Terms of Use of the Debit Mastercard

I. GENERAL PROVISIONS

1. Possible uses (functions)

The Mastercard debit card (hereinafter the "Card") can fulfil the following functions:

• cash withdrawals from ATMs in Switzerland and abroad (see Section II);
• cash deposits (banknotes only) at the Bank's designated automated machines (see Section II);
• viewing information on accounts and deposits at ATMs in Switzerland (see Section II);
• payment for goods and services online or at physical points of sale in Switzerland and abroad (see Section II);
• online booking of services (e.g. hotels, travel, car hire, etc.) (see Section II);
• card for additional services specific to the issuing Bank (see Section III);
• mobile payment solutions (cf. Special Terms and Conditions relating to the use of the Mastercard debit card in mobile payment solutions).

2. Issuance of the Card

The Card is always linked to a specific account (hereinafter "the Account") opened with the issuing Bank (hereinafter "the Bank").

The following persons may be the Cardholder: for a natural person, the holder of the Account; for a legal entity, any person holding individual powers of representation duly documented with the Bank (hereinafter the "Cardholder"). The Card is issued in the name of the Cardholder. The Card is personal and the Cardholder must not give it, or make it accessible, to any third party. 

3. Card settings

The Card can be configured via e-banking or by sending a written request to the Bank. The security settings, in particular the activation or deactivation of the online payment function, contactless payments, as well as withdrawal and payment limits, must be configured by the holder of the Account in accordance with the actual usage requirements. The holder of the Account (hereinafter "the Account Holder") is solely responsible for configuring these settings appropriately and for any consequences that may result from improper configuration. 

These settings may be changed at any time via e-banking or by sending a written request to the Bank. The use of e-banking is subject to the "Conditions of use for e-banking access".

4. Fees

The Bank is entitled to charge the Account Holder fees for issuing and authorising the Card, as well as for processing transactions carried out using the Card and any costs associated with such transactions. Any fees charged directly by the Bank are communicated to the Cardholder in advance in an appropriate form. Additional fees may be charged by intermediaries (particularly in the case of transactions abroad, withdrawals from third-party networks, or currency conversions); such fees are beyond the Bank's control and their prior disclosure cannot be guaranteed. The Bank reserves the right to amend existing fees or introduce new fees. Such amendments are communicated in accordance with Section I.12 below. 

The current rates are available directly on the Bank's website or by request from the Bank.

These fees are debited to the Account to which the card is linked.

5. Duties of care of the Cardholder

In order to prevent any misuse of the Card, the Cardholder is in particular subject to the following duties of care:

Safekeeping

The Card and PIN (personal identification number) must be kept separately and in secure locations. The Cardholder must always know where their Card is and regularly ensure that it is still in their possession.

Confidentiality of the PIN and all other means of identification

The PIN, the 3-D Secure security message, the Card verification code (CVC) and all other means of identification must be kept secret and must not, under any circumstances, be disclosed to, or made accessible to, third parties by the Cardholder. In particular, the PIN must not be written on the Card or kept together with it, even in a modified form. The Bank will never require the Cardholder to disclose their PIN. If there is reason to believe that a third party has become aware, or may have become aware, of the PIN, particularly in the event of fraudulent use of the Card, the Cardholder must change it immediately. If there is reason to believe that a third party has become aware, or may have become aware, of the Card verification code, the Card's expiry date or any other means of identification, the Cardholder must immediately block the Card.

Changing the Card's PIN

Any PIN changed by the Cardholder must not consist of an easily guessable combination (such as a telephone number, date of birth, vehicle registration number, etc.).

Obligation to use secure payment methods (3-D Secure)

The Cardholder must use the secure payment method (3-D Secure) when making a payment at a Card acceptance point, provided that the relevant acceptance point offers it. If the Card acceptance point does not offer this service and the Cardholder nevertheless makes the payment, they are aware that they do so at their own risk and that they cannot make any claim against the Bank for any resulting loss.

Immediate notification in the event of loss

If the Cardholder loses their Card, has it stolen, forgets their PIN, suspects misuse of the Card, or if the Card is retained by an ATM (see also Section II.13), they must immediately block the Card via e-banking or notify the relevant services without delay.

Duty to monitor and report irregularities

The Account Holder is required to check the relevant Account statements upon receipt and immediately notify the Bank of any irregularities, in particular any debits resulting from misuse of the Card, and in any event no later than 30 days after receipt of the Account statement for the relevant accounting period. These statements may be viewed at any time via e-banking. Any objection not raised within this 30-day period shall be deemed to signify final acceptance of the relevant transactions. The Account Holder may not subsequently dispute these transactions, even if fraudulent use is discovered at a later date. In addition, failure to regularly review statements and/or dispute them within the prescribed time limit constitutes a breach of the Account Holder's duty of care, in which case the Account Holder shall be fully liable for all losses resulting from subsequent fraudulent transactions that could have been avoided by diligent review and timely objection.  

Reporting to the police in the event of damages

If there is reason to suspect that a criminal offence has been committed or if punishable offences have been committed, the Cardholder must lodge a complaint with the competent authority, in Switzerland or abroad, and request a copy of the complaint. They must submit a written complaint to the Bank without delay, together with all documents relating to the transaction(s) concerned, and cooperate in the review of the case and in limiting the damages.  

Blocking and cancellation of the Card

If the debit Card is blocked or cancelled, the Cardholder is required to inform all merchants paid using the debit Card for    recurring services (e.g. newspaper subscriptions or online services) of the blocking or cancellation. The Cardholder must render unusable any expired, invalid or blocked debit Card.

6. Cover

The Card may only be used if the necessary funds (credit balance or authorised credit limit) are available on the Account at the time of the transaction. When an amount is reserved using the Card (e.g. a car rental deposit), it is deducted from the Card limit and the Account balance, thereby restricting cash withdrawals from the Account. A reserved amount can remain on the Account for up to 31 calendar days.   

7. The Bank's right of debit

The Bank is entitled to debit the Account Holder's Account for all amounts resulting from use (in accordance with Section I.1) of the Card (see Section II.11).

The Bank also retains its right of debit in the event of disputes between the Cardholder and third parties.

Amounts in foreign currencies are converted into the currency of the Account at the exchange rate applied by the Bank on the day the transaction is posted. Despite verification of the Account balance at the time of payment, it is possible, depending on the exchange rate at the time of posting, that the final posting may result in a negative balance.

It is also possible, for reasons beyond the Bank's control, that a transaction may be posted a few days or even weeks late. In this case, the amount remains payable by the Cardholder and is applied as of the value date of the initial transaction.

8. Card validity and renewal

The Card is valid until the end of the month indicated on the Card. As part of normal processing and in the absence of any express waiver by the Cardholder, the Card is automatically replaced by a new one before the expiry date indicated on the Card. If the Cardholder has not received a new Card 10 days before the expiry of their current Card, they must notify the Bank. 

9. Termination

Either party may terminate the contractual relationship at any time. The revocation of a power of attorney within the meaning of Section I.2 shall constitute termination. After termination, the Cardholder must immediately and voluntarily return the Card to the Bank or render it unusable by destroying it (e.g. by cutting it up).   

An early request for return of the Card, the actual early return of the Card or the early destruction of the Card does not give rise to any entitlement to a refund of fees.

Despite termination, the Bank remains entitled to debit the Account for all amounts arising from use of the Card prior to its return or destruction.

10. Personal data protection

This article provides you, as the Cardholder under this Agreement, with concise and comprehensive information on the processing of personal data carried out by the Bank. You can access detailed information on the processing carried out by the Bank and the safeguards implemented by consulting the Personal Data Protection Policy at the following internet address: https://www.ca-nextbank.ch/en/legal-notices/the-processing-of-personal-data

The personal data that we collect from you in the context of our relationship, including for the functioning of the product or service provided under this Agreement, is required for several purposes, in particular to perform contracts relating to the products and services that you have signed up for with us, to comply with our legal obligations and to pursue our legitimate interests.

The categories of personal data processed are as follows: information collected under this Agreement, information appearing on the Card, information generated therefrom, and information relating to transactions carried out using the Card.

This personal data will be subject to automated or non-automated processing, primarily for the following purposes: production and provision of the Card, management of its proper functioning and the security of payment transactions, digitisation of payments and associated services on all secure media and electronic wallets, preventing and fighting against card payment fraud, debt collection, management of disputes and evidence, marketing activities and commercial prospecting, and compliance with the Bank's legal or regulatory obligations, in particular criminal or administrative matters relating to use of the Card.

We keep and process your personal data as long as needed to achieve the intended purpose. The maximum retention period corresponds to the duration of the contractual or business relationship. This period may be extended by the statutory retention and limitation periods. 

For the purposes set out above, the Cardholder authorises the Bank to transmit the necessary personal data to service providers in Switzerland or abroad, in particular for card production, and to international card organisations to ensure the processing or settlement of payment transactions.

For more information on how we manage your personal data and how you can exercise your rights, please consult our Data Protection Policy.

11. Contractual provisions

The following apply to the Cardholder at the latest upon use of the Card issued by the Bank:

• these terms and conditions of use;
• the Special Terms and Conditions relating to the use of the Mastercard debit card in mobile payment solutions;
• the rates applicable at the time the Card is used;
• the Bank's other contractual provisions and conditions signed by the Client or made available electronically by the Bank

(referred to in this document as the "Contractual Provisions").

The Bank's General Terms and Conditions apply in all other respects.

12. Amendments to and communication of Contractual Provisions

The Bank reserves the right to amend the possible uses of the Card, as well as the Contractual Provisions, at any time. Amendments are communicated in an appropriate form. In principle, they are not subject to individual notification. Any amendment shall be deemed approved when the Card is used after the amendment in question has entered into force. 

The Contractual Provisions in force are available directly on the Bank's website or by request from the Bank.

13. Place of jurisdiction and applicable law

The place of performance, the place of enforcement (the latter only for Account Holders whose domicile or registered office is abroad), and the exclusive place of jurisdiction for any dispute arising out of this Mastercard debit Card Agreement shall be Geneva. The Bank reserves the right to take legal action against the Cardholder before the court of their domicile or registered office, or any other competent court. The Mastercard debit Card Agreement is subject to Swiss law. 

II. THE CARD AS A CASH WITHDRAWAL, DEPOSIT AND PAYMENT CARD

1. Cash withdrawal function

With the PIN, the Card may be used to withdraw cash from ATMs designated for this purpose in Switzerland and abroad, or from merchants offering this service, subject to the limits set for the Card, the funds available in the Account linked to the Card, and the Cardholder's geo-blocking settings (see Section II.8).

2. Deposit function

With the PIN, the Card may be used to deposit cash at the Bank's automated machines designated for this purpose.

The Bank may decide at any time to limit or terminate the deposit function.

3. Consultation function

With the PIN, the Card enables the Cardholder to view the balance of the Account Holder's current and savings Accounts, as well as the most recent transactions on the Account linked to the Card, at ATMs offering this service.

The Bank cannot guarantee that the information provided by automated machines is accurate and complete. In the event of any discrepancy between the information provided by the automated machines and the official account statements, the latter shall prevail.

4. Payment function at physical points of sale

With the PIN or the contactless payment function, the Card may be used at any time to pay for goods and services at physical points of sale in Switzerland and abroad, subject to the limits set for the Card, the funds available in the Account linked to the Card, and the Cardholder's geo-blocking settings (see Section II.8).

5. Contactless payment function

Contactless payment is only available once the Cardholder has made a first payment by inserting the Card into an automated machine and entering the PIN. Contactless payment may be deactivated via e-banking or by submitting a written request to the Bank. 

6. Online payment function

The Card may be used at any time to pay for goods and services online, subject to the limits set for the Card and the funds available in the Account linked to the Card. The online payment function is not activated by default. The Cardholder must activate it via e-banking upon receipt of the Card and before making any first online payment. For replacement cards, the settings of the previous card are retained. To use the online payment function, the Cardholder must have access to e-banking services via the Bank's mobile application. This access is subject to the "Conditions of use of e-banking access".    

Depending on the points of acceptance, the Cardholder has the following authorisation options, provided the Card is used in accordance with these Terms and Conditions:

• Authorisation using 3-D Secure technology.
  The Cardholder must be logged in to their e-banking services in the Bank's mobile application and confirm the transaction by means of the push notification displayed there, in addition to the conditions applicable to the services requested and the means of identification required for a Card payment.
• Authorisation only by entering the Cardholder's name, the Card number, the expiry date and, if required and available, the verification code shown on the Card (CVC).
  By this means, the Cardholder waives strong customer identification.
• Authorisation following the granting of a standing authorisation at a point of acceptance.
  In the case of a standing authorisation, the Card acceptance point may, at regular intervals, debit the amounts due on the basis of the Card details provided to it (e.g. monthly subscriptions, recurring online services).

If the debit Card is renewed with the allocation of a new number, the Cardholder must update their card details with each merchant or service provider holding a recurring payment authorisation, or with whom bookings have been made using the previous Card.

If the Cardholder no longer wishes to allow recurring debits or wishes to revoke a standing authorisation, they must do so directly with the relevant point of acceptance. If the Card used for recurring debits is terminated, the Cardholder must personally update the payment details or revoke the authorisation with the relevant point of acceptance.

The Bank may, without prior notice, transmit the number and expiry date of a new Card to points of acceptance that the Cardholder has previously authorised to store such information for payment purposes.

7. Geo-blocking

The Cardholder has the option of blocking geographical zones in which they do not wish their Card to be used for transactions. Each zone may be blocked and unblocked by the Cardholder as required, at any time, via e-banking or by submitting a written request to the Bank. Any change replaces the previous situation. 

By default, the Card can be used in the following geographical zones: (i) Zone 01 – Switzerland and Liechtenstein, and (ii) Zone 02 – Europe.

8. PIN (= personal identification number)

The PIN (personal identification number) is an automatically generated numeric combination linked to the Card and is not known to the Bank or any third party. It is generated mechanically and sent to the Cardholder separately from the Card in a sealed envelope. A PIN is generated for each Card issued. 

9. Changing the PIN

Upon receipt of the PIN issued by the Bank, the Cardholder is advised to replace it with a PIN of their own choosing. This can be done at the Bank's ATMs. The Cardholder may change their PIN at any time and as often as they wish. To ensure greater protection against misuse of the Card, the chosen PIN must not be easy to determine (see Section I.5, letter c), must not be written on the Card or kept with it, even in a modified form, and must not be disclosed or made accessible to any third parties.

 10. Authentication, debiting and risk allocation

Any person who uses the Card for the functions described in Sections II.1 to II.6 and who authenticates themselves in accordance with the requirements specified for those sections is authorised to carry out transactions using the Card, even if they are not the Cardholder. The Bank is therefore authorised to debit the Account for the amount of the transactions carried out using the Card, for which it declines all liability. The risks of misuse of the Card are borne by the Account Holder.   

In particular, the Account Holder shall bear any loss that may result from a payment made at a point of acceptance that does not offer the secure payment method (3-D Secure).

The Bank shall not be liable if the point of acceptance refuses the Card or if a withdrawal or payment is not possible. The same applies if the Card cannot be used at an ATM or at one of the Bank's automated machines, or if it is rendered unusable, for example if it is damaged.

Any Cardholder who fails to comply with the Contractual Provisions (in particular the duty of care obligations in accordance with Section I.5) shall be held liable for any loss arising from the use or misuse of the Card.

11. Technical failures and interruptions to operations

The Cardholder is not entitled to any compensation in the event of technical failures or interruptions to operations that prevent use of the Card for cash withdrawals, cash deposits or payments.

12. Transaction receipts

ATMs may issue a transaction receipt for cash withdrawals, either automatically or on request. Similarly, when paying merchants for goods and services, a transaction receipt may be issued automatically or on request. The Bank does not provide individual debit advices for these transactions. Only the statement for the Account to which the Card is linked is binding.

13. Blocking

The Bank may block the Card at any time, without prior notice to the Cardholder and without providing any justification.

In addition, the Bank shall block the Card at the express request of the Cardholder when they report the loss or theft of the Card and/or the PIN, or upon termination of the Card. A Cardholder without power of attorney over the Account may only request the blocking of Cards issued in their name. In the event of a block at the request of the Cardholder, the Bank shall only lift the block upon receipt of a written declaration from the Cardholder.

The Account Holder may block their Card at any time via e-banking or unblock a Card they have previously blocked.

If the Card is blocked, they must also inform all points of acceptance with which the Card has been registered as a means of payment for recurring services (e.g. subscriptions) or bookings (e.g. car hire).

The Bank is entitled to debit the Account for any transaction carried out using the Card before the block becomes effective, taking into account the time normally required to process such an operation.

Blocking fees may be debited to the Account Holder's Account.

III. USE OF THE CARD FOR THE BANK'S OWN SERVICES

If the Card is used for other services of the Bank, these shall be governed exclusively by the provisions agreed with the Bank for that purpose.

IV. USE OF THE CARD FOR MOBILE PAYMENT SOLUTIONS

The use of the card in mobile payment solutions is subject to the Special Terms and Conditions relating to the use of the Mastercard debit card in mobile payment solutions, which must be accepted by the Cardholder prior to the first use of these solutions and which will be communicated to them on that occasion.

March 2026