🔐 Transactions & Security
Transactions on Stoiximan are carried out securely, using the latest data protection protocols. Below you’ll find answers about security codes, bank details and everything you need to know about your deposits and withdrawals.
🔹 What is the CVV2 / CVC2 code?
The CVV2 / CVC2 is the 3- or 4-digit security code printed on your card (usually on the back). It is an additional security measure for online transactions and is required for every deposit.
📍 You can find it:
- on the back of your card (next to the signature panel), or
- via your bank’s e-banking.
💡 This code is never stored and is never shared — you only enter it at the moment of the transaction.
🔹 What are IBAN, BIC and SWIFT?
IBAN (International Bank Account Number):
The International Bank Account Number, unique for every bank account.
BIC (Bank Identifier Code) & SWIFT:
The international identification codes of the bank. They are used for cross-border or international money transfers.
You can find these codes on the back of your card or via your bank’s e-banking.
📘 Example of IBAN:
GR12 3456 7890 1234 5678 XXXX 345
🕒 Delays in transactions
The completion time of a transaction depends on the payment method used. In most cases, withdrawals are instant or completed within 24 hours.
🔸 Possible reasons for delay:
- Bank holidays
- Technical issue with the payment provider
- Technical issue on Stoiximan – try refreshing the page or restarting the app
In case there is a known delay, there will be a notification above the relevant payment method
📅 If the transaction has not been completed within 5 business days, there is no need to worry. Our Customer Support Team is available to check it and assist you directly.
👉 You can contact us through the communication options at the bottom of the page.
⚠️ What should I pay attention to?
For a withdrawal to be successfully completed, you must:
- Have a verified account on Stoiximan.
- Ensure that your account details match those of the payment method (e.g. bank card or bank account).
🔐 Transactions with a Third-party Card or Joint Account
Short answer:
❌ No, transactions with a card or account held by another person are not allowed.
✅ Yes, transactions are allowed from a joint account where you are a co-holder.
📘 In detail:
For security and regulatory reasons, only transactions made by the holder or co-holder of the account/card are allowed, as defined in the Terms of Use (section 3.2).
If the details do not match, the transaction is declined and a relevant error message appears.
💡 Important:
If you have accidentally used a card with different details, you can easily fix it:
➡️ Go to My Account → Profile → Verification process and register a payment method in your own name.
✅ Summary
• CVV2/CVC2: this is the security code on the back of your card.
• IBAN & BIC/SWIFT: these are required details for bank transfers.
• Transaction times: most transactions are completed within 24 hours, with very few exceptions.
• Payment methods: transactions can only be made with verified methods in your name, or from a joint account where you are a co-holder.