Information about the new debit card – the Debit Mastercard

The Debit Mastercard is a debit card like the Maestro card. With a debit card, payments are debited from your account immediately. You can use the Debit Mastercard worldwide to make cashless payments at all Mastercard acceptance points and withdraw cash from ATMs – in contrast to the Maestro card, you can also pay in online shops.

The Debit Mastercard is the debit card of the next generation. In addition to the existing functionalities of the Maestro card, the Debit Mastercard can also be used for online payments. In addition, the Debit Mastercard is accepted at around ten million more points of sale worldwide.

Yes, the conditions of the Debit Mastercard have been changed. No longer are fees charged for purchases made abroad. Further information about the fees can be found at credit-suisse.com/debitcard.

• Control spending – payments and cash withdrawals are immediately debited from your account. This helps you keep a close eye on transactions executed as well as the current balance in your account at all times.
• The Debit Mastercard is accepted at home and abroad – everywhere you see the Mastercard logo.
• Paying at shops and vending machines – you can use the new debit card to pay at over 43 million points of sale.
• Contactless – purchases of less than CHF 80 are made in seconds with no PIN entry needed. For larger payments, your PIN will be automatically required for security reasons.
• Online payments – the Debit Mastercard also allows you to pay securely and conveniently on the internet and in apps. Extra security is provided using 3D Secure – a process through which you confirm payments to most online retailers using your mobile phone.
• Mobile payment – Pay easily and securely with Apple Pay, Samsung Pay and Google Pay – at stores, online, and in apps.
• Store card details in online shops – pay for your next purchase more quickly and make recurring payments for online subscriptions; the expiration date of stored cards is updated automatically.
• Pay for hotels or car rentals.
• Withdraw and deposit cash – you can withdraw cash anywhere in the world. In Switzerland, cash deposits can be made at designated Credit Suisse ATMs.
  

The color of the Debit Mastercard is predefined and depends on the product selected.

For more information, see CSX

1. Before you make online purchases, please set up your Debit Mastercard for 3D Secure.
   
   
   • For the 3D Secure registration, you will need your Debit Mastercard, the letter with the registration code (OTRC code), and your mobile phone. We will send you the card and the registration code (OTRC) in two separate letters that you will receive on different dates for security reasons.
   • After receiving both letters, open the link in your internet browser or scan the QR code displayed with your mobile phone. This will take you to a website of the SIX Group [info on the SIX Group and 3D Secure] (our trusted partner for payment transactions), on which you can register your Debit Mastercard for 3D Secure.
   • Please follow the instructions given there. This registration is required only once for a card number. Once registration is complete, your Debit Mastercard is activated for 3D Secure and you can safely shop online.
2. Upon payment in an online shop, when asked to select the payment type, select Debit, Debit Card, or Mastercard (orange/red logo with the circles). Only a few online shops are already using the correct designation "Debit" as the payment type. If this is not offered, then select "Credit Card" (or "Mastercard") as the payment type – the transaction will still be processed as a debit transaction.
3. Enter the requested card information such as the card number, the expiration date, and the CVC number. You will find this information on the back of your Debit Mastercard.
4. If the online shop supports 3D Secure, you will be asked in the next step to confirm the payment with a code.
   
   
   • This code will automatically be sent to you by SMS if you have set up your card for 3D Secure (see Step 1).
   • Enter the code in the corresponding field and approve the payment.
   • The payment will now be executed. The decision to request a payment confirmation ("3D Secure") lies solely with the retailer. If the online shop does not carry out this additional confirmation, the card payment will be executed after you enter the card number, the expiration date, and the card verification code (CVC) as soon as you click on "Pay."
5. The respective amount will be debited immediately from your account, since this is a debit card. You will not receive a separate credit card bill, but will see the charge directly in your online banking.

Using the Debit Mastercard to make payments on the internet meets international standards and accordingly provides the highest possible level of security. 3D Secure (also known as the “Mastercard identity check”) is an authentication procedure that increases the security of online payments because a code must be entered to confirm the payment in addition to the card number, the expiration date, and the card verification code (CVC). This code is sent to your registered mobile phone number during the payment process, and is only valid once. In this way, 3D Secure increases security for both you and the participating retailer. You are not liable for a potential financial loss in the event of misuse, provided that you have met your due diligence obligations.

The decision to request a payment confirmation (3D Secure) lies solely with the retailer. If the online shop does not carry out this additional confirmation, the card payment will be executed after you enter the card number, the expiration date, and the card verification code (CVC) as soon as you click on “Pay.” However, we recommend that you register for the 3D Secure process immediately after receiving your card so that you can make unrestricted use of your card on the platforms of all online retailers.

Contact the 24-hour helpline at +41 (0)800 800 488*. We will send or communicate to you a new registration code (OTRC) immediately.

If your old telephone number is still active, you do not need a new registration code (OTRC). You can change the telephone number yourself on the 3D Secure Enrollment Portal. If your old telephone number no longer works, you need a new OTRC code, which you can request from the 24-hour helpline (+41 (0)800 800 488)* or from your client advisor.

The limits can be accessed and changed in online and mobile banking**. If you do not have online and mobile banking, you can also change the limits via the 24-hour helpline (+41 (0)800 800 488)*.

Change debit card limit

Yes. You can deactivate the online payment function yourself in online and mobile banking**, or you can have it deactivated by your client advisor, at one of our branches, or via the 24-hour helpline (+41 (0)800 800 488)*. This function can also be reactivated at your request.

You can deactivate the automatic transmission of the new expiration date yourself in online and mobile banking**, or you can have it deactivated by your client advisor, at one of our branches, or via the 24-hour helpline (+41 (0)800 800 488)*. This function can also be reactivated at your request.

Yes. You can deactivate the contactless feature yourself in online and mobile banking**, or you can have it deactivated by your client advisor, at one of our branches, or via the 24-hour helpline (+41 (0)800 800 488)*. This function can also be reactivated at your request.

If you wish to activate your card for other countries, you can easily do so in the Online Banking portal. Just click on the following link:

Manage travel settings
 

You can easily order a replacement debit card in Online Banking. Please click on the following link:

Order replacement card

Please note that this request carries a fee (CHF 20) and that it will take 3–5 working days to produce and mail the card.

For security reasons, the contactless function is temporarily deactivated when the Debit Mastercard is dispatched. First, you need to make a transaction by inserting your debit card into a payment terminal or an ATM and entering the correct PIN. This automatically activates the contactless feature and allows you to make contactless payments.

Yes. For amounts over CHF 80, the payment terminal will prompt you to enter your PIN. You do not need to insert your Debit Mastercard into the payment terminal, however.
No PIN needs to be entered for amounts of less than CHF 80. For security reasons, however, you may have to enter your PIN from time to time even for transactions under CHF 80. You will always be prompted to enter your PIN for amounts over CHF 80.

At present, the Debit Mastercard can be used for Apple Pay, Samsung Pay and Google Pay. We are reviewing the implementation of this function for other Mobile Payment providers and will inform you in due course should this become available.

You can easily add your Debit Mastercard to Apple Pay, Samsung Pay and Google Pay via the CSX Mobile Banking app

You can find information on the registration process here:

• Apple Pay
• Samsung Pay
• Google Pay

You can store your Debit Mastercard as a payment card with specific retailers by agreeing to your card being stored. To do so, please follow the instructions of the retailer concerned. For future purchases, you can pay without re-entering your card data. When your card expires, your card’s new expiration date is automatically communicated if the retailer supports the updating service.

If you lose your Debit Mastercard, please request us to block it immediately.

• You can block your card yourself in online and mobile banking**. There is no charge for blocking a card in online and mobile banking.
• Call our 24-hour helpline at +41 (0)800 800 488*. Please note that a fee of CHF 55 will be charged.
• At your request, we will mail you a new Debit Mastercard and, in separate letters, a new PIN and a new registration code (OTRC). There is a fee of CHF 20 for replacing your card. Please note: If your card is stolen, please submit a statement of loss to the police.

Block debit card

• The contactless Debit Mastercard is equipped with the latest generation chips and is state of the art in terms of security.
• The same data transmission protocols and cryptographic security procedures are generally used for contactless payments as for contact-based chip payments.
• Your Debit Mastercard will only initiate a transaction if it is held very close to the payment terminal. The short range of 2–4 cm prevents any unintended payment from occurring at a larger distance.
• Only one transaction is permitted per payment process, even if the card is placed next to the payment terminal multiple times in a row. If the payment terminal detects more than one contactless card, it automatically cancels the transaction without any payment occurring.
• You will need to enter the PIN for amounts over CHF 80.
  

If you become aware of transactions on your account statement that were debited twice, that you did not make, or for which you did not receive the corresponding product or service, you can object to these debit card transactions. To do this, please proceed as follows:

1. Please contact the trader first before reporting the transaction to us and try to come to an agreement directly.
2. If you cannot reach an agreement directly with the trader, you must file a claim with us within 30 days from the receipt of the account statement, together with all the related documents (emails, letters, information regarding phone calls, receipts, etc.).
3. Once you have sent us the complaint form, we will carry out the investigation regarding your claim.
4. If your claim is accepted, we will transfer the amount to your account without any further communication.
5. In case any additional explanations or documents are needed to process your claim or if your claim is rejected, you will be contacted by Credit Suisse advisors.

Please note that many parties are involved in the investigation and that clarification can take up to three months.

Submit complaint form electronically

You can also download the complaint form (PDF) and return it to us by post at the following address:

UBS Switzerland AG
Schadenfälle / Dommages / Danni
MOXP 31
P.O. Box
8070 Zurich