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Debit

Debit cards are a means of payment issued by a banking institution to an individual who holds a bank account. Transactions involving the card are immediately charged to the associated bank account.

Strictly speaking, the transaction limit of the debit card should be the available balance in the account against which the card is charged. However, for security reasons a maximum daily transaction limit is imposed.

Sistema 4B offers the following products:

  • 4B Mastercard
  • 4B MasterCard  Europ-Assistance  card
  • VISA 4B card

4B Mastercard

This is a 4B debit card, i.e. transactions are charged immediately against the bank account. This card is issued co-branded with Mastercard to allow it to be used worldwide at all cash dispensers or establishments displaying the Mastercard logo.

The 4B Mastercard debit card has the cardholder's name and the expiry details embossed or marked in relief on it. This means it can be accepted at points of sale that are not equipped with electronic terminals.

Services:

  • Cash withdrawals worldwide in local currencies. 

And from the TELEBANCO 4B network:

  • Bank account balance and transaction queries.  
  • Paying in of cash and cheques.  
  • Transfers between accounts.  
  • Contracting Europ Assistance services.  
  • Bill payments.  
  • Transfers between accounts.  
  • Change of PIN.  
  • Other queries (foreign currency rates, investment funds, etc.)
  • Specific issuing-bank services.
  • Changing the cash dispenser's language for communication with the customer.

Scope of use:

  • Telebanco 4B network.
  • National network of Servired and 6000 cash dispensers.
  • International network of MasterCard – Cirrus cash dispensers
  • Telepago 4B network.   
  • National network of sales terminals.
  • International MasterCard network (over 25 million establishments around the world).

Insurance and benefits:

Use of the 4B-MasterCard, whether at cash dispensers and point-of-sale terminals, incorporates the insurance, additional and personalised services each 4B issuing bank has established for its cards, such as discounts when contracting Multi-assistance services, special conditions for young people, etc.

4B Mastercard Europe-Assistance card

This is a 4B MasterCard Affinity card, which means it has all the intrinsic advantages of the standard 4B MasterCard card but also includes a breakdown service for one cardholder and two vehicles. The cardholder has a bank card and breakdown insurance all in a single document. The low issue fee makes this economically attractive compared to other similar products existing on the market.

Services:

  • The same as provided with a 4B MasterCard.   

Scope of use:

When used as a bank card it is a 4B MasterCard, and offers the same features as regards scope of use.

As an insurance policy, the cover is that given by Europ Assistance, and extends nationwide, right from the cardholder's home address.

Insurance and benefits:

In addition to the benefits of a 4B Mastercard this includes:

  • Towing of the vehicle.   
  • Vehicle repairs.   
  • Search for parts.   
  • Vehicle custody and sending a driver.   
  • Transport of the sick or injured.   
  • Transport of occupants in the event of the vehicle's being immobilised.   
  • Travel for a member of the family.   
  • Transport in the event of death.   
  • Accompanying children.   
  • Up to five days' accommodation in a hotel.   
  • Family assistance and sending of urgent messages.  

If you require more information, please contact any bank belonging to Sistema 4B.

4B Visa Card

This is a 4B debit card, i.e. transactions are charged immediately against the bank account. This card is issued co-branded with VISA to allow it to be used worldwide at all cash dispensers or establishments displaying the VISA logo.

Services:

  • Worldwide cash withdrawals in local currencies.  

And from the TELEBANCO 4B network:

  • Bank account balance and transaction queries.   
  • Paying in of cash and cheques.   
  • Transfers between accounts.   
  • Contracting Europ Assistance services.  
  • Bill payments.   
  • Transfers between accounts.   
  • Change of PIN.   
  • Other queries (foreign currency rates, investment funds, etc.)
  • Specific issuing bank services.
  • Changing the cash dispenser's language for communication with the customer.  

Scope of use:

  • Telebanco 4B network.
  • National network of Servired and 6000 cash dispensers.
  • International network of VISA cash dispensers
  • Telepago 4B network.    
  • National network of sales terminals.
  • International VISA network.

Insurance and benefits:

Use of the VISA 4B card, whether at cash dispensers and point-of-sale terminals, incorporates the insurance, and additional and personalised services each 4B issuing bank has established for its cards.

If you require more information, please contact any bank belonging to Sistema 4B.

 

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