Security advice and card protection

The following sets out all the necessary information for the security of your BCGE card transactions: 

For your security, adopt the right habits

For the safe use of your debit cards and/or your credit cards (BCGE Visa card or MasterCard), the following basic rules should be applied: 
  • Your PIN code (personal identification number) is confidential : never store it with your card, do not even write it down, in any form whatsoever. Learn it by heart, do not communicate it to anyone, on any occasion.
  • This PIN code is required to complete all your transactions. You must always keep it a secret.
  • Do not choose a code that is easy to reconstruct (date of birth, registration number, etc.).
  • When you withdraw cash from the ATM, enter your code away from prying eyes.
  • Place one hand over the keyboard to prevent it from being filmed.
  • Don't forget to take your card and receipt.
  • Do not be distracted during your operations at the ATM.
  • If your card gets blocked, refuse the help of an unknown person and inform the bank concerned.
  • Ask for your card to be blocked immediately if any irregularities are noted.
  • Use personal data with the utmost care, i.e. the number of your credit card, its expiry date, or its CVV/CVC1 code. In no circumstances should you communicate these details in e-mails or non-secure web forms (https). Do not mention them in documents sent by post, even if you have been given assurance that the card will not be debited.

The CVV (Code Verification Value) and CVC (Card Verification Code) are security codes comprising a series of three figures which appear on the back of your credit card. These codes enable you to confirm that you are in possession of your card when conducting online transactions.  

Simple steps to protect your cards

The magnetic strip on the back of your card can be damaged when the card is close to an electromagnetic field. This means that there is a risk of the information required to validate payment being deleted (demagnetisation). If this happens, your card may not be accepted by an ATM or a payment terminal. 

To avoid all risk of demagnetisation, it is advisable never to keep your bank cards close to: 
  • mobile phones
  • magnetic fastenings on handbags or beltbags
  • televisions or any equipment incorporating speakers
  • magnetic plates which form part of store check-out points (used to remove anti-theft tags)
  • any other equipment containing a magnet (paper clip holder, ski rack, etc.)

In all cases, demagnetisation only destroys the magnetic strip: the details regarding the account remain intact. 
A number of precautions also need to be taken to ensure that your card works properly: 
  • avoid scratching or bending the magnetic strip
  • keep your card flat, in a protective case
  • do not keep it back-to-back with another card
  • do not expose it to the sun
  • never let it come into contact with metallic objects (keys, coins, etc.)
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