Nowadays, credit and debit cards are taking over from cash. According to data from the Bank of Spain, in 2018 there were more than 83 million cards in circulation in our country, which represents an increase of around six percent compared to 2017.
The rise of e-commerce, the variety of payment methods based on cards, and increased security are some of the main reasons why plastic money is gaining ground on cash. In the third quarter of 2018, the number of transactions carried out with credit cards in Spain broke a new historical record, exceeding one billion transactions.
Whether in physical stores or online stores, card payment is fast, convenient and secure.
Ruralvía cards
To make the most of all its advantages with complete security, the Caja Rural Group recommends to our clients:
Always sign the back of the card when you receive it.
Memorize your PIN number and do not always use the same one for all cards. This number can be easily changed at any of our ATMs or through the mobile banking service of Grupo Caja Rural, ruralvía .
Destroy the expired card when you receive the renewed one.
Activate the card alert service. Thanks to this completely free service, you will be informed instantly of all transactions made, both in terms of purchases and cash withdrawals.
If you are not going to make purchases online, it is advisable to ask your local branch to disable the online shopping option on your card. This way, you will only be able to pay with it in physical stores.
Manage daily limits for cash withdrawals at the student data ATM or card purchases. This management can be done at the branch or directly through ruralvía.
Report any suspicious charges on the account.
In the event of theft or loss of the card, through ruralvía, Caja Rural Group customers can temporarily deactivate a card so that it is inactive for a period of time decided or block it . They can also call their trusted branch directly or contact us through the following telephone numbers: +34 91 334 67 82.
In addition, to ensure maximum security for all transactions, in addition to the most advanced card technologies and fraud prevention systems, Caja Rural cards include fraudulent use insurance.
All our cards have this free insurance to cover financial losses resulting from fraudulent charges made to the card in the event of possible theft or loss.
Be very careful at ATMs
Although the use of cash is decreasing, in 2018, we carried out 934,640 transactions in ATMs in Spain, worth 124,864.10 million euros, according to data from the Bank of Spain. Figures that represent an increase of almost 2 percent compared to 2017. For this reason, it is also important to take extreme precautions when we are going to withdraw money.