MasterCard Gold Debit is a multicurrency card linked to a client’s transaction account that provides clients with an opportunity to have his/her money at disposal independent of the Bank's working hours and in all currencies that a client has available in the account.

The financial borrowings from the Bank with these cards are possible in two currencies: Euro (EUR) or US Dollar (USD).

MasterCard Gold Debit is a card that uses the latest payment technology and provides you with contactless payment, in both, small shopping and big purchases, in the sales points that have a mark for contactless payments.

With the debit card you may withdraw cash from the ATM and pay goods and services in the points of sales in country and abroad.

  • Free of charge cash withdrawal from ATMs of Hipotekarna banka AD Podgorica;
  • Payment of goods and services in the country and abroad without commission and fees;
  • Opportunity to use the card for online shopping;
  • Contactless payment. For transactions below a specific amount, the PIN transaction confirmation is not required, but only to bring the card close to the reader. A limit of the amount for contactless payment depends on the bank in the country or abroad where payment is processed and it is defined according to the rules of the MasterCard bankcards association. In Montenegro, a contactless payment limit is 25 EUR.
  • Receiving SMS security messages for each transaction made.

The card may be used at all ATMs and sales points in country and abroad that have the  "MasterCard" mark, which totally make 24 million sales points and over 850,000 ATMs in the world. You can also use the card for online shopping while we recommend restricting your transactions to those Web sites that use the CVV standard for the card user identification authentication (with free of charge 3D secure service).

The basic user of the card is the person who owns the account, while the additional cards may be issued and connected to one account. The additional card is issued only with the consent of the owner of the account the basic card is connected to. 

The validity of the basic and additional cards is 3 years, and they are automatically extended after the expiration date.

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