• Modern, simple, flexible and secure access to your account anywhere and anytime with no installation whatsoever – all you need is a standard computer with internet connection and a security token to protect both your login to the application as well as the “signing” of active transactions.
• A wide offer of banking services that you can conveniently and effectively manage via the internet (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 saving 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
  • Online Banking uses the same security method as does telephone banking Telebanking, Business Line) 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).

Online Banking is a modern internet banking system enabling you to conveniently and securely manage your finances via the internet. All you need is a standard computer with internet connection and a security token to protect not only your login to the application but also the “signing” of active transactions

You need not install any additional applications, and it is up to you where you want to manage your finances – whether from the comfort of your home, from your office, or from your notebook while travelling around 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 account's 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
• possibility to save templates for both domestic and foreign payments payments or for beneficiaries (for frequently recurring payments)
• Up-to-date lists of exchange-rate 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)
• Incoming/outgoing mail service, i.e. option to safely communicate with the Bank through the internet banking application (including to send attachments)
• My menu service, i.e. option to create and change one’s own menu for working in the application
• Setup service, 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 payment system

  • domestic payment in CZK (standard / expres )
  • collection order in CZK
  • transfers between client’s own CZK accounts
  • „Card Payment“ ”, 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 payment abroad
  • Europayment (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 a limit and all funds exceeding it are regularly transferred to the beneficiary’s chosen account)

• Term deposits

  (setting up/changing for rollover term deposits/cancelling)
  • 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 a limit in your current account and all funds exceeding the limit automatically become interest-bearing thereafter)

on-line application for other products & services – INNOVATION !!!

Apply for other services offered by the Bank from the comfort of your home.

• UniCredit Bank credit card
• mortgage loan
• consumer loan
• additional services to cards (travel insurance, insurance against the card abuse, credit risk insurance and Golf Package)
• change in a way of paying the credit card
• termination of the savings account

You will be informed about the result of your application by a message in the application or your personal banker will contact you.

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
• limit payments made by an individual user to only those beneficiaries in a list defined by the account owner

For more details, please see the List of Services and Parameters – Online Banking

Recommended technical parameters

• Operational systems: MS Windows 2000, XP, Vista, 7, Mac OS X 10.5 and higher*
• Internet browsers: Microsoft Internet Explorer version 6, and higher, (support for version 6 will be closed on 16.6.2010) Firefox 3 and higher, Google Chrome 4.0 and higher, Safari 3.0 and higher
• Others: Adobe Acrobat Reader 6.0 and higher (for printing in the PDF format)

*only with Safari 3.0 and higher

In case of other than recommended operational systems and browsers the Bank cannot guarantee the correct functioning of the Online Banking application

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

SECURITY TOKEN - “strong security you can hold in your purse“

• One of the highest security standards available today – the security token 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 the client. After it is entered, the display will automatically show the security code.

MOBILE TOKEN (SMS)

• a mobile token is another possible security when unique security codes are sent in the form of an SMS to your mobile phone,
• it provides a higher security standard than a token. The security code also contains information with the details of your login, transaction, or the number of transactions

OTHER SECURITY FEATURES

• Daily or single-transaction user limits for operations performed through telephone banking (thus not allowing payments above the determined limit)
• Encryption of data communication – secures data during transmission

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

	On-line Write us at any time. Use our contact form.
	By telephone We are at your disposal on our toll-free line 800 144 441 (7 days a week 7:00 – 22:00).
	At branch Schedule an appointment at your nearest branch.

Conditions for providing the Online Banking 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 personal and 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.

Personal packages:

• Konto POHODA
• Konto MOZAIKA
• Konto KOMPLET
• Konto EXKLUSIVE
• Konto Student

Business packages:

• BUSINESS Konto
• Konto PROFESE
• Konto DOMOV