The Bank of Sharjah “Chip & PIN” Debit MasterCard offers you a payment card with enhanced chip features, combining the convenience of a chip-enabled card with a greater level of security, thus falling in line with the Central Bank strategy to combat debit card fraud.
The Bank of Sharjah Debit Card provides instant access to your account(s) at any ATM across the GCC countries or worldwide ATMs that accept MasterCard.
In addition, Bank of Sharjah Debit MasterCard can be used for retail purchases or services at any establishment worldwide that accepts MasterCard.
The Bank of Sharjah Debit Card offers Enhanced Security & Secure Spending:
You will be required to enter your PIN (Personal Identification Number) when you make a transaction at a chip terminal (and no signature will be required), helping protect the card from unauthorized use. Your PIN is the key to using your card; it will become extremely important to remember your PIN as more and more merchants begin to replace their magnetic stripe point-of-sale terminals with terminals enabled to process Chip & PIN cards - and to keep your PIN secure and safe just like you do with your card.
Never worry about lost/stolen cards - Quickly activate or deactivate your debit card with just one click using the Debit Card on/off feature available in eBOS Internet Banking and Mobile App.
Bank employees will never ask for your
Sharing your details can lead to unauthorized transfer of money from your account
3 simple steps to make retail purchases with your Bank of Sharjah
Chip & PIN Debit MasterCard:
Present your MasterCard
Present your Bank of Sharjah Debit MasterCard to the merchant. Rather than swiping your card, the merchant will insert it into the terminal.
Enter your PIN
The merchant will ask you to enter your PIN. Enter your 4 digit PIN which was given to you, by Bank of Sharjah, along with your card.
Once your transaction is processed, your card will be returned to you with a sales receipt. Signature is not required.
A Chip and PIN card is issued by banks to mitigate the risk of fraudulent activities on your card at ATMs and merchant outlets.
To change your PIN, visit any Bank of Sharjah ATM and select More Services option and then Change PIN (You must know your current PIN to change it).
No. Since your debit card is linked directly to your bank account, it has potential vulnerability if someone steals your debit card number. Therefore, e-Commerce transactions are not enabled for Bank of Sharjah Debit MasterCard to protect you from being a victim of fraud.
You may not be aware that your card has been used fraudulently until:
You receive an SMS message notifying you that a transaction was done using your debit card which you did not authorize by yourself.
You receive your statement and there are charges for purchases you did not make.
You should block your card immediately through eBOS or the eBOS mobile app. Thereafter, you should contact us to confirm that your card is blocked and to request for a new card. To issue a new card, you can either visit your branch or alternatively call Bank of Sharjah Telephone Banking on 800-88-eBOS (within UAE) and + 971-6-5694411 (from outside UAE) Saturday to Thursday between 8:00am to 4:00pm UAE time (GMT+04:00).
Next, you must fill the ‘Transaction Dispute Request’ form which can be downloaded (from this link) or obtained from any Bank of Sharjah branch. This form must be filled for each disputed/fraudulent transaction by specifying the necessary details including, cardholder name, card number, merchant name, transaction date & time, transaction amount and the reason for the dispute.
Bank of Sharjah will begin processing the transaction dispute as soon as you submit the signed dispute form to investigate the incident with UAE Switch or MasterCard (depending on each case).
A replacement debit card will be delivered to your branch within 2 -3 working days and you can collect it from the Customer Services department.
Your replacement card will have a new PIN that you can change at any Bank of Sharjah branch ATM. You will need to collect the PIN from the Current Accounts department in your Bank of Sharjah branch.
There are a number of steps you can take to make your card more secure, such as:
Sign your card as soon as you receive it, and always carry it with you.
Don’t let anyone else use your card, or hold it for you.
Don’t leave your card out in the open, such as at a restaurant or a retail outlet.
Cut up and dispose your card when it expires.
Memorize your PIN and password and destroy any letter advising you of new PIN or password.
Don’t disclose your PIN and password, even to friends or family.
Don’t write down your PIN and password or keep them on your mobile or computer.
Avoid letting anyone watch you enter your PIN or password during a transaction. A good practice to get into is to cover the keypad when you put in your PIN at an ATM or at the shops.
Activate/deactivate your card as necessary upon transacting; this can be done through eBOS and eBOS app.
Regularly check your account statements to verify all transactions have been properly documented. If any of the entries do not accurately reflect your transaction activities (e.g. if there are missing or additional transactions), you should contact your Bank of Sharjah branch immediately.
If your debit card is lost, stolen or retained by a bank machine, notify a Bank of Sharjah branch or alternatively call Bank of Sharjah Telephone Banking on 800-88-eBOS (within UAE) and + 971-6-5694411 (from outside UAE) Saturday to Thursday between 8:00am to 4:00pm UAE time (GMT+04:00).
Card ‘Skimming’ is the illegal copying of information from the magnetic strip of a debit card. Once a card is skimmed, the scammer is able to withdraw funds from your account. Be aware of warning signs of skimming;
Shop assistant or waiter taking your card out of sight to process the payment.
You are asked to swipe your card more than once.
ATM machine does not look genuine or looks modified.
You notice unauthorized transactions on your account.
If you believe that your card has been skimmed, please notify us immediately.
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