Issuing credit cards is becoming increasingly popular. This is due to the fact that these products allow you to conveniently and quickly use borrowed funds. At Raiffeisenbank, every client will be able to obtain a plastic card without much difficulty and will always have a reliable financial assistant at hand.

How to get a credit card from Raiffeisenbank

Applying for a credit card from Raiffeisenbank is quite simple. To do this, you need to visit the company’s official website and submit an application. It should be noted that not every person can receive the product, since the financial company independently sets the criteria for providing the product.

In order to apply for a credit card, you must fill out an online application form. It must contain the following information:

• Personal data of the borrower;
• Series and number of the identity card;
• Information about the client’s place of employment;
• Registration address and actual place of residence;
• Length of work at last place of employment;
• Additional information about existing debts, the number of dependents or other obligations of the borrower.

After filling out the questionnaire, it must be sent to credit experts for review. The decision to provide the product is made fairly quickly. Upon receiving an affirmative response from the bank, the credit manager will contact the person and specify the date of the visit to Raffiisenbank to receive a credit card and the list of documents required for this.

Usually, in order to get a credit card, a person only needs to present an identity card and a certificate confirming the level of income in the form of personal income tax-2.

Depending on the amount of the desired credit limit, the financial institution has the right to request additional papers. After reviewing the provided package of documents, the credit expert will make a decision on the size of the loan maximum and develop an optimal program for providing borrowed funds.

If a person has additional sources of income, then he must provide a completed tax return.

How to activate a credit card from Raiffeisenbank

Activating a Raiffeisenbank credit card online is a little more complicated than a debit card.

The card is provided to the consumer unactivated. In order to begin full use of the payment product, it is necessary to carry out the procedure for its activation.

There are several ways to activate a credit card from Raiffeisenbank:

• If the consumer is not in a hurry, then he can wait for the automatic activation of the payment instrument, which will occur within 24 hours;
• You can also activate a payment product by using an ATM. To do this, you need to enter an individual, four-digit PIN code and check the balance status;
• Use the information kiosk. To do this, you need to enter a PIN code and check your balance;
• You can activate a financial instrument by calling the customer support service. In this case, it is necessary to inform the call center employee information about the borrower and the details of the activated card;
• You can activate a credit card from Raffisenbank via the Internet. To do this, you need to log into the Internet bank and contact employees of the financial institution so that they can provide detailed instructions.

The activation method is chosen by the consumer independently. When presenting an envelope with a credit card, it will contain an individual four-digit PIN code, which must be kept secret and not disclosed to unauthorized persons, including bank managers. If you keep your PIN secret, then third parties will not be able to use your funds.

A credit card from Raiffeisenbank is a convenient payment instrument, thanks to which the client will be able to forget about financial difficulties, because the necessary amount will always be at hand. To apply for a Raiffeisenbank credit card online, you need to use one of the methods described above.

Today, cards are gaining popularity because they are simple and easy to use. You no longer need to think about how much money you need to take with you to the store.

Your money will always be with you, and most importantly, it is protected and in a safe place. But, it is important to remember that in order to start using Raiffeisenbank cards, you need to activate it. We will tell you exactly how to do this in this article.

As mentioned earlier, before you start using a credit card, you need to activate the card and make it active. First, you need to figure out what kind of card you have - a debit or a credit, so the activation methods are slightly different.

To activate a debit card, you must use an ATM that has this function, or do it manually using the Internet.

How to activate a Raiffeisen credit card?

A credit card, like a debit card, also needs to be activated. There are several ways, namely:

1. Through an ATM.
2. Using an information kiosk.
3. On the Internet, on the official website of the bank.
4. Through the customer service hotline.

How to activate a Raiffeisen salary card?

When receiving a salary card, the activation method is carried out using the same methods as for other types of cards. You can choose one of the most convenient methods for you or wait for this function to start automatically.

What problems may arise when withdrawing money abroad?

When traveling abroad, you may encounter some problems. Therefore, before you leave, you need to warn the bank about your plans. The problem is that to enhance protection, the bank has installed protection and it may be impossible to withdraw funds. If there are several unsuccessful attempts, it will be blocked.

Conclusion

In the end, it is worth noting that when using plastic cards you should be careful and avoid making stupid mistakes that could ruin your enjoyment of using them.

The Raiffeisen card PIN is confidential information available exclusively to the cardholder. If the 4-digit secret code received from the bank is too difficult to remember, you can change it.

How to change your PIN if you forgot it

You may need to change the combination of numbers contained in the received card PIN code in two cases:

• Forgot and want to restore your PIN without re-issuing the card;
• Remember the combination, but it seems inconvenient for regular use.

To the question of how to find out the PIN code of a Raiffeisen bank card if you have forgotten it, there used to be only one answer - look at the numbers in the envelope issued by the bank to the card owner. Let us remind you that if you lose an envelope, you will not be able to find out your PIN code at the bank; employees do not have access to information regarding clients’ PIN codes.

Today, Raiffeisen card holders create a PIN code independently upon receipt, using the following methods:

• In the Teleinfo system;
• Via PIN pad installed in Raiffeisen branches.

If you have forgotten your Raiffeisen card PIN, you need to go to a bank branch with your card and passport to change it through the PIN pad system.

Rules for using the card secret code

To create, use and store a card PIN code, Raiffeisen recommends using the following rules:

• Do not use a combination of identical or consecutive numbers to create a PIN code;
• Change your PIN code via an ATM or PIN pad at least once a month;
• Do not store the PIN code with the card or in the phone’s memory, and never enter it on the Internet;
• Enter the PIN code in such a way that strangers cannot see it.

Conclusion

Raiffeisen card PIN code is information that should be known exclusively to the owner. If the PIN code is lost and there is no way to find it, change the combination of numbers at the ATM to a more convenient one.

Among the rather large list of Raiffeisenbank services, one should highlight such a product as cards. The bank issues debit and credit cards. Raiffeisenbank cards are distinguished by high security against attacks by fraudsters.

The safety of clients' funds is high on the bank's list of priorities. The bank's security system meets international standards and includes many protection techniques. One of these ways to protect clients’ funds is to partially block the card from the moment it is issued until it is delivered to the client. At the moment, there are several ways to unlock the card.

1. If you are not in a hurry, you can simply wait for automatic activation within 24 hours.
2. The card can be activated through an ATM by entering the PIN code and checking the account status.
3. Check your account status at the information kiosk after entering your PIN code.
4. Check the status of the card account at the bank's cash desk after entering the PIN code.
5. By calling the technical support service at the numbers indicated on the back of the card.

The choice of method is entirely up to you. The PIN code is given to you along with the card and the card account agreement in an envelope. The PIN code should not be disclosed to unauthorized persons, including bank employees, as the safety of your funds depends on this.

Most citizens may not know that after registering a debit or credit card at Raiffeisenbank, it must be activated.

Many new clients receive maximum useful information from a bank consultant when the contract itself is signed.

After presenting a plastic card linked to a bank account, the employee is obliged to help with activating the card and setting a PIN code.

If this does not happen for some reason, the client will have to activate it independently using one of the proposed methods.

Today we’ll look at what activation methods experts offer, which can be done either independently or with the help of employees of one of the bank’s branches.

Problem with withdrawing money abroad

This problem occurs in cases where the client travels abroad and cannot cash out his funds either from a credit account or even from a debit account.

The point here is not even about activating the card (for those who have just received the card), but about the fact that you need to warn the bank about your intentions to visit other countries.

The fact is that the bank has implemented several stages of protecting plastic cards. The security system constantly analyzes activity on the bank account and, if any suspicions arise, it can temporarily block the card to prevent fraudsters from stealing funds.

In some cases, the system may react and block the account if someone tries to cash out the card in an unusual place (in this case, in another country).

To do this, in the bank account management menu, you will need to go to the settings menu for the desired card (the one that the client plans to take with him on a trip) and check the box next to the “Do not block abroad” item.

This solution will help you avoid ridiculous situations in which you will need to contact bank employees and ask why they blocked the account. This will also save you money because calling from a mobile phone in another country is not very cheap.

How can I quickly activate my card?

For those clients who skipped the activation step when signing an agreement with the bank, there is an excellent option to do everything yourself without having to visit the nearest bank branch.

Developers of additional services from Raiffeisenbank offer in such cases to use a specialized application form for card activation.

In this case, it is proposed to use the official Raiffeisenbank website, where card activation is absolutely free.

To go to it, you need to go to the “Services” tab from the main page. Among all the available online functions, you will need to select the section “Card activation, assignment/change of PIN code”.

Then the user will be presented with a form in which he will need to enter the details of the card that needs to be activated.

After filling out all the data, you will need to agree to the provision of the service by checking the appropriate box (located at the bottom of the drawn questionnaire card).

In the future you will need to follow the system instructions. After completing all the steps, the card can be used freely without additional restrictions according to the terms of the tariff package.

As you can see, using this service you can change the PIN code for the card, if necessary.

If you don’t want to do everything yourself, welcome to the bank

In most cases, clients prefer to solve such problems through bank consultants. This is logical, because it is their responsibility and failure to fulfill their obligations should not take away the client’s time to solve the problem.

The main thing to remember is that working with bank staff may take some time. To find the nearest bank office, it is recommended to use another service from Raiffeisen developers - online maps of all branches and ATMs.

It is located on the main page and it will be very difficult not to notice the “ATMs” and “Offices” buttons.

After clicking on one of them, the user will see a current map of the specified city with markings in the form of icons. Next to each of them there will be a signature (for example, an ATM or an office) indicating its work schedule and the average workload in a given period of time.

After using the service, you will need to go with the card to the nearest branch. There you will need to find a consultant and ask him for help with activation.

In some cases, an employee may ask to see a passport to identify the client, so it is better to take it with you too.

It is important to note that activation of a Raiffeisenbank credit card occurs under the same conditions as a debit card. Therefore, there is no need to separately look for any additional methods.

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