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What's the difference between a Maestro card and a credit card? |
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Your Maestro card is linked to your bank account, and the amount of your purchases is deducted directly from that account. Generally, you enter your PIN on a keypad when you want to purchase an item with Maestro.* A credit card allows you to pay via installments and/or a revolving line of credit, with the limit set by the issuer. Your monthly payment can range from a minimum amount, set by your bank, to your entire outstanding balance. Generally, if you pay the entire bill at the end of the month, no interest is charged. If a balance is outstanding, you will be charged interest at a predetermined annual percentage rate (APR), which differs from issuer to issuer. Usually, you sign a receipt to pay for an item with a credit card. *Currently, in countries such as the UK and France, you may be requested to sign a receipt to complete your Maestro transaction rather than enter your PIN. |
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Where can I get a list of ATM locations where I can use my Maestro card? |
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Maestro is accepted at all ATMs in the MasterCard® ATM Network, which is the largest in the world, giving you immediate access to cash wherever you go. To locate an ATM in a particular place, try our ATM Locator ,or, within the United States and Canada, call 1-800-4Cirrus (1-800-424-7787). Outside the United States and Canada, contact your financial institution. |
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How is Maestro ensuring that Internet transactions are secure? |
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MasterCard® SecureCode™ is a global e-commerce solution for authenticating cardholders over the Internet, and it supports Maestro debit transactions, making it possible to process fully authenticated debit transactions over the Internet. The advent of more secure online shopping offers important benefits. For consumers, it provides the confidence and peace of mind they want when shopping online, in tandem with the familiar experience of using a PIN. SecureCode further offers Maestro cardholders protection against unauthorized transactions using their Personal Account Number (PAN) which appears on the front of their Maestro card. |
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Is MasterCard® SecureCode™ for Maestro easy for online shoppers to use? |
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Yes. Look for online merchants who accept Maestro and feature the MasterCard SecureCode icon. When making a purchase, the cardholder will be prompted to enter their private SecureCode in a window from their issuer before their online transaction can be completed. The safekeeping of this code is not the retailer's responsibility; rather, the process in managed by the MasterCard issuer. |
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What if I overdraw my bank account from my Maestro card? |
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All Maestro transactions are deducted directly from your bank account, so this would depend on the type of bank account that you have and the overdraft arrangements that you have made with your bank. |
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How do I know if my ATM card carries the Maestro symbol? |
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The Maestro logo is displayed either on the front or back of your ATM or debit card. Look there, or ask your bank if they participate in the Maestro program. |
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What do I do if my card is lost or stolen? |
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Contact your bank as soon as possible after you discover that your card is missing or suspect that it has been stolen. |
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