Card safety

Cembra monitors accounts for suspicious credit card activity 24 hours a day. If required, Cembra may contact customers to verify certain transactions, so you might receive a call or a text message (SMS) from us. For security reasons, Cembra may also block credit cards to prevent unauthorized activity. If your credit card does not work as expected, please call the number on the back of your card: +41 (0) 44 439 40 20. If there is an increased risk of fraud, Cembra will replace your card free of charge.

• Change your PIN-code if needed at an ATM. The newly chosen PIN-code should not contain easy-to-guess combinations such as your phone number, date of birth or car license plate number.
• Never keep the record of your PIN-code together with your card.
• Always enter your PIN-code discretely to prevent possible observation by third parties.
• Treat your card with the same care as cash.
• Check your monthly credit card bill for unauthorized transactions. If any such transactions are found, please call +41 (0)44 439 40 20 immediately.
• Call +41 (0)44 439 40 20 if your card was lost or stolen. The number can be called 24 hours a day, and the card will be blocked and a new one issued to you free of charge.
• Mastercard ID Check transactions (3-D Secure): For Mastercard ID Check transactions, please always check the merchant name and amount displayed in the SMS or on the authentication screen in the Cembra app. The transaction may only be confirmed if the details match the desired transaction and the SMS code has been entered or you have pressed the confirmation button in the app.
  
  You can also find more information about Mastercard ID Check here: Credit card security (cembra.ch)
• Activation of credit cards in wallets (mobile payment such as Apple Pay, Samsung Pay, Google Pay, Garmin Pay, etc.):
  The SMS code received to activate the wallet may only be entered in your electronic device. Never pass the code on to third parties or use it on websites.
• If your credit card has a signature field on the back, please sign your credit card as soon as you receive it.

Treat the card with the same care as cash and regularly check whether you are in possession of the physical card!

In this case, please call the number +41 (0)44 439 40 20. The respective card will be blocked. You can also block the card in the Cembra app if you are on hold on the phone.

Fraudsters constantly find new ways and methods to access customer data:

• Malware
  The term “malware” stands for all kinds of potential harmful software (e.g. viruses, trojans), which may smuggled onto your computer system by fraudsters.
• How can I protect myself from malware?
  Always install and activate an updated version of a firewall and virus scanner on your computer. More information on how to protect yourself online can be found under “General internet security recommendations”.
• Fraudulent phone calls
  Fraudsters may also try to get your personal data by calling you – for example, by purporting to be computer experts from known software companies, then claiming that your computer has security issues and offering to fix them immediately. As “compensation” for this service, they will ask you to reveal your credit card details in order to charge a fee for their services. Never disclose your credit card details in such cases. If you have revealed your credit card details to someone else, please call us immediately at +41 (0)44 439 40 20.

• Always use an updated version of anti-virus-software with your pc and ensure that your operating system (such as Windows) and internet browser are up to date with security updates.
• Use spam filters to protect yourself from unwanted e-mails and phishing-e-mails. You should be careful with disclosing your email address.
• Do not open e-mails from unknown sources or with unexpected attachments.
• Do not reply to e-mails or links that ask you to enter your personal data. Even if the sender is Cembra.
• Always protect your privacy. Never enter your personal details (such as mobile phone number or credit card number) on suspicious websites.
• Don’t install software from untrustworthy providers

More Information:
Card-security.ch: Pay securely with your card. - Types of fraud