The invention relates to a document of value, in particular a credit card, identity card or ticket, and to a transfer film for the production of a document of value. The latter has on one of its surfaces a security element (2), which has a magnetic layer (25) for storing machine-readable information and a reflective, non-magnetizable metal layer (23). The metal layer is arranged above the magnetic layer (25) in relation to the surface of the document of value. The metal layer and the magnetic layer overlap, at least in some regions. The region of the metal layer (23) that overlaps the magnetic layer (25) is subdivided into at least two regions (231) isolated electrically from one another.