Borrowing money

MasterCard Classic card

To pay anywhere in the world, just enter your PIN or sign! You can also withdraw any cash you need in Belgium and abroad.

What is the MasterCard Classic card?

MasterCard Classic is a credit card that you can use for all your purchases in Belgium and abroad. The card also allows you to use most of the ATMs worldwide.

Advantages

  • Convenient payment method: anywhere in the world, including on line.
  • Full spending details: a monthly statement sent to your home and the possibility of monitoring daily expenditure using PC banking
  • No charges for payments
  • Flexibility: the possibility of repaying your spending at your own pace.
 

Are you going to the US? Limitations concerning your credit card.

 

Activate online

 

Get full details

Using your MasterCard Classic card is often the best way to pay. Bank Card Company, which manages Visa in Belgium, constantly offers reductions on travel, cultural events and purchases from major retail chains..

 

Register now for the newsletter (FR) (NL) to keep informed about the latest reductions!

Cash withdrawals: which ATMs?

You can use your MasterCard Classic card all over the world at any ATM displaying the MasterCard logo.

 

PC and Internet

PC banking, with its security module and 3D-Secure protection system(*), allows you to shop securely on line.

What's more, PC banking lets you monitor how much you have spent with your MasterCard Classic card each day. Checking your balance is simplicity itself.

 

(*) 3D-Secure: a reliable system that allows you to make secure payments over the Internet with a Visa, MasterCard or BNP Paribas Fortis bank card. This system uses the PC banking card reader to ensure that your transactions are secure. This means that you can pay for your Internet shopping with total peace of mind.

  • When you use your MasterCard, you do not pay immediately. You will receive a bill some three weeks after the payment is made and it is at this point that you actually pay, without incurring any interest.
  • You can also spread repayment of your expenditure. By opting for Optiline(*), you can repay the amount that suits you best. You must repay every month at least 5% of your expenditure, the minimum being EUR 25 (unless, of course, you have less than EUR 25 to repay).

 

You can repay more, and even the total outstanding balance, if your budget allows. This allows you to manage your budget efficiently throughout the year.

 

(*) Optiline: Type of loan: overdraft. Subject to approval of your application by Alpha Crédit SA/NV, lender, Rue Ravenstein/Ravensteinstraat 60, B-1000 Brussels, Brussels Register of Companies, VAT BE 0445.781.316. Delegated agent: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702.


 

MasterCard Classic is strictly personal. Make sure you follow these tips:

  • Always keep your credit card with you or in a safe place.
  • As soon as you receive your credit card, sign it on the back to avoid a potential thief doing it for you.
  • Keep your PIN secret: never share it with someone else and do not write it down anywhere. You can change the PIN for your MasterCard Classic card to a number that is easy for you to remember. You can do this at any ATM in Belgium.
  • Destroy any cards you no longer need or which have expired.
  • Make sure no one is watching when you enter your PIN.
  • Keep your receipts as proof of your cash withdrawals and payments. Check your payment and card statements regularly using PC banking. If you notice something wrong, contact your bank immediately.
  • Keep an eye on your card when you pay for something in a shop.
  • Remember to retrieve your MasterCard Classic card when you have finished paying.
  • What if your card is swallowed by a cash dispenser? Get it blocked as soon as possible.
  • When you are abroad, always check the amount and currency on the document or voucher before validating the transaction. Do not validate the transaction if the price is not right.

Who is my credit card issuer?

 

Mastercard issued by ATOS Worldline

  • Call Card Stop immediately on +32 (0)70 344 344 to prevent fraud. Card Stop is available 24 hours a day, 7 days a week.
  • Report the loss or theft of your card to the police within 24 hours.
  • Card Stop will automatically order a new card for you when your previous card is frozen.
  • You will be notified when your new card is ready. (Normally within 5 bank business days.)
  • Your new card must be collected from your branch.

 

Mastercard issued by ICS

  • You should preferably call the emergency number of ICS -on +32 (0)2 416 16 16 (24/24 – 7/7) or call Card Stop on +32 (0)70 344 344 (24/24 – 7/7) to prevent fraud.
  • Report the loss or theft of your card to the police within 24 hours.
  • A new card will be ordered automatically.
  • Your new card will be sent to your home address (normally within 5 bank business days).

 

Eligibility

To obtain a MasterCard Classic card, you must meet the following criteria:

 

Be the holder or joint holder of a BNP Paribas Fortis Current Account.

Be aged 18 or older.

 

If you are not yet 18, you may be eligible, under certain conditions, for a card, which will be linked to your parents' current account.

 

Monthly service charge

 

Premium PackComfort PackHello 4 YouOther account
all cards included

all cards EUR 0.92 (i.e. half the normal price)

  first card free for first year*  First card: 3,83 EUR
   

  From the second year, you pay half until you reach 25: EUR 0.92

Next card: EUR 0.92

  Next card: 1,83 EUR

 

The MasterCard Classic card is not issued to young people under age 18.
 
*If your 25th birthday falls during this first year, you will not pay anything until you reach the actual age of 25.

 

Transaction charges

 

  • Transaction charges for ATM cash withdrawals:
    • Belgium and the eurozone
      1% of the amount withdrawn, the minimum being EUR 5.
    • Outside the eurozone

      Processing charges: 3.5% of the amount withdrawn, the minimum being EUR 5.

      Foreign exchange costs: 1,60 %.

 

  • Transaction charge for store purchases:
    • Belgium and the eurozone
      No charges.
    • Outside the eurozone
      Foreign exchange costs: 1,60%.

 

Spending limits

    Cash withdrawals at ATMs

 

Cards issued by BCC:EUR 620 over 4 days

 

    Monthly expenditure limit for cash withdrawals and payments

 

Cards issued by BCC :EUR 2,500 per month

 

  • PC banking, with its security module and 3D-Secureprotection system(*), allows you to shop securely on line.
  • What is more, PC banking allows you to monitor how much you have spent with your MasterCard Classic card each day. Checking your balance is simplicity itself.

 

(*) 3D-Secure: a reliable system that allows you to make secure payments over the Internet with a Visa, MasterCard or BNP Paribas Fortis bank card. This system uses the PC banking card reader to ensure that your transactions are secure. This means that you can pay for your Internet shopping with total peace of mind.

Premium PackComfort Pack +18 Youngsters Account
Covers all cards All cards: EUR 0.92

1st card, 1st year: free*

 

From the 2nd year, you pay half until you reach 25: EUR 0.92

 

Next card: EUR 0.92

 

The MasterCard Classic card is not issued to young people under age 18.
 

*If your 25th birthday falls during this first year, you will not pay anything until you reach the effective age of 25.



 

  • Transaction charges for ATM cash withdrawals:
    • Belgium and eurozone:
      1% of the amount withdrawn, the minimum being EUR 5.
    • Outside the eurozone

      Processing charges: 3.5% of the amount withdrawn, the minimum being EUR 5.  
      Foreign exchange costs: 1,60 %.  

 

  • Transaction charge for store purchases:
    • Belgium and the eurozone
      No charge
    • Outside the eurozone
      Foreign exchange costs: 1,60 %.  

Using your MasterCard Classic card is often the best way to pay. Bank Card Company, which manages Visa in Belgium, constantly offers reductions on travel, cultural events and purchases from major retail chains..

 

Register now for the newsletter to keep informed about the latest reductions!

 

 

 

In order to be able to use Visa or MasterCard credit cards in the US, at American car rental companies, or during cruises sailing under an American flag, you will be required from 15 January 2014 to activate your card in advance for use in the US.

 

Why this stricter security?

In the US, at American car rental companies or during cruises sailing under an American flag, the magnetic strip on the back of the credit card is used.

In Europe, we rely on the much safer PIN code to protect card payments. The result is that the majority of credit card fraud takes place in the US.

 

In order to protect your card against fraud, it will default from 15 January 2014 to 'not for use in the US, at American car rental companies or on cruises sailing under the American flag'.

 

This restriction does not apply:

    • to payments by credit card over the internet. You can therefore use your card without any problem at American webshops such as iTunes, Amazon.com etc.;
    • to the use of cards at ATMs in the US.

 

When am I required to activate my card?

    • if you travel to the U.S. as a tourist or for business;
    • if you are going on a cruise, even if it does not go into American waters. Many cruise ships sail under the American flag;
    • if you rent a car, even in Europe. Many car rental companies such as Avis, Hertz etc. are American, and clear their card payments via America.

 

Enabling your credit card for use in the US is extremely easy

Your card can be activated in advance (our recommendation) or after arrival in the US.

  • Before you leave
    Ask us to activate your card for use in the US over the next 3 months. This can be done free of charge up to 1 business day before you leave:
    • by appointment at your branch;
    • by calling +32 (0)2 261 11 11 (Mon - Fri: 7am - 10pm; Sat: 9am - 5pm);
    • using the special application form if you have a PC banking contract.
  • After you arrive in the US.
    You can still activate your card. To do this, you must first request a cash withdrawal at an ATM using your credit card (PIN transaction).
    Please note: for a cash withdrawal by credit card you will pay a charge of 4 euros.

 

General Terms and Conditions valid until 14/04/2014 (pdf) General Terms and Conditions valid from 15/04/2014 (pdf)MasterCard website Precontractual information (pdf)


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