Terms and Conditions for the Girocard (Debit Card)
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Terms and Conditions for the girocard (debit card) A. Guaranteed types of payment II. General rules 1. Issue of the card I. Scope of application The card can be issued as a physical card or as a digital card for storage The girocard issued by the bank is a debit card (hereinafter referred on a telecommunications, digital or IT device (mobile terminal). These to as »Card«). The cardholder may use the girocard for the following special conditions apply equally to both card types, unless otherwise payment services, provided that the Card is issued with the corres- expressly agreed. The terms and conditions of use for the digital card, ponding functions: which have been agreed separately with the Bank, also apply to the digital card. 1. In combination with the personal identification number (PIN) in German debit card systems: 2. Cardholder and authority (a) For withdrawing cash at cash machines operated under the Ger- The Card shall be valid for the account stated on it. It can only be man cash machine system identified by the girocard logo. issued to the name of the account holder or a person whom the account (b) For use at retailers and service companies at point-of-sale terminals holder has authorised to draw on his/her account. If the account holder operated under the German girocard system identified by the girocard revokes the authority, he/she shall be responsible for ensuring that the logo (»girocard Terminals«). Card issued to the authorised person is returned to the Bank. After (c) For loading a credit onto the GeldKarte at loading terminals iden- revocation of the authority, the Bank will electronically block the Card tified by the GeldKarte logo. for further use at cash machines and point-of-sale terminals as well as - (d) For loading a prepaid mobile phone account, held by a mobile from loading the GeldKarte. The blocking of a Company-generated telephone user with a mobile communications provider, at a cash dis - Add-on Application is only possible towards the company that has penser, provided this function is offered by the operator of the cash stored the add-on application and only if that company has provided machine and the mobile communications provider participates in the a blocking capability for its add-on application. The blocking of a relevant system. Bank-generated Add-on Application is only possible towards the Bank and is subject to the contract concluded with the Bank. However, until 2. In combination with the personal identification number (PIN) the Card has been returned, there is the possibility of continued use of in foreign debit card systems: any amounts which may still be loaded on the GeldKarte. (a) For withdrawing cash at cash machines operated under a foreign 3. Financial limit debit card system, provided that the Card is issued with the corres - The cardholder is obliged to use the Card only within his/her ac- ponding functions. count credit balance or the overdraft limit agreed upon with the Bank. (b) For use at retailers and service companies at point-of-sale terminals Even if the cardholder does not comply with this limit in his/her use operated under a foreign system, provided that the Card is issued with of the Card, the Bank shall be entitled to demand reimbursement of - the corresponding functions. any expenses resulting from the use of the Card. The posting of any (c) For loading a prepaid mobile phone account held by a mobile such transactions on the account gives rise to a tolerated overdraft. telephone user with a mobile communications provider, at the cash dis - penser of a foreign system, provided this function is offered by the 4. Conversion of foreign currency amounts operator of the cash machine and the mobile communications pro- If the cardholder uses the Card for drawings which are not denomi- vider participates in the relevant system. nated in euros, the account is nevertheless debited in euros. The ap- In the case of a foreign system, the Card is accepted under the accep - plicable conversion rate shall be determined in accordance to the List tance logo applicable for the foreign system. of Prices and Services (»Preis- und Leistungsverzeichnis«). Any change of the reference conversion rate specified in the conversion arrange- 3. Without the use of the personal identification number (PIN): ment shall take effect immediately without prior notice to the customer. (a) For contactless use at retail and service companies, at automated cash registers within the framework of the German electronic cash- 5. Return of the Card girocard system, which are marked with the girocard logo, up to 50 The Card shall remain the Bank’s property. The Card is not trans- euros per payment transaction, as far as the entry of a PIN is not re - ferable. The Card shall be valid for the specific period stated on the quired at the automated cash registers for the respective contactless use. Card. On issuing a new Card, but at the latest after expiry of the Card’s b) For contactless use by retailers and service providers at automated validity, the Bank shall be entitled to reclaim the old Card or to re- cash desks in the context of third-party debit card systems up to 50 quest the deletion of the digital card or to arrange for it to be deleted. euros per payment transaction, as far as the entry of a PIN is not re - If the entitlement to use the Card ends prior to this (for example by - quired at the automated cash desks for the respective contactless use. termination of the account relationship or of the Card agreement) The acceptance of the card within the framework of an external system the cardholder must return the Card to the Bank or to delete the digi - is carried out under the acceptance logo valid for the external system. tal Card without undue delay. Any amount which may still be loaded (c) As GeldKarte for cashless payments at point-of-sale terminals at re - on the GeldKarte at the time of the return will be refunded to the card - tailers and service companies in Germany identified by the GeldKarte holder. The cardholder is obliged to remove any Company-generated logo (Geld-Karte terminals). Add-on Applications stored on the Card without delay by the compa - (d) Above and beyond providing payment services and without com - ny that has integrated such add-on applications into the Card. Depend - prising any guarantee of the Bank in connection with this function, as a ing on what is contractually agreed between the cardholder and the storage medium for add-on applications Bank, the cardholder may continue to use any Bank-generated Addon • of the Bank in accordance with the contract concluded with the Applications. Bank (Bank-generated Add-on Applications), or • of a retail and service company in accordance with the contract 6. Blocking and collection of the Card concluded by the cardholder with such company (Companygenera- (1) The Bank may block the Card and arrange for its collection (for ted Add-on Application). ex ample, at a cash machine) or request the deletion of the digital card or to arrange for it to be deleted, if • the Bank is entitled to terminate the Card agreement for good cause, • this is justified due to objective reasons related to the security of the Card, or 0 2 0 • there is a suspicion of an unauthorised or fraudulent use of the Card. 2 . 4 0 · 1 0 4 . 5 4 m r o F 1/6 Joh. Berenberg, Gossler & Co. KG · Terms and Conditions for the girocard The Bank shall inform the account holder of the blocking or deletion (3) For the replacement of a lost, stolen, misused or otherwise un - of the Card and the relevant reasons for it, where possible, before the authorised card, the Bank shall charge the account holder the charge Card is blocked or deleted and at the latest immediately thereafter. The stated in the Bank’s List of Prices and Services (»Preis- und Leis tungs - indication of reasons is not required as far as giving such information verzeichnis«), which shall cover any costs directly and exclusively con - is prohibited by other legislation. The Bank shall unblock the Card or nected with the replacement. Sentence 1 shall not apply if the Bank is replace it with a new Card once the reasons for blocking the Card no responsible for the circumstances which led to the issue of the replace - longer exist. It will also notify the account holder thereof immediately. ment card or if these circumstances are attributable to it. (2) Any amounts which may still be loaded on the GeldKarte at the (4) If a TAN generator or signature function for online banking is time of its collection will be refunded to the cardholder. stored on the Card, the blocking of the Card will also entail a blocking (3) If a TAN generator or signature function for online banking is sto - of the online banking access. red on the Card, the blocking of the Card will also entail a blocking (5) The blocking of the card by the Bank or the central cardblocking of the online banking access. service does not block access to the mobile device. The other functions (4) If the cardholder has an add-on application stored on a collected on the mobile device can only be blocked by the respective provider Card, he collection of the Card has the effect that the cardholder will of these functions. no longer be able to use that add-on application.