What are BINs?

Bank Identification Numbers (BINs) are fundamental to payments. They identify the issuing institution for each cardholder account and enable transactions to be properly routed. BINs are currently the first six digits of the account number.

Since the 1960s, Mastercard has been closely identified with the 51-55 BIN range.

Who governs BINs?

The International Organization for Standardization (ISO), an independent, non-governmental international organization that develops voluntary global standards. The ISO/IEC 7812 standard defines an Issuer Identification Number (IIN), known as a BIN within the payments industry.

The American Bankers Association is the current registration authority that manages the BIN allocation process on behalf of ISO.

Why are we talking about BINs?

The payments industry is more complex than ever. With new devices and technologies emerging in a connected world, the industry's finite supply of BINs is reaching current capacities.

The International Organization for Standardization (ISO) which has published ISO/IEC 7812 to define BINs, and the American Bankers Association which is the registration authority managing the numbers, has a limited supply of unused or unallocated numbers. So, the industry needs more BINs to manage industry growth. 

What is Mastercard doing to alleviate the limited supply of BINs?

To expand supply, Mastercard is rolling out an additional 50,000 six-digit BINs (222100-272099). This will effectively double the existing supply of Mastercard BINs - allowing merchants to accept millions more transactions and our issuers to continue to support business growth.

The 2-series BINs adhere to the current (2015 revision) ISO industry standard and will work exactly the same way as the 5-series BINs do today.

When do changes go into effect?

Cards with 2-series BINs were first issued in 2017. 

How will the 2-series BINs impact issuers?

Issuers will need to upgrade their systems to be compatible with 2-series BINs, but all systems should be analyzed to determine if any additional changes are required. Software providers may have updates available, and internally developed solutions may require enhancements.

For more information, visit the 2-series BIN page.

How will the 2-series BINs impact service providers and vendors?

Acquirers will need to upgrade their systems to be compatible with 2-series BINs. 

For more information, visit the 2-series BIN page.

What other changes may impact BINs in the future?

The industry is considering a move to a new 8-digit BIN standard and is discussing an appropriate implementation date. If adopted, it would require more extensive systems planning and upgrades.

Mastercard is working with a committed group of industry participants to ensure all voices are heard in establishing the most efficient standard for continued industry growth. 

Whom can I contact at Mastercard with questions related to the 2-series BINs?

If you have a dedicated Mastercard representative, you may first contact that individual. Alternatively, you can send us an email.

How do I use the ATM locator?

Visit the ATM locator and enter a city or a zip code. You can further narrow your search by providing a street address, a financial institution's name and checking additional options like 24-hour access. Click the Search button to see a list of ATMs nearby, then click on a specific ATM for further information about its location. Depending on your destination, driving directions and a map may also be available.

Why can't I locate ATMs in a specific country?

If an ATM location or a specific country is not listed, then information is not available. Mastercard receives ATM location information from financial institutions and we continue to work with them to provide the most updated information.

If you need more specific information, you can contact the financial institution that issued your card. You'll find their contact information on the back of your Mastercard and on your billing statement, or you can visit their website.

I don't know my password or my PIN. How can I get this information?

For information about your PIN or account, you must contact the financial institution that issued your card. You'll find their contact information on the back of your Mastercard and on your billing statement, or you can visit their website to manage your account online.

What is the fee for withdrawing money or taking a cash advance from an ATM?

Mastercard does not determine ATM fees. Any fees charged by the ATM owner are disclosed at the time the transaction is initated and you're given the option to discontinue the transaction if you don't wish to pay the fees. It's also a good idea to check with the financial institution that issued your card to determine their ATM fee policies. You'll find their contact information on the back of your Mastercard and on your billing statement, or you can visit their website.

The ATM wouldn't accept my card. What should I do?

If you had a problem using an ATM, please contact the bank that issued your card for assistance.

How can I get a list of ATM locations if I don't have internet access?

The Mastercard ATM network is only a phone call away, giving you access to cash wherever you go.

United States & Canada - 1-800-4CIRRUS (1-800-424-7787) Outside the United States & Canada - Get global contact numbers

Can I use my prepaid card, gift card or credit card at an ATM?

Yes. You may withdraw cash against the balance on most Mastercard prepaid and gift cards at any ATM. However, not all prepaid and gift card issuers allow ATM or foreign transactions. Be sure to check with your card issuer to ensure that these types of transactions are permitted. Most Mastercard credit cards also allow you to obtain cash advances at an ATM.

You’ll need a Personal Identification Number (PIN) to withdraw cash. You can find your issuer's contact information on the back of your Mastercard and on your billing statement, or you can visit the issuer's website.

How can I get a replacement for a lost or stolen ATM card?

We'll help you replace your lost or stolen ATM card no matter where you are. Call the Mastercard Assistance Center with any card-related need from anywhere in the world.

Get global contact numbers

What if my question isn't answered here?

If your question isn't listed here, we recommend you contact the financial institution that issued your card. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111. If you believe your question can only be answered by Mastercard, please submit your question here.

What is Automatic Billing Updater?

Mastercard Automatic Billing Updater (ABU) is an account updater service which provides access to updated payment account credentials (card numbers and expiration dates) for credential-on-file accounts. E-commerce and recurring billing businesses can leverage Mastercard’s ABU service to ensure that their customers’ payment profiles are kept up-to-date, so as to minimize authorization failures when making card-not-present transactions.

Card issuers inform Mastercard whenever a consumer’s account is opened, renewed, replaced, or closed. Mastercard stores the lifecycle update events associated with each account.

Merchants query ABU on whether the account information you have stored on file is current. ABU will provide the latest update available.

What are the benefits of ABU?

Mastercard’s ABU service helps to bolster your business’s recurring checkout experience by allowing your customers to ‘set and forget’ their payment profile. Your customers’ payment information are automatically updated without any action on their part. ABU maximizes the success rate of your payment transactions being approved and offers your customers a seamless checkout experience.

How do I enroll in Automatic Billing Updater?

Mastercard’s ABU service may be offered through your payment acquirer or payment processor. You may also integrate directly with Mastercard via APIs.

What is Automatic Billing Updater?

Mastercard Automatic Billing Updater (ABU) is an account updater service which helps your card issuer provide updates made to your payment card account throughout the lifecycle of your relationship with your issuer.

When your card is opened, renewed, replaced, or closed, your issuer can inform Mastercard to store the lifecycle update event.

What are the benefits of ABU?

Mastercard ABU offers the convenience of not having to update your account details where you have stored your card information. Mastercard can provide this information to your merchants on your behalf, so you can continue to make payments with your preferred merchants without worrying about transaction declines due to outdated payment credentials. This also helps to ensure that your bill payments are made on time, preventing any service disruptions and late fees.

How can I check if my card is enrolled in ABU?

Contact your card issuer to find out if your issuer is sending account updates to Mastercard’s ABU service.

Can I choose whether to participate in ABU?

Contact your card issuer about your participation preferences in Mastercard’s ABU service.

Can I pay my billers who accept Mastercard® directly from this site?

No. To pay a bill, please call your biller or visit their website.

Do I have to pay a fee for bill payment using a Mastercard?

Mastercard does not charge a fee for bill payment, though your service provider might charge a fee. Be sure to ask them about fees or any restrictions associated with making a payment using your Mastercard.

How do I pay a bill with a Mastercard?

Please contact your biller to make an electronic payment. Payment is often offered through their website or by phone.

How often can I make automatic bill payments, and when do bills get paid?

Automatic bill pay is an arrangement you make with your selected biller or service provider(s), so you'll need to contact them directly to arrange payments. Each biller has its own procedure for automatic bill payment.

Is there a limit to the number of automatic bill payments I can have on a Mastercard?

No, but you may be limited in making overall charges to your Mastercard account if doing so would cause you to exceed your credit limit.

Who issued my card?

Find your card issuer's contact information on the back of your Mastercard and on your billing statement.

Which cards can I use to pay bills?

You can use any credit or debit card with the Mastercard logo, though you should confirm with each biller that they accept this card as a form of payment.

What is automatic bill payment?

Automatic bill payment allows your selected service providers to automatically charge your Mastercard account on a regular basis. This can help you avoid late fees and charges.

What is manual bill payment?

Manual bill payment means you initiate the payment process yourself. This gives you the freedom to select the payment date and amount each time a bill is due.

If I enroll in automatic bill payment, will I continue to receive a bill?

Most billers continue to mail a paper bill, though some providers may offer an online bill or no bill at all. This can be determined when you set up your automatic bill payment plan.

What information will the service provider/biller request?

Bill pay is an arrangement you make with your selected service provider(s), so you will need to contact each provider directly to arrange payment amounts and scheduling.

Typically, you'll be asked for your Mastercard account number and expiration date, though you might also be asked for additional information. For automatic bill payment, you may also need to specify the payment amount and specific date you wish to be charged.

What if my Mastercard account information changes?

If your Mastercard account information changes due to a lost or stolen card, a new expiration date or an upgrade to a new product, be sure to provide each biller with the updated account information in order to prevent an interruption in service. We recommend you keep a list of billers that you pay automatically so you can efficiently update this information when necessary.

What if I want to stop an automatic bill payment?

Contact your biller directly and follow their procedures to cancel or change the method of payment.

What if I don't agree with a payment amount made on my Mastercard statement?

We recommend that you review your paper or electronic bill prior to any payment being made with your Mastercard. However, if there is an error or question about a payment billed to your card, contact your biller immediately to resolve any discrepancies.

As a Mastercard cardholder, you are not responsible for unauthorized purchases charged to your account. Learn more about our Zero Liability Protection. Exceptions apply.

What are the benefits of bill payment using a Mastercard?

Using your Mastercard is much faster and more convenient than writing checks. You can initiate payments at any time and from anywhere in the world. Charges will appear on your monthly statement, so it's an easy and efficient way to stay organized and keep track of your expenses. In addition, if you use automatic bill payment you won't have to worry about missed payments or late fees. Depending on the card you use, you may also be eligible to earn rewards.

What do I do if I'm having problems accessing mastercard.com?

If you encounter problems with mastercard.com, please try an alternate browser or update your browser to the latest version. This site is optimized for the following browsers:

• Google Chrome (latest version)
• Firefox (latest version)
• Safari (latest version)
• Edge (latest version)

What card benefits, features and insurance are provided at no cost to me with my Mastercard®?

Mastercard provides many different card benefits, features and insurance that vary depending on the specific card you use. To learn more, please contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

What happens if I lose an item I purchased with a Mastercard?

If you paid in full for the item with your Mastercard, you may be eligible for replacement or reimbursement. To learn more, contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111

What rental car insurance does Mastercard provide when I rent a car using a Mastercard?

Rental insurance differs by location and varies based on the specific card you have. To learn more, contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

How can I find out more about my card benefits?

Mastercard provides many different features and benefits, depending on the specific card you have. To find out which benefits are offered by your card, contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

How do I file a claim for card benefits?

To file a claim, call the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

What if my question isn't answered here?

If your question isn't listed here, we recommend you contact the financial institution that issued your card. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111. If you believe your question can only be answered by Mastercard, please submit your question here.

How can I get the name of the merchant where my card account was compromised?

We appreciate the serious impact a card account breach has on a consumer and we take each card breach occurrence very seriously; working closely with investigative agencies and increasing penalties to processors who allow these breaches.

Mastercard® isn't provided the data to determine which merchant transaction caused a card breach, but we encourage you to contact the financial institution that issued your Mastercard with this question. You can find their contact information on the back of your Mastercard and on your billing statement.

What is cash with purchase?

Cash with purchase is a service offered by select retailers that allows consumers to get cash from their debit card when making a purchase.

Do I need to use my debit card to get cash back?

Yes, since the funds are drawn from an account linked to your debit card.

Is there a fee for this service?

Although the majority of retailers do not charge for this service, there are some locations that charge a fee.

What's the advantage of getting cash at purchase?

Cash with purchase is a convenient way to quickly and easily get cash from your account while shopping at your favorite retail locations, without having to go to an ATM. Plus, in most cases, there's no fee for this service, whereas you may be charged a fee at the ATM.

What's the maximum amount of cash I can get with my purchase?

The amount of cash you can get may vary by merchant and be subject to availability of funds at the time of purchase. If you have questions about the availability of funds at a particular merchant, please contact the merchant directly. The amount you can take out is also subject to the availability of funds in the account linked to your debit card.

What's a chip card?

A chip card is like a traditional magnetic stripe card, but it has an embedded microchip which encrypts your information, making it extremely difficult for the card to be copied or counterfeited.

Rather than swiping your chip card, you insert the chip end into the terminal to complete the transaction. Your card may also have contactless capabilities, so you can simply tap it at checkout when given the option.

Your chip card will also have a magnetic stripe on the back, so it's usable with any merchant, even if they haven't yet transitioned to new, chip-enabled terminals.

Are chip cards new?

Chip cards are relatively new in the US, though they have been in use elsewhere around the world for many years.

What are the benefits of the chip?

The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards. A chip card is virtually impossible to counterfeit.

Where can I use my chip card?

Use your chip card anywhere you use your magnetic stripe card. Insert it into terminals that are chip-enabled or swipe it the old fashioned way. You can also use your chip card for online payments, telephone payments and at ATMs, just like a traditional magnetic stripe card.

Whom do I contact if I want more information?

For more information about your chip card, please contact the financial institution that issued your Mastercard®. See the back of your Mastercard or your billing statement for their contact information.

Why is my card being upgraded to a chip card?

Your new chip card provides added security. Chip cards are being introduced in the US after much success in other parts of the world.

What's my PIN?

If you forgot your PIN or want to change it, please contact the financial institution that issued your Mastercard. See the back of your Mastercard or your billing statement for your issuer's contact information.

How does the chip work?

The chip communicates with the terminal to determine whether the card is authentic. If using a chip and pin debit card in the U.S, you'll be asked for your PIN at the time of transaction. If using a chip and pin credit card, no PIN will be required.

How do I know if my chip card has Mastercard contactless?

Cards that have contactless capabilities will have the word "contactless" and may also have a contactless symbol on the card. You can tap to pay at merchants that have the following symbol or contactless on the terminal:

If a merchant doesn't have this capability, you'll need to insert your chip card into the terminal.

What is Mastercard® contactless?

Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob or smart phone is all it takes to pay at checkout.

Why should I use contactless?

There are many benefits to contactless payments:

• It's like having exact change wherever you go, so you don't have to worry about carrying around cash or fishing for coins.
• You're in control because your contactless-enabled card or device never leaves your hand at checkout.
• You get better record-keeping of all your purchases than you do when using cash.
• It's fast and ideal at places where speed is essential, like stadiums, fast food restaurants, gas stations and more.

Where can I make contactless payments?

Simply tap to pay anywhere you see the contactless symbol at checkout. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more.

Find participating locations

If you don't see the contactless symbol, your contactless-enabled card can still be used by inserting your chip or swiping at checkout.

How do I pay with Mastercard contactless?

To make a purchase, simply tap your Mastercard contactless card, key fob or smart phone on the payment reader when checking out at participating retail locations.

Find participating locations

Can I use my contactless card or device on payment readers that don't display the contactless logo?

You can make contactless payments on any contactless payment reader that displays this symbol . You may also use contactless cards in magnetic stripe readers by swiping the card. However, you cannot use a contacless key fob or smart phone in a magnetic stripe reader.

How close does the "tap" have to be to the checkout reader?

Typically, when you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal at the counter. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.

How will purchases appear on my monthly statement?

Purchases made with contactless will be displayed on your Mastercard statement just like any other purchase.

How does contactless work?

Contactless uses a hidden, embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way.

What is a key fob or payment tag?

A key fob or payment tag is a special contactless device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional primary Mastercard plastic card.

Do I have to treat my Mastercard contactless card or device in any special way?

Treat your contactless card or device as you would any other credit, debit or prepaid card. Always know where your contactless card or device is and keep it in a safe place. And be sure to keep a record of all of your card numbers, expiration dates and emergency phone numbers.

Is there a battery?

No, there is no battery.

Do I need to turn it on/off?

If you have a contactless-enabled mobile phone, you can turn it on or off. If you are using a contactless card or fob, it's always on and ready to use.

Is contactless secure?

Yes. Contactless payments provide secure encryption technology and Zero Liability Protection and are as secure as your regular card.

• You're in control – your contactless-enabled card or device never leaves your hands to make a payment
• No accidental payments – your contactless-enabled card or device must be close to the reader at checkout to work
• Not billed twice – even if you tap more than once at checkout, you'll only get billed once for your purchase

What do I do if my contactless card or device has been lost or stolen?

If you've lost your card or you suspect unauthorized activity on your account, immediately contact the financial institution that issued your card. If you don't know your card issuer's number, contact Mastercard and we will assist you in finding that information.

Contact us

What if my question isn't answered here?

If your question isn't listed here, we recommend you contact the financial institution that issued your card. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111. If you believe your question can only be answered by Mastercard, click here to submit your question.

What is a co-brand card program?

A co-brand card program is a partnership between Mastercard®, a Mastercard-issuing financial institution and a suitable partner company wishing to grow its business by offering added value. The co-branded card program is then marketed to that partner company's customer base.

What kinds of businesses have successful co-brand programs?

Many different industries have successfully implemented co-brand programs, including airlines, gasoline providers, automotive companies, warehouse clubs and supermarkets. One thing these companies have in common is a growing base of customers who purchase products or services on a recurring basis.

Who is responsible for promoting a co-brand card?

The level of support provided and the degree of responsibility for designing and implementing the solicitations and card promotions will depend on the agreement reached between the partner and the card issuer. Mastercard has many different levels of support and expertise available to help a company market its co-brand card and grow its business.

What does a Mastercard co-brand card look like?

Co-brand cards carry the Mastercard logo and must conform to certain Mastercard design standards. Mastercard rules permit the partner's logo to be a dominant feature on the face of the card. The name of the Mastercard issuing financial institution may appear, but it is not required. This and other card design details will be determined by the partner and the card issuer.

How do I find an issuer for a co-brand alliance?

The first place to begin is with a bank or financial institution with which your company already has a relationship. Or, Mastercard can provide a list of potential financial institutions from among the thousands we have done business with over the years.

What role does Mastercard play in developing a co-brand program?

That depends on the goals and budget of the partner company. However, Mastercard has a dedicated staff of highly experienced co-brand specialists who can help a company evaluate and establish a co-brand partnership that will meet the objectives of all parties involved.

Where can I find exchange rate information?

In order to provide easy access to exchange rate information, Mastercard® has created a tool using multiple market sources, including Bloomberg, Reuters, Central Banks and others.

Click here to visit our Currency Conversion Tool

What's the currency rate for a country I'm visiting?

Visit our website for the latest currency exchange rates in the country you're visiting.

How is currency conversion charged to my account?

We recommend that you contact the financial institution that issued your card to determine the currency conversion charges that are applied to foreign transactions. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

I made a purchase in my local currency, so why was I charged a currency conversion fee?

We recommend that you contact the financial institution that issued your card to determine the currency conversion charges that are applied to foreign transactions. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

A merchant didn't let me choose the currency for my payment. What should I do?

Thank you for your feedback and we’re sorry you had a bad experience at a merchant that accepts Mastercard. Mastercard investigates all complaints of deceptive merchant practices. Should you wish to speak with someone directly regarding this communication, feel free to send us an email.

How will purchases appear on my monthly statement?

Purchases made with contactless will be displayed on your Mastercard statement just like any other purchase.

How does contactless work?

Contactless uses a hidden, embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way.

What is a key fob or payment tag?

A key fob or payment tag is a special contactless device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional primary Mastercard plastic card.

Do I have to treat my Mastercard contactless card or device in any special way?

Treat your contactless card or device as you would any other credit, debit or prepaid card. Always know where your contactless card or device is and keep it in a safe place. And be sure to keep a record of all of your card numbers, expiration dates and emergency phone numbers.

Is there a battery?

No, there is no battery.

Do I need to turn it on/off?

If you have a contactless-enabled mobile phone, you can turn it on or off. If you are using a contactless card or fob, it's always on and ready to use.

Is contactless secure?

Yes. Contactless payments provide secure encryption technology and Zero Liability Protection and are as secure as your regular card.

• You're in control – your contactless-enabled card or device never leaves your hands to make a payment
• No accidental payments – your contactless-enabled card or device must be close to the reader at checkout to work
• Not billed twice – even if you tap more than once at checkout, you'll only get billed once for your purchase

What do I do if my contactless card or device has been lost or stolen?

If you've lost your card or you suspect unauthorized activity on your account, immediately contact the financial institution that issued your card. If you don't know your card issuer's number, contact Mastercard and we will assist you in finding that information.

Contact us

What if my question isn't answered here?

If your question isn't listed here, we recommend you contact the financial institution that issued your card. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111. If you believe your question can only be answered by Mastercard, please submit your question here.

Where's the best place to get foreign currency?

The best place to get foreign currency is usually at your destination, not at home. At home, financial institutions have paid for transporting, securing and storing that foreign currency–– and those costs are passed on to you.

How much money should I exchange before I leave?

Only exchange enough money at home to pay for cabs, snacks and tips upon arrival.

ATMs are conveniently located at most airports and at major tourist destinations, as well as many other places. Use your bank’s ATM Finder app or the Mastercard® ATM Locator to find Mastercard ATMs online. You can also download the Mastercard Nearby app.

Where should I get foreign currency while I'm abroad?

Go to an ATM to get foreign currency at your destination, not an exchange bureau. The ATM may impose fees, but the exchange rate will be much more favorable than that of a currency exchange, so you'll save money overall.

Should I use a credit card to withdraw currency from an ATM while abroad?

Use a credit card to withdraw currency from a foreign ATM only if it’s your only option. Using a credit card at an ATM is considered a cash advance, which means:

• the fees will be highest (including cash advance and ATM surcharge fees)
• the withdrawal could affect your credit score (lenders might think you are borrowing money on your credit card)
• your available credit could be impacted
• you might incur finance charges on the cash advance immediately (no grace period)

Should I convert transactions into my home currency?

Merchants and ATM operators may offer to immediately convert the foreign price to your local currency, giving you a better idea of how much money you’re about to spend.

Although this seems like a good way to manage spending, it comes at a cost and incurs additional currency conversion fees (sometimes as much as 7%) to the transaction.

The best practice is to let the currency conversion be done by your home bank and decline the currency conversion option.

Should I tell my bank I'll be traveling abroad?

Yes, be sure to tell your bank you'll be traveling cross-border and where you're going. Your bank might decline a transaction for your protection unless they know the card's been authorized for use in countries other than your home country.

Many issuers allow you to register travel plans online in lieu of calling – check your issuer’s website.

What is the GDPR?

The General Data Protection Regulation (GDPR) is a set of legal requirements for companies concerned with collecting, processing and protecting personal data. It was adopted in the EU in Spring 2016 and entered into force as of May 25, 2018. Learn more about the GDPR here. 

What is Mastercard® Identity Check ?

The Identity Check Program uses the EMV 3-D Secure protocol in combination with Mastercard proprietary technologies to deliver global authentication solutions. This global program is designed to increase security for digital transactions, enhance data exchange between merchants and issuers for use in approval decisions, and provide a userfriendly authentication experience.

Why should I use Identity Check?

One key focus is to avoid cardholder and merchant abandonment due to confusing authentication methods that are potentially less secure. Identity Check provides a way to replace static passwords, forgettable security questions, and other outdated methods with more secure ones, such as:

• Risk-based authentication
• Biometrics
• One-time pass codes, or
• Authentication that happened before an EMV 3DS authentication transaction, for example, FIDO credentials already established.

I work in law enforcement and I'm investigating a fraud case, whom can I speak with?

Please email our Law Enforcement Support Center. Please do not include full card numbers in the email; provide only the first 6-digits. We'll respond to your inquiry within 72 hours.

Please also be advised that Mastercard® does not maintain accounts or establish individual customer relationships with cardholders. While banks and financial institutions do issue cards branded with the Mastercard name and mark under a license from Mastercard, the actual relationship with a cardholder is solely that of the issuing institution. As a result, any account information is maintained by the bank or financial institution that issues the Mastercard, including periodic statements, disclosures and communications to the cardholder.

Where can I get Mastercard logos?

Downloadable logo artwork, usage guidelines and decals to order are available at the Mastercard® Brand Center.

How do I report my Mastercard® as lost or stolen?

If your card is lost or stolen, please contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372) or collect from outside the U.S. at 1-636-722-7111 and a Mastercard representative will be able to assist you in filing a lost or stolen card report. You should also contact the financial institution that issued your Mastercard.

See our full list of emergency contact numbers. 

We're here  to assist you 24 hours a day, 365 days a year. Call to speak with a representative regarding:

• Lost or stolen cards
• Emergency replacement cards
• Emergency cash advances
• How to locate an ATM that accepts Mastercard, Maestro and Cirrus brands
• Questions about applicable card benefits

What liability do I have for unauthorized purchases made on a lost or stolen Mastercard?

If you have Mastercard Zero Liability Protection, once you report your card to Mastercard as lost or stolen, no unauthorized charges should be posted to your account. However, we recommend you review your next two billing statements just to be sure. If you see unauthorized transactions, please promptly contact the financial institution that issued your card. Look for their customer service number on the back of the card or on your billing statement. You can also contact the Mastercard Assistance Center either toll-free at 1-800-Mastercard (1-800-627-8372) or collect from outside the U.S. at 1-636-722-7111.

How can I get a replacement card?

Mastercard can assist you in getting a replacement by working with the financial institution that issued your card. Replacement cards require that your financial institution authorizes a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center either toll-free at 1-800-Mastercard (1-800-627-8372) or collect from outside the U.S. at 1-636-722-7111.

What if my question isn't answered here?

If your question isn't listed here, we recommend you contact the financial institution that issued your card. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372) or collect from outside the U.S. at 1-636-722-7111. If you believe  your question can only be answered by Mastercard, please submit your question here.

What is Mastercard Nearby?

Mastercard Nearby is a mobile app that helps you quickly and easily find places where you can get access to cash or make a purchase.

On which mobile devices is Mastercard Nearby available?

Mastercard Nearby is available for iPhone, Android and Windows phones as well as a Windows PC or tablet.

What can I find on Mastercard Nearby?

Find the following on the Mastercard Nearby app:

• 2 million ATMs worldwide 
• Your own bank's ATMs
• U.S. merchants that offer cash back at checkout when you make a purchase using a debit card
• U.S. locations to purchase or reload a prepaid card
• Locations where you can use your contactless-enabled card or device to make a purchase, including Apple PayTM enabled devices

How do I use the Mastercard Nearby app?

It's simple; just select the services you want and the app will display locations near you. You can also search for locations by entering an address in the search field. Choose from List or Map view, then select a location to display information, share via e-mail or text and, depending on your location, get driving directions. You can also report a problem with a location through the app.

Which search filters are available?

You can search for ATMs by financial institution name or by filtering for the following features:

• Drive-through
• 24-Hour service
• Wheelchair accessible
• No surcharge -  ATMs that participate in the surcharge-free alliance network and don't charge fees for cash withdrawal
• No access fee - ATMs that don't charge a fee for cards issued within the country
• Deposit sharing
• ATMs located inside a financial institution
• Chip reader enabled

   

You can also search for participating Mastercard contactless and cash back merchants by merchant name or category including:

• Apparel
• Automotive
• Convenience stores
• Restaurants
• Gas stations
• Transportation

Finally, you can search for Mastercard rePower locations by type:

• Card Swipe method
• MoneyPak or Vanilla Reload
• Western Union locations

What are cash back locations?

ash back locations are merchants that offer cash back when making a purchase with your debit card.

Do I need to have Location Services enabled in order to use Mastercard Nearby?

Location Services must be turned on in your phone settings if you would like the app to find locations near you. If Location Services is not turned on, you can still search for a location by typing a street address into the Search bar.

Why am I having trouble finding locations in a specific country or region?

If you don't receive any results in a particular country or region, the information is currently not available. We are continually working with financial institutions and merchants around the world to expand our location database and provide you with the most up to date and accurate location information.

Why do all of the locations show up in the center of the city?

In countries where street level mapping showing precise street addresses is not yet available, locations default to the city or postal code center. We're continually adding street level mapping in new regions and territories around the world. 

Why aren't driving directions available for my region?

We're unable to provide driving directions in regions that don't have street level mapping capability. 

How can I find out how to navigate the app?

Mastercard Nearby has a tutorial you can follow when you first install the app, or access it any time through the app by going to About - View Tutorial.

What is the All tab on the top slider bar?

The All view shows all the services you selected. If you wish to view only a single service at a time, use the top slider bar to select that service.

What does a number pin on the map mean?

A number pin indicates that multiple services are available at a single location.

Why aren't I getting any results when I type an address in the search bar?

Try entering additional address information such as street, city/town, state/province. You may also want to modify your radius in your settings to ensure you don't have too small or too large of a radius selected.

Can I send location information?

Yes, locations can be shared from the location detail page by clicking on the share icon. You can send location information via email or SMS text.

How do I find my own bank's ATMs?

Select ATM from the top slider bar and click the filter icon on the bottom bar. Then select the financial institution you want to search for from the drop-down list.

How can I select specific merchants or categories?

You can filter merchants for contactless and cash back locations. Select cash back or contactless from the top slider bar and click the filter icon on the bottom bar. You can filter by merchant name or category.

How do I report a problem with a location?

Click on a location from the map or list view, then go into Location Details. Select the icon to Report a Problem, then select a pre-defined problem from the drop-down list. You can also select Other and enter a description of the problem.

Can I change my search radius?

Yes, you can select a radius between 1 to 25 miles (or km) in the app Settings.

What data does Mastercard collect and how does Mastercard use it?

When processing a purchase transaction, we collect limited information such as card number, merchant name, location, and the date and amount of the transaction. Importantly, we do not generally collect the cardholder’s name, address or other directly identifiable information. We may collect additional personal information in other contexts, such as for fraud monitoring and prevention, authentication, risk management and dispute resolution, or when individuals decide to participate in one of our optional programs such as Priceless Cities.

How does Mastercard capture the value of data while protecting people’s privacy?

We help businesses, governments, the public sector and individuals better understand the world around them. To achieve this, we remove personal information by anonymizing data and produce aggregated trends and insights. One way that we use these trends and insights is for social good, thereby advancing financial inclusion and humanitarian efforts around the globe. Combined with our strong commitment to data ethics, this contributes to effective outcomes while respecting people’s privacy and human rights.

How can individuals know more about what data Mastercard collects and how that information may be used?

Transparency is core to Mastercard. We explain how we handle individuals’ personal information in our Global Privacy Notice, which is complemented by specific privacy notices for certain products and services. As a service provider, we refer individuals to the privacy notice provided by those third parties for more information on how their personal information is handled.

Does Mastercard share transaction data?

We do not share transaction data without consent or as otherwise legally permitted such as in the context of fraud prevention.

Does Mastercard comply with the GDPR?

Yes, in fact we’ve embraced the change as an opportunity to examine our data practices – ultimately deciding to go further and implement key consumer protections from the GDPR to our individual users around the globe. For instance, we will soon make our online portal available globally, so that individuals everywhere will be able to access, correct, modify or move their personal information. Find out about our approach to GDPR compliance in the EU GDPR FAQ page.

Has Mastercard received recognition for its privacy practices?

Yes. In Europe, our Binding Corporate Rules (“BCRs”) have been approved by EEA Data Protection Authorities and allow us to transfer personal information from our cardholders, customers, partners and employees to all Mastercard entities globally.  In 2019, Mastercard also received certifications under the Asia-Pacific Economic Cooperation (APEC) Cross-Border Privacy Rules system and the Privacy Recognition for Processors system.  For more information on the APEC systems, please visit: http://cbprs.org.

What steps does Mastercard take to ensure privacy is protected?

We take your privacy very seriously. That's why we embed privacy safeguards into all of our products and services, limiting data use to only what’s necessary and looking for ways to encrypt or de-identify personal information while making sure each product is still convenient and easy to use. In addition, we employ rigorous standards to ensure the safety and security of data not only within Mastercard, but with all our partners and vendors as well.

Who owns personal information?

Your personal information belongs to you; you control how it is used.

How can individuals control how their data is being used?

We provide individuals with privacy rights and choices. You can opt out of your personal information being used for marketing, data analytics and web analytics at any time and at no cost, using our online forms. Individuals also have the right to access, correct, modify or move their personal information via our online portal, which is currently available for all users located in the European Union and will shortly be accessible worldwide.

Where can I get a Mastercard® Everyday Prepaid Card?

Find the Mastercard Everyday Prepaid Card that's right for you; they're available at participating stores and online at Mastercard Prepaid cards. 

Do I have to activate and register my prepaid card before using it?

Activation and registration requirements vary, so check your card packaging for detailed instructions. However, you'll need to register your card in order to take advantage of the reload function, Zero Liability Protection and card replacement benefits offered by your prepaid card.

How do I use my Mastercard Everyday Prepaid Card?

Use your Everyday Prepaid Card like a regular debit or credit card at checkout; swipe it at the terminal or give it to the cashier if requested. Your purchase will automatically be deducted from the card balance.

Where can I use my Mastercard Everyday Prepaid Card?

Use your Mastercard Everyday Prepaid Card anywhere that Debit Mastercard is accepted, including millions of locations worldwide plus online, mail and phone orders. You can also use your card to pay bills online.

My available card balance won't cover my purchase amount. Can I still use my prepaid card?

Yes, just tell the cashier in advance how much to deduct from your prepaid card and how much you will pay using an alternate payment method. Note that this process, known as "split tender," may not be supported by all merchants.

How do I return an item purchased with a Mastercard Everyday Prepaid Card?

When you make a return, the cashier may ask to see your card. The value of the returned merchandise will be credited back to the card.

I can't find my Mastercard Everyday Prepaid Card. What should I do?

If you registered your Mastercard Everyday Prepaid Card, your issuer can use the information you provided during registration to issue a replacement card. Be sure to keep a record of the card number.

Contact the issuer immediately to report a lost or stolen card. You can also contact Emergency Services for additional assistance.

Mastercard Everyday Prepaid Cards that have been registered include Zero Liability Protection. Certain exceptions apply.

How do I add funds to my card?

The best way to add funds to your card is to set up direct deposit of your paycheck. Direct deposit information varies, so check your card packaging or contact the card issuer.

You can also add money to your card at participating retail locations. Check your card packaging or contact the card issuer to find out which retailers are supported. 

Where can I get a Mastercard Prepaid Gift Card?

Mastercard Prepaid Gift Cards are available at bank branches, retail locations, online and via phone. There are many card styles to choose from, some of which can be customized with unique designs, the recipient's name and personal messages. It's easy to find the prepaid gift card that's right for you.

I received a Mastercard Prepaid Gift Card. Do I need to activate or register my card before using it?

Many Mastercard Prepaid Gift Cards sold in retail locations are automatically activated when the card is purchased. Call the customer service number on the back of the card if you have questions about activation. For online and telephone purchases, you may need to register your card with the card issuer. 

How long can I use my Mastercard Prepaid Gift Card?

You can make purchases on your prepaid gift card until the value of the card has been depleted, or until the expiration date shown on the card.

How do prepaid travel cards work?

Prepaid travel cards work just like all Mastercard Prepaid Cards, which means you can spend up to the value placed on the card anywhere Debit Mastercard is accepted. 

You might want to check your card balance before you shop since the merchant or service provider may not be able to retrieve this information for you. 

How can I get the balance on my prepaid travel card?

Depending on your card, you may be able to check your balance on the issuer's website. Certain merchants will also have the ability to read your card's balance for you.

What if my card is lost or stolen?

Contact the issuer of your card immediately to report a lost or stolen card. There is a customer service number listed on the back of the card. Be sure to keep a record of the Mastercard Travel Card number. Your issuer may need this information to cancel the card and issue a replacement.

Mastercard Travel Prepaid Cards that have been registered may include Zero Liability Protection. Certain exceptions apply.

What is Mastercard rePower?

The Mastercard rePower Load Network is a service that allows you to add money to your eligible Mastercard Prepaid Card at participating merchants.

View the  rePower FAQs  to learn more.

How do I get my Mastercard Prepaid Card balance?

Follow the instructions provided with your card. Generally, this includes either visiting the card issuer's website or by calling the phone number on the back of the card.

What if my question isn't answered here?

If your question isn't listed here, we recommend you contact the financial institution that issued your card. Look for a customer service number on the back of the card. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111. If you believe  your question can only be answered by Mastercard, please submit your question here.

How can I get a replacement card?

Mastercard® can assist you in getting a replacement card by working with the financial institution that issued your card to acquire a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U.S. at 1-636-722-7111.

I received an email/phone call from Mastercard® about my account, but it appears to be a scam or a phishing email. What should I do?

Phishing is a scam used to obtain personal and financial information, in order to gain access to individuals’ accounts — which can result in identity theft and financial loss.

If you have received or been the victim of a phishing attack via email, text or phone, please report this incident to StopIT@mastercard.com. StopIT is a Mastercard program initiated to help combat phishing attacks targeting Mastercard and its cardholders.

PLEASE NOTE: The StopIT@mastercard.com email is for reporting phishing incidents only. Mastercard’s StopIT Program cannot resolve consumer fraud complaints. If you have identified suspicious activity, including unauthorized transactions on your card account, contact your issuing bank. Their number can be found on the back of your card.

For all other fraud complaints, you may contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372) if you’re in the U.S. or collect from outside the U.S. at 1-636-722-7111.

What is Mastercard's policy when it comes to reporting security vulnerabilities?

At Mastercard®, safety and security are foundational principles central to every part of our company and the innovative technology platforms and services we enable. We know that secure products and services are essential to the trust that our customers, cardholders, merchants and other partners place in us.

If you believe you have identified a security vulnerability, we encourage you to report this to us as soon as possible through our vulnerability reporting program. We'll investigate all verifiable and legitimate reports and do our best to fix the problem as quickly as possible. 

What platforms and vulnerability categories are in scope?

Currently, the following platforms and vulnerability categories are in scope under our vulnerability reporting program (bug bounty program):

Platforms

• Mastercard.us
• Priceless.com
• Simplify Commerce

Vulnerability categories

• Cross-site scripting
• Cross-site request forgery
• Insecure direct object references
• Injection vulnerabilities
• Authentication vulnerabilities
• Server-side code execution
• Privilege escalation
• Significant security misconfiguration (when not caused by user)

What if I identify vulnerabilities or issues outside of these areas?

Security is our top priority. We're relentless in securing our digital assets and we welcome the opportunity to collaborate with the technology and cybersecurity research community. To submit potential security vulnerabilities to us, please send us an email. Please note that information provided through this email link is not eligible for compensation under our vulnerability reporting program.  

What is the reward process for reported vulnerabilities?

Monetary rewards are offered to external security researchers if they identify an issue on one of the in-scope platforms. Compensation depends on the severity and impact of the identified issue.