Mastercard Gold

Mastercard Gold debit card with contactless payment technology allows you easy payments and cash withdrawal at all ATMs – in the country and abroad and additional benefits as well. The Mastercard Standard also has its digital version in the OTP m-bank app before the issuance of the physical card.

The card features

Have a look at the possibilities offered by the debit card:

Contactless payment
Cash withdrawals at ATMs and goods and services payments in the country and abroad
On-line payments
The digital version of the card can be used immediately upon opening the account package and activating services for online payments, mobile wallet payments, and cash withdrawals in dinars at contactless ATMs
With Mastercard® Gold debit card you have free access to Business clubs at 3 airports. More details.
Mastercard® debit cards offer additional benefits. You can follow the current promotions at the official web site!
WORLD of discounts – with our payment cards get discounts from our partners.

Mastercard Gold debit card in digital version

The Mastercard Gold debit card is available in digital form in your OTP m-bank app even before you receive the physical card.

The digital Mastercard Gold debit card allows you to make quick and easy online payments, withdraw dinars from contactless ATMs, and add it to your Apple Pay or Google Pay wallet.
Card details, such as the card number, expiration date, and CVC code, are stored in the app, eliminating the need to manually enter them during online payments—you can simply copy them.

Mastercard® Gold can be issued within our account package and Praktik services. Discount on monthly maintenance, e-bank, m-bank is just a part of the package. If you use our Mastercard® Gold card for payments this package can be even 0 RSD! Find out more Account Packages. If you don’t have Praktik package, have a look at how you can get it on the page Account Packages.

All debit Mastercard® cards have contactless payment technology. For contactless transactions up to 4000 RSD PIN is not required, while for the amounts over 4000 RSD you have to enter the PIN. The first transaction with the card must be the standard one – with entering the card to a terminal and entering PIN code (it does not have to be payment, it can be checking the balance statement at an ATM).
The use of the card is flexible in the sense that all funds in RSD and EUR, which you have on the accounts related to the card, are counted in the available balance.
All users of the payment cards issued in our bank are allowed to use free 3D Secure service that additionally secures card payments by internet. Find out more.
If you use the Mastercard® Gold card for payments or cash withdrawals in the country, funds from the RSD payment account will be debited for the amount of that payment transaction and related costs. If there are not enough funds on the RSD payment account for the transaction, and a foreign currency account in EUR is linked to the card, for the total amount or for the difference that is not charged from the RSD payment account, the available funds on the foreign currency account in EUR are debited. For conversion from RSD to EUR, the Bank’s foreign exchange rate on the date of the transaction is applied.
Also, if you use the card for payments or cash withdrawals abroad, for the amount of the transaction and related costs, the available funds in the foreign currency account are debited in EUR. If your debit card is not linked to a foreign currency account in EUR or there are not enough funds in that account to cover the transaction, for the total amount of the transaction or for the difference that is not charged from the foreign currency account, funds are debited on the RSD payment account. For conversion from EUR to RSD, the Bank’s foreign exchange rate on the day of the transaction is applied.

Withdraw cash in Maxi and Shop&Go stores

In all Maxi and Shop&Go stores, the “Podigni keš” (Withdraw cash) service is enabled, thanks to which you can also withdraw money from the cash register in the amount of up to 5,000 dinars with the purchase of goods.

In certain countries there are restrictions on the use of cards to avoid frequent fraud.
• restriction of all transactions including the use of ATM – Brazil, Jamaica and Benin
• ban on the use of chipless cards at ATMU – Indonesia, Peru, Philippines, Costa Rica, India, Nepal and Thailand
• ban on the use of cards on the Internet – Nigeria

If you are traveling to one of the mentioned countries, you can call our contact center and request that you be allowed to use the cards temporarily, during your stay in those countries.

In case of card loss or theft, notify Contact Center of OTP bank in the shortest time possible by dialling the following phone number: +38111 30 11 555

Give us a call and your card will be blocked that very moment.