3D Secure | Podgorička banka
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3D Secure

Podgorička banka has provided to its customers, cardholders of MasterCard and VISA,  even greater security in transactions on the Internet through a new system of data verification "3D Secure".

"3D Secure" is international security standard for verifying the accuracy of the cardholder when paying on the Internet and was developed in order to prevent card abuses by third parties.


The advantages of this system are safe transfer of payment information when performing online purchases, with the participation of the buyer in the transaction payment, as well as control of unauthorized use of the card.

"3D secure" system protects against the risk of fraud on the Internet in a way that cardholders, when shopping on the Internet, receives via sms password via mobile phone in order to confirm their identity. This way the possibility of misuse of the card by an unauthorized person is decreased to a minimum because the purchase can be realized only after entering a password.

Podgorička banka has enabled 3D Secure system for free for all users of VISA and MasterCard cards issued by our bank.


When shopping on the Internet, you can follow these instructions:

  • Choose the products and services you wish to purchase, then go to the payment page and enter the requested information (required data are the most common: the name printed on the card, the card number, expiration date CVV2 CVC2).
  • After confirming the payment, web site will automatically connect with the bank and check whether the card is activated for use of 3D Secure service.
  • On your screen, a window will appear with the basic details of the transaction, your identification data and a request to enter one-time password.
  • Make sure your data (the amount of the transaction, the last four digits on the card and personal information) are correct. You will get the password at your phone number registered in our database.
  • Enter your password and confirm your entry. If the password is correct, the bank will verify your authenticity to the seller. The merchant forwards the request on the available funds in the account and safety status of cards to the bank, after which the purchase can be performed.

More information you can find at:

MasterCard 3D Secure

VISA 3D Secure

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