Cards

General Info
Advices
ATM Network
Terms and Conditions
Card Security

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.

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