In which networks abroad can I use my card?

The Automatic Teller Machine captured my card while I was in the middle of an operation; what should I do?

I withdrew an amount of money that was debited from my account but it was not dispensed by the Automatic Teller Machine; what should I do?

I withdrew an amount of money that was debited from my account but only part of the total amount was dispensed by the Automatic Teller Machine; what should I do?

What happens if I forget to collect the notes corresponding to the withdrawal operation?

I made a withdrawal but the terminal did not issue a receipt; how can I obtain proof of this operation?

In connection with the Payment of Services and the Payment of Purchases, is the receipt emitted by the Automatic Teller Machine accepted as proof of payment?

Where can I exchange the receipt emitted by the Automatic Teller Machine for the original train ticket?

I reloaded my mobile phone card but the debited amount was not transferred to my card; which entity should I contact so as to be able to update the balance on my card?

When is a sum transferred via ATM credited to the account of the recipient?

When is a cash deposit in banknotes, made via ATM credited to the receiving account?

What is the deadline by which sums in banknotes delivered in a ATM (in an envelope) become available?

What is the deadline by which sums in the form of cheques delivered in a ATM become available?

Can I use my bank card to pay for tolls?

Why is it not necessary to enter the secret code when paying tolls?

Why am I asked, in certain countries, to sign the receipt when I make purchases with my card, which works in Portugal with the secret code?

In which networks abroad can I use my card?

When you are abroad you must pay attention to the international logotypes that your card bears, namely Visa, Electron, MasterCard and American Express. 

The Automatic Teller Machine captured my card while I was in the middle of an operation; what should I do?

If the card is not returned, you should immediately contact the Bank that issued your bank card and inform them of what happened.

I withdrew an amount of money that was debited from my account but it was not dispensed by the Automatic Teller Machine; what should I do?

After confirmation that the money was not dispensed, there will be an automatic reverse entry in relation to the designated amount; if this does not occur you should present a complaint to the Bank that issued the card associated with the operation, together with the respective receipt.

I withdrew an amount of money that was debited from my account but only part of the total amount was dispensed by the Automatic Teller Machine; what should I do?

If the amount received is different from the amount asked for, the client should present a complaint to the Bank that issued his/her card, together with the receipt of the operation. If there is no receipt, the client should identify the location, the date and the approximate time of the operation. 

What happens if I forget to collect the notes corresponding to the withdrawal operation?

When the client does not collect the notes within the given time period, the Automatic Teller Machine recollects them for safety reasons. The withdrawn amount may be credited to the debited account, but the client must report the occurrence to the Bank that issued the card. 

I made a withdrawal but the terminal did not issue a receipt; how can I obtain proof of this operation?

In this situation, you may obtain a re-issuance of the receipt via the following procedure: with the card that was used in connection with the transaction, select Enquiries; Card Transactions Enquiries in the MB; Re-issuance of Receipt; Enter the Date and Select one of the Transactions Shown (if there is more than one on the same day) and Wait for Receipt. Or, Enquiries; Card Transactions Enquiries in the MB; Enquiries prior to a Date; Enter the Date and Wait for Receipt.

In connection with the Payment of Services and the Payment of Purchases, is the receipt emitted by the Automatic Teller Machine accepted as proof of payment?

Yes, the emitted receipt is accepted as proof of payment. 

Where can I exchange the receipt emitted by the Automatic Teller Machine for the original train ticket?

No exchange is necessary, since the receipt containing the information in connection with the ticket(s) that was(were) acquired is valid as a ticket for the respective trip. 

I reloaded my mobile phone card but the debited amount was not transferred to my card; which entity should I contact so as to be able to update the balance on my card?

You must confirm whether the amount was in fact debited from your account, checking to see if the transaction was not subsequently annulled. If the account was debited, you must make your way to your mobile communications operator with the ATM receipt, as proof of the amount that you reloaded. 
 

When is a sum transferred via ATM credited to the account of the recipient?

The availability of the funds in the recipient's account varies according to whether the operation is an intrabank transfer (when the accounts of the transferor and transferee are held in the same bank) or interbank (when the two accounts are held in different banks).

Intrabank transfers made up to 3.00 pm on a business day must be credited on the same day; those made after 3.00 pm or on Saturdays, Sundays and bank/public holidays may be credited by the next business day. In any case, the account of the transferor will be debited at the same time that the transferee's account is credited.

In interbank transfers the transferee's account is credited on the next working day after the transferor's account is debited. If the transfer is made up to 3.00 pm on a business day, the debit occurs on that business day; in other cases (after 3.00 pm or on Saturdays, Sundays and bank/public holidays) the debit takes place on the next business day.

When is a cash deposit in banknotes, made via ATM credited to the receiving account?

Sums deposited on a business day between 8.30 am and 3.00 pm must be credited to the recipient's account instantly.

Deposits made outside business hours (8.30 am - 3.00 pm) or on Saturdays, Sundays and bank/public holidays must be credited by the next business day.

What is the deadline by which sums in banknotes delivered in a ATM (in an envelope) become available?

Deliveries made on a business day must be credited to the receiving account as soon as the bank has checked them and converted them into an effective deposit, which must happen within 24 hours, except in exceptional circumstances or in the event of force majeure. Saturdays, Sundays and bank/public holidays are not included in this 24-hour period.

What is the deadline by which sums in the form of cheques delivered in a ATM become available?

The funds must be available in the recipient's account by the 2nd business day following the deposit resulting from the delivery in question.
Deliveries made on a business day must be checked by the bank - that is, they must be converted into deposits - within 24 hours, except in exceptional circumstances or in the event of force majeure. Saturdays, Sundays and bank/public holidays are not included in this 24-hour period.

Can I use my bank card to pay for tolls?

Yes. In this case all you need to do is present your card through which the payment is to be carried out. In payments of this type, the accumulated amounts are summed and periodically debited from the client's account. 
 

Why is it not necessary to enter the secret code when paying tolls?

The payment of toll charges falls under the Low Value service, created in 1991, with the objective of providing bank clients with the possibility of carrying out payments of small amounts with debit or credit cards, without the need for previous authorization involving a secret code. 
 

Why am I asked, in certain countries, to sign the receipt when I make purchases with my card, which works in Portugal with the secret code?

In certain countries, namely Spain, it is not necessary to enter the secret code, not even for purchases where the amount is automatically debited from one's account, so that the validation of the purchase is done via the signature on the purchase receipt.