Generally, you can pay with your Bilder card in most places where debit cards with Mastercard logo are accepted. But, if you’re planning on taking your card abroad, check the lists below for countries where you won’t be able to use it:
Iran, Democratic People’s Republic of Korea (DPRK) or North Korea, Sudan, Syrian Arab Republic, The Crimea Region, Cuba, Afghanistan, Iraq, Lebanon, Libya, South Sudan, Yemen, Palestine, Ethiopia, Russia, Somalia, Venezuela, Zimbabwe.
In Belarus, using a Bilder Mastercard for payments and cash withdrawals at ATMs is not prohibited; however, some local banks are under sanctions, and therefore transactions may be refused at payment terminals or ATMs.
Online payments
You can use your Bilder card to make online payments, too. For some online payments, you’ll be asked to approve the payment from your Bilder app, or using a voice password and code sent by SMS. This is called a 3D Secure (3DS) online payment and is an added level of security some websites ask for. Once you approve, your payment will go through as normal.
Some websites only accept locally issued cards. So if your online payment gets declined, that might be why.
Sometimes cards payments can be declined, it's probably due to restrictions by the merchants, by card issuer, technical issues or because the merchant doesn't accept Bilder cards.
Voice password can be checked in personal account or in app:
Personal Web Panel:
Go to "Cards" section
Choose a card
Select "Card Info"
Usually the password is hidden
Select "Show" on "Voice password" (to view the password)
If you want to change - choose "Change" and enter the new password
SMS code will be sent to the phone number registered for the Card under the Voice password. You can change the phone number for receiving the SMS code by clicking Update.
Mobile App:
Go to "Cards" section
Choose a card
Select "About"
Open "Card Info"
Usually the password is hidden
Select "Show" on "Voice password" (to view the password)
if you want to change - choose "Change" and enter the new password
SMS code will be sent to the phone number registered for the Card under the Voice password. You can change the phone number for receiving the SMS code by clicking Update.
Some websites might check additional verification providing the billing address. If provided address doesn't match the payment gets declined.
You always can check actual billing address in your Personal Web Panel or Mobile App.
Personal Web Panel:
Go to "Cards" section
Choose a card
Select "Billing address"
If you want to change - choose "Update" and update new address
Mobile App:
Go to "Cards" section
Choose a card
Select "About" open "Billing address"
If you want to change - choose "Update" and update new address.
Cash withdrawals
You can also withdraw cash from most ATMs — except the countries specified for card transactions. If you don’t know of any ATM near you, just use the Mastercard ATM locator to find one.