Kindly note that KNUST student or staff ID card has been changed to a multipurpose card (transactions, identification and access control). Students and staff are to submit their old ID cards to their respective heads of departments in exchange for the new cards when they receive a message on the collection of the cards.
Also note that the old cards ceases to be a legal identification of KNUST Students or staff from 28th February, 2017 and this has been communicated to all foreign embassies.
PIN GENERATION COMPLETE
Should you encounter any challenges with the activation of your multipurpose card, kindly visit any of the help desks manned by staff of uniBank on Campus from 9:00am to 5:00pm.
Q: How do I use the ATM locator/ finder?
Q: The ATM wouldn't accept my card. What should I do?
A: Report any difficulties in doing ATM transactions at the closest uniBank branch or call 0800110055 (Toll Free, Vodafone only) or +233 302 216000 - 399. Please provide the following information: dial
Your card type and number
All brand marks on the ATM
The address of where the ATM is located
Q: How can I get a list of ATM locations if I don't have internet access?
A: Our branches are always available for your enquiries. You can also call 0800110055 (Toll Free, Vodafone only) or +233 302 216000 – 399 for any information or assistance.
Q: Can I use my MasterCard prepaid card at any ATM?
A: Yes provided the ATM displays the MasterCard, Maestro and Cirrus brand mark. You may withdraw cash against the balance on your prepaid MasterCard with your Personal Identification Number (PIN) to withdraw cash.
Q: I've forgotten the PIN for my ATM card. How can I retrieve it or get a new one?
A: Please contact the Card Centre at KNUST.
Q: How can I get a replacement for a lost or stolen prepaid MasterCard ATM card?
A: Please contact the Card Centre at KNUST
Q: How can I find out more about my prepaid MasterCard benefits?
A: Visit the uniBank website for more information about your MasterCard prepaid uniBank.
Q: How can I get the name of the merchant where my card account was compromised?
A: uniBank appreciates the concern and diligence you are taking to protect your finances as it relates to MasterCard cards and the inquiry regarding a card account breach that has impacted you directly. We take each card breach occurrence very seriously and work to help ensure each cardholder data is protected with extreme care and diligence.
We encourage you to contact us immediately you suspect any sort of breach on your card
Q: What is an EMV chip card, and how can this technology help me?
A: The EMV chip card is a card embedded with a computer chip. They are simple to use and accept, and give cardholders increased convenience and security.
Q: How is a chip card different from a magnetic stripe card?
A: A chip card looks just like a traditional card but it has an embedded chip. Rather than swiping your card, you insert your chip card into the terminal to complete the transaction. Your card may also have contactless capabilities so you can tap your card at checkout when given the option.
Q: What makes chip cards better?
A: A chip card is like the card you have today, but includes an embedded microchip. The chip contains information that is encrypted making it extremely difficult for the card to be copied or counterfeited. Your chip card will also have a magnetic stripe on the back, so that you can continue using your card while merchants are transitioning to new chip-enabled terminals.
Q: What are the benefits of chip?
A: The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards. A chip card is virtually impossible to counterfeit.
Q: Where can I use my chip card?
A: Use your chip card at the same merchants you do now -- either by inserting the card into terminals that are chip-enabled or swiping your card. You can also continue to use your card as you did before for online payments, POS payments and at ATMs.
Q: Who do I contact if I want more information?
A: For more information about your chip card, please get in touch with our contact centre on 0800110055 (Toll Free, Vodafone only) or +233 302 216000 – 399.
Q: Why is uniBank upgrading to chip cards?
A: Your new chip card provides added security.
Q: What's my PIN?
A: The PIN on your chip card is the same PIN as on your previous card. If you forgot your PIN or want to change it, please contact your branch.
Q: How does chip work?
A: Whether your card is inserted in the terminal or tapped, the chip communicates with the terminal to determine whether the card is authentic. Typically, the terminal will prompt you to enter a PIN to validate your identity. Once approved, your transaction will be complete.
Bank’s name may appear, but it is not required. This and other card design details will be determined by the partner and the uniBank.
Q: Where can I find exchange rate information?
A: Call your personal banker or branch for the Bank’s current exchange rate figures.
Q. What is the currency rate for a country I am visiting?
If you would like to know what the latest currency exchange rate is for the country you are visiting, call your personal banker or branch for the Bank’s current exchange rate figures or visit our the branch for the latest currency exchange rates.
Q: I no longer have my MasterCard, how do I report the card as lost or stolen?
A: Please contact the uniBank contact centre on 0800110055 (Toll Free, Vodafone only) or +233 302 216000 – 399 to immediately report a stolen or missing card. Kindly contact the Card Centre at KNUST to request a new card
Q: Do I have to activate my MasterCard prepaid card before using it?
A: Yes, to activate a uniBank MasterCard is simply. Just use is once on any uniBank ATM by performing any transaction like checking your balance, changing your PIN or making a withdrawal.
Q: How do I use a uniBank MasterCard Prepaid Card?
A: When you're ready to make a purchase, give the cashier your card or, if asked, swipe your card at the terminal. The purchase amount will automatically be deducted from the card balance.
Q: Where can I use my uniBank MasterCard Prepaid Card?
A: You can use your uniBank MasterCard Prepaid Card anywhere that Debit MasterCard is accepted -- that's millions of locations worldwide from retail stores to online, mail and phone orders. You can also use your card to pay bills online.
Q: My available card balance will not cover my purchase amount. Can I still use my MasterCard prepaid card?
A: Yes, just tell the cashier in advance how much to deduct from your prepaid card and how much you will pay using an alternate payment method. Note that this process, known as "split tender," may not be supported by all merchants.
Q: How do I add funds to my card?
A: You can add funds to your card at any uniBank branch.
Q: How long can I use my uniBank MasterCard Prepaid Card?
A: uniBank MasterCard prepaid cards are valid for three (3) years from the date of issuance.
Q: How can I get the balance on my uniBank MasterCard Prepaid Card?
A: You can check your card balance on any uniBank ATM. Certain merchants will also have the ability to read your card's balance for you.
Q: What should I do if the merchant surcharge was not clearly disclosed before I paid?
A: Merchants must clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt. If you do not believe that you have been charged the correct amount, or you would like to report a questionable charge, call us on 0800110055 (Toll Free, Vodafone only) or +233 302 216000 – 399 or email us on info@uniBankghana.com.
Q: Are merchants allowed to ask me to provide identification to use my MasterCard?
A: There are certain situations when you use your MasterCard during which a merchant may require personal information. For example, for shipping purposes. Additionally, if the MasterCard is unsigned, a merchant should request personal identification (but not record it) and ask the cardholder to sign the card before completing the transaction.
If you believe that a merchant has violated the above standard or their actions requesting identification are questionable, you may report it to uniBank.
Q: I tried to make a purchase but my card gets declined. What should I do?
A: If a transaction is declined, please contact the uniBank contact centre on 0800110055 (Toll Free, Vodafone only) or +233 302 216000 – 399 to report it. This could be due to several reasons ranging from connectivity issues to security measures in place to reduce the risk of fraudulent transactions on certain types of transactions, which may result in declined transactions.
Q: I believe fraudulent purchases were made on my MasterCard credit card or debit card. How do I report it?
A: If you believe that a transaction posted to your account is fraudulent, you should immediately contact the financial institution that issued your card. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111.
Q: I know who committed fraud on my MasterCard credit card or debit card. How do I report it?
A: If you believe that you have information about a person who has committed fraud by using your MasterCard without your permission, please contact the financial institution that issued your card. Contact information can be located on the back of your card or on a monthly billing statement.
If you do not know the name of your financial institution or can't find it, you may contact the MasterCard Fraud Team at FraudTeam@MasterCard.com. If you do not have access to email and prefer to send a letter to MasterCard, please address your concern to:
MasterCard International Incorporated
2000 Purchase Street
Purchase, NY 10577
Q: There was a breach on my account and I received a new card. How can I get more information?
A: MasterCard appreciates the concern and diligence you are taking to protect your finances. We take each card breach very seriously and work closely with investigative agencies. We encourage you to contact your financial institution for the most up-to-date information. Typically, there is a customer service number on the back of the card that you can call.
Q: How can I get the name of the merchant where my card was compromised?
A: MasterCard appreciates the concern and diligence you are taking to protect your finances. We take each card breach very seriously and work closely with investigative agencies.
Specific to card breaches, MasterCard cannot determine which merchant transaction caused a card breach since this data is not generally provided to us. We encourage you to contact the financial institution that issued your MasterCard for the most up-to-date information. Typically, there is a customer service number on the back of the card that you can call.
Q: How can I dispute a charge?
A: Please contact uniBank Ghana Limited to dispute a charge. Only uniBank holds your specific and unique information including what rights you have to file disputes. The dispute process agreed to by financial institutions that issue MasterCard or process MasterCard transactions is set up to allow the financial institutions to manage disputes with cardholders and merchants in a formal manner.