Electronic Banking
EMV Cards

In Bangladesh, Dutch Bangla Bank was the first bank to issue EMV Debit & Credit cards and acquire EMV cards in the POS terminals and ATMs. EMV is the most advanced technology for secure payment which was developed jointly by Europay, MasterCard & Visa and was later adopted by other payments card brands. We are not only the first bank but also one of a few banks in the sub-continent to implement EMV for the issuing of both MasterCard/Visa debit and credit cards. In this region, Dutch Bangla Bank is the first bank to achieve card portfolio with all EMV compliant products.

Our EMV MasterCard & VISA debit card & credit card consists of both EMV chip and Magnetic stripe for wider acceptance. If the terminal supports EMV, chip transaction takes place. If the terminal does not support EMV, transaction will be completed using the magnetic stripe of the card. EMV protects cardholders by preventing copying of card data and ensures a liability shift benefit which protects cardholders in non-EMV terminals.

Transactions from EMV chip card improves security against fraud compared to magnetic stripe card transactions that rely on the holder's signature and visual inspection of the card to check for features such as hologram. The use of a PIN and cryptographic algorithms such as Triple-DES, RSA and SHA provide authentication of the card to the processing terminal and the card issuer's host system. The processing time is comparable to online transactions, in which communications delay accounts for the majority of the time, while cryptographic operations take comparatively little time.