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Anti fraud tips for ATM
and Credit Cards


Our Credit and ATM Cards provide you a fast, convenient and reliable way to make cash withdrawals or pay for your purchases 24 hours a day, wherever you happen to be.

To protect your Credit and ATM Cards from fraud when using them at home or abroad, there are number of security tips you should follow:

  • Make sure to sign the back side of your card with a ball pen immediately after you receive it.
  • Do not allow anyone else to use the card.
  • Never tell your PIN to anyone, not even Bank employees.
  • Do not keep record of your PIN together with your card even if it is disguised as a telephone number. This can be easily deciphered.
  • Do not disclose card related data such as Card Number or expiry date via email and ensure that all transactions are conducted in your presence.
  • Be wary from any person offering assistance when you use the ATM, especially if you have not requested such assistance and the person is not a Bank employee.
  • Before effecting any transaction over the Internet, go through the terms and conditions in details paying special attention to parts printed in small letters.
  • Do not leave your card unattended in a public place.
  • Before effecting a purchase, hotel or car rental reservation over the Internet, search for reviews or forums related to product or service to confirm whether the merchant can provide what is promised on the website.
  • Do not store your personal card details on your computer or laptop especially PIN or CVV2 details (the 3-digit security code on the back of your card).
  • Report lost or stolen cards to Bank immediately.
  • Always check transaction receipts including purchase amounts before signing them.
  • Keep the transaction and ATM receipts to reconcile them against monthly statements.
  • Always check the Credit Card billing statements, especially after travelling. Check the purchase amounts against transaction receipts. Specifically, look for transactions that are not authorized.
  • Never pass your Credit or ATM Cards to anyone else or allow anyone to have access to your cards. If a Credit or ATM Card is borrowed by a family member (spouse, child, and parent), with or without your knowledge, you become responsible for their purchase, cash withdrawal or cash advance.
  • Make sure that the receipts are provided after each transaction.
  • Destroy any unwanted financial documents, including credit card transaction receipts, ATM transaction records, Credit Card and Bank statements.
  • If you have a suspicion that your PIN is known to someone else, immediately inform the Bank.


Note: In case of discrepancies between the Armenian and English versions of this page, the Armenian version shall prevail.

Last updated on: 03/05/2011 14:00