Online Banking tutorial

Do you want to find out more about New Online Banking functionalities? Look at short video tutorials and frequently asked questions below.


The basic overview of all products is displayed on the welcome screen immediately after you log in. Information about individual products can be easily accessed either through the product tab or through navigation based on the product type on the main navigation bar.

Your credit card, mortgage or consumer loan application can be found in the Borrowing tab on the main bar (or in the left product column termed "Liabilities"). Your current accounts and the corresponding debit cards can be viewed under the Banking tab (or in the "Liquidity" product column). You may find your savings accounts, term deposits or securities accounts under the Investing tab (or in the right "Savings" product column).

Click the product tab to open the product details, history and other options such as account statement or change request or settings.

For more information, refer to "Product Overview".


All payments, whether domestic or foreign, or standing orders, can now be found in one place under the Pay button/menu on the main navigation bar.

Payment (domestic and foreign) – select if you wish to make a domestic or foreign payment.

Pending Payments – contains payments waiting for your signature (i.e. for your approval) as well as the already approved payments which have not been remitted from the bank yet. To display payments to be signed, simply click the $ icon.

Standing Orders – contains a list of valid standing orders and the option to create a new one.

Direct Debits – contains a list of direct debits and the option to create a new one.

Order Archive – contains orders signed in the past 15 days.

Beneficiaries and Templates – contains the actual list of beneficiaries and templates and also offers an option to set up and manage new beneficiary.


For more information, e.g. a detailed description of how to make a payment, refer to "How to pay".

Personal Finance Manager

All your expenses are automatically summed up in categories and displayed in graphs. If you prefer to have a good grasp of how much you spend and for what, the Personal Finance Manager is the right featurefor you. Of course, you may re-categorise your payments as you wish, put it under a sub-category to make it more specific, or divide the payment in several categories to have full control over your expenses every month! Learn more in the Personal Finance Manager chapter.

My Goals

A smart function which will help you save money up for your goals. All you need is to have a savings account and know how much you need to save up and until when. If you don't have a savings account, you may apply for it through the Online Banking system.
Learn more in the My Goals chapter.

Other options

The tab to display the MESSAGES we sent you or you sent us is in the upper right corner. Use the SETTINGS button to set your contacts and information messages (notifications). You may set the Personal Finance Manager under the SETTINGS tab as well.
If your user profile also includes accounts of other clients, you may manage the accounts displayed under the PRODUCT/CLIENT tab.


The applications filed via the Online Banking system are newly to be found under the relevant products' tabs. E.g. when you open the current account detail, you will find there all applications relating to both the account and the debit cards. Are you looking for an account statement? It is in the ACCOUNT SERVICES section. Or have you not activated your Online Banking key yet? Simply apply for it in the MOBILE SERVICES section.

Did not find the answer you were looking for? Fill out the contact form and we will call you.


Pay (a universal payment button) in the new Online Banking system. You do not need to choose the payment type anymore. The Pay option will help you make the domestic and foreign payments or top up your mobile - just enter the account details, the amount and currency, and the Pay functionality will recognize the payment order type. Then you may fill out the optional data if the payee's bank or the payee require it for identification purposes (e.g. variable code, message for the payee etc.), and you sign the order, that is you enter the authorisation code.

Domestic Payment

Single domestic payment - step 1

All single payments can be made easily in few steps using the Pay button or by clicking the arrow next to it and selecting the Payment & Transfers option. The payment order form pops up.

Your current account in Czech Korunas is automatically pre-set. If you wish to change it, click the arrow at the end of the "From Account".

Enter the payee's account number (including the bank code) or the phone number if you wish to top up in the "To Account" field.

For domestic payments enter the account number in the prefix-account number/bank code format, e.g. 123456−1234567890/0100. If there is no prefix, enter the account number in the following format: 1234567890/2700. If you have already made any payment to that account in the Online Banking or had saved the payee before, start entering the payee's/template's name and Online Banking will automatically populate the empty fields. Click Create a new Payee… to confirm the payee's account.




Single domestic payment - step 2

Fill out the payee's name and amount in the next step.

The Beneficiary's name is now a mandatory field. For domestic payments, you may add your own name that you wish to allocate to the beneficiary for future purposes - e.g. Day Care, Granny, Thomas, etc. Online Banking automatically remembers the data entered and if you make a payment to the same payee in future again, you only have to start typing the payee's name (e.g. Thom...) or the account number and Online Banking will automatically fill the details instead of you.












Single domestic payment - step 3

Now you may fill out all other optional data of the payment such as the variable code, constant code, specific code, information for the payee and for you. You may also create a new template for frequently made payments (so-called FAST Pay). If you do not plan to enter another payment, continue by clicking the Confirm button to sign (authorise) the payment. Otherwise, click the "Make a new payment" button.


























Single domestic payment - last step: Payment confirmation

In order to confirm the payment, enter the authorisation code, whether from the Online Banking key, SMS or token, in the relevant field and click the "Confirm" button.

If you find any discrepancy, you may edit it or delete the payment with the EDIT option (EDIT/DELETE).

Tip: If you wish to make multiple payments, you may sign (confirm) all payments at a time after you enter the last payment. In such event, click the "Make a new payment" button and enter the details of another payment. When you enter the last payment, click the "Confirm" button to sign all payments at a time entering one authorisation code

Foreign Payment

Step 1

Platba do zahraničí

As in the domestic payment, start by clicking the Pay button. Select the account from which the payment should be made. Enter the account number in the payee field - either in a classical format or in the IBAN format which always starts with letters.

Online Banking will recognize the payment as an foreign payment based on the account number and will then display further details of the payment for you to fill out. If uncertain whether the payment is domestic or foreign (e.g. payment in a currency other than CZK), Online Banking will offer you the option to select a domestic or foreign payment. You may then fill out the data depending on the payment type (e.g. BIC/SWIFT code) and other particulars.
NOTE! The beneficiary's name is a mandatory field for foreign payments as well; however, in case of foreign payments you will have to enter the actual name of the beneficiary's account in this field - always fill out that beneficiary's name which you have received from the holder of the account to which the payment is to be sent to. Continue in the same manner as in the domestic payment.

Note: BIC/SWIFT code is an eight or eleven-digit code identifying the beneficiary's bank which you normally receive from the payee. E.g. the UNCR SK BX code is used as an international payment identifier for UniCredit Bank in Slovakia.








Step 2 and 3

SEPA Platba

In the step 2 you see the payment type selected by Online Banking (e.g. SEPA payment, standard foreign payment, etc.). The most important fields filled out most frequently are displayed for each payment type. The remaining fields which are optional can be displayed after selecting Show more option above the Confirm button. The example below shows a SEPA payment with basic data.

Of course, you may set up a template for foreign payments as well in the second step. Foreign payments are then confirmed similarly as in domestic payments above.

We would like to inform you that you can now see an estimated equivalent amount in foreign currency and estimated fees in the Online Banking / BusinessNet before the currency conversion. This information is only displayed for new payments and may change at the time of booking. Therefore, for transactions already posted, you will not find this information in the transaction history.

Other options under the Pay functionality


Click the arrow next to the Pay button to display all payment types and other important information


Payment (domestic and foreign) – making a domestic or foreign payment.

Pending payments – payments waiting for your signature (i.e. for your approval) as well as the already approved payments which have not been remitted from the bank yet. . To display payments to be signed, simply click the $ icon.

Standing Orders – a list of valid standing orders and the option to create a new one

Direct Debits – a list of direct debits and the option to create a new one

Order Archive – Order Archive

Beneficiaries and Templates – list of beneficiaries and templates and an option to set up and manage beneficiaries


Pending Payments

Here, you will find the overview of all payments you have not signed yet or those which have already been signed but wait for the bank to process them. E.g. if you signed a payment you wish to remit on the day after tomorrow, you will find it here. You can recognize the payments which need to be signed by the $ icon. Click this icon to open the payment for your signature. If you want to delete any of the unprocessed payments, you will find this option in the Pending Payments menu.

Standing Orders and Direct Debits

The overview and management of the Standing Orders and Direct Debits which have already been set up and the option to create new ones are under the Standing Orders and Direct Debits tabs. As Pending Payments, also this option allows you to edit, delete or create new orders.

Order Archive

The Order Archive contains confirmed payments for the past 15 days with the option to display details of these payments. However, to take a look at the transactions on your accounts use the transaction history option available for every account you hold.

Beneficiaries and Templates

Templates and beneficiaries which you have saved can also be found under the Pay tab. Each entry allows you to display details or edit, change or delete it. A new beneficiary can be set up easily from the list of all beneficiaries. A new template can be set up when you enter a payment using the option in the second step - "Save this payment as a template".

Please note that you may enter any name you wish for the domestic payments in the beneficiary's name you want to use for future purposes - e.g. Day Care, Granny, Thomas, etc., but for foreign payments you have to enter the actual name of the account holder in this field, that is the name you receive from the holder of the account to which you want to send the payment.

How to Create a Standing Order

Standing Order Type

To enter a new standing order, just click the Create New button in the overview. First, select the Order Type. For normal domestic standing order in a specific fixed amount, select the first option (Domestic Standing Order - Normal). If you wish to transfer all the money in excess of a specific threshold, select the Domestic Standing Order Sweeping option. On the contrary, if you want to send money to your account to have a fixed amount available, select the Subsidy for Adjusted Balance option.





Standing Order

When you select the desired payment type for the standing order, all required fields are displayed immediately. The beneficiary, the start date and validity of the standing order, payment frequency, payment codes and the information for the payee or for you - all this data is entered on a single screen.


FAST Pay is the quickest payment method in Online Banking. They are frequently made payments you may set up from your templates by clicking the "Add new Fast pay" button and selecting out of the list of your templates.

When you click the selected FAST Pay payment, Online Banking pre-fills all payment details saved by you including the amount, payment codes, etc. Just a few clicks and the payment is made. Of course, all data can be edited as you wish.

Did not find the answer you were looking for? Fill out the contact form and we will call you.


Accounts, Cards and History

All your products are displayed as soon as you log in. Click the product tab to display its details and related applications.

You may also use the upper menu to access the information about individual products. E.g. in the Banking section, you will find the overview of all current accounts, debit cards and actual balances. If you are looking for your credit card, you will find it in the Borrowing section. Savings accounts, term deposits and securities accounts are available in the Investing section.

Overview of Current Accounts and Payment Cards

Click the current account field (the blue field in the figure above) to open the Banking section which contains the detail of the selected account and the allocated debit cards (refer to the next figure). The right part of the overview contains individual applications and other options related to the account. Do you want to display the account statement? Click the View statements option in the ACCOUNT SERVICES section. Don't have Smart Banking or want to try out the Online Banking key? Apply for activation in the MOBILE SERVICES section.

Close the account detail with the applications by clicking the Hide Details option.

Current Accounts - Account Transaction List

The transaction history is right under the account details. The search tool in the transactions history has been modified for you in the new Online Banking. The transactions are displayed for the past 30 days by default, but you can edit it or display by other parameters. The SHOW SEARCH option is in the upper-right corner. If you wish, the search results may be exported as a .csv format.

Besides export of a list of transactions to a .csv format, you may also generate a .pdf confirmation for every single transaction - just open the Transaction Details and click the "PRINT" icon.

The transaction history contains booked payments including the payee, payment category and status.
Click a specific payment to display the transaction detail. You may then split the payment in several categories or edit the category. You may now also add your own comments on all transactions.
The transaction history can be sorted by the date booked, by the amount, payee, or the status or category.

Did not find the answer you were looking for? Fill out the contact form and we will call you.


Budget Plan

The Personal Finance Manager also contains an overview of your expenses for each of the last twelve months and automatically sums them up in basic categories. These categories are displayed as colour bubbles, giving you a good grasp of your expenses. The categories and their names cannot be edited nor can you add new categories, but to make the categorisation of transactions more specific you may also use a wide range of sub-categories.

Budget Setting

You may set a monthly limit for each category of your expenses. Push the SET A BUDGET button in the main budget plan of the Personal Finance Manager. Then just use the scroll bar to select the target maximum amount. Once you save it, it instantly appears in the category in the main budget plan and the actual balance of the budget is calculated anew.

Meeting the Budget

Individual bubbles represent the basic categories of expenses and change depending on how the pre-set budget is met. The bubble located in the same-colour circle (to the left in the picture) means that the monthly limit pre-set for that category for the month has not been hit yet. An exceeded budget (to the right) is signalled by a light-colour edge of the bubble.

Category Details

Click each of the categories to check the items including the payment amount and date. If the automatically allocated category does not suit you, simply change it right in the transaction detail. To change it, click the selected transaction and select the correct category in the lower part of the screen.

Splitting Transaction

The transaction detail contains further information about the payment with the option to edit it. Did you make an ATM withdrawal but used the money to buy food and movie tickets? You may split the payment in several categories.

Annual Summary

If you wish to take a look at your monthly expenses for the last twelve months, just select the My Trends option and the Personal Finance Manager will display your expenses for each month in a column chart. To display the detail, simply move the pointer cursor to the column of the selected month. If you want to display a specific category, just select it from the list in the heading.


If you want a more detailed overview of your expenses and you're not satisfied with the basic categories, you may divide the expenses in sub-categories. This way, you always know what you paid for.

If you are allowed to also access accounts of other holders in your Online Banking, you may decide in the "Setting" menu, "Personal Finance Manager" whether the Personal Finance Manager should work with your own accounts only or also with the accounts of other persons.

Did not find the answer you were looking for? Fill out the contact form and we will call you.


Don't have a savings account?

With the My Goals feature, you will easily save up for a new television, sofa or holiday. How does it work? The only thing you need is a savings account. If you don't have one, simply apply for it directly in the My Goals section or through the Personal Finance Manager settings.

Setting Up a Goal

Once your savings account has been set up, you are free to set up your goal. You'll name the goal, select a finish date, target amount, or regular monthly amount. The rest will be calculated automatically. You may also add a picture to your goal to show you how much you have already saved up for your goal.

Set Up a Standing Order

If you do not want to remember to always transfer regular amounts to the savings account, after you set up your goal Online Banking will offer you the option of automatic set up of a standing order with the validity until the finish date of your wish. Then the selected amount will be automatically transferred and you will not have to worry about it anymore.

Edit Your Goals

Have you found out that you will need more money for your goal? Do you need to edit the monthly amount? You are free to edit your goals at any time. However, do not forget to also edit the existing standing order. Such change will then have to be authorized as any other payment.

Quick Transfer between Goals

Cannot wait any longer for one of your wishes and everything else can wait? Use the Transfer option to transfer the balance on the Savings Account to individual goals as you wish.
You may also use the quick transfer even if you have not set up a standing order to save up for your Goals, but transfer the money to the savings account as and when you wish.

Did not find the answer you were looking for? Fill out the contact form and we will call you.


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