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​All the İşbank Credit Cards offer you more than only shopping!​

chip&PIN

Maxinet

Üstü Kalsın

Credit Card Supportive Insurance

​What is chip&PIN?

chip&PIN is a new way of payment highly reducing credit card loss/steal /copy risks. By this method, the chip on the credit card reduces the risk of copy. On the other hand, the 4- digit- PIN mostly prevents the risk of the use of the card by other people if it is lost or stolen.

With Chip&PIN method, a more secure season has started in shopping. If you would like to confirm your payments with PIN in all of your shopping, first you have to activate your PIN.

What is the PIN?

If you activated the PIN of your Maximum Card, you will be required to enter 4-digit-PIN in your payments, just like in Bankamatiks. Since the first PIN, given by our Bank is temporary you should change it as soon as possible. You can use your new permanent PIN of your credit card, defined by you, in shopping and cash transactions. If you have changed your PIN, it means you already have a permanent PIN.

I lost/forgot my PIN. What can I do?

If you do not know your temporary PIN  or you have not received your PIN yet, you can find out your PIN by calling 0 850 724 0 724 of our Telephone Branch (by dialing 99, you can switch to English) or you can find out your PIN from POS devices in our branches. In case you forget your permanent PIN, you can learn it by calling 0 850 724 0 724, our Telephone Branch or you can have a new 4-digit PIN via POS devices in our branches.

How to change your PIN

You can change your Maximum Card’s temporary PIN from our Telephone Branch at 0 850 724 0 724, Bankamatiks or from POS devices in our branches

Your credit card’s PIN will be activated with the first online transaction made by your card with POS or Bankamatik.

Can I change the activated PIN of my Maximum Card?

Yes, you can change your activated PIN with Bankamatiks which have chip&PIN logo or from other banks’ ATM devices which supports the chip&PIN.

Can I make any transaction if I do not activate my PIN?

According to an agreement of all the banks in the Turkey, from 30 June 2007 on, PIN usage is mandatory for payments made with credit card. For this reason, instantly change your temporary PIN of your credit card  and start using your new PIN in POS and Bankamatik devices.

How does chip&PIN work?

Sales person will insert your Maximum Card into POS device’ chip reader when you want to pay.
If your PIN is active, chip reader will require to enter your PIN into POS or PINPAD device.
After checking your payment amount, enter your PIN and press enter button in order to confirm your payment.
Since your PIN is private, it cannot be seen on the screen. Instead, you will see stars standing for each of the digits of your PIN.
If you make a mistake while entering your PIN, please press clear button and re enter your PIN again.
The screen will inform you about completion of the payment. After the payment confirmation, POS will print a slip. You do not have to sign it since you've paid by entering your PIN.
Do not show or tell your PIN anyone including sales person.
Change your PIN in cases if you have a doubtthat someone have seen your PIN.

What happens if I enter my PIN incorrectly?

POS or PINPAD device screen will inform you whether you enter your PIN correctly or not. You PIN will be blocked in case you enter your PIN incorrectly 3 times. In case your PIN is blocked, you can change your activated PIN with chip&PIN logo Bankamatiks and or from other banks’ ATM devices which supports the chip&PIN

Bankamatik devices with chip&PIN logo. Additionally, your blocked PIN will be automatically activated from your first POS or Bankamatik device use.

Important notes about your PIN!

You can change your PIN by visiting the nearest Bankamatik.
While defining your PIN, do not use predictable numbers such as your telephone number’s part, your birthdates or easily predictable number combinations. Do not use PIN like 9999, 9876 or 1234.
Do not share your PIN and other security information to anyone including sales responsible.
Do not allow anyone else to use your Maximum Card.
Do not keep your PIN in written notes; do not write it on a card or save it anywhere.
Our bank or sales rperson will not demand your any of security information or PIN want you toor send these information via e mail. Do not rely on these kinds of demands.


​What is Maxinet (3D Secure)?

Developed by Visa and MasterCard, this system is an additional layer of security offered to your service for more secure online shopping. The application of the system developed for the Visa credit card usage is called "Verified by Visa", while application developed for MasterCard is called "SecureCode".

How does Maxinet work?

A new window will be opened when you click for payment button on a secure web site for online shopping. On this page, you will see a “Personal Assurance Message”, which is special information for you, along with your shopping information. At this moment, a one time SMS will be sent to your mobile phone number registered in our system. In this message, you will receive a pin to be used for confirmation and a transaction code. After checking that “Personal Assurance Message” belongs to you, and identifying yourself to the system with the pin, the transaction will be completed. The shopping transaction will not be completed until you enter the pin.

You have to enter your pin received via SMS within 3 minutes. Otherwise your pin become invalid. In case your pin became invalid, you will be able to ask for a second SMS from the  screen. This SMS shall be valid for 5 minutes. 3 different SMSs can be demanded in a single shopping transaction. Your transaction shall not be completed in case of 3 incorrect pin entries.

If your mobile phone information is not registered in our system, you can update your mobile phone information

via our Bankamatik devices using Update Information menu,
via Internet Branch by using mobile key, I-key and mobile signature (in accordance with the Internet Branch transaction limitation code)
via our Branches.

The shopping amounts spent with Maxinet are appeared in the statement in the same way as the other shopping made with your credit card.

Important Tips to Consider While Shopping Online

Make sure that the web site you visited while using internet is a well known and secure web site. Please do not forget there are some fake (phishing) websites on the internet to access your credit card information.
Do not give your credit card number and expire date to the web sites for asking only for information purposes.
If you are ordering a product, make sure that the shipping and insurance information if available are clearly stated.
Do not use your credit cards on the web sites which are giving exaggerated suggestions and explanations that can not be true.
Make sure that the telephone and fax numbers and the mail address of the relevant company are clearly stated on the web sites where you purchase goods or you become a paid member of. If you have any doubts, you can call the telephone or fax numbers to check before giving any order.
If you are asked to give your card pin while shopping online, never give your card pin.
Use Maxinet for most secure shopping.

For Further Questions

You can contact to our Call Center for all information about your credit card.

You can make an objection regarding your credit card spending to the following address or fax number in 15 days at the latest in written by stating the merchant name, transaction date and amount.


​On the second step of Maximum Saving Campaign, İşbank introduces a brand new service in Turkey: Üstü Kalsın ®. Anyone with İşbank credit card and investment account will enjoy making savings while shopping with their credit cards.

By means of Üstü Kalsın ®, we will round up your credit card balance to your predetermined rounding amount, transfer the amount in excess of your credit card balance to your investment account, and buy 824 Maximum Card Type-B Short Term Bills and Bonds Fund shares depending on their minimum purchase amount .

All you need to do for starting saving without changing your shopping habits is to give your credit card Üstü Kalsın ® order. To give Üstü Kalsın ® order, select your İşbank credit card, choose between the rounding alternatives of “Round Up To 50” or “Round Up To 100”, and pick the investment account into which we shall be buying mutual fund shares.

You can sign up for Üstü Kalsın ® from our Branches, via our Internet Banking or by telephone at 0 850 724 0 724.

If you wish to give Üstü Kalsın ® order via 0 850 724 0 724, please click here ​to read the Terms & Conditions of Üstü Kalsın ® Sign-Up.

Üstü Kalsın ® functions as follows;

Provided that your total debt on the statement for the current month is TL 330 and your preferred Rounding Amount is “Round Up To 50”, your credit card balance will be calculated as TL 350, and the rounded-up difference of TL 20   will be transferred on the payment due date to your investment account to buy money market fund shares automatically on your behalf.  If your Rounding Amount were “Round Up To 100”, your credit card balance would be calculated as TL 400, and the rounded-up difference of TL 70 would be transferred to your investment account on the due date for buying mutual fund shares.

This privileged service enabling saving after monthly shopping is introduced only to holders of Maximum Card by İşbank, a pioneer in Turkey’s banking industry.

Üstü Kalsın ® round-ups will be invested in 824 Maximum Card Type-B Short Term Bills and Bonds Fund. Mutual fund share values will fluctuate with changes in market conditions as well as the investment objective of the fund. Shares, when redeemed, may be worth more or less than their original cost. The Bank reserves the right to change the type of fund into which Üstü Kalsın ®  round-ups shall be invested.


​Unemployment insurance to their credit card users from İşbank and Anadolu Hayat Emeklilik İşbank and Anadolu Hayat Emeklilik are now giving unemployment insurance service which they provided for cash, car and housing loan customers, to credit card users with ‘credit card supportive insurance (unemployment insurance). The debts of İşbank credit card users are now held covered with the premium amounts paid every month from the expenditures. In cases of unemployment, loss of life, permanent and total disability, temporary disability or disablement due to hospitalization, credit card debts are paid on behalf of the customer.

İşbank is holding covered their wage-working customers’ insured credit card’s latest account statement debt including the installments related to next months in case of unemployment. The same assurance is also given to independent business owners or civil service officials in case of disablement due to disability. Customers who work part time or constantly can also benefit from the same assurance in case of hospitalization. Their credit card debts are also paid in case of loss of life, total and permanent disability.

Credit card debts are assured up to 10.000 TL per credit card within application. Insurance premium amount is collected as 0, 5 % of account statement debt. Moreover, we provide 50 TL worth stable assurance for default interest and limit excess. If there is no credit card debt, we do not make any premium payment.

It is necessary for our customers to apply to Anadolu Pension by documenting that the risk has happened in order to be able to benefit from assurance within Credit Card Support Insurance (Unemployment Insurance).

In order to be able to benefit from Unemployment Insurance:

90 days need to pass since the beginning of the policy ( this period is not applied in case of policy’s renewal next year)
The unemployment, temporary disability or hospitalization needs to last 30 days constantly,
It is necessary that the employment lasted at least 6 months before the risk had happened.

The permanent unemployment or hospitalization needs to last at least 30 days as well. Credit Card Support Insurance (Unemployment Insurance) is valid for maximum five İşbank Credit cards. Besides, additional cards will be insured in case of an application from the main card’s owner.

Credit Card Support Insurance (Unemployment Insurance) application can be done on İşbank branches.

Company credit cards, Dealer Cards, Visa Classic Abroad and İş’te Üniversiteli cards cannot be insured.

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