We will answer to your questions

• What documents are required to open a card?
  - passport of a citizen of the Republic of Tajikistan;
  - taxpayer identification number (TIN);
• Requirements for the recipient of the card:
  - a citizen of the Republic of Tajikistan;
  - age not younger than 18 years;
• Can I change the card PIN?
  The card PIN can be changed at an ATM or at banking service points.
• What happens if the PIN is entered incorrectly?
  What happens if the PIN is entered incorrectly?
  If you enter an incorrect PIN code three times, the card will be automatically blocked and confiscated. This is a special security measure for card theft and PIN guessing. If the “Spitamen Bank” card is stuck in the ATM of this bank, you can get it again after applying to the Bank.
  If the “Spitamen Bank” card is stuck in another bank's ATM, you should contact the bank that owns the ATM. Usually, after presenting the identity document, the card is returned to the owner/holder.
  After withdrawing cash from an ATM or paying through a POS-terminal, do not forget to take the card and receipt.
• Can I renew my card or do I need to get a new one?
  All bank cards have a certain working period. After the expiration of the card, contact the bank to get a new card.
• Can someone else get my card from the bank?
  Yes, if that person has a notarized power of attorney, he/she can get your card from the bank.
• Can I use your cards abroad?
  Of course, with Visa and UnionPay cards of the international systems, regardless of the currency of the card account, you can make payments abroad and withdraw cash from ATMs
• Can I receive money to my card account from abroad?
  
  Yes, you need to provide your card details to the sender.
• If the amount that I filled in through the terminal was not credited, where should I contact?
  In this case, the client needs to call the call center of Spitamen Bank and leave an electronic application. The application will be reviewed and the funds will be transferred within 3 business days
• What should I do if the amount I deposited through the terminal is less?
  In this case, the client needs to call the call center of Spitamen Bank (or via chat) and leave an electronic application. The application will be considered and the funds will be transferred within 3 working days. The electronic application must contain the following information: full name, terminal address, date payment, payment amount, name of the erroneous payment (service), customer's mobile phone number, name of the new payment.
• What is the commission fee for transactions carried out through the payment terminals of Spitamen Bank?
  All operations carried out through the terminals of Spitamen Bank are carried out without commission.
• How to transfer money with a minimum commission from Russia to Tajikistan?
  Link a Russian card to the Spitamen Pay app and transfer money with a minimum commission of 0.45%.
• What should be done in case of loss or deformation of a payment card?
  
  If the card is lost, you must immediately notify the bank about it, and within five calendar days write a statement with information about the circumstances of the loss (including confirmation from law enforcement agencies if the card was stolen). The fee for issuing a new card is charged in accordance with the Bank's tariffs.
  
• What is issuance period of bank cards?
  The card issue takes from 3 to 5 business days in Dushanbe. Cards are delivered to other cities and regions of republic within 2 work-weeks.
• What needs to be done, at loss or deformation of the payment card?

  At loss of the card it is necessary to notify immediately on it bank, and within five calendar days to write the application with information on circumstances of loss (including confirmation of law enforcement agencies if plunder of the card took place). The payment for release of the new card is raised in compliance with tariffs of Bank.

• May I independently change the PIN code of my card?

  Yes, holders of cards from Spitamen Bank have an opportunity to change the PIN code of the cards. For this purpose, you need to choose the corresponding service in any Spitamen Bank ATM.

• May I open the card on others name?

  You can open the payment card addressed to the third party, in case of existence of the notarized power of attorney.

• In what currencies it is possible to recharge the card?

  Account replenishment of the card can be made in four currencies: in Somoni, Russian rubles, US dollars and Euro.

• What limit on cashing in with Spitamen Bank ATMs for foreign cards?

  For foreign cards the limit is set in the sum of 1000 somoni for one transaction.

• How to be connected to service the SMS notification and How much does it cost ?

  For connection to service the SMS notification, it is necessary to address to branches or the Banka's TsBO and to fill in the corresponding application form. For cards of UnionPay the cost of this service is 0,40 c.u. a month, and for the VISA cards - 0,41 USD.

• Whether money can arrive into my card account from abroad?

  Yes, can. For this purpose, you need to tell the sender the payment requisites.

• What to do if the ATM doesn't issue the card back?

  In this case, it is necessary to block the card, having called by phone (44) 600-39-30.
  In case your card has been left in the Spitamen Bank ATM, you need to address to the nearest office Spitamen Banka and to fill in the application form for return of the card left in the ATM. After the card is withdrawn from the ATM, our employees will contact you and will report about a possibility of obtaining the map back.
  If your card was left in the ATM of third-party bank, then you need to address to that bank which serves this ATM. As a rule, according to the address of the client and presentation of the identity card, banks issue the "captured" card. If the bank refuses to issue the card, you can call Department of Cash Cards of Spitamen Bank on bodies 44-600-39-30, for a solution.

• What to do if I have forgotten the password (PIN code)?

  It is always desirable to remember, of course, the password or to write down it somewhere no comments. In that a case if you have forgotten a card PIN code, it will be required to write the application for issue of the new map, having specified the reason.

• Whether it is possible to open several cards on the name?

  Yes, for this purpose it is necessary to write the corresponding application.

• Whether the third party can receive in bank, the card issued on my name?

  Yes, on condition of presence at him of the notarized power of attorney.

• What happens if to enter the wrong PIN code?

  In a case introduction of the wrong PIN code more than three times, the card will automatically be blocked or will be withdrawn. It is the special security measure intended on a case of plunder of the card and selection of the PIN code from swindlers. If the card issued bySpitamen Bank has been blocked in the Spitamen Bank ATM, you will be able to unblock/return it having addressed to bank.
  If your card is captured by the ATM of third-party bank, then you need to address to that bank which possesses the ATM. Usually, at production of documents the card comes back to the owner.
  
  After receiving cash don't forget to take away your plastic card and the check which is printed out by him from the ATM.
  Try to follow rules of this sort in those outlets where the terminals demanding from you introduction of the PIN code are installed.