• Private clients
• Payment cards
• Security Programme

Security Programme

What is it?

By acquiring Ūkio bankas payment card you participate in the Security Programme according to which the Bank shall reimburse for financial losses resulting from unauthorised use of your card in the event of:

• card loss, theft, robbery or forgery;
• robbery or burglary in the cardholder's premises at the actual address of residence.

The Bank shall also reimburse the cardholders for the costs of card replacement or annulment if the lost card has been used by third persons or the funds have been lost as a result of card forgery.

The Rules of the Security Programme are available here.

How much does the Security Programme cost and to whom it applies?

Security Programme fee is LTL 1.75/month.

The fee shall be automatically debited from the payment card account on the first working day of a month. Where on the first working day of a month funds on the card account are insufficient to debit the fee, the Security Programme will not be effective in the current month and damage will not be reimbursed.

The Security Programme automatically applies to all credit cards. The service is voluntary for debit cardholders. The Security Programme does not apply to Virtual MasterCard payment cards.

What should be done in the event of unauthorised transactions?

If you notice unauthorised transactions you should:

• immediately block the card. If you have blocked the card by phone, you must, not later than within 7 days, confirm the blocking in writing by filling out a report in the established form report the incident in Lithuania or abroad to the nearest police department within 48 hours after the theft or robbery of the card and, if the card has been lost in any other manner or you suspect that the card has been forged, within 48 hours from the moment of noticing that the card is missing or possibly forged;
• furnish the Bank with the following documents:
  • a claim in the established form by specifying in detail the circumstances of the incident;
  • an incident report from the police.

If you have any questions please call: a toll-free line 8 800 10 007 From abroad (toll-call) +370 37 395 532 I-IV 8–17, V 8–16, VI 9-13.

Memo for safe use of payment cards

How to prevent fraud while using your payment card?

• When making a purchase, keep your card in view at all times. Retrieve the card as soon as the purchase transaction is completed. Make sure it is your card.
• Memorize your passwords and personal identification numbers (PINs) so you do not have to write them down. Be aware of your surroundings; make sure no one is watching you enter your PIN.
• Use automatic teller machines (ATMs) during daylight hours. At night choose a location that is well-lit. Physically inspect the ATM reader for any type of suspicious adaptation. Ensure that no one is standing close to you when conducting the transaction.
• Never sign a blank receipt slip. Draw a line through any blank amount lines that appear above the total amount line.
• Save all of your receipts. Never discard your receipt in a public rubbish container.
• Avoid saying your account number aloud at a merchant location or over the phone if others can hear.

Remember, if you report your card lost or stolen, you will only have limited liability for any unauthorized transactions on your account.

How to prevent fraud while shopping online?

• Make sure you are doing business with a reputable Internet merchant.
  • To check if a merchant is reputable, make sure to find the company’s physical address and telephone number. Check with state or local consumer agencies if you feel you need more information.
  • Make sure you learn all you can about the offer including the delivery date, terms of warranty, purchase cancellation policies, additional shipping costs etc.
  • Make sure if a website is really safe. Reputable websites often provide information about how they protect information when it is transmitted or stored. They also often have a clearly stated privacy policy in an accessible place. Read the privacy policy so you know exactly how the merchant intends to use your information.
• Make sure the merchant that you are dealing with has proper security measures in place. Look for an unbroken key or a closed padlock, which means that information on the website is protected, at the bottom of the browser window (in some cases – at the top of the window browser). You can also identify a Secure Web server by checking the beginning of the Web address in your browsers address bar. It should be "https://" rather than just "http://" If you cannot determine one of these security signs, do not put your credit or debit card information over the Internet.
• Protect your PIN and account numbers. Only provide your payment card number when you are making a purchase. You should never disclose your PIN or any account password to any online merchant for any reason. Guard your personal information. Don’t provide information that you are uncomfortable giving or that is not related to the purchase or payment itself. Never give anyone personal passwords like the one that you use to log on to your Internet Service Provider or the Internet banking system.
• Protect your e-mail. E-mail is not a secure form of communication. In order to protect your account numbers and avoid possible credit or debit card fraud, do not send your account numbers or other financial information by e-mail.
• Pay with a payment card – as this is often the safest way to pay online. In most countries the cardholder has the right to dispute charges if the goods or services were misrepresented or never delivered. Also, you are not responsible for fraudulent purchases made on your account.
• Be careful of e-mail requests for personal information, especially when they come from companies that should already possess such data. Never click on the links provided in such emails.
• Keep records of your payment card. Print out all information about your online purchases and keep it in a safe place to refer to at a later time.

How to prevent identity theft?

• Sign your new bank credit and debit cards in permanent ink as soon as you receive them.
• Call your bank if a new or reissued card does not arrive when expected, and be sure to cancel any invalid payment cards.
• Never throw away receipts in a public rubbish container. When disposing of receipts or old statements, be sure to destroy the areas where the account number is visible. In general, you should keep all your receipts in a safe place to refer to if you suspect suspicious activity.
• Make a note of when your financial statements arrive each month. If your statements stop arriving, contact your bank immediately. Check those statements frequently and carefully. If you find an unauthorized or questionable transaction, call the bank immediately.
• Never give any payment card, bank, or social security information to anyone by telephone, unless you can positively verify that the call is legitimate and there is a true need for the information.
• Keep a list of all your credit accounts and bank accounts in a secure place so you can quickly call the issuers to inform them about missing or stolen cards.

What to do if you suspect fraudulent activity?

• Call the bank immediately. It may want to cancel your current card.
• If you were a fraud victim, diligently check your statements in the following months to make sure the problem has been completely resolved.
• Report the fraudulent activity to the police.

If your card is lost or stolen, call +370 5 233 11 99 any time 24 hours a day and your card will be blocked. While on a trip abroad, MasterCard cardholders can also call the following telephone number from anywhere in the world: +1 636 722 7111.