Step 1: Fill in the mobile application your personal details and shipping address.
Step 2: Prove your identity.
Step 3: Get confirmation that you are registered as a client*.
Step 4: At this point you'll be able to top up your BCC account and use your Virtual BCC.
Step 5: After a few days, you’ll receive your BCC Mastercard by post.
*If you meet our minimum trustworthiness criteria.
In order to open BCC account you need to be at least 18 years old. But an additional card can be issued without age limit.
Currently BCC accounts are opened in one currency - EUR.
As a financial institution, we must follow the “Know Your Customer” procedures. Therefore, during registration in mobile application, you scan an identity document (passport), as well as make a "selfie".
It is account established by us in your name. Account is used for the processing of transactions from linked BCC, as well as for execution of payment transactions.
BCC accounts are opened in one currency - EUR.
You can find your IBAN in BCC account statement or in the mobile application: money - top up account - account for top up.
Following your initiative, the BCC account shall be closed within 1 (one) month of receipt of your written notice in accordance with the procedure set by us.
More detailed information regarding account and card closure you can find in General terms and conditions
The most common reasons for an account balance going negative are using your card where online authorization is not requested, or because a request for payment has been delayed.
Yes, you can! Account statements are available in mobile application and Internet bank, as well as you may check the balance and available funds on BCC account or view a statement of recent transactions in the mobile application and Internet bank.
Any incoming transfers will be returned to the account of sender.
Before receiving a plastic BCC, you will be able to see all of data of a BCC account and a virtual BCC in the mobile application. Virtual card and BCC account are active and can be used immediately after successful registration.
An incoming payment will not increase the balance until it is credited to your BCC account.
The statement could be found in the mobile application at History section
In rare cases, the amount of your purchases may exceed the available balance on the BCC account. This happens if the store due to the peculiarities of its work did not check the available balance on your BCC. You need to replenish your BCC account to close this negative balance. After that BCC will work as usual.
You can check your transactions and BCC account balance 24/7 - 365 days of the year using themobile application or Internet bank.
Natural persons who are or have been entrusted with prominent public functions, other than middle ranking or more junior officials. For more information, see General terms and conditions.
PEP family member or/ and person known to be close associates to PEP
To fulfill our obligations under the Prevention of Money Laundering and Funding of Terrorism Regulations.
Any information about personal or factual circumstances of a specific or identifiable natural person, such as e.g. name and surname, date of birth, place of birth, identification document (including type of identification document, issue date, ID number, issuing authority), address, telephone number, mobile number, e-mail address, IP address, online identifier, location data, images and information on transactions and accounts.
General Data Protection Regulation (GDPR) 2016/679 is a regulation in EU law on data protection and privacy for all individuals within the European Union (EU) and the European Economic Area (EEA). The GDPR aims primarily to give control to citizens and residents over their personal data and to simplify the regulatory environment for international business by unifying the regulation within the EU.
We collect, use and processing your personal data in accordance with Data protection policy.
We use reasonable measures to help keeping information secure, and to help preventing it from becoming disclosed to persons who are not described in Data protection policy.
Personal Identification Number (PIN) is a numeric code consisting of four digits. We issue card PIN to you together with the plastic Black Cat Card (BCC) for confirming transactions in ATMs and POS terminals.
Do not share this information with anyone.
or security reasons, your card PIN is blocked after 3 incorrect entry attempts. Contact our support team so we can help you. Our support team will also give instructions for further actions concerning your card.
You can view it yourself on the mobile application at the Money section. Click on the picture of the card on which you want to see the data and then on Show card data.
This is a digital code, you will invent yourself. It will protects your mobile application from unauthorized use.
Yes, you can change it yourself on the mobile application in the section Settings.
No you can not. The mobile application PIN is used for application only. Use the card PIN to withdraw cash from an ATM or when making purchases.
No, they are different. You invent yourself the application PIN, it protects your mobile application. The card PIN is automatically generated by the system, it is displayed on the mobile application in the section Money and you use it for purchases and cash withdrawals at ATMs.
Security feature of the card consisting of 3 digits and is located on the back of the card within the signature area.
CVC2 is additional security measures for online purchases.
Do not share this information with anyone.
Yes.
Your funds shall be deposited in a bank account, separated from our account, in a credit institution domiciled in a reputable jurisdiction.
So in the unlikely event of any insolvency, funds that have reached your BCC account will be protected against claims by our creditors.
This is an additional level of security when shopping with your BCC on the Internet.
3D Secure protects you from online card fraud.To perform authorization of a transaction made using BCC on the Internet where the vendor ensures secure authentication (3-D secure), you shall make additional authorization by confirming such transactions with one-time password derived from us.
It’s automatically activated when you activate your card in the mobile application. No additional passwords are required.
You need to verify your identity in order to use your BCC account. This policy is in line with a banking regulation commonly known as 'Know Your Customer’ (KYC) and is the process of a business verifying the identity of its clients. It is simply an anti-corruption and fraud measure.
If you believe that your card has been used without your permission, please block the card immediately within the mobile application. Then contact our support team so they can help you.
Never share your mobile application passcode with anyone.Use an email address that only you are using and have access to.Never give your full card number, expiry date, card PIN or CVC2 number to anyone, as this is your way to authorise online payments.
You can block and unblock your BCC at any time in the mobile application: go to the "Money" section, select the card you need and use the "Block card" button (at the bottom of the screen). You should immediately block your BCC if the card has been lost or stolen, or you suspect that the data of BCC has become known to unauthorized persons. You can later unlock BCC if your suspicions are not confirmed.
Please block BCC immediately in the mobile application. If you later find the card and are sure that no unauthorized persons have used it, then unblock the card yourself in the mobile application. If you are sure that BCC has been stolen or lost, contact our support team.
It is prepaid debit card of MasterCard issued by us to you, which may be in the form of a plastic card or virtual card.
The use of virtual BCC is limited to online purchases.
BCC may be used to pay for goods and services at participating retailers and online that accept Mastercard cards.
Virtual BCC is designed for online purchases only.
Plastic BCC is designed for use in shops and retail locations where you are physically present. It is possible also to use it for cash withdrawal.
Your card expires on the last day of the month, which is printed on the front of the card.
You can change your daily and monthly limits in the mobile application. Just go to the "Money" section, select the card you need, select the limit type (daily, monthly), thуn change the amount and confirm your limit change.
You can block and unblock your BCC at any time in the mobile application: go to the "Money" section, select the card you need and use the "Block card" button (at the bottom of the screen). You should immediately block your BCC if the card has been lost or stolen, or you suspect that the data of BCC has become known to unauthorized persons. You can later unlock BCC if your suspicions are not confirmed.
You've had insufficient funds, input wrong card details (expiry date, CVC), or used an expired card.
If you haven't received your card within the specified period, contact us via chat.
Please block BCC immediately in the mobile application. If you later find the card and are sure that no unauthorized persons have used it, then unblock the card yourself in the mobile application. If you are sure that BCC has been stolen or lost, contact our support team.
Before receiving a plastic BCC, you will be able to see all of data of a BCC account and a virtual BCC in the mobile application. Virtual card and BCC account are active and can be used immediately after successful registration.
For security reasons all card payments are blocked when the card PIN is entered incorrectly 3 times. Contact our support team so we can help you.
Yes.
BCC is valid until the last day stated on the plastic card (inclusive).
Information of validity of virtual BCC you can find using remote access tool(mobile application).
We open BCC account in IBAN format and, by default, link your BCC to this account. You can use BCC account to make payments.
It is a non-physical card linked to the BCC account. The virtual BCC number matches the plastic BCC number.
During registration in the mobile application, you scan the original of an identity document (passport).
If you haven't received your card within the specified period, contact us via chat.
Yes.
If you haven't received your card within the specified period, contact us via chat.
To use your plastic BCC, you’ll need to activate it first. You can only do this in the mobile application. Just go to Activate Card and select Start Activation
We don’t send you a card PIN via post. Information about card PIN you can see in the mobile application.
Go to Show Card Data
Yes, in the mobile application.
If you believe that your BCC has been used without your permission, please block the card immediately within the mobile application. Then contact our support team so they can help you.
The most common reasons for an account balance going negative are using your card where online authorization is not requested, or because a request for payment has been delayed.
or security reasons, your card PIN is blocked after 3 incorrect entry attempts. Contact our support team so we can help you. Our support team will also give instructions for further actions concerning your card.
You can view it yourself on the mobile application at the Money section. Click on the picture of the card on which you want to see the data and then on Show card data.
No you can not. The mobile application PIN is used for application only. Use the card PIN to withdraw cash from an ATM or when making purchases.
This is a card that you can order on the mobile application in addition to the main card. It has a different number and expiration date, but is linked to the same account as the main card. You can use an additional card and a main card at the same time.
You can order an additional card for your child, a member of your family or yourself.
This is a card that you can order for your child on the mobile application. This card will bear the name of the child, but it does not have a separate account. Thus, you can control all transactions of the child in the history of transactions on your account.
Child transactions you can monitor in the history of transactions on your account. You will also receive a Push notification to the number of your mobile when the child makes a purchase.
This is a card that you can order for a member of your family (for example, a wife, a mother) in addition to the card you have already received. This card has a different number and expiration date. This card will bear the name of a member of your family, but it uses the same account as the main card.
This is a card for which no credit limit is issued. Thus, for payments, purchases or cash withdrawals, you must first replenish your card.
You can easily control your expenses, because card has no credit limit. Thus, you can only spend the amount of money that you have on the card.
Can my card be reloaded? Yes of course. The card can be reloaded unlimited number of times.
You can replenish a card by SEPA transfer from another bank in euro currency, by transfer from another your card or by internal payment.
BCC may be used to pay for goods and services at participating retailers and online that accept Mastercard cards.
Virtual BCC is designed for online purchases only.
Plastic BCC is designed for use in shops and retail locations where you are physically present. It is possible also to use it for cash withdrawal.
The use of virtual BCC is limited to online purchases.
No. BCC is a prepaid debit card, so spending is limited to the amount that you load on the card.
The transaction will be declined if the funds are insufficient.
A point of sale (POS) terminal is an electronic device used to process card payments at retail locations.
This is an additional level of security when shopping with your BCC on the Internet.
3D Secure protects you from online card fraud.To perform authorization of a transaction made using BCC on the Internet where the vendor ensures secure authentication (3-D secure), you shall make additional authorization by confirming such transactions with one-time password derived from us.
Some of the most common reasons are that you've had insufficient funds, input wrong card details (expiry date, or CVC2), exceeded the spending limit set by yourself
In rare cases, the amount of your purchases may exceed the available balance on the BCC account. This happens if the store due to the peculiarities of its work did not check the available balance on your BCC. You need to replenish your BCC account to close this negative balance. After that BCC will work as usual.
For security reasons all card payments are blocked when the card PIN is entered incorrectly 3 times. Contact our support team so we can help you.
An automated teller machine (ATM) or cash machine.
Please contact our support center so they can help you.
SEPA (or the Single Euro Payments Area) is the format for cross-border Euro bank transfers. SEPA is made up of the Eurozone and countries within the EU
In accordance with Tariff https://blackcatcard.com/en/legal/price.html
If you believe that your BCC has been used without your permission, please block the card immediately within the mobile application. Then contact our support team so they can help you.