Visa Electron

 

With Visa Electron card of OTP banka, your money is always at hand. Whether you are on a journey, in your favourite restaurant or just grocery shopping, your Visa Electron card offers you a number of advantages, the most important one being that you have a simple and safe access to your money.

Take the advantages we offer

Variety of uses

Visa Electron enables you to pay for various goods and services (groceries, clothes, accommodation,...) at all points of sale bearing the Visa Electron sign, in the country and abroad.

 

Simplicity

When using the Visa Electron card of OTP banka, you do not have to worry about the opening time of branches , as you can access your money 24 hours a day, 365 days a year, at all ATMs bearing the Visa sign. When withdrawing cash at ATM with Visa Electron card, the transaction must be authenticated with the PIN, which is - in addition to the card itself - the most important element of protection of the funds held in the account.

 

Security

Since you can use Visa Electron for paying for all kinds of goods and services, there is no need for carrying larger cash amounts, so chances of losing it automatically decrease.  The full potential of this card is especially evident on journeys, as it liberates the holder from carrying various currencies, thus reducing the risk of a loss and providing additional security.

 

Cost control and records

Each Visa Electron card transaction is subject to authorisation, which means that before each debit, the cardholder's account balance is checked in order to make sure that the transaction can be processed / authorised. When paying for goods and services, or making withdrawal at an ATM with your Visa Electron card, you are issued a receipt.

 

Card usage

Visa Electron card can be used at all ATMs and EFT/POS terminals bearing the Visa sign, in the country and abroad alike.  Visa Electron card can be used to pay at all points of sale bearing the Visa sign: in shops, agencies, restaurants and hotels, whether in the country or abroad, and paying is as easy as swiping the card through the reader or reading the integrated chip. In just a few moments whilst the authorisation takes place, your transaction is carried out and you verify it with your signature.

Cash withdrawals at the ATMs bearing the Visa sign are equally simple:

  • insert the card,
  • type in your PIN,
  • follow the instructions,
  • choose the desired transaction,
  • once the authorisation is completed, the machine will pay out the money and you will get the receipt.

With your Visa Electron card you can withdraw cash at all times at ATMs of OTP banka , as well as top up your mobile phone (whatever the provider: VIPme, Simpa, Tele2, Tomato or bonbon) in a simple and fast manner, and at the price equal to that at other points of sale. Apart from numerous ATMs, OTP banka also boasts of a large EFT/POS terminal network nationwide.

 

No ATM to be found just when you need cash?

Now you can access the cash in your current account at all Tisak's points of sale. If you hold an OTP banka debit card, this transaction will cost you only HRK 5! Similar to withdrawals at ATMs, when withdrawing cash at Tisak’s points of sale, you can opt for one of the pre-determined amounts, and you can check what they are before you decide to proceed with the transaction.

 

Card and cash withdrawal limits

The daily card spending limit is capped at HRK 14,000 of which HRK 4,000 can be withdrawn at ATMs.

 

How to become a cardholder

All holders of current accounts at OTP banka who have been authorised to use Visa Electron cards at ATMs and EFT/POS terminals, are eligible cardholders. In addition, any signatory to an account, authorised by the holder of a current account, is eligible cardholder.