Security measures


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In order to increase the security level of your cards, we invite you to familiarize yourself with our recommendations. This will ensure maximum safety of the bank card, its details, PIN and other data, as well as reduce possible risks when making transactions using a bank card.


1. General security measures and risk minimization

1.1. Upon receipt of the Card, be sure to put your signature on it.

1.2.PIN code (Personal Identification Number) is a combination of numbers containing 4 characters and designed to identify the Card holder and protect against unauthorized use of the Card.

Information about the PIN-code should be known only to you. No one has the right to ask you to provide the PIN code of the Card.

1.3. Do not store the PIN and the Card together, do not write down the PIN on the Card itself.

Remember the PIN-code, or keep it separately from the Card in a place inaccessible to other persons.

1.4. Do not give the Card to third parties for any transactions.

1.5. To reduce the risk of fraudulent transactions when visiting countries with a high level of fraud (countries in Africa, countries in Southeast Asia, countries in Latin America, Moldova, Ukraine, Turkey, the USA), carefully follow all the security measures set out in this Leaflet.

1.6. Keep receipts confirming payment for goods and services for a year from the date of the transaction with the Card. If the transaction, for some reason, did not take place, keep receipts for unsuccessful transactions using the Card and / or alternative payment (cash payment using another Card), if any.

These documents may be required to confirm the legitimacy of a transaction made using the Card, or to resolve disputes.

1.7. Regularly (at least once a month) check your payment account statements. If you have any questions related to the transactions performed on the account (unauthorized write-offs or erroneous accruals), immediately contact the branch of RSK Bank OJSC (hereinafter referred to as the Bank).

1.8. To ensure control over transactions using the Card, you can use the "SMS notification" service. Using this service, you can receive information about the available balance after making transactions on the Card, notifications about the receipt of funds to the account and debit transactions on the account.

The service is activated at the Bank's ATMs.

1.9. To minimize financial losses from fraudulent transactions with your Card, you have the opportunity to set limits on the amount of transactions with the Card (for each transaction, for transactions within 24 hours), both separately for cashless payment transactions for goods (works, services) and / or operations of receiving cash, and for all operations.

For the same purpose, the Bank may set a limit on the receipt of cash at ATMs during the day.

1.10. When receiving any requests (by e-mail, phone or otherwise) with a request to confirm personal data and information about your Card, do not transmit information on your Card (PIN code, Card number, Card expiration date, CVV2 - security code), because how these messages are used by attackers in order to obtain confidential information for subsequent use for fraudulent purposes. Be careful: the messages may look like real official messages (they may have the style of a business letter, contain links to existing sites or sites well disguised as sites of well-known organizations, informing can be carried out automatically using "electronic voice"), and may also transmit malicious programs that are computer viruses that allow you to illegally obtain personal information.

Upon receipt of such messages (requests), immediately contact the Bank's call center by phone. For information interaction with the Bank, use the means of communication (telephones/faxes, regular and e-mail), the details of which are specified in the documents received directly from the Bank.

1.11. For safe use of Internet resources, use the addresses of official Web sites. These measures are related to the appearance on the Internet of Web sites imitating Internet representatives of the Banks of the Kyrgyz Republic. The domain names (addresses at which the company offers services over the Internet) and the style of these sites are usually similar to the names of the banks' actual Web sites.

The use of such details is risky and may lead to undesirable consequences (including financial losses). In case of self-identification of a false website of the Bank or receipt of information of this kind by e-mail or otherwise, immediately contact by phone (312) 65-03-85 or 65-02-73 with the call center of the Bank.

1.12. Update your contact details so that the Bank has the opportunity to contact you by phone/e-mail/sms, for example, in the event of a suspicious transaction on your card.

2. Precautions when making transactions using the Card

2.1. Make all transactions with the Card in trade and service enterprises only in your presence. Do not allow employees of trade and service enterprises to take your Card to another room and do not allow the Card to be lost from your field of vision during transactions, since in such cases information from your Card can be copied using special equipment and used to make a fake card for the purpose of gaining access to your payment account.

2.2. Before signing the check, make sure that the document correctly contains all the data about the operation being performed. If you find inaccuracies in the specified information, refuse to sign and ask to cancel the operation. In case of cancellation of the operation, you must receive a receipt for the cancellation of the operation.

2.3. Do not leave blank checks with your Card imprint in trade and service enterprises, i.e. checks that do not have your signature or transaction amount.

Unfilled, as well as "spoiled" checks should be destroyed by an employee of the trade and service organization immediately, in your presence.

2.4. Do not throw away and do not leave payment documents for transactions with the Card in trade and service organizations, as the full number of the Card may be imprinted on them.

2.5. When entering a PIN code during a transaction at a trade and service company, make sure that it is entered on a special device (PIN pad or via the POS terminal itself) directly connected to the cash register or POS terminal. Do not fall for the offer to enter the PIN code twice on different devices in the same place, except in cases of repeated payment or cancellation of the operation.

2.6. We would like to draw your attention to the fact that an employee of a bank or a trade and service company, when carrying out a transaction with the Card, has the right to demand a document proving your identity.

2.7. The card can be withdrawn from you at the request of the Bank by an employee of the bank or trade and service enterprises in which you pay for goods/services using cards. In this case, you must definitely obtain an act of withdrawal of the Card and immediately contact the Bank to block the card.

2.8. Do not forget to collect the Card after the transaction, making sure that the returned Card belongs to you.

2.9. Present the Card for payment only in those trade and service enterprises that evoke confidence. Take special care when carrying out transactions using the Card in the following trade and service organizations:

•• entertainment centers

•• jewelry stores

•• travel agencies

•• Internet services (booking tickets, paying for goods/services, booking hotels, etc.)

It is especially important to keep this in mind when traveling in countries of Eastern Europe, the Asia-Pacific region, in countries with a high level of fraud, indicated in clause 1.5.

2.10. To minimize the risks of your Card, refrain from receiving cash in trade and service enterprises that, in addition to selling goods, are engaged in cashing out funds. For these purposes, use cash points or ATMs located in safe places (bank divisions, government agencies, large shopping malls, hotels, airports, etc.).

2.11. Before carrying out a transaction at an ATM / self-service terminal, inspect its appearance. When detecting devices that cause suspicion (overlay on the card reader, overlay on the keyboard for entering a PIN code, overlay on the front side of the ATM or next to it, into which a camera can be mounted, etc.), wires and foreign products do not insert the Card into the reader. If possible, contact the organization that installed the ATM / self-service terminal to report suspicious devices found.

2.12. In order to prevent fraudulent transactions and in accordance with the recommendations of international payment systems, the Bank installs special typical blue overlays on ATMs to avoid unauthorized copying of magnetic track data of cards. If there is information on the ATM screen about the appearance of the anti-skimming pad for additional security, check the appearance of the existing pad with the proposed image. If there is a discrepancy, contact the call center by phone.

2.13. If you notice suspicious people near the ATM, it is recommended to perform the transaction at another ATM installed in a well-lit and a safe place or at a cash point.

2.14. We draw your attention to the following: a payment card reader to provide access to special closed premises where ATMs are installed and other self-service terminals, should not require entering a PIN code. If a device requiring a PIN code is installed at the entrance to the premises, do not use it.

2.15. When performing an operation with entering a PIN code, make sure that the PIN code entered on the keyboard is not visible to others, for this, for example, close the keyboard with your other hand to avoid the possibility of video recording your actions and viewing information about the PIN code being entered from the outside. Do not resort to the help of unauthorized persons when carrying out transactions with the Cards.

2.16. If your Card is seized by an ATM / self-service device due to technical problems, immediately contact the Bank servicing the ATM / self-service device to clarify information when and where you can receive the Card. It is recommended to temporarily suspend the Card (temporarily block the Card) by contacting the Bank's call center by phone.

2.17. In case of non-receipt of all or part of the requested amount at the ATM or problems occur during the investment transaction (on devices with the cash acceptance function), contact the Bank to file a statement about the problem.

• In cases where you think that your PIN-code has become known to strangers, you have suspicions of illegal use of your Card, the Card has been lost, stolen or seized by an ATM, you should immediately contact the Call Center of the Bank by phone, or personally apply to the Bank with a request to block the Card and order a new Card. 


3. Security measures when making cashless payment transactions for goods (works, services) via the Internet, telephone / fax, mail.

3.1. When carrying out non-cash payment for goods/services via the Internet, telephone/fax, mail, you may be asked to indicate CVV2 (three digits of the security code). This value is located on the reverse side of the Card (the last three digits printed on the signature strip or to the right of it in a special field) and serves for additional verification of the client by the Bank.

3.2. Entering the PIN-code to identify the Holder is supposed only when carrying out transactions with the Card in the presence of the Holder himself at terminals with the function of reading card data and only with the help of a special device - PIN-pad: a keyboard connected to a payment terminal or cash register. In case of

operations of non-cash payment for goods/services via the Internet, telephone/fax, mail, the provision of information about the PIN code should be excluded.

3.3. When conducting transactions in online stores, check that the store has published obligations for the protection of customer data, is certified by the VISA payment system, and the site contains the contact details of the organization. If possible, make sure that the address and phone number listed on the site are correct. The input of the required data must take place in a secure channel using the HTTPS protocol.

3.4. Be careful, Web sites can be used by scammers to obtain confidential information (to order a product/service, customers are asked to fill out electronic forms and indicate the details of payment accounts, cards, including a PIN code).

There are, for example, such types of fraud as the twin site of a well-known online store; "One-day shop"; site that represents a real non-existent organization, etc. Be careful when conducting transactions via the Internet and providing your personal information and information about your Cards.

3.4. In order to avoid fraud on your payment card, the Bank advises you, after using your Payment card in one of the following countries, to apply to the Bank for blocking or reissuing your card to a new card:





•Hong Kong







It should be remembered:

• The Bank is not responsible for transactions made on fraudulent sites.

• The Client is responsible for all transactions made with the Card (including Internet transactions) performed using the card details, as well as for all amounts debited from the customer's account.

• The client bears all the risks associated with Internet transactions.

• The Bank is not liable if the transaction fails due to circumstances beyond the control of the Bank.