defer them: for a fixed amount or a percentage of the billing.
• Option to withdraw cash at the ATM or transfer the available credit limit from your card to your account through Digital Banking or at any branch.
• Contactless technology, which allows you to make purchases simply by tapping your card on the point-of-sale terminal (POS).
• OTP (One-Time Password) security code for online purchases and EMV chip for added security. With PIN verification or contactless payments at merchants, you don't need to sign the transaction receipt.

The standard credit limit is €1,800 per month. The approval of a credit card and the amount of the credit limit are subject to MoraBanc's assessment of each client's creditworthiness.

Price and Fees:

• Annual card fee:
  • Primary Cardholder: €68
  • Additional Cardholder: €44
• Statement early payment fee: €0
• Deferred payment fee: 1.5% monthly on the outstanding balance.
• Cash withdrawal fee at MoraBanc ATMs: 3.35%, minimum €2.50
• Cash withdrawal fee at ATMs of other entities: 4.5%, minimum €6
• Transfer of available credit limit to the account fee: 3.35%, minimum €2.50
• Card replacement fee:
  • Fee of €6 when requested through a manager or in-person, by phone, email, or chat.
  • Fee of €2 when requested online or through the app.

*IGI (Value Added Tax) not included.

The OTP (One Time Password) code is used to securely make purchases at online merchants* with your MoraBanc Visa. Every time you make an online purchase*, you will automatically receive a 6-digit numeric code via SMS on your mobile. Enter it to confirm the payment.

*Purchases made at secure online merchants. A secure online merchant (CES) is one that has implemented the 3D Secure system of Visa and MasterCard, making online purchases much safer by authenticating the buyer as the legitimate cardholder.

MoraBanc's SMS Alerts service will send a message to your mobile phone every time a transaction exceeding the amount you specify is registered on your card (starting from €60).

Receive alerts wherever you are, even abroad, regardless of the transaction amount, by activating this service. You can choose the countries where you wish to receive alerts.

Request it for free by calling (+376) 884 884, through your personal manager, or by logging into MoraBanc Digital.