With the Vista Classic Credit Card, issued under the VISA logo, you have anywhere and anytime at your diposal an extra reserve of money with which you can make purchases online and offline, in Romania and abroad, using the credit limit granted by the Bank.

The benefits of the Vista Classic Credit Card:

• You own an embossed credit card issued in RON, which gives you more security in making transactions, as well as the possibility to use it worldwide, wherever the VISA logo is displayed;
• You can book in advance plane tickets, hotel rooms, tourist packages or rent a car;
• You can use the card for different shopping on the Internet, for shopping at merchants or for ATM withdrawals;
• You have a 0% commission for any card payment from merchants anywhere in the world;
• You have 0% interest for any payment at merchants as well as at ATM anywhere in the world if you reimburse the entire amount used up to the due date;
• You have a grace period of up to 50 days for both merchants and ATMs;
• Monthly refund of only 5% of the amount due You have access to the full credit on your card;
• You can change the PIN directly to Vista Banks ATMs;
• Additional cards may be issued if you want to give family members access to your credit line.
• You benefit from free access to the SMS Alert service, through which we inform you promptly by SMS at each card payment, so that you are always in control of the transactions made. At the same time, through the SMS Alert service, we also inform you about the total currency conversion cost (mark-up) when a card transaction is carried out in a currency of the member states of the European Economic Area that is different from the card’s currency. You can find out more details and use the calculator to determine the mark-up here.
• NEW: Thanks to the Vista Bank – Euronet Worldwide, Inc. partnership, you can use your Vista Bank card at any Euronet ATM in Romania, under the same cost and high-security conditions as at the bank’s own ATMs. To find the closest Euronet ATM, please access the following link: https://www.euronetatms.ro/euronet-bancomat-harta-locatiilor/

Representative APRC calculation example:

For a credit card with a credit limit amounting to Lei 10,000 for a period of 1 year, with a variable interest of 18.79% p.a. estimated using IRCC + Fixed Margin of 12,8%, the monthly installment is of 920.56 Lei.

The annual effective interest (APRC) is of 28.09% per year

The calculation of the monthly installments is illustrative.

APRC is calculated on the assumption of using the entire credit limit mentioned above since the first day after the grant, entirely by cash withdrawing from a Vista Bank ATM and repaying it in 12 equal monthly installments. The total payable amount will be 11,361.77 Lei and the total cost to be repaid will be Lei 1,361.77, consisting of the total interest plus the costs of using the card as a means of payment (annual administration fee of 40 Lei and the usage fee as a means of payment 275 Lei, meaning 2.75% of the withdrawn amount). The payments made do not result in an immediate repayment of the total amount of the credit, the credit limit being granted in the revolving system.

The value of the IRCC Reference Index used is 5.99%, valid from October 1^st, 2024.

IMPORTANT NOTICE

Domestic ATM operators can apply cash withdrawal fees at their own ATMs, in addition to the card issuing bank's commission. Due to the partnership between Vista Bank and Euronet Worldwide, Inc., in the Euronet ATM network from Romania, no additional cash withdrawal fees will apply to cards issued by Vista Bank. Thus, you can use your Vista Bank card at any of the over 500 ATMs in Romania marked with Euronet logo under the same cost conditions as before. We remind you that in the case of debit cards you benefit from ZERO withdrawal commission in the Euronet ATM network. To find the nearest Euronet ATM, please access this link: https://www.vistabank.ro/en/useful-info/atm-network

If you are interested in the Vista Classic Credit Card, please fill in the form below and we will contact you as soon as possible:

A unique card for unique clients

Cards have become an indispensable part of our lifestyle. You can feel the comfort and freedom of movement every moment and wherever you are.

THE PERFECT WAY TO PAY

With the Vista Classic Credit Card, issued under the VISA logo, you can safely make all your purchases in Romania, abroad and on the Internet, using the credit limit provided by the Bank.

Vista Classic Credit Card is an embossed card, which makes it accepted anywhere in the world where the Visa logo is displayed.

Using your shopping card abroad, forget about currency exchange or cash concern.

More safety with your Vista Bank card

Vista Bank cards incorporate chip technology which ensures the stored information is protected by encryption. Vista Bank cards are also monitored by a fraud detection system*. The controlling and monitoring system for card transactions (both purchases and cash withdrawals) is designed to detect suspicious transactions and limit fraud cases and unauthorized use.

* This system does not replace your responsibility for keeping your card, PIN and confidential information used for online payments through the 3D Secure service secure. For your protection, please inform the Bank immediately in case of loss / theft or detection of suspicious transactions on your account.

In case you lose your card, we recommend you to block it immediately, using:

• the Call Center service at +40.21.222.33.10, available from Monday to Sunday, 24/7;
• the emergency assistance through VISA's Global Customer Assistance Services (GCAS). More details here.

For online card payments, Vista Bank provides you free of charge with the 3D Secure Service that enables you to make e-commerce transactions under strict security terms. Please read carefully the detailed information and the Rules for Using the 3D Secure Service available here.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are safe each time you make online purchases or invoice payments with your Visa card from Vista Bank.

Find out more

3D SECURE

Vista Bank (Romania) S.A. provides you with the free 3D Secure service that enables you to make e-commerce transactions under strict security terms. Please read carefully the Verified by Visa (3D Secure) Terms and Conditions document.

Using the 3D Secure service:

• Visit the site where you want to purchase goods or services and place the products in the shopping cart;
• Access the site from which you would like to purchase goods or services and place the products in the shopping cart;
• In the payment pageyou will fill-in with the security data of the card (card number, CVV2 code, expiry date);
• If the site uses 3D Secure technology, you will be redirected to the 3D Secure screen in which you will enter the password;
• The password will be automatically sent to your mobile number registered with the Bank. If you have not updated the phone number communicated to the Bank, please visit any Vista Bank branch to update the data. The transaction cannot be performed without a valid mobile phone number registered with the Bank.
• Check the amount and the name of the merchantand fill-in with the password you have received by SMS in the field “Password”. You will use capital letters or small letters as they are in the SMS.
• If you have not received the SMS you can click on the link "You have not received your password SMS?" link and you will receive a new password. In this case, the old password can no longer be used.
• The Transaction is confirmedby the site.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

NEW – Visa^® Account Updater Service

In partnership with VISA, Vista Bank has recently introduced the Visa^® Account Updater (VAU) service, a free benefit available to all holders of Visa cards issued by the bank.

The new service ensures continuity of card payment services with those merchants with whom you have previously registered your card data, in order to perform:

• recurring payments (for example, payment of monthly / annual subscriptions by automatic debit initiated by the merchant) or
• regular payments (for example, payment to online merchants where you shop frequently: retailers, travel booking sites, event tickets, transportation, etc.).

Thus, whenever your card details (expiration date, card number) change by re-issue upon expiration or replacement of a stolen / lost card, you won’t have to worry about re-entering them on all the merchants websites where you have previously registered your card. These updates can now be performed automatically and securely through the VAU service offered by Visa.

This way, you save valuable time and avoid possible inconveniences caused by declined payments and delivery delay / non-delivery of ordered services due to outdated card information.

Important:

• The VAU service is a free benefit available to all Vista Bank cardholders, but it is activated only upon your request and with your consent;
• You can request at any time, free of charge, the activation or deactivation of the service by simply filling in a form in any Vista Bank unit;
• Your updated card information can only be sent to those merchants who have joined VAU (participating VAU merchants). If you are not sure if a merchant is a VAU participant, we recommend that you update your new card information directly with that merchant.
• Participating VAU merchants can be from Romania or from anywhere in the world.
• If the card is closed (either by your or by the bank’s decision), the VAU service forwards this information to the merchants to whom you have previously registered the card, together with the recommendation to contact you to determine how your commercial collaboration with them will continue.

We invite you to activate the new VAU service to benefit from the new facilities offered.

All your cash... on only one card!

Feel the comfort and freedom of movement every moment and wherever you are.

Vista Debit Card is a contactless debit card in lei, a simple and convenient tool for your daily payments. Thus, you can shop online and offline, in Romania and abroad, with ZERO payment commission.

More comfort

• Use Vista Debit Card anywhere in the world where the Visa logo is displayed;
• Enjoy contactless technology, allowing faster and more convenient payments, especially those of small values;
• You don’t need to worry anymore about currency conversion in case of payments made abroad.
• NEW: Thanks to the Vista Bank – Euronet Worldwide, Inc. partnership, you can use your Vista Bank card at any Euronet ATM in Romania, under the same cost and high-security conditions as at the bank’s own ATMs. To find the closest Euronet ATM, please access the following link: https://www.euronetatms.ro/euronet-bancomat-harta-locatiilor/

A better control of your expenses

• You debit the current account by the exact amount you need when making the transaction;
• Full control over the card account availability with Vista Internet Banking and Vista Mobile Banking services;
• You benefit from free access to the SMS Alert service, through which we inform you promptly by SMS at each card payment, so that you are always in control of the transactions made. At the same time, through the SMS Alert service, we also inform you about the total currency conversion cost (mark-up) when a card transaction is carried out in a currency of the member states of the European Economic Area that is different from the card’s currency. You can find out more details and use the calculator to determine the mark-up here.

Vista Bank (Romania) S.A. participates in the Romanian Bank Deposit Guarantee Fund (FGDB), in accordance with the legal provisions in force. Thus, as a Vista Bank depositor, your accounts and deposits opened at the Bank are guaranteed, through the payment of compensations, within the limit of EUR 100,000, equivalent in LEI.

You can obtain additional details regarding the Guarantee Scheme by accessing this link, from any unit of the bank, on the website www.fgdb.ro.

IMPORTANT NOTICE

Domestic ATM operators can apply cash withdrawal fees at their own ATMs, in addition to the card issuing bank's commission. Due to the partnership between Vista Bank and Euronet Worldwide, Inc., in the Euronet ATM network from Romania, no additional cash withdrawal fees will apply to cards issued by Vista Bank. Thus, you can use your Vista Bank card at any of the over 500 ATMs in Romania marked with Euronet logo under the same cost conditions as before. We remind you that in the case of debit cards you benefit from ZERO withdrawal commission in the Euronet ATM network. To find the nearest Euronet ATM, please access this link: https://www.vistabank.ro/en/useful-info/atm-network

If you are interested in the Vista Debit Card, please fill in the form below and we will contact you as soon as possible:

WHAT IS THE VISTA BANK PAYROLL CARD?

Imagine you had a simple and comfortable wallet that keeps all your money safe, without asking for any commission in exchange. A wallet that gives you free access to your salary whenever you need it. Yes, the Vista Bank Payroll card offers you a 0% withdrawal fee from any ATM, of any bank. In addition, it comes with other product offerings from Vista Bank.

HOW CAN YOU GET YOUR PAYROLL CARD WITH VISTA BANK?

It's easy! Even easier than you think. Come to any of the Vista Bank branches, where our representatives will help you to OPEN A CURRENT ACCOUNT.

And because we respect all the rights of our clients, we also offer you SUPER BENEFITS:

• ZERO COMMISSION when opening the current account;
• ZERO COMMISSIONto manage your current account;
• ZERO COMMISSION for cash withdrawalsfrom any ATM in Romania, of any bank;
• ATTRACTIVE INTEREST for the account in which you receive your salary

Once you have opened your account with us, you will receive the VISTA BANK DEBT CARD, attached to the current account, in which you will receive your salary or you will deposit it yourself. This card will allow you to make payments or cash withdrawals within your own funds limit.

WHAT ARE THE OTHER BENEFITS OF THE VISTA BANK PAYROLL CARD?

1. CREDIT CARD with funding up to 50.000 RON

Vista Visa Classic CREDIT CARD allows you to access a credit limit of maximum 50.000 RON in an advantageous way:

• ZERO COMMISSION on the card issuing
• ZERO COMMISSION in the first year for the annual management;
• advantageous interest, monthly calculated using the formula IRCC + fixed margin 12,8%.

Representative APRC calculation example:

For a credit card with a credit limit amounting to Lei 10,000 for a period of 1 year, with a variable interest of 15,46% p.a. estimated using IRCC + Fixed Margin of 12,8%, the monthly installment is of 904,76 Lei.

The annual effective interest (APRC) is of 22,94% per year

The calculation of the monthly installments is illustrative.

APRC is calculated on the assumption of using the entire credit limit mentioned above since the first day after the grant, entirely by cash withdrawing from a Vista Bank ATM and repaying it in 12 equal monthly installments. The total payable amount will be 11.132,07 Lei and the total cost to be repaid will be Lei 1.132,07 , consisting of the total interest plus the costs of using the card as a means of payment (annual administration fee of 40 Lei and the usage fee as a means of payment 275 Lei, meaning 2.75% of the withdrawn amount). The payments made do not result in an immediate repayment of the total amount of the credit, the credit limit being granted in the revolving system.

The value of the IRCC Reference Index used is 2.66%, valid from October 1^st, 2019.

2. Current account overdraft in LEI

If you bring your salary to Vista Bank, you have the opportunity to access a current account in Lei with a special interest rate: IRCC + fixed margin 7.50%

The funded amount can be up to 6 net salaries, but not more than 40,000 LEI. For credit limits higher than 3 net monthly salaries, you will need to provide collaterals and / or personal guarantees.

Representative APRC calculation example:

For an overdraft facility with a loan limit amounting to Lei 5,000 for a period of 1 year, with a variable interest of 10.13% p.a. estimated using IRCC + Fixed Margin of 7.50%, the monthly installment is of 42.21 Lei.

The annual effective interest (APRC) is of 10.61% per year.

The calculation of the monthly installments is illustrative.

APRC is calculated on the assumption of using the entire loan limit mentioned above since the first day after the grant, entirely by cash withdrawing from a Vista Bank ATM and repaying it in 12 equal monthly installments. The total payable amount will be 6,013.04 Lei and the total cost to be repaid will be Lei 1,013.04 , consisting of the total interest plus the costs of using the card as a means of payment (analysis fee 0 Lei, monthly fee 0 lei, annual administration fee of 0 Lei and the usage fee as a means of payment 0 Lei, meaning 0% of the withdrawn amount). The payments made do not result in an immediate repayment of the total amount of the loan, the loan limit being granted in the revolving system.

The value of the IRCC Reference Index used is 2.63%, valid from July 1^st, 2019.

3. CONSUMER LOANS IN LEI GUARANTEEDWITH A MORTGAGE – VISTA 4U

At Vista Bank, your home can become a guarantee for obtaining a consumer loan, guaranteed with the Vista 4U mortgage with multiple benefits:

• file analysis fee – 500 Lei
• variable interest, calculated using the formula IRCC + fixed margin 4,5%;
• annual credit management commission of 0,10% applied to the current balance, annually payable;
• immovable evaluation fee of minimum 80 EUR + TVA (paid in equivalent RON).

Representative APRC calculation example:

For a loan amounting to Lei 210,000 for a period of 5 years, the monthly installment will be of 4.171,14 Lei, calculated with a variable interest of 7,13% p.a. estimated using IRCC + Fixed Margin of 4,5%), the Annual Effective Interest (APRC) will be of 7,94%. The total payable amount will be 253.190,97 Lei and the total cost of the loan (including the interest, the fee of file analysis of 500 lei, the annual loan management fee of 0.1% calculated on the loan balance, the annual premiums for the real estate insurance of 305 Lei / year and the building evaluation fee starting from 80 Euro + VAT, in Lei equivalent) will be of 43.190,97 Lei. Reimbursement in monthly equal installments (annuities).

Obtaining the loan in accordance with the agreed terms and conditions is subject to the submission of an assessment report for the funded property and the conclusion of an all-risk insurance policy with a value of at least 100% of the valuation amount of the property and the assignment of claims in favor of the Bank.

The value of the IRCC Reference Index used is 2.63%, valid fromJuly 1^st, 2019.

For the above example it was considered an insured value of the mortgaged building of 210.000 Lei. The costs in equivalent Lei are estimated using an average currency rate of 1Eur = 4.76 Lei.

The eventual fluctuations of the benchmark rates may affect the amount you need to pay.

The eventual fluctuations of your income may affect your ability to pay the installments.

4. LOANS FOR REAL ESTATE INVESTMENTS IN LEI – VISTA HOME

Vista Bank offers you convenient deals for real estate loans, as well as expert advice throughout the entire financing process.

All you have to do is to find the ideal home.

We will make sure you turn a profit anyhow, with the benefits of Vista Home Loan:

• 500 RON credit application review fee (payable once, when the loan is granted);
• variable interest rate in accordance with the IRCC formula + 2,85 % fixed margin;
• annual loan administration fee of 200 Lei, annually payable;
• immovable evaluation fee of minimum EUR 80 + VAT (by RON equivalent).

Samples of APRC calculation:

For a loan amounting to RON 200,000 for a period of 30 years, the monthly installment will be RON 1.133,07, calculated at a variable interest rate of 5.48% p.a. (estimated using IRCC + Fixed Margin 2.85%), Annual Percentage Rate of Charge (APRC): 6.08%. The total payable amount will be RON 426,654.82 , and the total loan cost (which includes the interest, the application review fee of RON 500, the loan annual administration fee of RON 200, the annual insurance premiums for the immovable property of RON 400/year starting with the second year of loan and the immovable property valuation fee of EUR 80 + VAT, in RON equivalent) will be of RON 226,654.82.Reimbursementby equal monthly installments (annuities).

Getting the bank loan in accordance with the agreed terms and conditions is subject to the conclusion of a surety bond (not including lands) of at least 100% of the immovable property valued amount and the assignment of the rights to claim compensation for the Bank.

The value of the IRCC benchmark used is 2.63%, valid on July 1^st, 2019.

The eventual fluctuations of the benchmark rates may affect the amount you need to pay.

Your income volatility may impact on your ability to pay the installments.

The loan facilities may be granted to employees only after a credit score has been made by the Bank, and they must meet those eligibility criteria in order to qualify for credit, or the credit applications are the subject of a final analysis made by the Bank, an approval by its competent bodies and a mutually agreed documentation.

The Bank reserves the right to amend the current Offer at any given moment, if the Bank's lending policy or market circumstances call for it.

More safety with your Vista Bank card

Vista Bank cards incorporate chip technology which ensures the stored information is protected by encryption. Vista Bank cards are also monitored by a fraud detection system*. The controlling and monitoring system for card transactions (both purchases and cash withdrawals) is designed to detect suspicious transactions and limit fraud cases and unauthorized use.

* This system does not replace your responsibility for keeping your card, PIN and confidential information used for online payments through the 3D Secure service secure. For your protection, please inform the Bank immediately in case of loss / theft or detection of suspicious transactions on your account.

In case you lose your card, we recommend you to block it immediately, using:

• the Call Center service at +40.21.222.33.10, available from Monday to Sunday, 24/7;
• the emergency assistance through VISA's Global Customer Assistance Services (GCAS). More details here.

For online card payments, Vista Bank provides you free of charge with the 3D Secure Service that enables you to make e-commerce transactions under strict security terms. Please read carefully the detailed information and the Rules for Using the 3D Secure Service available here.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are safe each time you make online purchases or invoice payments with your Visa card from Vista Bank.

Find out more

3D Secure

Vista Bank (România) S.A. provides you with the free 3D Secure service that enables you to perform e-commerce transactions under strict security. Please read carefully Verified by Visa (3D Secure) Terms of Service document.

Using the 3D Secure service:

• Visit the website where you want to purchase goods or services from and place the products on the shopping cart;
• On the payment page, you will enter the card security data (card number, CVV2 code, expiration date);
• If the website uses the 3D Secure technology, you will be redirected to the 3D Secure screen where you will enter the password;
• The password will be automatically sent to your mobile phone number registered with the Bank. If you have not updated the phone number reported to the Bank, please visit any Vista Bank branch to update the data. The transaction cannot be performed without a valid mobile phone number registered with the Bank.
• Check the purchase amount and merchant's name and enter the password you received by SMS in the "Password" field.Use small or large letters, as written in the SMS.
• If you have not received the SMS, you can click on the "Having trouble receiving the password by SMS?" link and you will receive a new password. In this case, the old password can no longer be used.
• The transaction completion is confirmed on the website.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

NEW – Visa^® Account Updater Service

In partnership with VISA, Vista Bank has recently introduced the Visa^® Account Updater (VAU) service, a free benefit available to all holders of Visa cards issued by the bank.

The new service ensures continuity of card payment services with those merchants with whom you have previously registered your card data, in order to perform:

• recurring payments (for example, payment of monthly / annual subscriptions by automatic debit initiated by the merchant) or
• regular payments (for example, payment to online merchants where you shop frequently: retailers, travel booking sites, event tickets, transportation, etc.).

Thus, whenever your card details (expiration date, card number) change by re-issue upon expiration or replacement of a stolen / lost card, you won’t have to worry about re-entering them on all the merchants websites where you have previously registered your card. These updates can now be performed automatically and securely through the VAU service offered by Visa.

This way, you save valuable time and avoid possible inconveniences caused by declined payments and delivery delay / non-delivery of ordered services due to outdated card information.

Important:

• The VAU service is a free benefit available to all Vista Bank cardholders, but it is activated only upon your request and with your consent;
• You can request at any time, free of charge, the activation or deactivation of the service by simply filling in a form in any Vista Bank unit;
• Your updated card information can only be sent to those merchants who have joined VAU (participating VAU merchants). If you are not sure if a merchant is a VAU participant, we recommend that you update your new card information directly with that merchant.
• Participating VAU merchants can be from Romania or from anywhere in the world.
• If the card is closed (either by your or by the bank’s decision), the VAU service forwards this information to the merchants to whom you have previously registered the card, together with the recommendation to contact you to determine how your commercial collaboration with them will continue.

We invite you to activate the new VAU service to benefit from the new facilities offered.

Embark on an exclusive journey with Vista Platinum, your indispensable accessory in a world of refinement and absolute comfort. Whether you opt for a Vista Platinum credit or debit card, you enjoy special national and international privileges and offers with added value to your lifestyle.

Financial benefits and maximum security

A universe of privileges

Your travel partner to any destination

Vista Bank (Romania) S.A. participates in the Romanian Bank Deposit Guarantee Fund (FGDB), in accordance with the legal provisions in force. Thus, as a Vista Bank depositor, your accounts and deposits opened at the Bank are guaranteed, through the payment of compensations, within the limit of EUR 100,000, equivalent in LEI.

You can obtain additional details regarding the Guarantee Scheme by accessing this link, from any unit of the bank, on the website www.fgdb.ro.

IMPORTANT NOTICE

Domestic ATM operators can apply cash withdrawal fees at their own ATMs, in addition to the card issuing bank's commission. Due to the partnership between Vista Bank and Euronet Worldwide, Inc., in the Euronet ATM network from Romania, no additional cash withdrawal fees will apply to cards issued by Vista Bank. Thus, you can use your Vista Bank card at any of the over 500 ATMs in Romania marked with Euronet logo under the same cost conditions as before. We remind you that in the case of debit cards you benefit from ZERO withdrawal commission in the Euronet ATM network. To find the nearest Euronet ATM, please access this link: https://www.vistabank.ro/en/useful-info/atm-network

If you are interested in Vista Platinum Credit Card or Vista Platinum Debit Card, please fill in the form below and we will contact you as soon as possible:

More safety with your Vista Bank card

Vista Bank cards incorporate chip technology which ensures the stored information is protected by encryption. Vista Bank cards are also monitored by a fraud detection system*. The controlling and monitoring system for card transactions (both purchases and cash withdrawals) is designed to detect suspicious transactions and limit fraud cases and unauthorized use.

* This system does not replace your responsibility for keeping your card, PIN and confidential information used for online payments through the 3D Secure service secure. For your protection, please inform the Bank immediately in case of loss / theft or detection of suspicious transactions on your account.

In case you lose your card, we recommend you to block it immediately, using:

• the Call Center service at +40.21.222.33.10, available from Monday to Sunday, 24/7;
• the emergency assistance through VISA's Global Customer Assistance Services (GCAS). More details here.

For online card payments, Vista Bank provides you free of charge with the 3D Secure Service that enables you to make e-commerce transactions under strict security terms. Please read carefully the detailed information and the Rules for Using the 3D Secure Service available here.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are safe each time you make online purchases or invoice payments with your Visa card from Vista Bank.

Find out more

Vista Bank (Romania) S.A. provides you with the free 3D Secure service that enables you to conduct e-commerce transactions under strict security. Please read the Verified by Visa (3D Secure document)carefully.

Using 3D Secure service:

• Go to the site where you want to buy goods or services and place the products in the cart;
• On the payment page you enter your security card (card number, CVV2 code, expiration date);
• If the site is using 3D Secure you will be redirected to the 3D screen where you enter the Secure password;
• The password will be automatically sent to your mobile number registered with the Bank. If you have not updated your phone number communicated to the Bank, please visit any Vista Bank branch for updating your data. The transaction cannot be performed without a valid mobile phone number registered with the Bank.
• Check the purchase amount and the merchant’s name and enter the password received by SMS in the "Password" field. Use large or small letters as they appear in the SMS.
• If you have not received the SMS, you can click on the link "Did not receive the SMS with the password?" and you will receive a new password. This case, the old password can no longer be used.

The transaction completion is confirmed by the site.

NEW – Visa^® Account Updater Service

In partnership with VISA, Vista Bank has recently introduced the Visa^® Account Updater (VAU) service, a free benefit available to all holders of Visa cards issued by the bank.

The new service ensures continuity of card payment services with those merchants with whom you have previously registered your card data, in order to perform:

• recurring payments (for example, payment of monthly / annual subscriptions by automatic debit initiated by the merchant) or
• regular payments (for example, payment to online merchants where you shop frequently: retailers, travel booking sites, event tickets, transportation, etc.).

Thus, whenever your card details (expiration date, card number) change by re-issue upon expiration or replacement of a stolen / lost card, you won’t have to worry about re-entering them on all the merchants websites where you have previously registered your card. These updates can now be performed automatically and securely through the VAU service offered by Visa.

This way, you save valuable time and avoid possible inconveniences caused by declined payments and delivery delay / non-delivery of ordered services due to outdated card information.

Important:

• The VAU service is a free benefit available to all Vista Bank cardholders, but it is activated only upon your request and with your consent;
• You can request at any time, free of charge, the activation or deactivation of the service by simply filling in a form in any Vista Bank unit;
• Your updated card information can only be sent to those merchants who have joined VAU (participating VAU merchants). If you are not sure if a merchant is a VAU participant, we recommend that you update your new card information directly with that merchant.
• Participating VAU merchants can be from Romania or from anywhere in the world.
• If the card is closed (either by your or by the bank’s decision), the VAU service forwards this information to the merchants to whom you have previously registered the card, together with the recommendation to contact you to determine how your commercial collaboration with them will continue.

We invite you to activate the new VAU service to benefit from the new facilities offered.

IMPORTANT: From January 1, 2021, the 3D-Secure authorization solution via SMS code for online payments with Vista Bank cards will be changed. In order to continue to make payments to merchants, under strict security, you may opt between: (1) install and activate the new Vista 3D Secure mobile application, completely free of charge and available on AppStore and GooglePlay – our recommendation OR (2) the solution with static password and unique code via SMS – which will be available in January.

Vista Bank provides you, free of charge, with the Vista 3D Secure authentication solution, a mobile application that allows you to conduct e-commerce transactions in strict security and with a simplified authentication process, with the help of biometric identification (digital fingerprint / facial recognition) or of other means that secure your mobile phone.

Since Vista Bank had already a 3D-Secure solution with dynamic correlation via SMS previously implemented, authentication through the Vista 3D Secure application will seem largely familiar to you. In short, the Vista 3D Secure mobile app will replace previous 3D Secure SMS authentication for customers who install their Vista 3D Secure app on an Android or iOS smartphone / tablet.

Please read carefully the Usage Terms and Conditions for 3D-Secure Service

Next, we will describe the steps for installing, registering, and using Vista 3D Secure.

A. Registration into the Vista 3D Secure mobile application

1. Download free of charge the Vista 3D Secure mobile app from the App Store (iOS) or Google Play Store (Android) on a smartphone or tablet.
2. Enter in the mobile application the valid mobile phone number registered with the Bank and the last 6 digits of the Vista Bank card number you want to enroll in the application. Important: Before registering, make sure that you have updated your personal data with Vista Bank, including the mobile phone number registered with the Bank.
3. Allow notifications from the app: during an e-commerce transaction, you will receive a “Push” notification via Vista 3D Secure to inform you of the need to confirm the payment.
4. You will receive on your mobile phone a unique, automatically generated SMS code. Enter this SMS code in the mobile application in the "SMS code" field.
5. Registration is complete! The above steps are performed only once, when registering into the application.

Note: If you have more than one card at Vista Bank, all of your other cards will be automatically enrolled in the application upon completion of registration according to the steps above.

The application allows you to authorize online payments made with the enrolled card (s), as well as view the History of recent transactions and their status (accepted, canceled, pending, expired).

From now on, your online card payments are easier and more secure! Vista Bank is making changes to online card payments to better protect you by increasing transaction security and to comply with the new legal framework in this field. Moreover, you benefit from a streamlined authentication process due to biometric identification methods (digital fingerprint / facial recognition).

For you, this means that when making online payments with the Vista Bank card in the European Economic Area (payments to online merchants) it is necessary to use the new Vista 3D Secure authentication solution, which complies with the Strong Customer Authentication (SCA) standard. More information about SCA and Vista 3D Secure compliance is available here.

To adopt the new solution, you have an adjustment period until the end of 2020, during which payments can also be made in the previous 3D Secure system. Given the advantages in terms of payment security, our recommendation is to adopt the new Vista 3D Secure solution as soon as possible and benefit immediately from the high level of security offered by the SCA standard.

What is the new legal framework that requires Strong Customer Authentication?

The changes in the field of online payments have a broader purpose and aim to protect consumers, reduce fraud and more strictly secure these transactions. The two regulations are:

• Law no. 209/2019 regarding the payment services and for the modification of some normative acts;
• Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication.

The new regulations require, among others, the use of Strong Customer Authentication (SCA) at online transactions.

What is Strong Customer Authentication (SCA)?

Strong Customer Authentication (SCA) in the case of online card payments (online payment at merchants / e-commerce payment) means that the identity of cardholders must be more strictly verified in the European Economic Area, using two of the three authentication methods presented below:

• Authentication methods based on knowledge (something only the customer knows): for example, password or PIN
• Authentication methods based on possession (something only the customer has): for example, a mobile device (smartphone, tablet) or other physical authentication device
• Authentication methods based on inherence (something the customer is): for example, digital fingerprint or facial recognition (biometric authentication).

Vista 3D Secure meets the new requirements, being a SCA compliant mobile application, certified by VISA International for the VISA Secure protocol and using:

• two authentication factors , the first based on possession (the application installed on a mobile device identified as being in the customer's possession at the enrollment stage, based on the phone number registered at the bank and the last 6 digits of the card, application that automatically generates a OTP unique code (one time passcode) for authorizing each transaction), and the second based on inherence (confirmation of the transaction by digital fingerprint / facial recognition) or knowledge (mobile phone security code).
• dynamic correlation protocol, a security measure by which you are informed on a second communications channel (in the Vista3D Secure application installed on your smartphone / tablet) about payment details (merchant name and payment amount) in the payment confirmation phase (to allow you to decide whether or not to authorize the respective online card payment)..

Note: The Bank does not process biometric data (digital fingerprint, facial recognition). This verification, part of the SCA, is performed strictly at the level of the user's mobile device (smartphone, tablet), the bank not having access to this data.

Out of scope SCA Transactions (exceptions to the application of the SCA):

• Transactions with virtual merchants outside the European Economic Area;
• Payments periodically initiated by merchants to the card account, based on a debit agreement previously expressed by the cardholder (eg. subscriptions).