About Your Joker Onlne MasterCard® by Novum Bank Limited
What is the Joker Online MasterCard®?
Is there a minimum age to become a Joker Online MasterCard® Cardholder?
Who provides the Joker Online MasterCard®?
How can I purchase my Joker Online MasterCard®?
How do I access my Joker Online MasterCard®?
To log in, simply click the ‘Login’ button at the top of the Joker MasterCard® website and enter your email address and password you set up, then follow the steps. (Note you can change this password once you have logged in by clicking on "Edit Profile" from the menu.)
Once you have logged in to your personal section you will be able to:
- Check your balance;
- Load money;
- View and download your transactions;
- Manage your settings.
How does the Joker Online MasterCard® work?
Can I start using my Joker Online MasterCard® as soon as I buy the card?
How can I retrieve my Joker Online MasterCard® details?
How secure is my card?
How many cards can I buy?
You can buy up to 2 cards issued by Novum Bank. You can buy additional cards once an active one is closed.
Is there a cancellation fee if I want to cancel my Joker Online MasterCard®?
No, there is no fee to cancel your card. However, if you request your balance to be transferred to a bank account a redemption fee will apply. For more information please visit our Fees table.
What fees and charges will I pay?
Fees and charges may be applied when you load your card and make purchases. For more information please visit our Fees table.
Is there a yearly fee charged on the Joker Online MasterCard®?
Yes, as per our Fees table table, there is a yearly fee. The yearly fee is automatically deducted from the card balance on due date. The yearly fee is due every 365 days from the sale date. If you do not pay the yearly fee within 30days from due date, the card will be automatically closed.
How do I get my PIN?
How to Load money onto your Joker MasterCard®
How can I load money on to my Joker Online MasterCard®?
You can load your Joker Online MasterCard® after being successfully verified. You can load your card with AufladeCards, Bank Transfer and SOFORT Banking. For further information kindly go to your Load your card section.
How much can I load on my Joker Online MasterCard®?
You can load up to €3,750 per month and €10,000 per year. The maximum single load is €3,750. The minimum load amount is € 5.
If you have not verified your details you cannot load your card as detailed in Limits Section.
How often can I load money onto my Joker MasterCard®?
Can someone load my card on my behalf? Who can load money onto my card?
Only you can load your Joker MasterCard®. You must ensure that you are transferring funds from a bank account in your own name, otherwise the funds will be returned to the original source. A fee for returning the money back will be charged. For more information please visit our Fees table.
How to make purchases?
Do I need to have enough balance to make purchases?
How can I pay using my Joker Online MasterCard® on the Internet?
- The card number (the 16 digit number from the front side of the card);
- The card expiry (from the front side of the card);
- The cardholder’s name (Joker Card);
- The CVV security number (the 3 digit number from the back side of your card, next to your signature).
How can I pay using my Joker Online MasterCard® at retailers?
How can I withdraw cash from the ATMs?
Can I also use my Joker Online MasterCard on foriegn websites?
What should I do if I have a pending transaction on my Card?
A pending transaction is simply a transaction that is waiting to be applied to your Card. You do not have to do anything because a pending transaction is just part of the process by which a purchase is charged to your Card. If you think the pending transaction is not correct please contact us without undue delay.
A pending transaction will either turn into a settled transaction or will be deleted within 14 days.
Why are transactions declined?
Transactions may be declined if the merchant cannot verify that there are enough funds on your Card to cover the value of the transaction you are making, including any applicable charges.
Are there transactions, which I cannot perform with my Joker Online MasterCard?
- You would not be able to use the Joker Online MasterCard to charge other credit cards or online wallets (e-wallet). However, you can pay for a product order or a service;
- You cannot use the card for gambling transactions or lotteries;
- Prescription medicines;
- Illegal drugs and drug paraphernalia;
- Illegal pornography;
- Tolls and Bridges fees;
- Offers in relation to pyramid schemes, chain letters, or similar;
- Goods and services, which violate the property rights of others
If you are not sure if a transaction will be processed with the Joker Online MasterCard, you can contact our Customer Support.
Non Verified Joker MasterCard®
What is a Non Verified Joker Online MasterCard®
The Non Verified Joker Online MasterCard® cannot be loaded. For more information please visit our Limits Section.
Why have I been issued with the Non Verified Joker Online MasterCard®?
The Non Verified Joker Online MasterCard® is the default entry level product issued to customers.
What are the limits on the Non Verified Joker Online MasterCard®?
To check the limit on the Non Verified Joker Online MasterCard®, please visit our Limits Section.
Verified Joker MasterCard®
What is the Verified Joker Online MasterCard®?
The Verified Joker Online MasterCard® gives you the flexibility to load and spend more than the Non Verified Card. Furthermore, with the Verified Joker Online MasterCard®, you will be able to possess more than one card.
How can I get the Verified Joker Online MasterCard®?
In order to increase your Non Verified Joker Online MasterCard® limits, Novum Bank must verify your registration details. For further information, please login and go to the "Limits" section.
What are the limits on the Verified Joker Online MasterCard®?
Is the limits upgrade free of cost?
How long will it take to increase the limits?
What is Phishing and how do I avoid it?
Phishing is a way of attempting to acquire sensitive information. We will never send an email to a cardholder requesting security or any other confidential information about your Joker Online MasterCard®. If you receive an email claiming to be from Joker Online MasterCard® or Novum Bank Limits with a link to what appears to be the Joker MasterCard® or Novum Bank Limited website, do not enter your personal or card details. Never reply to any such emails or disclose any personal information on such websites.
If you think you have received a fraudulent email, please forward the entire email including the header and footer to firstname.lastname@example.org.
How do I report that my card is lost or stolen?
As soon as you realise your card is lost or stolen you can:
- Call us on 01805-777071 (Cost: 14 cents per minute from German fixed line networks, from German mobile phone networks max. 42 cents.);
- Send an SMS typing “LOST” or “STOLEN” to +49 1578-5528393 (within Germany, you can send it to the number 1578-5528393)
- Update the status from the Joker Private website. Kindly log into your account and go to the “Card” Menu and click on “Change Status” option.
How to report suspected fraudulent payments or suspicious incidents?
Managing your Joker Online MasterCard®
How do I manage my Joker Online MasterCard®?
When you log in with your username and password you will be able to review your transactions and load your card. On our website, you'll find everything you need to make the most of your Card. If you ever need further help you can just contact us and we’ll be happy to help.
What is an available balance?
How do I check my available balance on my Joker Online MasterCard®?
You can check your available balance online. Simply log into your account and your available balance will be displayed.
You can also send an SMS to 1578-5528393 (within Germany, you can send it to the number 01578-5528393) typing “Balance”. For a fee, your balance will be sent to you.
How do I change my password?
I forgot my password. What do I need to do to get a new password?
What do I do if my address or name change?
If you want to change your address or name you will need to send an email to our customer suppport. Please make sure that you provide our customer support with one of the following copies:
- Utility bill (water, electricity or gas) no more than 6 months old, clearly showing the new name and/or registered address;
- Government registered letter, clearly showing the new name and/or registered address;
- Bank statement, no more than 6 months old, clearly showing the new name and/or registered address.
For other changes, please login where you will be instructed on how to make the changes.
Do I receive a Joker Online MasterCard® Card paper statement?
We do not issue paper statements. You can check your transactions online anytime you want. You will also have the option to download a pdf copy with all your transactions.
My Joker Online MasterCard® has stopped working, what is the reason?
- There are no funds left on your card – you may need to load more money if you wish to make a purchase;
- We have blocked the card for security purposes or on your instructions
- The card has expired – please check the expiry date on the card itself
What are the SMS Services available?
|Function||Instruction / Command||Example|
|Balance||Balance [Last 4 digits of Card Number]||Balance 1010|
|Block||Block [Last 4 digits of Card Number]||Block 1010|
|Lost||Lost [Last 4 digits of Card Number]||Lost 1010|
|Stolen||Stolen [Last 4 digits of Card Number]||Stolen 1010|
|List all Commands||Commands||Commands|
In addition to these services, you can also enable notification SMS. To enable these notifications, please login to the website and go to the “SMS Services” option where you will be instructed on how to enable these notifications. The SMS notification will inform you by SMS when:
• The card is loaded;
• The card is used on the MasterCard® network. You can also set a minimum transaction amount;
• The card balance is lower than your desired threshold.
Card Cancellation and Expiry
How do I close my Joker Online MasterCard®?
If you wish to receive the remaining balance to a bank account in your name, kindly provide all bank details (account holder’s name, name of the bank and IBAN). To close your card you will need to contact customer support.
There is no fee for closing your Joker Online MasterCard® but there is a fee for transferring your balance to a German bank account.
For how long is my Joker Online MasterCard® valid?
What is the Mastercard IdentityCheck / 3D Secure?
Mastercard IdentityCheck is an information/data query (also 2-factor authentication) that is available to you to optimally protect your credit card use and you against data misuse. For some online transactions, you may be asked to confirm the transaction by means of an activation link (by email) and by entering an SMS code (by SMS).
When you log in for the first time, you will be prompted to create your 3D Secure password so you can start making online payments immediately.