With 3D Secure technology, you will have a higher level of security for your online payments.


Texim Bank AD adds a new free opportunity to make more secure payments with bank cards on the Internet through the 3DS Secure scheme. The cardholder will be able to authenticate himself by entering at least two independent elements to verify his identity.


The new proposal is in line with the requirements of Directive (EU) 2015/2366 (PSD 2) and Delegated Regulation (EU) 2018/389 for the implementation of Strong Customer Identity Authentication (SCA) and with care for the security of your Internet payments.

To add the new level of security, you will initially receive an automatically generated SMS with an initial registration password to your registered mobile phone within Texim Bank AD. (Example: TEXIM: NNNNNN is your password for registration of card **** nnnn for secure payments on the Internet. For registration: till hh: mm.).

You will receive a separate sms with an initial registration password for each card issued by Texim Bank AD.

The initial password is valid for one month from the date of receipt. In case you do not complete your registration within the appointed period, you should contact the Bank for instructions on obtaining a new initial password.

You should enter the initial password received for the respective card on the indicated link by following the instructions and you should create your personal static password, which will be known only by you. With this action you will complete your registration for the secure online shopping service.

From now on, every time you shop on a merchant's website that maintains the appropriate level of authentication, you will enter your static password plus a dynamic (one-time) password, which will be sent to your registered mobile phone at the Bank. The dynamic (one-time) password is unique and is generated automatically for each individual purchase. This strengthens the monitoring and prevention of attempted fraud when shopping online.

Internet merchants who do not maintain the appropriate level of security (with 3 DS terminals) accept payments as before - by entering the card number and the three digits written on its back of the card (CVV2 / CVC code).


You can change your password here.

General terms and Conditions of Texim Bank AD

Texim Bank AD is constantly striving to increase the level of security and at the same time to offer new services to its customers. In this regard you can expect the introduction of biometric authentication via a mobile device for Internet payments confirmation in short terms. More information and instructions will be published after the implementation of the service.


For additional information:

• 02/903 55 00

• offices of Texim Bank AD

• E-mail: