Of CJSC “ The First Microfinance Bank”
(Annex No. 2 to the Agreement on  plastic bank cards service)


 1.1. This procedure is provided to the Customer for review and implementation. When using the card, the Customer must comply with the following conditions.

1.2. The Bank issues the Card directly to the Customer. Issuing a card to others is prohibited. The Bank will confiscate the card presented by an unauthorized person.

1.3. The use of a bank payment card is considered as a cashless transaction, and its use is regulated by the legislation of the Republic of Tajikistan, an agreement between the Bank and the client and the following rules:


2.1. The cardholder must receive the card in presence of the Bank’s staff and confirm it with a signature. 

2.2. The validity period of the card is effective until the date indicated on it.

2.3. Card is a personal payment method. Only a person whose full name is printed on the card and whose signature is on the other side of the card can use the card. Delivery of the card and PIN code to another person is strictly prohibited.

2.4. To conduct card transactions at trade and service as well as at cash points, the cardholder provides the card to the employee of the service center; Carries out card transactions in the self-service system – independently conducts operations in ATMs. When using the card to pay for goods or services, the cardholder will check the correct card number, the amount and date of the transaction and sign the check. The cardholder is responsible for the accuracy of the information presented in the documents. A cash withdrawal operation at an ATM should not be cancelled if all necessary operations are completed.

2.5. The cardholder should not allow another person to identify the card number. Fraudsters can use your account details to commit criminal acts. The Bank recommends the the following to cardholders:

а) Never give the card, especially the card’s PIN code to third parties (even relatives or friends). Upon receipt of the envelope, immediately remember the PIN code and destroy the envelope and the additional form. The Bank is not responsible for the distribution of the PIN code of the card by its owner, which is not known to the Bank employees and must remain confidential during the period of using of the card.

b) The card should not be shown / given to third parties, so that he/she could not copy or remember the details of the card and use the funds of the card.

c) The card should be stored with care; it should not be folded, and should be kept in a separate envelope or wallet.\

d) Do not allow unfavorable factors to influence the magnetic field on the left side: electromagnetic fields (in combination with displays, magnetic objects, such as keys, magnetic locks), mechanical damages (scratches, dirt, flammability, for example, sunlight, etc.).

e) Avoid writing on or scratching the card. The card must be protected from exposure to high temperatures, as well as aggressive environments that destroy the plastic card.

f) When working with ATMs, it is important to remember that if the returned card or cash withdrawal is not received within 20 seconds by the cardholder from payment equipment (ATM), the security system will work. In this case, to save money or cards, the ATM drags them back inside and they will be stored in a special section. In such cases, the card can be returned to the holder by the bank that provides the ATM service, only after indicating the reason for the card stuck and consulting with the bank. Recovery of the transaction amount (or non-received part) based on authorization withdrawn from the cardholder’s account can be carried out only after the re-encashment of the ATM and determination of the funds amount not received by the cardholder.

g) The Bank will determine the reasons for the suspension of the card or cash at the ATM as soon as possible. The Bank takes urgent measures upon written or oral application of the cardholder.

2.6. The cardholder must keep all documents that were issued with the card for future operations. These documents may be needed when resolving various issues with customs or other regulatory authorities and courts, such as check as legal evidence of receipt and use of money.

2.7. When purchasing goods and paying for services on a non-cash basis and withdrawing cash using a card, the cardholder obliges the bank to pay the amount from his account.

2.8. Payment from the account by card can only be made using the card or by withdrawing cash from the bank. In addition, the amount set by the bank to pay for services is debited from the card account.

2.9. The customer must not allow overdraft to his/her bank account with a bank card. In the case of a technical overdraft, the Bank calculates and charges interest on it. The amount will be determined by the tariffs. The bank reserves the right to suspend the card operation until its overdraft is paid. Overdraft is a short-term loan for making payments larger than amount in  customer’s account, as defined in the amount and terms of the agreement with a bank plastic card.

2.10. When traveling to another country, the Cardholder should contact the Bank for additional advice on the use of the card (purchase, use at a hotel, etc.).


 3.1. The Cardholder is obliged to take measures to prevent the loss (theft) of the Card and PIN or their illegal / unauthorized use.

3.2.  PIN – is a personal identification number, 4-digit number, is given to the holder together with the Card in a special closed envelope. PIN is an analogue of a handwritten signature when performing transactions. PIN is recommended to remember and  the PIN envelope should be stored in a safe place, inaccessible to outsiders. It is forbidden to store the PIN code with the card, to write the card number on the PIN envelope.

3.3. In case of loss of the Card and / or PIN, the receipt of any news of its unauthorized use; if for any reason the Card is not returned to the Holder by a bank machine, as well as in connection with any similar situations, the Holder is obliged to immediately inform about it by phone numbers 2289310, 2289311 either orally or in writing to block the card.

3.4. An oral appeal to block the card in case of loss / theft must be carried out immediately using a password from the moment of receipt of the oral notification. Any request by the cardholder to block the card account must be confirmed by a written application to the Bank. The application must contain details about the loss of the card and / or PIN-code or information on their illegal use, as well as information when and where the Cardholder announced about the case. The application shall be deemed to have been duly sent if it is transmitted by fax, by registered letter with acknowledgment of delivery, or transmitted directly to the Bank officer responsible for cardholder service.

3.5. For the reasons specified in section 3.3. The Cardholder has the right to limit or stop using the card in one of the following ways:

a) Instruct the bank employee to close the card, taking it for authorization payments. Twenty (20) minutes after the Cardholder’s request by phone to block the card, the Bank is responsible for all unauthorized transactions using the card;

b) Instruct the bank employee to transfer the card to the stop list. In this case, the Bank’s obligation for all unauthorized payments (including unauthorized payments) will arise 8 (eight) days after the application by the cardholder.

3.6. After closing the card, based on the application of the cardholder, the Bank issues a new card and a new PIN code. Replacing a card or issuing a new card instead of a lost card will be done by the written request of the Cardholder.

3.7. The card will be replaced if it expired, damaged, the PIN code was found, the cardholder forgot the PIN code, and at the request of the cardholder. The replaced card must be returned to the Bank.

3.8. The Bank reserves the right to transfer the information received about the theft and / or unauthorized use of the card to law enforcement authorities to take the necessary measures.

3.9. If, a card is found that was previously considered lost / stolen or unauthorized, the Cardholder must immediately notify the Bank about it, block it, transfer the card to the Bank and purchase a new card with new details.


4.1. An individual client can obtain a statement of his/her individual account by applying to the Bank Card Department. In case of any complaints, the client should call to 2289310 or send an e-mail to or get information at the Bank branch where he/she purchased the card.

4.2. In case of any claims regarding banking operations indicated in the statement, the cardholder must submit them to the Bank within 10 days from the receipt of the statement. If, within 10 days from the date of its receipt, the Bank has not received any statement regarding the statement, this statement will be considered confirmed and further claims of the client by the bank may be rejected.

4.3. Prior to the settlement of claims submitted to the Bank, the previously debited amount will not be recovered to the account. All payment issues will be resolved after receiving the documents.

4.4. The Cardholder is not entitled to use the card for illegal purposes, including purchasing goods and services prohibited by the current legislation of the Republic of Tajikistan.

Bank Card Department

Phone: (+992) 372 28 93 10