The message contains key information:
a description of the transaction, the date, the currency in which the transaction was carried out and the equivalent in EUR, the surcharge on the ECB reference rate***, the last four digits of your card, the amount, the place, the country, and the telephone number you can call if you suspect fraudulent use of your card. You are also notified of the free limit on the card.**
***OTP banka uses Visa exchange rates for card transactions. You will receive information about the surcharge when performing payment transactions involving currency exchange in an EEA currency other than EUR.
In the future, the bank will send payment card holders an SMS message with information related to the currency conversion, including the percentage markup on the last available ECB reference rate.
OTP banka uses Visa exchange rates for card transactions. If you want to check the indicative exchange rates used by the bank for card transactions before making the transaction, you can do so at otpbanka.si.
The holder of the card with which the transaction was made will receive an SMS message about the applied surcharge in case the transaction is converted at the exchange rate used by the card issuer.
The bank will not charge extra for this service.
If the Security SMS is not activated on the card, the message about the markup to the ECB reference rate will be sent to the mobile number the bank has linked to the used payment card.
If the Security SMS is activated for the card, the message about the surcharge to the ECB reference rate will be part of the received Security SMS.
If the bank does not have any mobile number associated with the foreign currency payment card, the cardholder will not receive any message.
The cardholder can unsubscribe from receiving SMS messages related to the exchange rate.
If you would like to stop receiving information about foreign currencies, please contact us:
All will be arranged within a week.
The regulation applies to certain debit and credit card transactions made in currencies outside the European Economic Area (EEA). The EEA is an international agreement that connects the member states of the European Union and the three countries of the European Free Trade Association (Iceland, Liechtenstein, and Norway) to an internal market that enables the free movement of people, goods, services, and capital.
EEA countries that do not use the Euro are:
| država | valuta | Akronim |
| Bolgarija | bolgarski lev | BGN |
| Hrvaška | hrvaška kuna | HRK |
| Češka | češka krona | CZK |
| Danska | danska krona | DKK |
| Madžarska | madžarski forint | HUF |
| Islandija | islandska krona | ISK |
| Lihtenštajn | švicarski frank | CHF |
| Norveška | norveška krona | NOK |
| Poljska | poljski zlot | PLN |
| Romunija | romunski lev | RON |
| Švedska | švedska krona | SEK |
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