Notification to cardholders of payment cards Maestro and MasterCard
Payments by card at merchants
In the countries of the European Union and further in Norway, Liechtenstein
and Iceland merchants can add a surcharge to your purchase for paying by card
Maestro or MasterCard.
Such surcharge is at the sole discretion of the merchant and its
amount must not exceed the cost demonstrably related to the merchant's cost of
card acceptance (e.g. telecommunication fee or fee for transactions processed
by the bank).
Merchants are required to notify the application and the amount of the
surcharge to cardholders in advance, mostly through a written notice placed
near the checkout.
The charging of this surcharge was allowed by the MasterCard
Association with effect from January 1, 2005. Česká spořitelna does not
charge any surcharge or fee for payment by card at merchants.
ATM withdrawals abroad
When you make a withdrawal from an ATM abroad, the ATM owner may charge you
an additional fee to the withdrawal amount - the access fee.
You must be notified of the fee on the ATM screen (amount, manner of
calculation, ATM owner’s name) in the same language you have chosen for the use
of the AMT. If you do not agree with the fee, you must have the option to
cancel the withdrawal.
On the withdrawal receipt, the fee amount must be stated separately from
the withdrawal amount.
The MasterCard Association enabled ATM owners to charge this fee with
effect from December 1, 2009. Česká spořitelna charges clients who withdraw
cash at ATMs abroad a price according to the List of Charges of Česká
Risk countries for the use of Maestro and MasterCard cards
In accordance with the anti-terrorist laws and security measures, the
MasterCard Association does not permit the use of Maestro and MasterCardcards
in the following countries:
You should be aware of this fact when travelling in the above countries.