At CIB Bank we are taking the issue of minimising the chances of infection with coronavirus very seriously. We have taken numerous steps recently to protect the health of our customers and our colleagues, and we will continue to do all we can in the interest of this matter. We are following the guidelines, restrictions and directives of the Hungarian Government and of the relevant Hungarian authorities, and we are complying with the WHO recommendations as well. 

Our branches remain open for our customers, but we have introduced a few restrictions to help reduce the chances of infection.

• After 1 PM (or in case of our Westend and Allee branch after 3 PM) we can only welcome customers in our branches who have preciously been given appointments by our colleagues. Please be sure to check the one’s opening hours before you wish to visit.  You can find the details on the following link: www.cib.hu/fiokok, which is constantly updated.
• It could occur, that we only let in a limited number of customers into our branches at one time. We ask all other customers to please wait outside, in front of the entrance.  
• For the protection of our clients and colleagues, it is mandatory to wear a mask in our branches, and in accordance with the law, the mask must constantly cover the nose and the mouth.¹ Our colleauges act accordingly.   
• A protective plexiglass is installed on the desks in branches to minimalize the risk of infection during banking in person.
• We ask our customers not to visit our branches if:
  • they have come into contact with a person who is infected with coronavirus or they themselves feel they may have symptoms of the disease
  • they are  residents or employees of a property or institution that is subject to epidemical quarantine.
• We can welcome these customers in our branches at the earliest in 10 days from the occurrence of any of the above incidents.
• Processing and customer service at our branches will be slower than usual, and therefore, and also to help reduce physical contact with other people, we would ask you to please use our digital channels or our CIB24 call center if you possibly can.

• If you are the sole holder of your account, you can conclude a contract for digital services via our CIB24 telephone customer service.
• If you have a business account or an account with more than one holder, or if you have forgotten your CIB Telephone ID Code (T-PIN) or the answer to a security question, you can only request that the digital channels be set up for you at our branches. 
• The mobile application can be downloaded from the app stores, while our internet banking service is available via www.cib.hu, if you click on Login on the upper right side of the page. 
   

Based on the Government Decree no.60/2020 (23 March), from 15 April 2020, the strong customer authentication limit of individual contactless bank card payments increases from 5,000 to HUF 15,000.

In order for the POS terminal not to request a PIN code for transactions that don’t exceed HUF 15,000, the following three conditions must be met:

• The POS terminal has been modified to comply with the above.
• The change does not affect the regulation introduced for PSD2; it continues to apply. Thus, if the total value of the card holder’s purchases made with contactless payment, without entering the PIN code, reaches the amount corresponding to EUR 150, the terminal will also ask for the PIN code even in case of a transaction below HUF 15,000.
• Bank card settings have been modified. 

In the case of bank cards issued by CIB Bank, we will proceed as follows:

• For all Mastercard bank cards and for all Visa bank cards replaced since October 2018 or expiring after September 2021, a PIN code is not required for transactions up to HUF 15,000 (except in the cases detailed above due to PSD2 compliance and POS terminal settings).
• In case of the Visa bank cards replaced before October 2018 or expiring before October 2021, if you wish to increase the limit to HUF 15,000, please indicate on our 24-hour CIB24 call center at the phone number (06 1) 4 242 242 and we will replace your bank card for free. 

Please note that when using the Apple Pay service, most POS terminals do not require a PIN code regardless of the amount of the purchase. Apple Pay is available with all CIB Mastercard and CIB Visa Inspire contactless bank cards issued by CIB Bank.  

Have you paid for any trips in advance, or has the concert that you’ve bought a ticket for been cancelled? If you paid using your debit or credit card, we can help you. 

• If the vendor cancels the service, the amount of the transaction must be credited back to your account within 15 days. If this does not happen despite the negotiation with the vendor, call CIB24 and we’ll help you!
• If you’d like to cancel a service that you’ve already paid for, please check to see if it can be cancelled:
  • If it can’t be cancelled: unfortunately we can’t help you get your money back.
  • If it can be cancelled: please proceed in accordance with the cancellation terms set out in the General Terms of Contract. If it’s cancellable, the vendor should repay the price of the service to you within 15 days from the date of cancellation. If the money doesn’t arrive despite the negotiation with the vendor, call CIB24, and we’ll help!

With respect to governmental measures affecting retail and corporate lending, more information is available here.