• Drawing cash at ATM machines and payment for goods and services, domestically and abroad, at POS terminals with VISA logo
  • Online payment Customer spends the amount of money deposited in the account the VISA card is linked to
  • Cash is available 24/7
  • VISA Classic Debit card is obtained after opening a current account with Universal Capital Bank and submitting a card application form. The main VISA Classic Debit card is issued per one current account. On the basis of one main card, several additional cards may be issued. The account of the holder of the main card is debited for all transactions made by additional VISA Classic Debit cards
  • The card is issued and is valid until the date stated on the card (48 months) and is automatically re-issued upon the expiry of that date
  • Monitoring payments via the card is enabled through SMS service activated upon submitting a request
  • For contactless transactions up to 40 EUR, entering PIN code is not required. For amounts above 40 EUR, cardholder PIN input is required.
  • VISA cards are 3Ds secured in order to provide additional security while shopping online and transaction validation can be executed via biometrics (fingerprint or face-recognition)

Who can be a VISA Classic Debit Card user?

All Montenegrin citizens of legal age or foreign residents can be VISA Classic Card users.
Loss or theft of a payment card can be reported to:

Call Centre
(24 hours a day, 7 days a week)
+382 20 481 440

For any additional information on VISA Classic Debit Cards you can obtain by dialing the following numbers:
+382 20 481 423 or by sending an e-mail to [email protected]

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