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Cards



  • General Information for card
    With pleasure United Bank of Albania introduce DEBIT MASTERCARD, a card which is secured under CHIP and PIN functionality.

    Your debit card connects directly to your current account by offering you an easier way to access funds in your account. It is your new portfolio.
    Your money is safe and you have a cozy use. With your card you can pay at any point of sale where you see MasterCard logo both inside and outside the country and you can withdraw cash from the ATM 24 hours a day, 7 days a week.

    You don’t have to withdraw money to pay for your purchases or expenses when you can pay directly with a card for them at any store, agency, supermarket, restaurant bar, fuel, hotel, etc. equipped with POS.
    The debit card is also available for online shopping.

    You can check the status of the account as well as verify each transaction performed through the statement, having a full control of your expenses.

     Advantages
    ⦁    FREE Printing;
    ⦁    Practical, fast and easy usage;
    ⦁    Your money is Safe and Comfortable;
    ⦁    Access in your account 24 hours a day 7 days a week;
    ⦁    CASH withdraw in ATM worldwide wherever logo of MasterCard is displayed.
    ⦁    Possibility to purchase in all points of sale (POS) in Albania and outside of it where MasterCard logos are displayed.
    ⦁    FREE Cash withdraw from Union Bank ATM;
    ⦁    FREE purchases in POS, inside or outside the country;
    ⦁    Possibility to change the PIN anytime;
    ⦁    Buy on Internet up to 5,000 Lek.

    UBA Bank offer the possibility to equip with a debit card to all the individuals and business client.
    Debit MasterCard for Business is a debit card designed to facilitate your business activity by helping you with a very good management of the funds you have available. All the authorized people of the business can have DEBIT MASTERCARD. You can present to the branch with an ID card and make your application.
  • For a safe usage of your cards, take in consideration below advices :

    • Treat your card as you would do with the cash - never let it out of your sight.
    • Don't give your secret PIN to anyone. Don’t write it down, memorize it.
    • Don't respond to emails that require you to submit your account number, card number or expiry date of your card.
    • Don't let your friends or family use your cards.
    • Stay vigilant of detecting skimming devices.
    • Keep eyes on your statement: Check your bank debit card statements regularly and thoroughly to see if there has been fraudulent activity.


    Advices how to buy/purchase on POS / ATM.

    • Always cover the keyboard with one hand when setting the PIN
    • Make sure you get your card and bill after completing the purchase or withdrawal at ATMs.
    • Always keep the card under control. Ask to have the POS to your table. Make sure the card is passed only once.
    • Do not distract or hurry when you are performing a transaction.


    Advices for make transactions on Internet.

    • Use the familiar Website.
    • Look for the digital certificate. Be sure to use pages that have SSL (secure sockets layer) .You will know if the page has SSL after the URL for the page will start with HTTPS: // (instead of HTTP: //) One the icon with a closed lock will appear next to the address you opened.
    • Protect your computer by always using the latest antivirus software.
    • Use strong, long, and difficult passwords.
    • Avoid using public computers. There your card data can be easily stolen from fraudsters.
    • When shopping online from your phone, try to always use the apps offered directly by merchants

    If you doubt that your card is copied or lost or stolen, please call us immediately in the phone number back to the card Tel: +355 34224742, in order that the card to be blocked immediately.

  • All Clients of the United Bank of Albania will have the opportunity to use ATM network of Union Bank Sh.a, for FREE. ATM Location as per below table:

    Location of Union Bank ATM-s

    ATM

    Address

    ATM Holl Dega Qendrore-St.Trenit

    Bul. Zogu I, Pallati 13 katesh, perballe stacionit te trenit

    ATM Dega Qendrore-St.Trenit

    Bul. Zogu I, Pallati 13 katesh, perballe stacionit te trenit

    ATM ne EUR Dega Qendrore-St.Trenit

    Bul. Zogu I, Pallati 13 katesh, perballe stacionit te trenit

    ATM QTU

    Qendra Tregtare Univers ( QTU), Km 5 Autorstada Tr-Dr

    ATM City Park

    Qendra Tregtare "City Park", Km 7 Autostrada Tr-Dr .

    ATM Shallvare

    Rr.Reshit Collaku,Pallatet Shallvare 2/18

    ATM RTSH

    Rruga Ismail Qemali (RTSH)

    ATM Lana

    Rr.Irfan Tomini,P8/1( ish-stacioni i fundit i Tiranes se re)

    ATM Kinostudio

    Rr"Aleksander Moisiu"( 100 m para stacionit te fundit te urbanit ),Kinostudio

    ATM Kryqezimi Rruga e Durresit

    Kryqezimi I Rruges se Durresit, P. Nr 7, Njesia Nr.1

    ATM Ansa - perballe Gjimnazit.Q.Stafa

    Rr.e Durresit, P.81 ( perballe Gj.Qemal Stafa)

    ATM Garda

    Rruga “Deshmoret e 4 Shkurtit " ( Garda)

    ATM Blloku

    Bllok, Rr.Ismail Qemali,TIRANE,AL

    ATM Kamez Qender

    Kamez-Qender ( tek pika WU,Rruga nacionale )

    ATM Lapraka

    Rruga "Dritan Hoxha", Pallatet Hawai, Laprake

    ATM Lapraka- Digitalb

    Godina DigitAlb,Autostr. Tr- Dr (km 3)Tirane

    ATM Medrese

    Rruga e Dibres, Medrese ( godina ngjitur me Kliniken Ortodokse )

    ATM Ali Demi

    Rruga Ali Demi( ngjitur me agjensine WU,perballe fushes Ali Demi)

    ATM Kristal

    Komuna e Parisit, Qendra Kristal

    ATM-s in other City

    ATM

    Address

    ATM Berat

    Lagjja 22 Tetori ( perballe shetitores )

    ATM Durres 1- Rr. Tregtare

    Rr.Tregtare

    ATM Durres - Muzeumi

    Lagjja 9, Rruga Aleksander Goga (Muzeumi)

    ATM Durres 2- Agjenti AGI 2

    Rruga 9 Maji, Nr.14

    ATM Durres -Plazh ( Hekurudha)

    Rr. Pavaresia, L.13, Plazh, (Hekurudha) ,

    ATM Elbasan

    Bulevardi Qemal Stafa ( ish-farmacia )

    ATM Fushe Kruje

    Lagjja Adem Gjeli ( sheshi i furgonave )

    ATM Korce

    Sheshi i demostratave

    ATM Kukes 1

    Lagjja 5 ( perballe hotel Amerika )

    ATM Kukes 2

    Lagjja 5 ( perballe hotel Amerika )

    ATM Kavaje

    Lagja 2, Sallbeg, Blv.Kryesor

    ATM Lac

    Lagjja nr.1( 20 m nga pika WU )

    ATM Rrogozhine

    Lagjja Nr.2, Pall.82/3, Shk.1, Ap.2 (ngjitur me agjensine WU )

    ATM Fier

    Sheshi Nene Tereza, Ish-turizmi Apollonia ( godina e Universitetit Kristal )

    ATM Lushnje

    Lagjja Kongresi ( godina ne krah te bashkise )

    ATM Divjake

    Qender Divjake,

    ATM Lezhe

    Rr.Beselidhja,

    ATM Polican

    Qender, Polican,

    ATM Vlore

    Lagjja Lef Sallata ( rruga Qender -Skele,tek Conad )

    ATM Pogradec

    Lagjja Nr.1,Blv.Reshit Collaku( Kapri Center )

    ATM Shkoder

    Lagjja Qemal Stafa,Rr.13 Dhjetori( prane dyqanit Vodafon )


  • MasterCard DEBIT

      Debit Cards

    UBA

      General conditions

     

          Maintenance fee

    free of charge

          Change of the daily limit of card usage

    350 LEK

          Credit refund

    0.5% of the amount

          Unjustified disputed transaction

    2.000 Lek

          Unblocking a card

    300 Lek

      Issuing cards

     

         Standard issuing

    free of charge

         Card re-issuance for other reasons (stolen, lost, damaged ect.)

    500 LEK

         PIN re-issuance

    400 LEK

         Change PIN on ATM

    50 LEK

      ATM transactions

     

          Cash withdrawal

     

               From Bank’s ATM

    free of charge

               From other banks ATM in Albania

    200 Lek

          From ATM abroad

    2 % min 350 Lek

          Balance check-up  Union Bank

    free of charge

          Balance check-up  to other banks

    50 Lek

      POS transactions

     

                Purchases at POS

    Free of charge

                Purchases at POS abroad

    Free of charge

         Cash withdrawal in POS

     

                From POS terminals in ALBANIA

    2 % min 350 Lek

                From POS terminals abroad

    2 % min 350 Lek

      Limit

     

                Daily limits for withdraw  on ATM

    50,000 Lek/dite

                Daily limits to buy in Pos

    250,000 Lek/dite

                Daily limits to buy in Internet

    5,000 Lek/dite

  • What is Card Skimming?

    Card skimming is the copying of encoded information from the magnetic stripe of a legitimate card, making use of a card reader, for fraudulent purposes.
    Common types of Card Frauds are:
    ⦁    Lost/Stolen: unauthorized usage of a credit card as a result of it being lost or stolen
    ⦁    Counterfeit: duplicating legitimate credit cards which are then used for fraudulent activities. This includes skimming which is a duplication of the magnetic stripe
    ⦁    Card Not Present (CNP): unauthorized usage of credit card information for fraudulent activities over the internet, phone or mail

    How do fraudsters skim cards?

    Fraudsters use sophisticated devices to steal PIN and card information. These devices are small and concealed in the ATM, which may not be even noticed by the customer. The technique of a fraudster is to manage to manipulate the client during the transaction
     A card skimming device is placed over the card slot, copying the card information once the card is inserted into the ATM. A small camera directed to the keyboard is hidden to capture the PIN. With duplicate the information on the card, the fraudster create a new duplicate card and start making transactions by withdrawal all the funds that they can get from the account as soon as possible.

    Advice how to prevent the Card Skimming
    ⦁    Cover up the PIN: Always cover the keypad with one hand while keying in the PIN number. By protecting your PIN, criminals do not have access to your account when card information is compromised (this method is useful when transacting at an ATM or Point of Sale).
    ⦁    Do not accept assistance, guidance or allow anyone to interfere with your transaction - fraudsters sometimes pose as bank officials by offering assistance or interfering with your transaction.
    ⦁    Control your daily limits in ATM, POS & Internet limits - lower your daily ATM, POS & Internet limits if the limit is set at a level unrealistic to what you would usually spend.
    ⦁    Be observant of your surroundings when transacting at the ATM - Do not let people be around you at the moment of doing the ATM transaction.

Address

Adress: Rr. “Dritan Hoxha”,
Nd. 11, H. 3, Njesia Bashkiake Nr.7,
Postal Code 1023, PO Box 128,
Tirana,
E-mail: info@uba.com.al

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