Business Line gives you many advantages:

• Simple, flexible and secure access to your account for anywhere – simply call the Bank’s Client Line from your landline or mobile telephone and have ready your security token for secure identification (entry) and “signing” of active transactions.
• A wide offer of banking services that you can manage by telephone (e.g. debit and credit cards, securities, domestic and foreign payment systems, managing extra cash, etc.).

Lower-cost and more effective management of finances

• Savings on fees – substantial price advantage for transactions executed through direct banking compared with transactions made at a branch.
• Time savings – no personal visits to the Bank, no settling matters at a cash desk.
• The highest level of security defined as a group security standard, i.e. based on the knowledge and experience of international security experts from UniCredit Group who are constantly monitoring and analysing the latest trends in this field.

Integration with other direct banking products

• Business Line uses the same security method as does internet banking (Online Banking, BusinessNet) and has the same range of services and functions.
• Uniform identification during calls to the Bank, i.e. you can use your security token for your identification when calling the Client Line for all other products in the Bank (e.g. accounts, cards).

Business Line is a simple and secure method of managing finances via the Client Line, 800 122 221, where telephone bankers are at your disposal every day from 7 a.m. to 10 p.m. . By calling from a mobile phone or landline with touchtone dialling , you have information on account balances and transactions histories available 24 hours a day . It is up to you where you want to manage your finances - whether form the comfort of your home, from your office or from another location anywhere in the world .

This product offers you a wide range of services and functions that we divided into:

Passive operations:

• Summary of accounts and balances (including overdrafts) and history of accounts’ transactions – 15 months retrospectively
• Summary of debit and credit cards (including details from account statements) and history of card transactions – 15 months retrospectively
• Summary and history of securities (including up-to-date valuation of a securities portfolio) – 15 months retrospectively
• Option of requesting the operator to save templates for domestic and foreign payments or for beneficiaries (for frequently recurring payments)
• Up-to-date lists of exchange rates and interest rates
• Sending information service, i.e. option to set up automatic delivery of banking information to your e‑mail (e.g. information on balances or movements in the account)
• Requesting Setup service from the operator, i.e. option to personalise the product (you can choose your preferred account, which is always displayed first in payments, a preferred card, etc.)

Active operations:

Domestic payments

• Domestic payments in CZK (standard/express)
• Collection orders in CZK
• Transfers between client’s own CZK accounts
• Card Repayment, i.e. a domestic payment with predefined details for the regular payment on a credit card issued by UniCredit Bank
• Standing order in CZK (setting up/changing/cancelling)
  • Transfer of a fixed amount
  • Transfer of an above-limit balance (i.e. you choose a limit and all funds exceeding it are Regularly transferred to the beneficiary’s chosen account)
• Direct debit authorisation (setting up/changing/cancelling)
• SIPO payment (setting up/changing/cancelling)
• Option of cancelling a payment with future payment date (i.e. if not yet posted)
  

Foreign payment system

• Standard payments abroad
• Europayments (parameters predefined by the application for payments within the EU)
• Conversions between client’s own accounts
• Payments in a foreign currency within the Czech Republic
• Payments by cheque abroad or within the Czech Republic
• Standing foreign payment order (setting up/changing/cancelling)
  • Transfer of a fixed amount
  • Transfer of an above-limit balance (i.e. you choose your limit and all funds exceeding it are regularly transferred to the beneficiary’s chosen account)
    

  Term deposits

  (setting up/changing or cancelling only for rollover term deposits)
  • One-time, i.e. for a fixed period without further rollover (it cannot be changed or cancelled)
  • Rollover, i.e. an automatically renewing term deposit (the date of termination can be entered)
    • Term deposits with a fixed amount (with interest = capitalised, without interest = non‑capitalised)
    • Term deposits from an above-limit balance (i.e. you choose the limit in your current account and all funds exceeding the limit automatically become interest-bearing thereafter)

    Option for individual settings by user:

    As the account owner, you are able to:

    • limit active access to the account (i.e. a user can obtain only passive information about the account/card/security but cannot execute any payments);
    • limit payments in the Czech Republic, abroad, or both; and
    • limit payments made by an individual user to only those beneficiaries in a list defined by the account owner.

    For more information, please see the List of Services and Parameters – Business Line.

    Technical parameters:

    • a landline telephone (with touchtone dialling for using the automated IVR voice responder system), or
    • a mobile telephone

The Bank place the highest emphasis on the security of direct banking products, defined as the group security standard for UniCredit Group.

Security Token

• One of the highest security standards available today – the security token generates a unique (new) security code with each use.
• It provides secure login of the user to the application (authentication). The Bank will assign you a user number at a cash desk, and the security token generates your security code.
• It provides for securely sending active transactions to the Bank – the so-called "signing" (authorization) of transactions.
• It is used for user verification when calling the Call Centre using the Client Line.

How to use the security token

• Use of the security token is protected by a PIN known only to you. After it is entered, the display will automatically show the security code.

Other security features

• Daily or single-transaction user limits for operations performed through telephone banking (thus not allowing payments above the determined limit)

Are you interested in this product? Choose the way of contacting us that suits you the best.

	On-line Write us at any time. Use our contact form.
	At branch Book an appointment at your nearest branch.
	By telephone We are available to you at our toll-free line 800 144 441 (7 days a week 7 a.m. –  10 p.m.)

Conditions for providing the Business Line product include having a current account maintained in UniCredit Bank, concluding the Contract for Using Direct Banking Products, and drawing up an Order to Set Up Direct Banking Products.

The easiest and lowest-cost way to obtain direct banking products is through our business account packages.

Choose from our wide offer of account packages and you will receive FREE maintenance of one or more direct banking products, including several free bank notifications or transactions per month.

Business packages:

• BUSINESS Konto 20
• BUSINESS Konto 70
• BUSINESS Konto Exklusive
• Konto PROFESE
• Konto DOMOV

You can obtain these products at any UniCredit Bank business location.