We received the following warning from Standard Bank


Some bars and clubs in Croatia have a scam going whereby the cardholder authorises a chip & PIN verified transaction for an amount however in the background a much larger amount is being confirmed and debited.  The cardholders normally do not get given or take the receipt.  We do not have any dispute rights on these transactions because they are all fully verified using the chip & PIN and the cardholder is not able to provide evidence of the original lower amount.  This does not just effect Standard Bank clients, its all bank card.

It is up to €4,000 or $4,000 they can take as this is the daily point of sale transaction limit on our cards and it is not something we can reimburse if they do not have a receipt of the lower amount.  We suggest using cash in bars or insisting on a receipt and making sure they get one before handing over their card.

The same happened to a lot of crew in Croatia last year so they could be targeting the bars the crew go to and especially at this time of the season, the latest crew to get hit was in a bar in Trogir but they are operating all over.

What we are going to do as a temporary measure is reduce the total point of sale transaction clients can make in Croatia to EUR 300.  We will also put a block on the bars where we know fraudulent transactions have taken place.

This will still only effect a small number of our Seafarer clients so we can’t start doing mailshots to all Seafarers so your help in spreading the word would be appreciated.