The only thing you need to do is to open a current account in a bank - issuer of DinaCard and fill in the application form for DinaCard.

• Debit DinaCard is issued free of charge (without admission fee or annual membership fee);
• You do not have to carry cash with you all the time, or queue at the bank in order to withdraw cash from your account. With DinaCard you have the largest acquiring network at your disposal. You can pay goods and services in 58,000 merchant stores, in the country, and withdraw cash on more than 2,800 ATMs at any time
• In case of lost/stolen card, the card is blocked immediatley after reporting it to your bank; in this way you are completely secured against unauthorised use of your card on the side of other person(s).

DinaCard can be used for paying goods and services in all the retail stores with DinaCard sign on them. When using DinaCard in a retail store, you hand your card to the merchant who first checks it visually. The card has to be signed. If merchant requires so, you should show your ID as well. After this check, the merchant slides the card through the POS terminal, inputs the amount of purchase by which the process of payment is initiated.

If you have enough funds on your bank account the transaction is approved, and two copies of slip (receipt) are printed on the POS terminal. You sign one copy of the slip, which remains in possession of the merchant. Before signing the slip, you should check the amount on it. The second copy of slip remains with you, and you should keep it until comparing it with your bank account statement. If there are any discrepancies betweeen the slips you have kept and entries in your bank account statement, you should inform your issuing bank about it and, if necessary, initiate the chargeback process. Banks define deadlines for chargeback initiation, and therefore it is important to check your account statements regularly.

Sometimes, the merchant can ask you to enter your PIN code on POS terminal. Before entering it, you should first check the amount of purchase on POS terminal display.

DinaCard cardholders have no fees for purchase transactions. Their accounts can be debited only for the amount of purchased goods or services.

Cash can be withdrawn with DinaCard on all the ATMs in Serbia with DinaCard sign on them.

When using DinaCard on ATM, you first insert your card into the ATM, and following the instructions on the display, enter your PIN code and the amount of money you wish to withdraw. If you have enough funds on your bank account, the cash is disbursed and the receipt printed. It is not necessary to sign this receipt. You should keep receipts for ATM disbursed cash, in order to compare them later with your account statemen.

If your card is kept in the ATM, you should inform your issuing bank about it immediately. Issuing banks in most cases do not charge their cardholders for withdrawing cash on their own ATMs. For using an ATM of a bank other than yours, your account will be debited both for the amount of cash withdrawal and for the amount of withdrawal fee.

When withdrawing cash with your DinaCard in a bank, you hand your card to the employee of the bank who initiates the procedure of cash disbursment. If the bank employee requires so, you should enter your PIN code on the POS terminal. If you have enough funds on your banks account, cash is disbursed to you and you receive the receipt for this transaction. You should keep this receipt for checking it against your bank account statement.

Issuing banks in most cases do not charge their cardholders for withdrawing cash in their own branches and outlets. For withdrawing cash in another bank, your account will be debited both for the amount of cash withdrawal as well as for the amount of withdrawal fee.

This service enables the top-up of one’s own or other persons’ pre-paid mobile phone accounts and payment of one’s own or other persons’ bills by mobile phone. The service, for the time being, enables payment of mobile and landline telephony bills only, but will soon be extended to include payment of other bills, e.g. electricity and utilities. At present, Telenor customers can use the service of topping-up pre-paid mobile phone accounts, while the customers of Mobile Telephony of Serbia can use both the service of topping-up pre-paid mobile phone accounts and the service of bill payment. The m-payments service is available to both pre-paid and post-paid mobile phone users who are at the same time DinaCard holders. The service can also be used in roaming. The only condition for using this service is user registration by the issuing bank.

If you are a DinaCard holder and wish to register for the m-payment service, contact your bank for detailed information. The list of banks which offer this service is available here. After registration, you will be sent an SMS with your mPIN, i.e. the code for confirming all your future m-payments. You should not disclose your mPIN (just like you “regular” PIN, received together with your payment card) to anyone. M-payment transactions are subject to daily and monthly limits.

Topping up your mobile phone account or paying your bills by mobile phone is very easy. First, you send an SMS to the specified short number. You then receive the request to confirm the transaction by providing your mPIN. Finally, you receive a message confirming that the transaction was successfully completed. Your bank will provide you with detailed instructions on how to top up your phone account or pay your bills. For further information about this service, visit the website of the Mobile Telephony of Serbia:

• mobile phone top-up – www.mts.telekom.rs/index.php/SMS_dopuna_prepaid_kredita.html
• mobile phone bill payment – www.mts.telekom.rs/index.php/sms-placanje_postpaid_racuna.html
• landline telephony bill payment – www.mts.telekom.rs/index.php/sms-placanje-racuna-za-fiksni-telefon.html

or the website of Telenor:

• mobile phone top-up - www.telenor.rs/?section=private&page=4215

mGovernment is a service enabling users registered for m-payments to order copies of documents from the municipalities included in this system via Web or WAP Mondo portals. This facility enables ordering copies of personal documents, and the amount charged includes all related administrative taxes. To access this service, you need to be a DinaCard holder registered for m-payments by the issuing bank. For the time being, it is possible to order birth certificates from the municipalities of Inđija, Kruševac, Kanjiža and Vranje, but the service is soon expected to include other personal documents and other municipalities as well. Detailed information relating to the mode and costs of using this service is available on the following website: www.mtsmondo.com or via link: http://195.178.43.29/MGovernment/default.aspx.

Another service offered to all DinaCard holders is money transfer from abroad. The money transfer procedure is fast, simple and involves minimum costs to either the remitter or the receiver. The remitter needs to specify the DinaCard number of the receiver. Money is then transferred via banks or other legal entities registered for this service abroad. The costs for the remitter are much lower than those charged when money is remitted via a bank, while the costs for the receiver depends on the issuing bank. Money is paid out in dinars, at the middle exchange rate of the National Bank of Serbia on the date of payment, no later than two business days after the payment is made.

Money can be remitted to DinaCard holders from over 100 countries all over the world, including Germany, Great Britain, the Netherlands, Italy, Russia and Canada. Click here for a list of addresses in Germany from which money can be remitted. For further information about this service, call:

• the USA and Canada: (800) 500 3994
• Spain: (900) 805 367
• Italy: (800) 940 004
• France: (800) 777 858
• Great Britain: (800) 180 940
• Germany: (0800) 372 4742
• Sweden: (867) 975 09
• Switzerland: (800) 372 372
• Ireland: (800) 930 169
• Belgium: (800) 99 325

Money transfer from abroad is effected via the company Ria Financial Services, the third largest global money-transfer company. For further information about this company and contact telephone numbers for individual countries, follow this link: www.riafinancial.com.

DinaCard is an instrument of non-cash payment, and it should be kept in a safe way. The card can be used only by the cardholder, i.e. the person whose name is printed on the card.

After receiving the envelope containing PIN, you should remember this number and destroy the envelope. Your PIN should not be disclosed to anyone in order to prevent misuse of your card at the ATMs.

In case of a lost/stolen DinaCard, it is necessary for you to inform your issuing bank about it as soon as possible. The card will be blocked immediatley, and it will not be possible for anyone else to use it.

You are responsible for all the expenses made by your DinaCard until the moment of reporting the lost/stolen card to your bank. In case you find your missing card (previously reported as lost/stolen) afterwards, you must not use it, but return it to the issuing bank.