<!DOCTYPE html>
<?php $pageTitle = "Card Security"; include 'includes/public-header.php'; ?>

<main id="main-content">
<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Card Security</h1><p class="db-page-hero-subtitle">Your card is protected by multiple layers of security, from PIN authorisation to real-time fraud monitoring. Learn how we keep your money safe.</p><img src="assets/svg/security-shield.svg" alt="Bank-grade security shield" width="80" height="80" style="margin:var(--db-space-6) auto 0;display:block;"></div></section>

<section class="db-section"><div class="db-container"><div class="db-content animate">
  <div class="db-alert db-alert-warning"><i class="fas fa-exclamation-triangle"></i><div><strong>Important:</strong> We will never ask you to share your card PIN, full card number, CVV, or one-time verification codes by phone, email, or text message. If someone requests this information, it is a scam. <a href="report-fraud.html">Report it to us immediately</a>.</div></div>
  <h2>How Your Card Is Protected</h2>
  <p>Every <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> card is built with security at its core. Whether you are shopping in-store, paying online, or using your virtual card for digital subscriptions, multiple safeguards work together to protect every transaction.</p></div>
  <div class="db-grid db-grid-3 db-mt-8">
    <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-key"></i></div><h3 class="db-card-title">PIN Protection</h3><p class="db-card-text">Every card transaction at a point-of-sale terminal or ATM requires your personal 4-digit PIN. Without it, the card cannot be used for in-person purchases or cash withdrawals. Your PIN is encrypted and never stored in plain text anywhere in our systems.</p></div>
    <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-bell"></i></div><h3 class="db-card-title">Real-Time Alerts</h3><p class="db-card-text">Receive instant notifications for every card transaction via SMS, email, or push notification. Alerts include the merchant name, transaction amount, and time stamp, allowing you to spot and report anything unusual within seconds.</p></div>
    <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-shield-virus"></i></div><h3 class="db-card-title">24/7 Fraud Monitoring</h3><p class="db-card-text">Our automated systems continuously analyse transaction patterns. If a transaction appears out of character -- such as a purchase in an unusual location or an abnormally large amount -- it is flagged for review and may be blocked until you confirm it.</p></div>
    <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-lock"></i></div><h3 class="db-card-title">EMV Chip Technology</h3><p class="db-card-text">All physical debit cards include an encrypted EMV chip that generates a unique transaction code for each purchase. This prevents card counterfeiting and makes it virtually impossible for criminals to create a usable copy of your card.</p></div>
    <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div><h3 class="db-card-title">Card Controls</h3><p class="db-card-text">From your online banking dashboard, you can instantly freeze or unfreeze your card, set spending limits, restrict transactions to certain countries or merchant categories, and enable or disable online payments -- all in real time.</p></div>
    <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-code"></i></div><h3 class="db-card-title">Two-Factor Authentication</h3><p class="db-card-text">Online and high-value card transactions require additional verification through a one-time code sent to your registered phone or email. This ensures that even if your card details are compromised, a second factor is needed to complete a purchase.</p></div>
  </div>
</div></section>

<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate">
  <h2>Safe Card Usage Tips</h2>
  <p>While we provide robust security, there are simple steps you can take to further safeguard your card and personal information.</p>
  <div class="db-grid db-grid-2 db-mt-8">
    <div><h3><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Do</h3><ul style="list-style:none;padding:0;"><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Memorise your PIN and never write it on the card or keep it in your wallet</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Shield the keypad with your hand when entering your PIN at a terminal or ATM</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Review your transaction history weekly through your online banking dashboard</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Enable transaction alerts so you are notified of every card payment</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check" style="color:var(--db-success);margin-right:0.5rem;"></i> Keep your card in a secure place when not in use</li></ul></div>
    <div><h3><i class="fas fa-times-circle" style="color:var(--db-danger);margin-right:0.5rem;"></i> Don't</h3><ul style="list-style:none;padding:0;"><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Share your card number, PIN, CVV, or expiry date with anyone</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Let the card out of your sight during a transaction</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Use your card on websites that do not display a padlock icon in the address bar</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Respond to unsolicited calls or messages asking for card details</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-times" style="color:var(--db-danger);margin-right:0.5rem;"></i> Store your card details in unsecured apps or note-taking software</li></ul></div>
  </div>
</div></div></section>

<section class="db-section"><div class="db-container"><div class="db-content animate">
  <h2>Online Shopping Safety</h2>
  <p>Online payments are convenient, but they also introduce unique risks. Follow these guidelines to shop safely with your <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> card.</p>
  <ul>
    <li><strong>Verify the merchant:</strong> Only make purchases from reputable websites. Check the URL begins with <code>https://</code> and that the padlock icon is present in your browser's address bar before entering any payment details.</li>
    <li><strong>Use your virtual card:</strong> For online shopping, consider using a <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> Virtual Card. Virtual cards generate unique card numbers linked to your account, adding an extra layer of separation between the merchant and your primary account.</li>
    <li><strong>Avoid public Wi-Fi:</strong> Never enter card details when connected to unsecured public Wi-Fi networks. Use a trusted VPN if you must make a payment while away from home.</li>
    <li><strong>Watch for phishing:</strong> Be cautious of emails or text messages that appear to be from retailers asking you to confirm payment details. Always navigate to a website directly rather than clicking a link in an unsolicited message.</li>
    <li><strong>Keep records:</strong> Save order confirmations and payment receipts until you have received your purchase and verified the charge on your account statement.</li>
  </ul>
</div></div></section>

<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate">
  <h2>Protecting Your PIN</h2>
  <p>Your Personal Identification Number is the primary gatekeeper for in-person transactions. Protecting it is one of the most effective ways to prevent card fraud.</p>
  <ul>
    <li><strong>Choose a strong PIN:</strong> Avoid obvious numbers such as your birth date, anniversary, phone number, or repeated digits (e.g., 1111 or 1234). Select a number that cannot be easily guessed.</li>
    <li><strong>Change it regularly:</strong> Update your PIN every few months through any <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> ATM or from your online banking dashboard.</li>
    <li><strong>Use unique PINs:</strong> Do not use the same PIN for your bank card that you use for your phone, alarm system, or other services.</li>
    <li><strong>Cover the keypad:</strong> At ATMs and payment terminals, use your free hand to shield the keypad from view. Shoulder-surfing and hidden cameras are common methods criminals use to capture PINs.</li>
    <li><strong>Never disclose it:</strong> No legitimate bank employee, police officer, or merchant will ever ask for your PIN. If someone does, refuse and report the incident.</li>
  </ul>
</div></div></section>

<section class="db-section"><div class="db-container"><div class="db-content animate">
  <h2>What to Do If You Notice Unusual Activity</h2>
  <p>If you spot a transaction you do not recognise, or if your card is used in a way that seems suspicious, take the following steps without delay:</p>
  <div class="db-steps db-mt-8">
    <div class="db-step animate animate-delay-1"><h4>Freeze Your Card</h4><p>Log in to your dashboard and use the card freeze function to immediately block further transactions on the affected card.</p></div>
    <div class="db-step animate animate-delay-2"><h4>Review Your Transactions</h4><p>Check your recent transaction history carefully. Note any transactions you do not recognise and compile the dates, amounts, and merchant names.</p></div>
    <div class="db-step animate animate-delay-3"><h4>Contact Us</h4><p>Report the suspicious activity to our fraud team through your dashboard, by calling our 24/7 hotline, or by visiting a branch. Provide all details you have gathered.</p></div>
    <div class="db-step animate animate-delay-4"><h4>Request a Replacement</h4><p>If fraud is confirmed, we will cancel the compromised card and issue a replacement with a new number. Your funds remain protected under our zero-liability policy for unauthorised transactions.</p></div>
  </div>
</div></div></section>

<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate">
  <h2>Frequently Asked Questions</h2>
  <div class="db-faq db-mt-8">
    <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What should I do if I forget my card PIN?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You can reset your PIN through your online banking dashboard under Card Settings, or by visiting any <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> ATM. For security reasons, we cannot tell you your existing PIN, as it is encrypted and not accessible to our staff. You will need to set a new PIN using the reset process, which requires identity verification via a one-time code sent to your registered phone or email.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I know if a website is safe for entering my card details?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>A safe website will display a padlock icon in your browser's address bar and its URL will begin with <code>https://</code> (the 's' stands for secure). You can also look for trust seals from organisations such as Norton, McAfee, or the payment processor's own security badge. If in doubt, visit the merchant through a known link rather than following one from an email or advertisement.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Does my virtual card have the same security features as my physical card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Yes. Virtual cards from <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> carry the same security protections as physical cards, including transaction alerts, spending controls, and real-time fraud monitoring. Additionally, virtual cards offer an extra layer of protection because the card number is unique to the virtual card -- if it is compromised, your primary account and physical card remain unaffected. You can generate a new virtual card number instantly from your dashboard. <a href="virtual-cards.html">Learn more about virtual cards</a>.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Will I be held liable for fraudulent transactions on my card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> maintains a zero-liability policy for unauthorised transactions, provided you have taken reasonable care to protect your card and PIN and you report the unauthorised activity promptly. As soon as you notify us of suspicious transactions, we will investigate and, where fraud is confirmed, refund the disputed amounts. This protection is subject to our <a href="terms.html">Terms of Use</a>, so please review them for full details.</p></div></div></div>
  </div>
</div></div></section>

<section class="db-section"><div class="db-container"><div class="db-content animate">
  <h2>You May Also Be Interested In</h2></div>
  <div class="db-related db-mt-8">
    <a href="cards.html" class="db-card animate animate-delay-1" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-credit-card"></i></div><h3 class="db-card-title">Cards Overview</h3><p class="db-card-text">Explore the full range of debit and virtual cards available to <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> customers.</p><span class="db-card-link">Learn more <i class="fas fa-arrow-right"></i></span></a>
    <a href="debit-cards.html" class="db-card animate animate-delay-2" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-credit-card"></i></div><h3 class="db-card-title">Debit Cards</h3><p class="db-card-text">Visa and Mastercard debit cards with global acceptance and built-in security features.</p><span class="db-card-link">Explore debit cards <i class="fas fa-arrow-right"></i></span></a>
    <a href="virtual-cards.html" class="db-card animate animate-delay-3" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div><h3 class="db-card-title">Virtual Cards</h3><p class="db-card-text">Generate virtual card numbers for safer online shopping and subscription management.</p><span class="db-card-link">Explore virtual cards <i class="fas fa-arrow-right"></i></span></a>
  </div>
</div></section>

<section class="db-section db-cta"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title">Explore Your Card Options</h2><p class="db-cta-description">Find the card that matches your spending habits and security preferences.</p><div class="db-cta-actions"><a href="cards.html" class="db-btn db-btn-light db-btn-lg">Explore Cards</a><a href="report-fraud.html" class="db-btn db-btn-outline-white db-btn-lg">Report a Concern</a></div></div></div></section>
</main>

<footer class="db-footer" role="contentinfo"><div class="db-container"><div class="db-footer-grid"><div class="db-footer-brand"><img src="logo.png" alt="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>" width="160" height="40"><p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> provides secure personal banking, business banking, digital banking, transfers, cards, and wealth management to clients worldwide.</p></div><div class="db-footer-col"><h4>Personal</h4><ul class="db-footer-links"><li><a href="accounts.html">Accounts</a></li><li><a href="transfers.html">Transfers</a></li><li><a href="cards.html">Cards</a></li><li><a href="digital-banking.html">Digital Banking</a></li><li><a href="open-account.html">Open an Account</a></li></ul></div><div class="db-footer-col"><h4>Business</h4><ul class="db-footer-links"><li><a href="business-banking.html">Business Overview</a></li><li><a href="business-account.html">Business Accounts</a></li><li><a href="corporate-bank.html">Corporate Banking</a></li></ul></div><div class="db-footer-col"><h4>Security & Help</h4><ul class="db-footer-links"><li><a href="security-centre.html">Security Centre</a></li><li><a href="report-fraud.html">Report Fraud</a></li><li><a href="help-centre.html">Help Centre</a></li><li><a href="faq.html">FAQs</a></li><li><a href="customer-support.html">Customer Support</a></li></ul></div><div class="db-footer-col"><h4>Company</h4><ul class="db-footer-links"><li><a href="about-us.html">About Us</a></li><li><a href="careers.html">Careers</a></li><li><a href="investor-relations.html">Investor Relations</a></li><li><a href="contact.html">Contact Us</a></li><li><a href="account/login.html">Log In</a></li><li><a href="account/register.html">Register</a></li></ul></div></div><div class="db-footer-bottom"><div class="db-footer-copyright">&copy; <span class="footer-year">2024</span> <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>. All rights reserved.</div><div class="db-footer-legal"><a href="privacy-policy.html">Privacy Policy</a><a href="terms.html">Terms of Use</a><a href="cookie-policy.html">Cookie Policy</a><a href="accessibility.html">Accessibility</a><a href="sitemap.html">Sitemap</a></div></div></div></footer>
<script src="plugin/jquery.min.js"></script><script src="plugin/bootstrap/js/bootstrap.bundle.min.js"></script><script src="assets/js/landing.js"></script>
<script>document.querySelector('.footer-year').textContent=new Date().getFullYear();</script>
<?php include 'includes/public-footer.php'; ?>
