mllab/smiles-2025 · Datasets at Hugging Face

query stringlengths 6 126	response stringlengths 15 719
For how long does a cash loan increase my limit	The cash withdrawal limit is increased by the loan amount for 30 calendar days after taking out a cash loan or refinancing.
no app needed?	Alfa-Online works directly as a mobile banking site on smartphones without requiring you to download the app.
help with activities in russia via alfa-bank?	Alfa-Bank offers full assistance for any issues related to your operations in Russia.
What does the Electronic Log include?	The Electronic Log includes all checks and actions taken by the User and the Bank according to the Agreement.
registration not completed yet. am i considered a user?	No, completing the Registration procedure is a mandatory requirement to be classified as a User of the Mobile Bank.
Need info on factoring with electronic documentation	Alfa-Bank offers online factoring via a high-tech platform. It uses electronic document flow and e-signature, allowing suppliers and debtors to process transactions and receive financing within hours.
Need in Russian	You can request a certificate in Russian through the mobile app or Alfa-Online.
Can I use a foreign document as ID if I’m a stateless person?	Yes, a document issued by a foreign state and recognized under an international treaty of the Russian Federation can be used as an identity document for a stateless person.
Do shareholders and company visitors have their data processed?	Yes, shareholders and visitors to the bank are included in the categories whose personal data is processed.
Favorable rate?	The interest rate is boosted and higher than the rate on classic deposits.
How long does it take to fully close my account?	The account will be fully closed in 45 days after the closure request is initiated.
what if i need animal care guidance?	Use the Alfa-Friend Telegram bot for expert advice and step-by-step instructions on caring for animals.
Your data protection steps	We identify threats, apply legal security measures, use certified tools, evaluate effectiveness, track physical media, detect breaches, recover data, control access, log actions, and monitor security continuously.
Use card token for payments	Yes, you can perform an Expense Operation using the Card Token.
Leasing vehicles currency options	You can lease vehicles in RUR, USD, or EUR.
Does your bank do valuation for IPO transactions?	Yes, we perform business valuation specifically for the purposes of the transaction during IPO/SPO.
How can I repay my cash loan early?	You can repay your loan early in the mobile app by navigating to Your loan account → Repay early.
when cashback for october?	Cashback for October purchases will be credited on November 10.
Already have a card	If you already have an Alfa-Card, we’ll link the loan to it and credit the funds to your existing account. No new card is needed.
Leasing for profitable business only	Yes, the applicant must have an ongoing profitable business.
What’s the max credit period for imports?	The maximum credit period for ECA-backed equipment imports is ten years.
Debit card payment system?	Alfa-Bank issues Mir cards. Verify your card’s payment system through the mobile app, Alfa-Online, or the website.
Can I avoid quasi-cash fees?	Quasi-cash transactions may involve commissions. To avoid fees, avoid using your card for services like casinos, crypto exchanges, or bookmakers.
do you accept foreign banks for correspondent accounts?	Yes, over 400 banks and non-banking credit institutions from abroad maintain correspondent accounts with Alfa-Bank.
Can I open a deposit remotely?	Yes, Online Deposits can be managed through the bank’s online banking system, enabling remote deposit management without needing a paper form.
Do we need to prove ongoing profitable business?	Yes, the business must demonstrate ongoing profitability.
Bond start-up finance	Yes, we finance clients at initial bond placements.
what if i pay less than required	If you pay less than the minimum required amount, your grace period will end, and interest will be charged on the entire debt.
How fast can I get a card made in a branch?	You can receive an unnamed card directly at a branch in ten minutes without a prior order.
LPN program borrower?	The borrower is Joint Stock Company “ALFA-BANK” (Alfa-Bank).
How can I receive the One-Time Password for my Alfa-Bank Mobile Bank transactions?	The One-Time Password is sent to your mobile phone number via SMS or Push notification.
Turn on SMS alerts	Activate SMS notifications via the app or Alfa-Online.
Use debit card for purchases	Yes, a debit card can be used to pay for purchases wherever it is accepted.
My loan closed automatically. Why did I get an SMS?	The SMS confirms your loan has been fully repaid, and the agreement has been closed automatically by Alfa-Bank.
what if the bank faces legal action?	Bank legal actions may impact product availability; monitor official statements and consult your advisor in such scenarios.
I need the account number for Chinese Yuan payments.	For payments in Chinese Yuan (CNY), the correspondent account number is 30109156600000000069, held with BANK OF CHINA (RUSSIA) located at Pr-t Mira 72, Moscow, 129110.
Margin trading forex forex	Margin trading includes forex and leveraged forex positions.
Do quasi-cash transactions have fees?	Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers.
When does my credit card grace period start again after I pay off my balance?	The grace period resets during the day after you fully repay your debt.
Non-commercial app use required	Yes, the Mobile Bank can only be used for non-commercial purposes.
What packages exclude quasi-cash charges?	The fee is excluded for the Maximum Ultra, Maximum Free, Maximum Ultra Free, Premium, A-Club packages, and the Maximum+ package for personalized cards.
Who is responsible for data processing in your bank?	A person has been appointed to organize personal data processing and ensure adherence to legal and policy requirements.
Can I create a flexible payment schedule for the lease?	Yes, payment schedules can be tailored to fit the Client’s requirements.
What is an SBP transfer?	An SBP (Fast Payment System) transfer is a phone number-based transfer to a card of any Russian bank, with the money credited instantly and no commission charged, even for transfers exceeding 100,000 ₽ per month.
need secure cash deposit solution	Cash Collection offers a safe and straightforward way to transfer income into your bank account.
what if my payment needs usd conversion	You can route the payment with conversion to USD via Alfa-Bank’s supported FX services.
Can I have a 0% down payment for the leased vehicle?	Yes, the down payment can start from 0%.
Is there free cashier withdrawal?	No, cashier withdrawals always incur a fee. Fee-free cash can only be withdrawn via ATMs.
How can I get a certificate for my debit card?	You can obtain a certificate via the mobile app or Alfa-Online: go to the Card account section and select "Certificates and statements." A PDF certificate with a signature and blue seal will be sent to your email and stored in the app or online banking.
What if I don’t fly for two years?	If you do not fly with Aeroflot, Nordavia, or SkyTeam airlines for two calendar years, all accumulated miles will expire.
I have an issue with the privacy policy	Send an inquiry via the bank’s online feedback form, ensuring the subject line states "Privacy Policy."
What starts a new grace period after paying off my balance?	A new grace period begins on the date of your next qualifying transaction after full repayment.
Stateless person residency Russia	A residence permit in the Russian Federation is required for permanent residence.
Does Mir Pay work outside Russia?	Yes, in Armenia, Kyrgyzstan, and Kazakhstan, where Mir cards are accepted in local banks.
Do you monitor security measures for personal data?	Yes, we continuously monitor the security measures in place for personal data protection to ensure their effectiveness and compliance.
is alfa-bank’s chinese rating good or bad	Alfa-Bank has a AA- rating in China, which is generally considered a strong credit rating.
What is SBP payment	SBP is Russia's Fast Payment System using phone numbers to send money instantly to any bank.
Do I need a Russian depository to receive LPN payments?	Yes, LPN payments are made through Russian depositories for noteholders whose rights are registered in the Russian clearing system.
Remote banking access for private clients	Private clients can use Alfa Private’s remote banking features, such as telephone banking and a specialized mobile app, to manage their accounts.
Margin trading for commodities?	Yes, margin trading covers a wide range of underlying assets, including commodities.
What documents are accepted for stateless persons to prove identity?	A document issued by a foreign state recognized via an international treaty of the Russian Federation, a temporary residence permit, a residence permit, or other documents specified by federal laws or international treaties as stateless person identity documents.
cashback not applied even after clicking partner link	Double-check if you’re in a valid city or region for the offer. Cashback only applies to purchases meeting all conditions.
Who can use Alfa-Bank’s factoring platform?	The platform is for clients engaging in supply chain transactions, as it supports electronic document flow and instant financing.
Why choose indexed deposits over regular deposits?	Indexed deposits offer higher interest income potential compared to classic deposits, especially when anticipating changes in the underlying asset’s performance.
What happens after I sign the agreement?	After signing, you’ll receive a free debit card (if applicable), and the loan amount will be credited to your account. You can then withdraw cash, transfer money, or make purchases.
how to get deferred payments for a loan?	We offered loan deferments during the pandemic—reach out to us directly to discuss your options.
Can I get a stamped statement?	Yes, a PDF certificate with a signature and blue seal will be available in your app/online banking and sent to your email.
I need to block my card quickly	You can instantly block your card through the Alfa-Bank app or Alfa-Online if it’s lost or stolen.
apply for insurance without visiting branch	Within the Alfa-Bank app, you can apply for insurance, loans, or open an investment account—all remotely without needing to visit a branch.
what about custom hedging solutions	Alfa-Bank tailors hedging solutions to client needs with flexible structures.
why didn’t i get a notification about the quasi-cash fee when i paid?	The bank calculates the fee after the transaction based on the seller’s MCC code, so no real-time notification is sent.
Card pickup address wrong	Correct your pickup address in the app, Alfa-Online, or by calling customer support.
Margin trading forex forex	Margin trading allows leveraged forex positions in major currencies.
do you require third parties to follow data protection rules?	Yes. Any third party handling your data must comply with legally established data processing principles, confidentiality obligations, and security measures as stipulated in our contracts.
no fee for family card	The Debit Alfa-Card is free to issue and maintain, with no fees for families.
card replacement fee	Reissuing a new card costs 290 ₽, unless you’re subscribed to the Premium tariff, which waives the fee.
Why no interest payments on my loan?	Alfa-Bank cannot make scheduled interest payments because it has not received the required Specific Licence from OFSI or General Licence from OFAC.
processing data of suppliers’ employees	Yes, the bank processes data of employees from suppliers and partners under contractual relations.
what’s required for 280k loan with no alfa-bank card?	Only a Russian passport is needed. No income documents are required for loans up to 300,000 ₽.
How to start the leasing process	Select the desired asset (e.g., vehicle or equipment), and Alfa-Bank will manage the deal with all parties under a “one entry point” system.
foreign exchange solutions for companies?	Alfa-Bank offers forward and cash FOREX transactions, settlement optimizations, and strategies to mitigate costs and risks for businesses involved in international trade.
How does Alfa-Bank maintain its leadership in RUB FX markets?	The bank consistently ranks #1 as a RUB FX spot market-maker in Bloomberg FXGO (2019–2020) and held the #1 position in the CEEMEA region in Euromoney ratings from 2016–2018, becoming the only Russian bank in the global Top-30.
Margin trading forex forex	Margin trading allows forex trading with leveraged positions.
my payment went at 5:15 pm. is it processed same day	If it’s an electronic payment, submitting at 5:15pm will not qualify for same-day processing.
get transaction statements	Transaction statements and account balance certificates are available directly in the app.
code associated with my phone	Yes, the Code is linked exclusively to your Mobile Device and cannot be used on other devices.
sign docs but not sure to pay?	You must not sign the loan agreement or any other bank documents unless you are certain you can meet the required payments and obligations.
If I’m not a client but visit the bank website, are my data processed?	Yes, website and mobile app users’ personal data are processed.
if i take two cash loans in a month how does that affect my limit	If you take out two cash loans in one month, the limit is increased only by the amount of the first loan.
Reports location	All reports are available at alfabank.ru (for Russian) and alfabank.ru/en/ (for English).
can i get interest rate swaps for my business	Yes, Alfa-Bank offers interest-rate swaps as one of its derivative products.
i need to send a book transfer on a holiday. is there a time limit	On weekends and holidays, book transfers must be submitted by 6pm Moscow time.
Why choose Alfa-Bank for payments?	The bank’s widespread correspondent network ensures real-time cross-regional payments.
cashback delay	Cashback is credited on the 10th of each month after meeting all requirements.
What role does Bank of Russia have in debt servicing?	The Bank of Russia contributes through its Board Decisions and official clarifications, which are part of the legal framework governing debt under Loans and LPNs.
Asset and liability side products?	Structured finance products from Alfa-Bank address both asset and liability side situations using hybrid strategies.
How does the card function after ordering?	The card is issued immediately. You can transfer money in the app or pay online the same day.
how to split a bill via Alfa app	Use your app to send a link to friends or colleagues for splitting a restaurant bill or sharing the cost of a gift. All you need to do is create the shared payment and share the link.
Debit vs credit card	A debit card uses your own funds and does not let you borrow money, while a credit card offers a borrowing limit that you must pay back later.
Can I change my PIN code?	Yes, you can independently set and update your PIN code in accordance with the Card Issuance Agreement.

For how long does a cash loan increase my limit

The cash withdrawal limit is increased by the loan amount for 30 calendar days after taking out a cash loan or refinancing.

no app needed?

Alfa-Online works directly as a mobile banking site on smartphones without requiring you to download the app.

help with activities in russia via alfa-bank?

Alfa-Bank offers full assistance for any issues related to your operations in Russia.

What does the Electronic Log include?

The Electronic Log includes all checks and actions taken by the User and the Bank according to the Agreement.

registration not completed yet. am i considered a user?

No, completing the Registration procedure is a mandatory requirement to be classified as a User of the Mobile Bank.

Need info on factoring with electronic documentation

Alfa-Bank offers online factoring via a high-tech platform. It uses electronic document flow and e-signature, allowing suppliers and debtors to process transactions and receive financing within hours.

Need in Russian

You can request a certificate in Russian through the mobile app or Alfa-Online.

Can I use a foreign document as ID if I’m a stateless person?

Yes, a document issued by a foreign state and recognized under an international treaty of the Russian Federation can be used as an identity document for a stateless person.

Do shareholders and company visitors have their data processed?

Yes, shareholders and visitors to the bank are included in the categories whose personal data is processed.

Favorable rate?

The interest rate is boosted and higher than the rate on classic deposits.

How long does it take to fully close my account?

The account will be fully closed in 45 days after the closure request is initiated.

what if i need animal care guidance?

Use the Alfa-Friend Telegram bot for expert advice and step-by-step instructions on caring for animals.

Your data protection steps

We identify threats, apply legal security measures, use certified tools, evaluate effectiveness, track physical media, detect breaches, recover data, control access, log actions, and monitor security continuously.

Use card token for payments

Yes, you can perform an Expense Operation using the Card Token.

Leasing vehicles currency options

You can lease vehicles in RUR, USD, or EUR.

Does your bank do valuation for IPO transactions?

Yes, we perform business valuation specifically for the purposes of the transaction during IPO/SPO.

How can I repay my cash loan early?

You can repay your loan early in the mobile app by navigating to **Your loan account → Repay early**.

when cashback for october?

Cashback for October purchases will be credited on November 10.

Already have a card

If you already have an Alfa-Card, we’ll link the loan to it and credit the funds to your existing account. No new card is needed.

Leasing for profitable business only

Yes, the applicant must have an ongoing profitable business.

What’s the max credit period for imports?

The maximum credit period for ECA-backed equipment imports is ten years.

Debit card payment system?

Alfa-Bank issues Mir cards. Verify your card’s payment system through the mobile app, Alfa-Online, or the website.

Can I avoid quasi-cash fees?

Quasi-cash transactions may involve commissions. To avoid fees, avoid using your card for services like casinos, crypto exchanges, or bookmakers.

do you accept foreign banks for correspondent accounts?

Yes, over 400 banks and non-banking credit institutions from abroad maintain correspondent accounts with Alfa-Bank.

Can I open a deposit remotely?

Yes, Online Deposits can be managed through the bank’s online banking system, enabling remote deposit management without needing a paper form.

Do we need to prove ongoing profitable business?

Yes, the business must demonstrate ongoing profitability.

Bond start-up finance

Yes, we finance clients at initial bond placements.

what if i pay less than required

If you pay less than the minimum required amount, your grace period will end, and interest will be charged on the entire debt.

How fast can I get a card made in a branch?

You can receive an unnamed card directly at a branch in ten minutes without a prior order.

LPN program borrower?

The borrower is Joint Stock Company “ALFA-BANK” (Alfa-Bank).

How can I receive the One-Time Password for my Alfa-Bank Mobile Bank transactions?

The One-Time Password is sent to your mobile phone number via SMS or Push notification.

Turn on SMS alerts

Activate SMS notifications via the app or Alfa-Online.

Use debit card for purchases

Yes, a debit card can be used to pay for purchases wherever it is accepted.

My loan closed automatically. Why did I get an SMS?

The SMS confirms your loan has been fully repaid, and the agreement has been closed automatically by Alfa-Bank.

what if the bank faces legal action?

Bank legal actions may impact product availability; monitor official statements and consult your advisor in such scenarios.

I need the account number for Chinese Yuan payments.

For payments in Chinese Yuan (CNY), the correspondent account number is 30109156600000000069, held with BANK OF CHINA (RUSSIA) located at Pr-t Mira 72, Moscow, 129110.

Margin trading forex forex

Margin trading includes forex and leveraged forex positions.

Do quasi-cash transactions have fees?

Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers.

When does my credit card grace period start again after I pay off my balance?

The grace period resets during the day after you fully repay your debt.

Non-commercial app use required

Yes, the Mobile Bank can only be used for non-commercial purposes.

What packages exclude quasi-cash charges?

The fee is excluded for the Maximum Ultra, Maximum Free, Maximum Ultra Free, Premium, A-Club packages, and the Maximum+ package for personalized cards.

Who is responsible for data processing in your bank?

A person has been appointed to organize personal data processing and ensure adherence to legal and policy requirements.

Can I create a flexible payment schedule for the lease?

Yes, payment schedules can be tailored to fit the Client’s requirements.

What is an SBP transfer?

An SBP (Fast Payment System) transfer is a phone number-based transfer to a card of any Russian bank, with the money credited instantly and no commission charged, even for transfers exceeding 100,000 ₽ per month.

need secure cash deposit solution

Cash Collection offers a safe and straightforward way to transfer income into your bank account.

what if my payment needs usd conversion

You can route the payment with conversion to USD via Alfa-Bank’s supported FX services.

Can I have a 0% down payment for the leased vehicle?

Yes, the down payment can start from 0%.

Is there free cashier withdrawal?

No, cashier withdrawals always incur a fee. Fee-free cash can only be withdrawn via ATMs.

How can I get a certificate for my debit card?

You can obtain a certificate via the mobile app or Alfa-Online: go to the Card account section and select "Certificates and statements." A PDF certificate with a signature and blue seal will be sent to your email and stored in the app or online banking.

What if I don’t fly for two years?

If you do not fly with Aeroflot, Nordavia, or SkyTeam airlines for two calendar years, all accumulated miles will expire.

I have an issue with the privacy policy

Send an inquiry via the bank’s online feedback form, ensuring the subject line states "Privacy Policy."

What starts a new grace period after paying off my balance?

A new grace period begins on the date of your next qualifying transaction after full repayment.

Stateless person residency Russia

A residence permit in the Russian Federation is required for permanent residence.

Does Mir Pay work outside Russia?

Yes, in Armenia, Kyrgyzstan, and Kazakhstan, where Mir cards are accepted in local banks.

Do you monitor security measures for personal data?

Yes, we continuously monitor the security measures in place for personal data protection to ensure their effectiveness and compliance.

is alfa-bank’s chinese rating good or bad

Alfa-Bank has a AA- rating in China, which is generally considered a strong credit rating.

What is SBP payment

SBP is Russia's Fast Payment System using phone numbers to send money instantly to any bank.

Do I need a Russian depository to receive LPN payments?

Yes, LPN payments are made through Russian depositories for noteholders whose rights are registered in the Russian clearing system.

Remote banking access for private clients

Private clients can use Alfa Private’s remote banking features, such as telephone banking and a specialized mobile app, to manage their accounts.

Margin trading for commodities?

Yes, margin trading covers a wide range of underlying assets, including commodities.

What documents are accepted for stateless persons to prove identity?

A document issued by a foreign state recognized via an international treaty of the Russian Federation, a temporary residence permit, a residence permit, or other documents specified by federal laws or international treaties as stateless person identity documents.

cashback not applied even after clicking partner link

Double-check if you’re in a valid city or region for the offer. Cashback only applies to purchases meeting all conditions.

Who can use Alfa-Bank’s factoring platform?

The platform is for clients engaging in supply chain transactions, as it supports electronic document flow and instant financing.

Why choose indexed deposits over regular deposits?

Indexed deposits offer higher interest income potential compared to classic deposits, especially when anticipating changes in the underlying asset’s performance.

What happens after I sign the agreement?

After signing, you’ll receive a free debit card (if applicable), and the loan amount will be credited to your account. You can then withdraw cash, transfer money, or make purchases.

how to get deferred payments for a loan?

We offered loan deferments during the pandemic—reach out to us directly to discuss your options.

Can I get a stamped statement?

Yes, a PDF certificate with a signature and blue seal will be available in your app/online banking and sent to your email.

I need to block my card quickly

You can instantly block your card through the Alfa-Bank app or Alfa-Online if it’s lost or stolen.

apply for insurance without visiting branch

Within the Alfa-Bank app, you can apply for insurance, loans, or open an investment account—all remotely without needing to visit a branch.

what about custom hedging solutions

Alfa-Bank tailors hedging solutions to client needs with flexible structures.

why didn’t i get a notification about the quasi-cash fee when i paid?

The bank calculates the fee after the transaction based on the seller’s MCC code, so no real-time notification is sent.

Card pickup address wrong

Correct your pickup address in the app, Alfa-Online, or by calling customer support.

Margin trading forex forex

Margin trading allows leveraged forex positions in major currencies.

do you require third parties to follow data protection rules?

Yes. Any third party handling your data must comply with legally established data processing principles, confidentiality obligations, and security measures as stipulated in our contracts.

no fee for family card

The Debit Alfa-Card is free to issue and maintain, with no fees for families.

card replacement fee

Reissuing a new card costs 290 ₽, unless you’re subscribed to the Premium tariff, which waives the fee.

Why no interest payments on my loan?

Alfa-Bank cannot make scheduled interest payments because it has not received the required Specific Licence from OFSI or General Licence from OFAC.

processing data of suppliers’ employees

Yes, the bank processes data of employees from suppliers and partners under contractual relations.

what’s required for 280k loan with no alfa-bank card?

Only a Russian passport is needed. No income documents are required for loans up to 300,000 ₽.

How to start the leasing process

Select the desired asset (e.g., vehicle or equipment), and Alfa-Bank will manage the deal with all parties under a “one entry point” system.

foreign exchange solutions for companies?

Alfa-Bank offers forward and cash FOREX transactions, settlement optimizations, and strategies to mitigate costs and risks for businesses involved in international trade.

How does Alfa-Bank maintain its leadership in RUB FX markets?

The bank consistently ranks #1 as a RUB FX spot market-maker in Bloomberg FXGO (2019–2020) and held the #1 position in the CEEMEA region in Euromoney ratings from 2016–2018, becoming the only Russian bank in the global Top-30.

Margin trading forex forex

Margin trading allows forex trading with leveraged positions.

my payment went at 5:15 pm. is it processed same day

If it’s an electronic payment, submitting at 5:15pm will not qualify for same-day processing.

get transaction statements

Transaction statements and account balance certificates are available directly in the app.

code associated with my phone

Yes, the Code is linked exclusively to your Mobile Device and cannot be used on other devices.

sign docs but not sure to pay?

You must not sign the loan agreement or any other bank documents unless you are certain you can meet the required payments and obligations.

If I’m not a client but visit the bank website, are my data processed?

Yes, website and mobile app users’ personal data are processed.

if i take two cash loans in a month how does that affect my limit

If you take out two cash loans in one month, the limit is increased only by the amount of the first loan.

Reports location

All reports are available at alfabank.ru (for Russian) and alfabank.ru/en/ (for English).

can i get interest rate swaps for my business

Yes, Alfa-Bank offers interest-rate swaps as one of its derivative products.

i need to send a book transfer on a holiday. is there a time limit

On weekends and holidays, book transfers must be submitted by 6pm Moscow time.

Why choose Alfa-Bank for payments?

The bank’s widespread correspondent network ensures real-time cross-regional payments.

cashback delay

Cashback is credited on the 10th of each month after meeting all requirements.

What role does Bank of Russia have in debt servicing?

The Bank of Russia contributes through its Board Decisions and official clarifications, which are part of the legal framework governing debt under Loans and LPNs.

Asset and liability side products?

Structured finance products from Alfa-Bank address both asset and liability side situations using hybrid strategies.

How does the card function after ordering?

The card is issued immediately. You can transfer money in the app or pay online the same day.

how to split a bill via Alfa app

Use your app to send a link to friends or colleagues for splitting a restaurant bill or sharing the cost of a gift. All you need to do is create the shared payment and share the link.

Debit vs credit card

A debit card uses your own funds and does not let you borrow money, while a credit card offers a borrowing limit that you must pay back later.

Can I change my PIN code?

Yes, you can independently set and update your PIN code in accordance with the Card Issuance Agreement.