DinaCard

DinaCard is a domestic, national payment card that can be used for paying goods and services and for withdrawing cash. In Serbia DinaCard can be used for paying goods and services in all the retail stores with DinaCard sign on them, and for withdrawing cash at all ATMs and window tellers displaying this sign. If you travel often and wish to use your card abroad, address your card issuing bank with the request for issuance of DinaCard intended for international use. You will be able to use that card abroad as well, in retail stores and ATMs displaying the signs of acquiring networks Discover, Diners or Pulse.

Natural persons and legal entities can be DinaCard cards holders. Cards intended for natural persons are tied to the holder’s account with the issuing bank – current account, credit account and alike, while the cards for legal entities are business cards and are tied to legal entity’s or entrepreneur’s account. A single legal entity may have several business cards tied to its account, each of them in the name of the employee using the card.

Two basic DinaCard products are debit and credit cards, and in addition to these two, there are specific cards, such as co-branded cards, prepaid cards or virtual cards intended for online use solely, use by mobile phones or in some other way, without the physical presence of the card at the place of transaction.

In addition to the main function of paying for goods and services in retail stores and withdrawing cash, DinaCard holders have additional services at their disposal in the form of making payments via mobile phone and via the internet.

DinaCard payment card can be used for paying directly at the counters of the Treasury Administration of the Ministry of Finance, at no additional fee charged for card payments.

Property tax, annual personal income tax, motor vehicles sales tax, contributions for mandatory social insurance for agricultural workers and tax on personal income from agriculture and forestry can be paid at no charge, at the counters of the Treasury Administration.

Please visit our website regularly so that you are always up to date on the benefits available to DinaCard holders.

Debit and credit cards

Debit DinaCard cards enable cardholders to pay for goods and services and withdraw cash at ATMs and teller windows in the DinaCard system, up to the amount of funds on their payment accounts including the approved overdrafts. The card is linked to a cardholder's current account and is most often issued free of charge within standard bank service packages.

Credit cards enable the use of funds whereby the card issuer credits the cardholders, according to the contract previously signed by both sides. Credit cards allow deferred payment in several instalments, and are therefore especially suitable for larger purchases. During the crediting period, issuers charge interest to cardholders, according to the contract signed with the cardholder. There are several types of credit cards in the DinaCard system differing in the manner of debt repayment, the most frequent being:

Revolving credit cards

Revolving credit card entails monthly repayment of the contracted percentage of the debt incurred by the calculation date. The pace of repayment (percentage of debt being paid off) is agreed between the cardholder and the issuer, and it is usually 10-30% of the total card debt, and some card issuers even offer the repayment of 5% of the debt at monthly level. However, one should bear in mind that the lower the percentage of debt repayment, the longer the repayment period, and hence the higher the total amount of interest to be paid off eventually. The convenience of this card is the possibility for the cardholder to repay a higher amount of the debt, or even the entire amount at once, at any moment, opening the possibility to significantly reduce the total interest payable, but also the possibility of a new credit up to the entire amount of the credit limit. The amount of the extended credit limit is determined by the issuer in line with the financial possibilities of the card holder, current regulations and its business policy.

Charge credit cards

With Charge type of credit card, outstanding card debt is usually paid once a month, i.e. within the calculation period defined by the issuer, usually 30 days. At the end of this period, the issuer informs the cardholder about the amount of outstanding card debt, and the deadline for payment. Simply put, once a month the issuer informs the cardholder on the balance of their credit card, including all purchases during the previous month, and the deadline for payment. The calculation period and interest depend on the contract signed by the cardholder and the issuer.

Instalment cards

With this credit card, the outstanding debt is paid off in equal monthly instalments. There are different options for debt repayment, the two most frequent being as follows – either the card holder, when signing the contract with the issuer, decides on the number of monthly instalments for every purchase, or the amount of purchase is determinant of the number of instalments. During the credit period, the card holder is charged an interest in line with the contract signed by the card holder and the issuer.

Prepaid cards

Prepaid card is a payment card which implies money loaded onto the card in advance, which is then at the disposal of the card holder. Depending on the purpose and the type of the prepaid card, it can be used for cash withdrawal and/or purchase of goods and services in all retail stores, at teller windows and ATMs which have a DinaCard sign on them. Prepaid card works as a debit card, which means that cardholders can use funds up to the amount of funds available on their prepaid accounts. Prepaid cards are an extremely attractive product, and the usual types of this product are gift cards, cards for minors, travel cards, tourist cards, etc. Some types of prepaid cards are issued for single use – used until all funds on them have been spent, whereas other types can have a prolonged usage and can be topped up once the funds on them have been spent.

Alternative payment channels

DinaCard holders may use mobile phones and the internet, as alternative payment channels.

All holders of debit, credit and business Dina cards may use their cards for payments on domestic websites of all retailers which have listed the national payment card as a payment option. The purchase process implies the selection of a service or a good by the card holder, after which the card holder is redirected to the payment page. The payment page must contain detailed terms of purchase and the total amount to be paid, and we urge all users to make note of any additional charges, such as shipping costs.

Once you have selected the payment method (payment card), you are required to enter the name and the surname printed on the card, as well as card number and validity date, and the three-digit code printed on the back of the card, on the signature strip. If the goods (or services) are to be delivered to your home address, delivery data should also be provided. Once the transaction is confirmed, a confirmation of payment will be displayed on the screen and the card holder’s account debited for the corresponding amount. If, for some reason, the retailer is unable to make the delivery, it is under obligation to cancel the transaction and return the money to the buyer.

The list of retailers on whose websites buyers can pay with the national payment card is constantly growing, therefore we invite all card holders to visit our website regularly. In order to be better informed about the rules for the safe use of cards for online purchases, please go to Q&A .

The mobile phone payment service is a convenient solution for topping up one’s own or somebody else’s prepaid credit or for paying one’s own or somebody else’s bill. Card holders can now settle their bills for mobile phones, landline telephony bills (and related services) as well as the bills of Objedinjena naplata in Niš, and the intention is to extend this service to other bills, primarily electricity and utilities bills in other towns across Serbia. The mobile phone payment service can be used by both prepaid and postpaid users who are at the same time Dina card holders, and it is available in roaming, too. The only condition for using this service is card holder registration by the card issuing bank. DinaCard payment service via mobile phone is currently available for users of the Mobile Telephony of Serbia network.

If you are using DinaCard and wish to register for mobile phone payment service, contact you bank for more details. After registration, you will receive your mPIN in a text message, which is a code you will use in the future to confirm each payment transaction via mobile phone. mPIN (as well as PIN you received with the card from your bank) should not be revealed to anyone. Mobile phone payment transactions have daily and monthly limits.

The procedure for initiating the top-up of prepaid credit or bill payment is very simple – send a text message to an appropriate short number; after that you will receive a request to confirm the transaction with your mPIN and finally a confirmation message informing you that the transaction has been successful. You will receive a detailed Instruction on the mobile phone payment in the DinaCard network from your card issuer. Credit top-up transaction or payment of bills can also be done using application m:pay Mobile telephony of Serbia.

Security

DinaCard holders may use mobile phones and the internet, as alternative payment channels.

DinaCard is a means of payment and is used and kept accordingly. It can be used solely by the person whose name is printed on the card, except in cases of special types of cards, such as prepaid gift cards, when the cardholder’s name is not printed on the card.

After receiving the envelope with the PIN code, cardholders should memorise this number. Only the cardholder should know the PIN code, and they must not share it with anybody else, in order to be protected against unauthorised card usage. It is particularly important to stress that the PIN code should under no circumstances be written down on the card or kept together with the card (e.g. in the wallet), as this increases the possibility of unauthorised use. It is also recommended to cover the keyboard with your hand when entering the PIN code in order to draw cash at the ATM.

If your DinaCard is stolen or lost, you should report it to the card issuer as soon as possible. The issuer will immediately block the card, thus eliminating the possibility of unauthorised use. The cardholder bears the risk of potential abuses occurring until the moment of card theft/loss report, up to the amount defined by current regulations. If the card that was reported as stolen/lost is later found, it cannot be used, but must be returned to the issuer.

DinaCard payment cards are issued in accordance with the latest technology (chip or EMV technology) which ensures maximum security of electronic payments – practically, it prevents any copying or unauthorised use of information on the chip, which means more secure payments for cardholders using the national card.