With the card, you can pay for purchases at stationery shops in the country, abroad and in online shops. Cash withdrawals from ATMs are also possible.
In order to pay in the shop in a contactless manner, the terminal must support this option. This is indicated by the contactless payment symbol placed on it.
To enable contactless payments on your physical card, first make a traditional payment by inserting the card into the terminal or ATM and confirming it with your PIN.
In order to pay, bring the card closer to the terminal display and wait for the beep and confirmation of the transaction completion.
Payments up to 100 PLN are made in Poland without the need to enter a PIN. Each country has its own limit of contactless payments, which do not require confirmation with a PIN. Transactions for larger amounts will require verification in the form of a PIN.
For security reasons and due to the requirements of the PSD2 regulations, it may happen that you will be asked to provide a PIN for a contactless transaction of a value not exceeding 100 PLN.
You can disable or enable contactless payments for your card at any time, using the portal or the app.
To do so, log in to your account and then go to the cards tab. Select the card which settings you want to change and then click Change options (if you are using the portal) or Payment options (if you are using the app). Then find it in the Contactless payments list.
In order to pay online, you must enter your card details in the appropriate fields: 16-digit card number, expiry date and 3-digit CVV code. Sometimes the name and address of the cardholder will also be required.
Some shops may apply additional security measures in the form of the 3D Secure mechanism. In such cases, confirm the transaction in the Conotoxia mobile app. If you do not use the app, enter the unique code sent to your phone number.
You can top up your payment card from your wallet. To do so, you must have funds on it or top it up. If you do not know how to top up your currency wallet, please check our guide.
To top up your card with funds from your wallet, log into your account in the portal or the app.
If you are using the portal, go to the Currency wallet tab, and then click on Top up the card next to the currency you want to fund the card with. Then enter the amount you want to top up or click on Transfer all if you want to transfer all the funds in the given currency to the card.
If you are using the app, select one of your currencies on the Dashboard tab to top up the card, then click Top up the card and specify the amount you want to top up.
You can withdraw funds accumulated on your card to your currency wallet at any time, using the portal or the app. To do so, log in to your account.
If you are using the portal, go to the Currency wallet tab. Click on the three vertical dots next to the currency you wish to withdraw from the card to your wallet and then select the option Withdraw to wallet. Enter the amount you wish to withdraw.
If you are using the app, go to the Dashboard, click Withdraw money, and select Withdraw from card.
Your card payments may be declined for various reasons. This can happen when:
- the daily transaction limits were exceeded,
- the payment method selected is disabled in the card settings,
- you do not have sufficient funds on your card to cover the transaction,
- your card is inactive or blocked,
- incorrect card data were entered during the internet transaction (card number, expiry date, CVV code),
- incorrect data were entered for transaction authorization (PIN code, 3D Secure number).
If you are sure that your payment should be processed correctly and is still being declined, please contact our Customer Care Department.
If you believe that your card transaction has been incorrectly settled (e.g. funds have been withdrawn twice) or another irregularity has occurred, you can make a complaint by filling in the form available here.