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 for everybody – except for  minors under the age of six – 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. 
   

Under Government Decree no.60/2020 (23 March) and the related Act LVIII/2020 on the transitional rules related to the termination of the state of danger and on the epidemiological preparedness, the strong customer authentication limit for individual contactless bank card payments increased from HUF 5,000 to HUF 15,000. 

For our customers who have a Visa bank card expiring between December 2020 and September 2021, we provide two options for setting the increased limit:

• Execution of a transaction through ATM using the affected bank card, which can be cash withdrawal, cash deposit and balance enquiry. The transaction can be executed through an ATM operated by any bank. The minimum amount of the cash withdrawal or cash deposit depends on the given ATM. 
• Purchase of any amount through a POS terminal using the affected bank card in a manner that the bank card is inserted into the terminal. 

It is sufficient to complete one of the above two options in order to increase the limit for contactless payment to HUF 15,000. 

The limit will be automatically set and you have nothing to do if:

• You have a Mastercard bank card.
• The expiry date of your Visa bank card is not between December 2020 and September 2021. That is, you do not have to do anything if your Visa bank card is renewed in October or November 2020, the new card already has/will have the new limit set. 

For more information, please call our 24-hour CIB24 telephone customer service at (+36 1) 4 242 242.

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!

More information is available here on how moratorium affects retail and corporate lending.