Privacy
Effective from 1 November 2021
Please read these GTC carefully before using your card. The below information sets out the General Terms and Conditions (GTC) pertaining to the Card used by you, and regulates the legal relationship between you and the Issuer. Terms like “we”, “us”, “our” and similar terms refer to the Issuer. By using the Card, you accept the conditions set out in these GTC. With respect to matters relating to the interpretation of the GTC, or if you do not agree to any provision thereof, please contact our Customer Service at any of the contacts set out in Clause 18 of the GTC.
Activation: the operation executed at the website www.edenredkartya.hu or by using the Edenred Mobile Application available on IOS and Android, during which the Card Holder can perform the process required for using the Card issued to the Card Holder and can enter the Contract by using the unique code for entering into the contract as well as complete the steps required for the customer due diligence.
Fee: the fees and costs encumbering the Client in relation to the Card, as set out in Clause 9 of the GTC.
Edenred Acceptance Mark: the logo of Edenred, indicating that the Card is accepted at the place where it is displayed.
Edenred Mobile Application: the Programme Manager’s Edenred Mobile application which enables the Card Holders to activate the Card and register their Edenred Cards electronically, as well as to trace their personal expenses.
Electronic money: the amount embodied by the claim against the issuer of the electronic money that is stored electronically – including magnetic storing –, issued against the receipt of funds for the purpose of performing payment operations provided in the Act on the Pursuit of the Business of Payment Services and, beyond the issuer of the electronic money, also accepted by other natural and legal persons, economic entities without legal personality and individual entrepreneurs. The electronic money qualifies as a non-cash means of payment.
Authorised Account Information Provider: a third party payment service provider authorised by the competent Supervisory Body to provide Account Information Service to you with your explicit consent, based on a separate agreement concluded by you and such payment service provider.
Strong Customer Authentication or SCA: Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market (the so-called “PSD2 Directive”) sets out the requirement of strong customer authentication, the purpose of which, among other things, is to make online/electronic payment transactions more secure. The SCA is an additional security measure that checks whether you really confirmed the Transaction or other action related to the use of the Card and/or Account. In this scope, every Card Holder must provide his or her phone number, to which the Service Provider will send a unique code at the time of initiation of each online/electronic payment operation, which code the Card Holder has to enter into the appropriate online interface in order to confirm the online/electronic payment transaction.
Contactless Payment: a method of payment enabling Card Holders to pay by touching the Card to the scanner of the POS terminal. No PIN code is required for transactions not exceeding the transaction limit set forth in the legislation.
HUF: Hungarian forint, the official currency of Hungary.
Supervisory Body: The National Bank of Belgium in Belgium, or another supervisory body supervising other European payment service providers.
Inactivity: if no amount is credited to the Card for a period of 12 months or the Card is not used for any transactions.
Card: any and all Cards issued to you under this Contract according to the Client GTC and the EMPS Agreement.
Card Number: the 16-digit card number found on the front side of your Card.
Card Holder or You: the natural person deemed by the Client eligible for using the Card.
Issuer: PPS EU SA, a company registered in Belgium under the number 0712.775.202 (1160 Brussels, boulevard du Souverain 165 boîte 9, Belgium). PPS EU is operating under the supervision of the National Bank of Belgium, and has been authorised by the same to issue electronic money and provide payment services.
Mastercard Acceptance Mark: the logo of Mastercard International Incorporated, indicating that the Card is accepted at the place where it is displayed.
Mastercard International Incorporated: Mastercard International Incorporated, a business entity with its registered office located at 2000 Purchase Street, Purchase, New York 10577 USA.
Participating Vendor or Participating Business is an entity accepting Edenred Cards from the Card Holders (or Additional Card Holders) in the case of the sale of products or the provision of services, and where the Programme Manager made accepting the Cards technically available, and who placed out the Mastercard or Edenred Acceptance Mark.
PIN: personal identification number, PIN code.
POS: point of sale.
Programme: the Benefits Card Programme, in the scope of which we provide you the Card for use.
Programme Manager: Edenred’s Hungarian subsidiary, a company established in Hungary under the name: Edenred Magyarország Kft.; registered office: H-1134 Budapest, Váci út 45.), the Issuer’s payment intermediary.
Available Balance: value of the funds available on your Card for use.
Account: the function recording the amount of money available and assigned to your Card (not a deposit, savings or other bank account).
Account Information Service: an online service providing aggregate information to you regarding your accounts held at one or more payment service providers (e.g. banks).
Contract: these Card Holder GTC, as amended from time to time.
Full Deductible Amount: amount of the entire Transaction, including – in addition to the Transaction itself – all connected fees, expenses and taxes.
Transaction: all POS and online commercial sales carried out with your Card, as well as the use of other services executed with ATMs and those offered by ATM machines that are enabled by the Programme Manager and the Issuer (depending on the type of the Card), such as cash withdrawal.
Client: the Card Holder’s employer or business partner with whom the Programme Manager and the Issuer has entered into a contract under which the Card has been manufactured.
Customer Service: the contact centre dealing with inquiries and requests for services in connection with your Card. The contact details of the Customer Service are set out in Clause 18 of these GTC.
www.edenredkartya.hu website, MyAccount: the interface on the Website where – following registration – you can access your own Account and view your Available Balance and transaction history online. You can find up-to-date information about your account at the website www.edenredkartya.hu. You need Internet connection to access the website.
www.edenred.hu: Edenred’s website, where these GTC and the Data Processing Policy are available.
2.1. Your Card is a card that can be repeatedly credited with Electronic Money. It is not a credit or debit card. The Available Balance does not earn interest and may not be used for savings, but for payment and operations executed with ATMs, and only in accordance with the conditions set out in this Contract and the effective Client GTC available on the website www.edenred.hu and the EMPS Agreement in all cases.
2.2. Your Card was issued by the Issuer based on the permission of Mastercard International Incorporated. This Card is an Electronic Money product. The Electronic Money associated with this Card is provided by the Issuer. The Issuer’s electronic money issuing activity and payment services are regulated by the National Bank of Belgium. Your rights and obligations with respect to the use of the Card are regulated by this Contract concluded between You and the Issuer; You have no legal relationship whatsoever with Mastercard International or its affiliated companies. If you detect an issue in connection with the use of the Card, please contact the Customer Service or the Client. Crediting amounts to the Card is carried out based on the Client’s order, in HUF, with the terms and conditions provided in this document and the Client GTC. Your right to use the Card comes from the Client, and is only valid to the extent of the Electronic Money deposited on your Edenred Card. All rights related to Electronic Money (including its ownership) shall remain with the Client. The Card will remain in the Issuer’s ownership.
2.3. The terms and conditions provided in these GTC were made in writing and are available only in Hungarian. We undertake to carry out all correspondences with you in matters concerning your Card or Account using the Hungarian language.
2.4. For verification and security purposes, such as the application of Strong Customer Authentication measures, we are required to collect certain personal information from you including your mobile phone number. We will pass this data to our third party service providers as required for the administration of Strong Customer Authentication measures.
3.1. You have to sign your Card immediately after receiving it.
3.2. The card can only be used after activation. Upon Activation, please proceed as instructed in the information document attached to the Card received. No liability is borne by the Issuer and the Programme Manager for the failure to sign and/or activate the Card.
3.3. Pursuant to Act LIII of 2017 on the Prevention and Combating of Money Laundering and Terrorist Financing (‘AML’), the Issuer is obliged to conduct a customer due diligence and identification procedure with regard to all Card Holders. The Issuer complies with this obligation in the course of the Activation process.
3.4. In these GTC, the Card Holder undertakes and acknowledges that, pursuant to the AML, the Issuer is not obliged to activate the Card, or shall have the right to temporarily block it and suspend the provision of any related services until the customer due diligence is completed. The exclusions and limitations of the Issuer’s and Programme Manager’s liabilities set out in Clause 14 of these GTC shall also apply to the denial of activating the Card or the temporary blocking of the same until the mandatory customer due diligence is completed, and any such measure taken by the Issuer and the Programme Manager may not be interpreted as defective performance under any circumstances.
3.5. After Activating the Card, you will receive a 4-digit PIN code. Always keep your PIN code safe, do not disclose it to anyone and ensure that it is not readable by anyone when you enter it. We will not disclose your PIN code to third parties. If you forget your PIN code, please visit the website www.edenredkartya.hu or open the Edenred Mobile Application, and choose the option to view your PIN code.
3.6. Please ensure that your Card is registered on the website www.edenredkartya.hu. This is how you can use the service specified in these GTC.
3.7. If you wish, you may use an Authorised Account Information Provider to provide Account Information Service for you regarding your Card. Prior to engaging an Authorised Account Information Provider, we recommend you to check whether the Supervisory Body authorised it to provide Account Information Service. You have to explicitly consent to the sharing of or share your Account data with the Authorised Account Information Provider on every occasion when it has to access the Account in order to provide Account Information Service for you. Please, always consider the consequences of sharing your Account or personal data.
3.8. When an Authorised Account Information Provider requests access to your Account using the Account data in order to provide Account Information Service to you, we will assume that you have given your authorisation for this. Please note that we are obliged to provide access to your Account if the Authorised Account Information Provider requests this, and we may only deny this in specific cases.
3.9. If we deny access to your Account from the Authorised Account Information Provider, we will inform you immediately after the refusal regarding the reason thereof, except where we are not allowed to do so due to legal or security reasons.
4.1. Certain card types may only be used at Participating Vendors that are in contractual relationship with the Programme Manager, or where the Programme Manager made it possible to accept the Card based on the acceptor’s Merchant Category Code (MCC). The enabled products and services for each Card type is specified in Clause 4.8. The Programme Manager accepts no liability for cases when the card company classification of the terminals in the stores or store chains is different from what is expected or for any incidental changes in the classification of the stores. The balance of electronic money available with regard to a certain Card may only be used for the partial or full settlement of the consideration paid for the scope of products and services indicated on that Card. The Issuer and the Programme Manager shall not be responsible for the misuse of the Cards. Your Card and the Available Balance associated with it may be used only for Transactions executed in HUF, excluding redemption or conversion to cash or scriptural money.
4.2. Your Card is a card that can be credited repeatedly, which means that the Client may freely credit new funds to the balance of your Card. A transaction shall only be authenticated if the Full Deductible Amount is lower than or equal to the Available Balance on your Card. You will not be able to use your Card after its expiry date or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed with a higher amount than the Available Balance on your Card, you shall repay to the Issuer the amount(s) by which the Full Deductible Amount exceeds your Available Balance within 14 days of the receipt of the invoice from the Issuer. If you fail to pay the amount within 14 days of the receipt of the invoice from the Issuer, the Issuer shall be entitled to take all measures necessary for the collection of the outstanding amount, including legal action and the suspension of the further use of the card.
4.3. You can authenticate the Transactions to be carried out at the Participating Vendors by providing your PIN or – in the case of online Transactions – CVC code in each case. In the event of contactless transactions up to the amount set forth in the legislation, no PIN code is required for the authentication. You are responsible for all Transactions that you authenticate. A transaction can also be authorised by tapping the Card against a Contactless enabled reader. You can make 5 consecutive Contactless transactions after which any Contactless transactions will be declined and you will be required to enter your PIN to authorise the transaction. Please keep in mind that, as a general rule, it is not possible to stop a Transaction once approved and received by the Issuer. The Issuer may reject Transactions if it finds them to be conflicting with the provisions of these GTC or be violiating the law (e.g. Transactions carried out with a stolen Card).
4.4. The Card Holder can query his Available Balanceat the website www.edenredkartya.hu, in the Edenred Mobile Application or by phone.
4.5. For security reasons, the Participating Vendors accepting your Card shall request authorisation via a POS or VPOS terminal from the Issuer for your Transactions. In some cases, a Participating Vendor may require that your Available Balance be higher than the value of the Transaction you intend to carry out. You will only be charged for the actual and final amount of the Transaction carried out. Merchants request this if they may require a larger amount of funds than which you wished to spend originally. For example:
4.5.1. Hotels and car rental: As Participating Vendors are not able to determine the amount of your final invoice preliminarily, they may request authorisation to deduct an amount of funds exceeding your Available Balance.
4.5.2. Participating Vendors on the Internet: Certain participating internet websites may send you a request for payment authorisation at the time of registration or the payment step in order to check availability of the funds; this may impact your Available Balance temporarily. Please note also that some websites do not charge the amount to be paid until the delivery of the goods. When viewing your Available Balance, please take into consideration such possible changes of the funds available, and determine based on that whether there is a sufficient amount on your Card to cover your purchases. The Card cannot be used for online payments where the currency of settlement is not HUF.
4.6. Using 3D Secure
4.6.1. 3D Secure is a payment authentication standard for internet purchases which adds an extra layer of security when purchasing goods or services online with participating retailers. It is a form of Strong Customer Authentication. To enhance the safety of online payments, you will increasingly need to use 3D Secure to confirm it’s you when you make payments online.
4.6.2. To use 3D Secure:
• you must have internet access;
• you must have a mobile phone;
• we must have your correct mobile phone number;
• your mobile phone must be able to receive text messages.
It is important that you ensure that the personal information we hold for you (in particular your mobile phone number) is up-to-date. You can do this by logging in to your MyEdenred Account choosing Edit profile.
4.6.3. When making a purchase online for which authentication is required, you will be brought to a 3D Secure verification screen.
4.6.4. You’ll be prompted to enter an one-time passcode (passcode) sent to your mobile phone by text message (SMS) to complete your purchase. You have a set amount of time and a number of attempts to enter the passcode correctly. If you do not enter the passcode correctly, you will be unable to complete your online purchase.
4.6.5. The passcode will only be valid for the online purchase you have received it for.
4.6.6. We will deem any transaction authenticated using 3D Secure as having been authorised by you.
4.6.7. You will be charged for each transaction made using 3D Secure in accordance with the fee indicated in the 9.2. point of these GTC. You are responsible for any SMS fees charged to you by your mobile phone provider.
4.6.8. In accordance with the relevant legislation, the Issuer does not authorise online/electronic payment transactions for Cards where the Card Holder has not provided his or her mobile phone number for the purpose of completing the Strong Customer Authentication of online/electronic payment transactions or fails to enter the code sent in SMS in the scope of the Strong Customer Authentication. The Card Holder expressly agrees that any blocking of the online/electronic payment transactions due to the Card Holder’s fault shall in no event qualify as faulty performance by the Issuer and the Programme Manager.
4.7. The Card cannot be used for the verification of identity.
4.8. The scope of services available with the Cards varies by Card type as follows:
4.8.1. Edenred Silver Card: it can be used for purchasing specific goods and services indicated in the Annexe 1 of these GTC.
4.8.2. Edenred Gold Card: it can be used for purchasing all products and services indicated in the Annexe 1 of these GTC..
4.8.3. Edenred Platinum Card: it can be used for purchasing all products and services available at participating businesses accepting Mastercard, as well as for cash withdrawal.
4.8.4. Edenred special cards: the chosen type of cards (Silver, Gold, Platinum) determines the scope.
4.9. You may not use your Card to redeem traveller’s cheques, for exchanging money, to have cash refunded from Participating Vendors or settle outstanding amounts in connection with credit cards, bank overdrafts or loan agreements, gambling, dating or escort services, or at automatic fuel stations and fuel sellers.
4.10. The Available Balance on your Account does not earn interest.
5.1. You cannot credit funds to your Card. Only the Client shall be entitled to credit funds to the Card through the Issuer. If the Client wishes to credit further funds to your Card, then it will be credited to the Available Balance on your Card following the receipt of the Programme Manager’s order after the receipt of the Client’s payment by the Issuer.
5.2. You hereby acknowledge that the frequency of updating your Available Balance in accordance with Section 5.1 above will depend entirely on the Programme Manager’s and the Issuer’s ordinary course of business.
6.1. The expiry date of your Card is printed on the Card’s front side. You will not be able to use your card after the expiry date.
6.2. The Programme Manager will send the Client electronically a written notification on the expiring cards 6 weeks preceding the expiry date of the Card. The Client shall indicate electronically in writing within 10 days of the receipt of the notification whether it intends to have the Card renewed. Only the Client is entitled to request renewal of the Card. The Issuer will charge a fee for the re-manufacturing of the Card if renewed. The amount of the fee is included in the schedule on tariffs of the Client GTC. If the Client does not request the renewal of the Card, then the Issuer will irreversibly block the Cards recorded in its system following the expiry date of the Card, and the Contract shall terminate. The Client may request the redemption of the Electronic Money for a period of 6 years following the expiry date of the Card.
6.3. The balance on the Card is associated with a person, and may be used solely by the Card Holder.
6.4. After the Card has expired, no further Transactions will be processed, and the Available Balance will be blocked if the Client does not request that the Card be renewed.
6.5. The amount credited to the Card that has been blocked may only be refunded if this is initiated by the Client, in accordance with the applicable laws, the contractual terms and those set out in the GTC.
6.6. Pursuant to Clause 2.2, after the expiry of the Card, any Available Balance remaining on your Card and all statutory rights relating to the electronic money will remain in the Client’s ownership and will not be transferred to you.
6.7. In order to enable you to utilise any amounts credited to your Card appropriately before the expiry of the Card, the Programme Manager shall do all in its power inform you at any of the contacts you provided during the registration on the website www.edenredkartya.hu.
6.8. With regard to the Card, the Issuer may charge an inactivity fee specified in Clause 9 after 12 months of Inactivity. The Issuer shall be entitled to charge the Inactivity Fee to the Card Holder retroactively after the conclusion of the Contract.
7.1. We may restrict or deny the authentication of your Card if the Card is or may be used in breach of this Contract, or if we can suspect on reasonable grounds that you or a third party committed or intend(s) to commit a crime or other abuse in connection with the Card.
7.2. If we have to investigate a Transaction carried out with the Card, you are obliged to cooperate with us or – if necessary – any other official body.
7.3. Never:
7.3.1. let anyone else use your Card, or get access to it in any way;
7.3.2. write your PIN code, CVC number, password or any other security information related to the Card, the Account or the Website identification data on your Card or anywhere else;
7.3.3. disclose or otherwise make available your PIN code to anyone else in writing, in a manner that it may be observed by others when entering the code or otherwise;
7.3.4. share with or otherwise make accessible to third parties the Card, the Account or the Website access data, except if that third party is an Authorised Account Information Provider, and you wish to use its Account Information Service.
7.4. You are responsible for any Transaction that you authenticated via your signature, PIN code, CVC code or SCA, or where in the event of contactless transactions, you are unable to prove that no third person could access your Card.
7.5. You agree to hold harmless and indemnify us, our partners and any company belonging to the same company group as the above with regard to the expenses incurred by any legal action initiated in order to enforce these GTC, any breach of these GTC and/or the fraudulent use of your Card by you or authenticated by you.
7.6. The Card Holder may immediately – but not later than the day of the thirteenth month following the execution of the Transaction corresponding to the date of debiting the Card – initiate the rectification of the unapproved payment transactions or those approved but incorrectly executed. If the month of expiry does not contain the calendar day corresponding to the Date of Debiting, then the time limit for such rectification shall be the last day of the month.
7.7. The Card Holder expressly acknowledges and agrees that the Participating Business and/or the Card Holder shall be liable for any legal consequences arising from the unlawful use of the Card, and therefore the Programme Manager or the Issuer shall not have any liability in this regard.
7.8. If any reimbursement becomes necessary for the Card Holder under the legal relationship established between the Participating Business and the Card Holder, then – upon the written request of the Participating Vendor or the Card Holder and following the identification of the transaction – the Issuer and the Programme Manager execute the crediting, provided that if the payment for the Participating Business has already been executed, then it credits the amount to be reimbursed to the Card Holder’s Card only once the full amount is reimbursed by the Participating Vendor to the Issuer.
7.9. The Card Holder expressly acknowledges and agrees that the cancellation/modification of the Transaction or the restoration of the original state may be initiated on real grounds and along with the Participating Business only, in the form of a jointly submitted unanimous declaration.
7.10. The Card Holder expressly acknowledges and agrees that the settlement or reimbursement between him and the Participating Business – as well as the related request and the resulting enforcement of claims – may not serve as a basis for offsetting upon settlement with the Programme Manager or the Issuer, thus on no legal grounds may the claims between the Participating Business and the Card Holder be enforced against the Programme Manager or the Issuer, who expressly and fully exclude any such liability.
8.1. You have to handle the Electronic Money on the Card in the same manner as the cash in your wallet. If you lose your Card or if it is stolen, the amount on it may be lost just as if it had been in your wallet.
8.2. In the event of loss, theft, fraud or any other threat that involves the risk that the Card may be used in an unauthorised manner, or if the Card is damaged or malfunctioning, contact the Customer Service immediately. You have to provide your Card number in order for the Customer Service to deal with your issue. Alternatively, you can arrange for the blocking of your Card at the website www.edenredkartya.hu or in the Edenred Mobile Application. To be able to do so, you have to register your card preliminarily on the www.edenredkartya.hu website.
8.3. Provided that you notified us in accordance with Section 8.2 and Section 8.4 does not apply, you will not be liable for losses incurred after the time you notified our Customer Service in accordance with the above. Before the notification, your liability for damages is limited in HUF 15,000. If there is Available Balance remaining on your Card after the notification, the Client may request the Programme Manager to replace your Card and that the last Available Balance be made available on the new Card.
8.4. If the reported event was caused by your breach of contract or your alleged conduct, or in case reasonable suspicion of fraudulent or improper conduct arises with respect to it, you will be held liable for all losses.
9.1. The following fees are charged during the use of the Card.
9.1.1. Monthly fee: the fee payable for keeping the Electronic Money available on the Card, which is charged monthly, with the proviso that if this fee cannot be charged due to lack of funds, we will attempt to deduct it on multiple occasions within the course of the month concerned.
9.1.2. Cash withdrawal fee: Charged in the case of withdrawing cash from an ATM; maximum amount of cash withdrawal: HUF 150,000 per transaction, HUF 300,000 per day, the number of transactions on the same day is not restricted.
9.1.3. Inactivity fee: charged if no amount is credited to the Card for a period of 12 months or the Card is not used for any transactions. The Issuer may even charge the Inactivity fee retroactively after the conclusion of the Contract, with the proviso that the 12 months of Inactivity is calculated from the date of manufacture of the Card.
9.1.4. SCA fee: In order for completing the SCA, the Issuer sends a unique code for approving every online/electronic payment transaction in SMS. This fee is charged for the generation and sending of this unique code, unless otherwise provided, the Issuer refrains from charging the SCA fee.
9.1.5. Amenities fee: The fee payable for an ancillary service requested by the Card Holder, under which the Card Holder requests SMS notifications on any crediting to the Card and on the transactions.
9.1.6. ATM service fee: balance inquiry, payment of bills, unblocking of Cards, changing of PIN code.
9.1.7. Account statement fee: payable if the Card Holder requests the postal delivery of printed account statements.
9.1.8. Account closure fee: following the lapse of 5+6 years, the Issuer shall be entitled to enforce an account closure fee up to the amount of the remaining balance.
9.1.9. Redemption fee: The fee payable for the transferring of the Electronic Money upon the Client’s request to the bank account designated by the same. We proceed in accordance with the statutory provisions upon redemption. For information in this regard, please contact our Customer Service.
9.2. Amount of the fees until 30/12/2021:
| Monthly fee | Cash withdrawal fee | Inactivity fee díj | SCA fee | Amenities fee | ATM service fee | Account statement fee | Account closure fee | Reimbursement | |
| Edenred Silver Card | HUF 99 / month | – | HUF 499 /month | HUF 20 / sms | HUF 400 / sms | HUF 100 / transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
| Edenred Arany Kártya | HUF 99 / month | – | HUF 499 / month | HUF 20 / sms | HUF 400 / sms | HUF 100 / transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
| Edenred Platina Kártya | HUF 99 / month | HUF 350 / occasion | HUF 499 / month | HUF 20 / sms | HUF 400 / sms | HUF 100/ transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
| Edenred egyedi Kártya | HUF 99 / month | – | HUF 499 /month | HUF 20 / sms | HUF 400 / sms | HUF 100 /transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
Amount of the fees from 01/01/2022:
| Monthly fee | Cash withdrawal fee | Inactivity fee díj | SCA fee | Amenities fee | ATM service fee | Account statement fee | Account closure fee | Reimbursement | |
| Edenred Silver Card | HUF 25 / month | – | HUF 499 /month | HUF 20 / sms | HUF 400 / sms | HUF 100 / transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
| Edenred Arany Kártya | HUF 25 / month | – | HUF 499 / month | HUF 20 / sms | HUF 400 / sms | HUF 100 / transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
| Edenred Platina Kártya | HUF 25 / month | HUF 350 / occasion | HUF 499 / month | HUF 20 / sms | HUF 400 / sms | HUF 100/ transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
| Edenred egyedi Kártya | HUF 25 / month | – | HUF 499 /month | HUF 20 / sms | HUF 400 / sms | HUF 100 /transaction | HUF 500 | up to the amount of the remaining balance | 6% of the transferred amount |
10.1. If you have reason to suspect that a Transaction for which your Card was used was unauthorised or was carried out by mistake for the Available Balance of the Card used by you, we will examine the Account and the circumstances of the Transaction, provided that you notify is within 13 months of the date of the Transaction. In this scope, we may require you to contact the relevant authorities in connection with the disputed Transaction.
10.2. If, based on the evidence available to us at the time when you report the unauthorised Transaction, we have no reasonable cause to assume that you failed to comply with the requirements of these GTC due to negligence or on purpose, or that you acted in a fraudulent manner, we will refund all unauthorised Transactions to the Card’s Available Balance.
10.3. However, if we receive information that suggests that the disputed Transaction was real, we will be entitled to deduct the value of any such Transaction from the Available Balance of the Card used by you.
10.4. We reserve the right not to refund you such amounts to your Card’s Available Balance if you acted in breach of this Contract or if you did not report any possible fraudulent claims to the competent authorities.
10.5. If you entered into an agreement pursuant to which another person operating in the European Economic Area may deduct payments from your Card (e.g. if you disclosed your Card’s data to a merchant for the purposes of payment), then – if all of the below conditions are fulfilled – you may request us to refund the payment which we will perform within 10 business days of the receipt of your request:
10.5.1. if the exact amount to be paid was not specified in the authorisation;
10.5.2. if the amount charged from your Account was higher than what you could have expected given the circumstances (e.g. based on your previous payment patterns); and
10.5.3. if you notify us regarding your refund request within 8 weeks of the date when the amount is charged from your Account.
11.1. Any complaint made in connection with these General Terms and Conditions has to be reported first to the Programme Manager via the Customer Service mentioned in Clause 18 of these GTC.
11.2. We handle all complaints in the scope of our own complaints procedure. Upon your request, we will provide you with a copy of the description of our complaints procedure.
11.3. The Belgian Deposit Guarantee Scheme (or any other deposit insurance system) shall not apply to the Card. However, we will protect your funds in the case of our insolvency.
12.1. If any part of this Card Holder GTC conflicts with any legal or regulatory requirement, then we will not effectuate that part of the Contract, and we will consider it as if it reflected the provision contained in the relevant legal or regulatory requirement. If we have to make changes with respect to our operations in order that we are able to fully comply with the new legal or regulatory requirements, we will take the necessary steps as soon as reasonably practicable.
12.2. The Issuer shall be entitled to unilaterally amend the Contract without prior notification of the Client and/or the Card Holder in a manner that is not adverse to the same. The amendments that are not adverse to the Client and/or the Card Holder shall be published by the Issuer at least 15 days before such amendments enter into force, and shall also disclose specific information on the amendment on the website www.edenred.hu .
12.3. The Issuer shall be entitled to amend the Contract to the disadvantage of the Client and/or the Card Holder subject to prior notice. The introduction of any Fee related to new services introduced by the Issuer shall not qualify as an amendment to the disadvantage of the Client and/or the Card Holder if the amendment is not mandatorily applicable to the Client and/or the Card Holder or if it will apply only to those Clients and Card Holders who enter into a contract following the date of the amendment.
12.4. The Issuer informs the Client and/or the Card Holder about any amendments that are adverse to the Client and/or the Card Holder prior to the entry into force of such amendments, via publishing them on the website www.edenred.hu . If the Client and/or the Card Holder does not address any objection in writing until the date of entry into force of the amendment to the Contract, then the amendments shall be deemed as expressly accepted by the Client and/or the Card Holder. The Client and/or the Card Holder shall have the right to immediately terminate the Contract without any fee or charge payment liability or other payment liability until the entry into force of the amendments. After the amendment enters into force, the legal relationship between the Parties will be governed by the provisions of the amended GTC.
13.1. If you are not entitled to use the Card any more for any reason, the Card will be blocked immediately and you will not be able to use the Available Balance any more.
13.2. We shall be entitled to terminate or suspend this Contract with immediate effect (and until the settlement of the issue or the termination of the Contract) in the following cases: if you have breached these Card Holder GTC, used or intended to use the Card in an attributable, fraudulent manner or for illegal purposes, if we are unable to continue processing your Transactions due to the proceedings of third parties (extraordinary termination of contract), or if we have reason to believe that a security issue have arisen with regard to the Card.
13.3. Following the ordinary termination of the contract entered with the Client, the Issuer continues to ensure that the amount available to the Card Holders, credited prior to the termination of the legal relationship may be used until the date of expiry of the Card.
13.4. In the event of the extraordinary termination of the Contract, you will not be able to use your Available Balance any more as of the day of the termination of the Contract.
13.5. If in any of the above cases of termination or if you are not entitled to use the Card any more, all legal rights connected to the Electronic Money and the Available Balance will remain in the ownership of the Client and will not be transferred to you.
13.6. If we suspend or terminate your Account or your Card, we will immediately notify you or the Client regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where we are unable to do so due to legal or security reasons. In addition, in the case of suspension, we have to notify everyone concerned in the Transaction regarding this.
14.1. The following exceptions and restrictions apply to our liability in connection with this Contract (relating to damages arising in connection with the provisions of the Contract or otherwise – including negligence – the breach of statutory duties or other):
14.1.1. we assume no liability for any damages arising directly or indirectly from reasons beyond our control (including but not limited to the failure of network services and data processing systems);
14.1.2. we assume no liability for lost profit, loss of business or any indirect, consequential, special or punitive damage or loss;
14.1.3. if the Card is faulty due to our negligence, our liability will be limited to the replacement thereof; and
14.1.4. in any other event of our default, our liability will be limited to the reimbursement of the Available Balance on your Card.
14.2. No provision of this Contract may exclude or limit our liability for any deaths or personal injuries that occur due to our negligence or fraud.
14.3. We expressly exclude the conditions and warranties set out in law to the largest extent allowed by the law.
14.4. The exclusions and limitations of liability set out in Clause 7 and this Section 14 are also applicable to any liability arising towards you in connection with this Contract on the side of our affiliated companies such as the Programme Manager, MasterCard International Incorporated and other suppliers, contractors, agents, distributors and the affiliates thereof.
14.5. You may settle any disputed issue arising in connection with your purchases made with the Card with the merchant. Neither the Programme Manager nor the Issuer assumes liability for the quality, safety, legality or any other property of the goods and services purchased with the Card.
15.1. The Issuer as Data Controller shall process and use the personal data required in order to provide the service under these GTC and acquired by it during the performance thereof in accordance the data protection regulations in force. The legal grounds for data processing are constituted the performance of the Contract [Article 6 (1) (b) of the GDPR].
15.2. Summary table of the Issuer’s and Programme Manager’s processing of personal data:
| Summary of the processing of data concerning the Edenred Card Service provided by the issuer to the Card Holder | |
| Data Controller | Issuer |
| The purposes of the processing | Performance of Services specified in the Card Holder GTC |
| Legal grounds for data processing | The performance of the Contract concluded between the Issuer and the Card Holder [Article 6 (1) (b) of the GDPR] |
| Scope of the processed data | Data Subject’s surname; Data Subject’s forename; name on card (21 characters at most); date of birth; permanent residence (postal code, town, street, number); mailing address if other than residence (postal code, town, street, number); Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial no. of card; habitual residence in Hungary if Data Subject is a foreigner; account history; workplace of the Data Subject; Data Subject’s account number |
| Term of data processing | Total duration of the service and 6 years following its termination (until the limitation period of the possible claims concerning the Service) |
| Processors | Edenred Magyarország Kft.: (registered office: H-1134 Budapest, Váci út 45.) purpose of data processing: operation of systems and provision of support in relation to the provision of the Edenred Card Service Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania) purpose of data processing: supply of software supporting services related to the Card, IT support Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca) purpose of data processing: manufacturing of cards Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.) purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA) purpose of data processing: sending of information e-mails concerning the Edenred Card Service (system messages, amendment of the GTC, update of the mobile application) |
The summaries only serve the prupose of convenience, please read the full Privacy Notice made avalibe at the website www.edenred.hu
| Summary of the processing of data by the issuer concerning the Card Holders’ customare due |
| diligence | |
| Data Controller | Issuer |
| The purposes of the processing | Compliance with the obligation to perform customer due diligence and identification regarding the Card Holders |
| Legal grounds for data processing | Compliance with legal obligation [GDPR Article 6 (1) c)] and Sections 7–11 of the AML |
| Scope of the processed data | Data Subject’s surname; Data Subject’s forename; Data Subject’s surname at birth; Data Subject’s forename at birth; Data Subject’s citizenship; Data Subject’s place and date of birth; maiden name of the Data Subject’s mother; Data Subject’s home address (postal code, town, street, number) or in the absence thereof, address of residence (postal code, town, street, number); type of Data Subject’s identification document; number of Data Subject’s identification document; Data Subject’s image; copy of the Data Subject’s documents |
| Term of data processing | 8 years from the termination of the Edenred Card Service |
| Processors | Edenred Magyarország Kft.: (registered office: H-1134 Budapest, Váci út 45.) purpose of data processing: assistance in performance of the customer due diligence and identification obligation. Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.) purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity |
The summaries only serve the prupose of convenience, please read the full Privacy Notice made avalibe at the website www.edenred.hu
| Summary of the processing of data related to the Programme Manager’s marketing and advertising activity | |
| Data Controller | The Programme Manager is the Data Controller in relation to the data processing related to the Programme Manager’s marketing and advertising activity. |
| The purposes of the processing | Sending marketing and advertising messages to the Card Holder |
| Legal grounds for data processing | The Data Subject’s consent [Article 6 (1) (b) of the GDPR and Section 6(1) of Act XLVIII of 2008 on the Basic Requirements of and Certain Restrictions on Commercial Advertising Activities]. The consent may be withdrawn at any time. |
| Scope of the processed data | Data Subject’s surname; Data Subject’s forename; Data Subject’s email address; Data Subject’s mobile phone number |
| Term of data processing | Until the consent is withdrawn |
| Processors | Y-Shift Kft. (head office: H–7636 Pécs Neumann János utca 24., Hungary) purpose of data processing: data processing for advertising purposes The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA) purpose of data processing: data processing for advertising purposes – sending of newsletters |
The summaries only serve the prupose of convenience, please read the full Privacy Notice made avalibe at the website www.edenred.hu
15.3. Should the Card Holder not provide the personal data essential for the provision of the Issuer’s services, then the Card Holder will not be able to use the Issuer’s services.
15.4. The Card Holder may contact the Programme Manager in order to ensure the enforcement of his rights with regard to the processing of his personal data by sending an electronic mail to either of the adatkezeles-hu@edenred.com dpo.hungary@edenred.com e-mail addresses.
16.1. If we do not exercise or delay with exercising any right or legal remedy set out in this Contract, this shall not be considered as a waiver of that right or legal remedy or the exclusion of the later exercising of such right or legal remedy.
16.2. If any provision of this Contract is deemed unenforceable or illegal, this shall have no effect on the remaining provisions, provided that the unenforceable or illegal provision is not an essential part of the Terms.
16.3. You may not assign or transfer your rights and/or benefits arising from these General Terms and Conditions. Your liability will continue until all Cards given into your use are cancelled or expired, and all amounts payable under these GTC are paid by you and/or the Client. We may assign our rights and benefits at any time without notifying you and/or the Client preliminarily in writing. We may subcontract any of our obligations arising from these GTC.
16.4. No third party that is not a party to these GTC shall have the right to enforce the provisions of these GTC, with the exception that Mastercard International Incorporated and its relevant affiliated companies shall be entitled to enforce any provision of this Contract that provides them any benefit or right, and the (legal) entities specified in Clause 14 shall be entitled to enforce the contents of Clause 14.
16.5. This Contract is governed by the Belgian law, and you consent to the non-exclusive jurisdiction and competence of the courts of Belgium. This provision is for your benefit, and does not restrict your right to initiate proceedings at the courts specified in Section 624, points 1°, 2° and 4° of the Belgian Courts Act.
16.6. In accordance with Articles VII.5 and VII.29 of Book VII of the Belgian Code of Economic Law, you explicitly agree that Articles VII.30 § 1, VII.32 § 3, VII.42, VII.44, VII.46, VII.47, VII.50, VII.55/3, VII.55/4, VII.55/5 and VII.55/7 of the Belgian Code of Economic Law and the time limitations set out in Article VII.41 of Book VII of the same shall not be applicable.
17.1. The language of the Contract is the Hungarian.
17.2. The Issuer provides the Card Holder who initiated the establishment of the Contract with information about the GTC and the fees, as well as any modifications or amendments made to these by disclosure on the website www.edenred.hu.
17.3. The Parties agree that the Transactions executed with the Card and creditings to the Card, as well as all data related to the Transactions, will be available after their execution at the website www.edenredkartya.hu and via the Edenred Mobile Application.
17.4. The Card Holder can obtain information about the amount of the Electronic Money available on the Card given into his use at any time by visiting the website www.edenredkartya.hu or via the Edenred Mobile Application.
17.5. The Card Holder expressly agrees that, during the term of the Contract, the communication between him and the Issuer and the Programme Manager will take place by electronic means via the e-mail address provided by the Card Holder, and that they will regard this communication as valid and legally effective concerning the Contract, including any legal statements made in connection with the same.
17.6. The Parties agree to consider the e-mails as delivered on the second day following the sending of such e-mails.
17.7. The Issuer and the Programme Manager will send the notifications and statements to the Card Holder’s e-mail address entered during the course of the Card Holder’s registration at the website www.edenredkartya.hu. The Issuer and the Programme Manager shall not be held liable for any damages arising from the failure to receive such notifications, including the case where the Card Holder entered an incorrect e-mail address or if the e-mail address no longer exists, or if the Card Holder has no longer access to the entered e-mail address.
17.8. The Card Holder can communicate with the Issuer via the Customer Service.
18.1. If you need help or wish to report that your Card has been lost or stolen, call our Customer Service at the number +36 1 382 4000 in the business hours available on the website www.edenred.hu, or contact us by using the online interface also available on www.edenred.hu.
18.2. Lost or stolen Cards may be reported on the website www.edenredkartya.hu or the mobile application available for Android and iOS 24 hours a day. Also here, you can use the function designed for the case where you forget your PIN code 24 hours a day.
18.3. Available Balance inquiry and Card Blocking are available to Card Holders 24 hours a day via the +36 1 382 4000 phone number, the www.edenredkartya.hu website or the mobile application available for Android and iOS 24 hours a day.
18.4. If you have any difficulties using the Card, please contact our Customer Service or the Client.
Annex 1 – Cardholder GTC
| Bussines Category | Bussiness type | Card Type | MCC (Merchant Category Code) |
| Small tools, gardening | Home improvement stores Horticulture | Silver, Gold | 5039, 5072, 5085, 5200, 5211, 5231, 5251 0780, 5261 |
| Fashion | Clothing stores Shoe stores Sports clothing Underwear stores Leatherware, bags Watches, jewellery |
Silver, Gold | 5131, 5137, 5199, 5611, 5621, 5641, 5651, 5681, 5691, 5699 5139, 5661 5655, 5941 5631 5948 5944 |
| Beauty, healthcare | Healthcare treatment Dentist Pharmacies Medical aids Drugstores, perfumeries Optician, ophthalmology Hairdresser, cosmetics |
Silver, Gold | 4119, 8011, 8031, 8041, 8062, 8071, 8099 5047, 8021 5122, 5912 5976 5977 8042, 8043, 8044, 8049 7230, 7298 |
| Electronics stores | Electronics shops Photographer stores |
Silver, Gold | 5045, 5065, 5732, 5733, 5734, 5735 5946 |
| Culture, entertainment | Bookshops, newsvendors Cinema, theater Museums, galleries Ticket offices, concert tickets Restaurants, fast food restaurants, pubs, bars, beer-houses Sweetshops, confectioneries, coffee shops Bowling, amusement park, circus |
Silver, Gold | 5192, 5942, 5994 7829, 7832 5947, 5971, 7991 7922, 7929 5811, 5812, 5813, 5814 5441 7933, 7996 |
| Home | Home stores, furniture stores Interior textile stores Home equipment |
Silver, Gold | 5021, 5712 5713, 5714 5719, 57220 |
| Travel | Hotels Train ticket Travel agencies Other hotel, motel, camping |
Silver | All MCCs starting with “3” 4011 4722, 4723 7011, 7012, 7033 |
| Hotels, plane tickets, car rental Train ticket, long-distance bus City transportation, taxi Carrier services Travel agencies Other hotel, motel, camping |
Gold | All MCCs starting with “3”, 4511, 4582 4011, 4112, 4131, 4411, 4457, 4789 4111, 4121 4214, 4215, 4411, 4457, 4468 4722, 4723 7011, 7012, 7033 |
|
| Car, motor, bicycle | Car dealerships Bicycle stores Car parts and tire stores |
Silver | 5511 5940 5532, 5533, 7534, 7538 |
| Car dealerships Motorcycle stores Bicycle stores Car parts and tire stores |
Gold | 5511 5571 5940 5532, 5533, 7534, 7538 |
|
| Other commerce | Toy and hobby stores Flower shops, tree nurseries Pet shops, pet food |
Silver | 5945 5193, 5992 5995 |
| Toy and hobby stores Antiquity, glassware, miscellaneous retail stores Flower shops, tree nurseries Pet shops, pet food |
Gold | 5945 5932, 5950, 5999 5193, 5992 5995 |
|
| Other service | Veterinarian Photography studios |
Silver | 0742 7221 |
| Veterinarian Insurance sales Laundries, dry cleaners |
Gold | 0742 6300 7210, 7211, 7216 |
|
| Photography studios Funeral services Lawyer and legal services Advertising services Car rental, parking Elementary and middle schools Other business and professional services |
Gold | 7221 7261 8111 7311 7512, 7523 8211 7299, 7399, 8999 |
|
| Paper, stationery | Stationery, office and school supplies stores | Silver, Gold | 5111, 5943 |
| Telecommunications, internet | IT services | Silver | 4816 |
| IT and telecommunications services Sale of telephone and telecommunications equipment |
Gold | 4814, 4816 4812 |
|
| Sewing shop | Textile and sewing stores | Silver, Gold | 5949 |
| Chemicals | Chemicals, paints | Silver, Gold | 5169, 5198 |
| Sports | Swimming pools, sports clubs, fitness and recreational services | Silver | 5996, 7032, 7941, 7999 |
| Swimming pools, sports clubs, fitness and recreational services | Gold | 5996, 7032, 7941, 7997, 7999 | |
| Language schools, adult education | Language school, adult education | Silver, Gold | 8299 |
| Other stores | Other general goods | Silver, Gold | 5399 |
| Hypermarkets and supermarkets | Hypermarkets and supermarkets | Silver | Contracted food stores, hypermarkets and supermarkets (see https://edenred.hu/kartyabirtokos/) |
| Bakeries | Silver | 5462 | |
| Discount stores, Hypermarkets and supermarkets, Bucheries, Bakeries, Groceries | Gold | 5310 5311, 5411 5422 5462 5499 |
|
| Petrol station | Petrol stations | Silver | Contracted petrol stations (see https://edenred.hu/kartyabirtokos/) |
| Gold | 5172, 5541, 5542, 5983, 9752 | ||
| Liquor store | Liquor | Gold | 5921 |
| Governental services | Government offices, document offices, etc. | Gold | 9399 |
| Public utility providers | Publicity utility providers | Gold | 4900 |
| Financial services | Credit providers | Gold | 7321 |
| Tobacco | Tobacco | Gold | 5993 |
The Platinum Card can be used for all products and services indicated above, except the types of products and services indicated otherwise in the Card Holder GTC.