With the HFB Mastercard, you can instantly shop, dine or make payments and start enjoying great cashbacks and discounts at any of our partner outlets or service providers. The HFB Mastercard uses the latest chip and PIN security technology and can be used at over 40 million Mastercard establishments worldwide, including more than 1 million Mastercard and Maestro ATMs in over 210 countries.

With your HFB Mastercard, the experiences are great and the memories are priceless.

FAQs

1. How to get your Housing Finance Mastercard?
   Getting the Mastercard from Housing Finance Bank is very simple, easy, and takes only a few minutes. Mandatory requirements to get the card include, but are not limited to:- An active Account with Housing Finance Bank
   – A valid form of identification (e.g., National ID)Once you have all the above, visit any of our branches near you, complete the application form, sign it, and submit it along with a copy of your ID.
2. How to Use Your HFB Mastercard at an ATM.

Look for an ATM with the Housing Finance Bank or Mastercard logo in Uganda or any other part of the world.

• Insert your card into the ATM slot.
• Enter your 4-digit PIN when prompted.
• Select a transaction from the main menu (e.g., withdraw cash, balance inquiry) and follow the instructions to complete it.
• Take your card from the ATM slot and collect your cash.

3. How to shop with the HFB Mastercard?

• Look for the Mastercard logo at the merchant entrance or at the cashier. A merchant refers to any place where your card is accepted, such as hotels, restaurants, and supermarkets.
• Inform the cashier that you would like to pay with your Mastercard.
• The merchant will insert or swipe your card, depending on the type of terminal.
• The amount will be entered. Confirm the amount and authorize the transaction by entering your PIN.
• Important: Never let anyone enter your PIN for you.
• Depending on the location, you may be required to sign the merchant copy of the receipt to confirm the transaction.
• Take your receipt copy — your purchase is complete.

4. What are the benefits of the HFB Mastercard?

• Enabled for contactless payments (tap-and-pay technology)
• Shop online and at any location around the world
• Access to 24/7 banking

5. Where can I use my Housing Finance Bank Mastercard?You can use your card at all Housing Finance Bank ATMs or at any ATM bearing the Interswitch or Mastercard logo. You can also make purchases at no additional cost at any merchant location where the Mastercard logo is displayed.
6. Why does my Housing Finance Bank Mastercard have a chip?The chip provides an additional layer of security, allowing you to shop more safely than ever before.

• How do I keep my PIN safe?

1. Never reveal your PIN to anyone, including merchants, friends, or family members.
2. Do not allow anyone to enter your PIN on your behalf.
3. When at an ATM, shield the keypad and ensure no one is watching over your shoulder.

• What do I do if I forget my PIN?Please visit any Housing Finance Bank branch near you to request a PIN reset.

• What should I do if my Housing Finance Bank debit card has been lost or stolen?Report it immediately by visiting any Housing Finance Bank branch near you or by calling our toll-free Customer Service number on 0800 211 082. Prompt reporting ensures your card is blocked and protects your account from unauthorized transactions.

• How do I change my PIN?You may do so in two ways:

• By visiting any Housing Finance Bank branch and requesting a PIN change.
• At any Housing Finance Bank ATM.

• How do I get a replacement for a cracked or damaged card?If such a situation arises, visit the nearest Housing Finance Bank branch for a replacement and to have the card blocked as a precautionary measure.

• What should I do if my card is blocked?Please visit any Housing Finance Bank Branch near you for a PIN reset.

• How do I increase my card limit?A cardholder’s limit can be increased by providing a written instruction to the Bank at any Housing Finance Bank branch. Our staff will gladly assist you should the need arise.

• Does the Housing Finance Bank Debit Mastercard work overseas?Yes, it does. You can use your card at any ATM, point of sale, or online merchant displaying any of the following logos:

• Mastercard
• Visa
• Maestro
• UnionPay

• What precautions do I have to take when using my Housing Finance Mastercard?It is important to keep your PIN safe:

• Before using an ATM, check to ensure no skimming device has been attached. While entering your PIN, shield the keypad with your other hand.
• Never write down or store your PIN together with your card.
• Report any loss of your card to the Bank immediately.

• What do I need to do if travelling abroad?You need to ensure the following:

• Your Housing Finance Bank card is activated.
• You have the correct PIN for your card.
• Request a limit increase if you anticipate making payments above the predefined limits, for example, hospital bills or bulk shopping.

• What should I do if my Debit Card is nearing its expiry date or has expired?Visit any Housing Finance Bank Branch for a card replacement.

MASTERCARD PREPAID FAQs

1. What is the Prepaid MasterCard?
   The Prepaid Mastercard is a card preloaded with a specific amount that can be used to make purchases anywhere Mastercard is accepted electronically, including online. The amount of each purchase you make will be automatically deducted from the card’s balance.
2. Why should I get a Housing Finance Bank Prepaid MasterCard? 

• It is safer than carrying cash
• It is a budget control card since a predetermined amount is loaded
• You can use it as your travel or shopping card
• No need to worry about going into debt

3. How do I get a Housing Finance Bank Prepaid Mastercard?
   You can obtain a Prepaid Mastercard at any Housing Finance Bank branch — whether you have an account with the Bank or not.
4. If you have an account with the Bank:

• Fill out the prepaid card application form.
• Fund your prepaid card by requesting a transfer from your existing account or by depositing cash directly.

5. If you don’t have an account with the Bank:

• Visit any Housing Finance Bank branch.
• Present a valid National ID or passport.
• Fill out the prepaid card application form.
• Provide a valid and fully registered mobile number to activate SMS alerts for transactions.
• Deposit funds onto your prepaid card.
• Your card will be activated and ready for use.

6. Once I receive my Housing Finance Bank Prepaid Mastercard, how do I activate it?
   Your card will be issued instantly after a few minutes of processing your application. To activate it, simply deposit funds onto the prepaid card and begin using it at any merchant location, including supermarkets, hospitals, online stores, health clubs, restaurants, and more.
7. How do I add cash to my Housing Finance Bank Prepaid Mastercard?

• Transfer funds from your Housing Finance Bank account (if you have one), or
• Visit any Housing Finance Bank branch to deposit cash directly onto your prepaid card.

8. Are there minimum and maximum amounts I can add to my Housing Finance Bank Prepaid Mastercard?
   Yes, daily deposit limits apply in line with regulatory requirements to help prevent money laundering. These limits are displayed in the Banking Hall and on the Prepaid app.
9. Where can I use the Housing Finance Bank Prepaid Mastercard?
   The Housing Finance Bank Prepaid Mastercard can be used at any merchant location in Uganda or abroad, including hotels, hospitals, shopping malls, and online stores, wherever the Mastercard logo is displayed.
10. Does the Housing Finance Bank Prepaid Mastercard expire?
    The expiry date is printed on the card. Additionally, if the card is inactive for an extended period, it may go dormant. Reactivation will be required, as a security measure to prevent unauthorized activity.
11. What if I forget or lose my PIN?
    Call the Housing Finance Bank Customer Service toll free number 0800 211 082 to request a PIN reset or replacement.
12. What should I do if my Housing Finance Bank Prepaid Mastercard is lost or stolen?
    Report it immediately by visiting any Housing Finance Bank branch near you or by calling our toll-free Customer Service number on 0800 211 082. Prompt reporting ensures your card is blocked and protects your account from unauthorized transactions.