• domestic HUF transfers from HUF accounts,
• that are sent electronically using internet banking ([UniCredit eBanking], Spectra, SpectraNet) or mobile banking services [UniCredit Mobile Bank] updated to the latest version,
• with an amount that does not exceed HUF 10 million,
• having underlying coverage,
• does not have future value date,
• only singe payments may be instant payments, corporate payment packages with multiple orders inside can not be processed as instant payments
• and in respect whereof an appropriately registered beneficiary account number or a secondary identifier registered in advance by the beneficiary has been provided

• Instant payment does not have a separate menu point or it does not have to be marked, if a HUF payment order meet all above criteria the bank process that payment as an instant payment
• HUF transfers are available for corporate customers in the Spectra / SpectraNet Internet Banking system
• In addition to a bank account number, a secondary identifier may also be used when specifying the beneficiary.

• A secondary identifier may only be registered by persons who are eligible to submit payment orders for the given account.
• Please note that a secondary identifier can only be linked to one single bank account. If, therefore, you have several bank accounts, you must choose a specific data to be registered for each of such bank accounts.
• At the same time, multiple secondary account identifiers can be assigned to a given bank account, meaning that if you have several email addresses or mobile numbers, you can register all of them for the selected bank account. (In the latest version of the [UniCredit Mobile Bank] you can register only one type of identifier to the selected bank account. It means, that you can register for example just one of your email addresses to the bank account, but one mobile number and one TAX ID can be registered to the account at the same time.)
• Secondary identifiers may be registered by corporate customers in the Spectra/SpectraNet Internet Banking system and in person at our branches,
• The authenticity of the secondary identifier provided is verified (with a verification code sent to the email address or a code sent by SMS) and the data is only linked to the account following this approval process.
• You must verify each year whether the secondary identifiers provided still belong to you. The bank will send you a notification to this effect prior to the deadline. Secondary identifiers that are not confirmed shall be deleted by the bank from the system after this deadline lapses.

Make sure that you use the latest version of the [UniCredit Mobile Bank]! After logging in, please, find your account summary (marked with blue blackground), click on the menu on it (three points at the upper right corner), and register the requiered IDs in the Secondary Identifier settings. The type of secondary identifier must be selected in the "Beneficiary Identifier Type" field when registering the transfer, after which you must provide the appropriate identifier.

Instant payment is also possible by providing the secondary identifier registered for the beneficiary's bank account instead of the bank account number of the receiving party. A tax number/tax identification code, email address or mobile number can serve as a secondary identifier. You can also register a secondary identifier for your own bank account.

You can register and delete secondary identifiers in the Settings menu under Secondary Identifiers.

Fees, in each case, are the same as those charged for transfers sent electronically to within or outside the bank, as specified in the list of conditions and applicable to the given account package.

Interested in free of charge Mobile Banking transfers? Switch to our “Mobil Aktív” account package.

Debiting of instalments and interest payment relating to retail loans (with the exception of securities loans, annuity repayment mortgage loans and credit cards), as well as the debiting of at-sight interest and overdraft facility interest is carried out on bank holidays as well.

As before, via the Spectra/SpectraNet Internet Banking platform, in the Sent Orders menu by querying status.

The fee of instant transfers is the same as the fee for ‘normal’ HUF transfers submitted electronically. The official fees are contained in the applicable lists of conditions.

A separate statement is prepared for each day, with an individual serial number (for weekends and bank holidays alike).

The cut-off-times for various order types are contained in the execution order of transactions. HUF transfers complying with the criteria for instant payment are executed on an ongoing basis, every calendar day, 24 hours a day. Value date changes at midnight, meaning that incoming and outgoing instant transfers are booked on the given day in each case. The cut-off-times and booking rules for the various orders do not change.

HUF transfers with future value date are not executed instantly but clearing, in line with previous practice (if coverage provided), is carried out in the first IG2 cycle in the morning — at around 7:30 AM.

The booking of cash pool movements will be carried out as part of banking day closing, right after midnight, on weekends and bank holidays as well. Pool transactions will, therefore, take into account all current day items processed before midnight.

The current order import formats can be used even after the introduction instant transfers, and different fields will only be required if a secondary identifier is used. Instant transfer orders containing a secondary identifier can only be imported in xml (pain.001) format; the format description is available in the Spectra/SpectraNet Help menu. The only change in respect of exported statements is that — if a secondary identifier is used — instead of the name and account number of the beneficiary, it will contain the secondary identifier and the identifier type.

Corporate order packages — in line with the provisions of the relevant MNB Decree — are executed under the intra-day clearing system (IG2). The bank does not separate batch orders. The instant payment system was not designed to execute batch orders in a few seconds, and GIRO also protects the clearing system from overloading. Companies may only submit instant transfer orders by submitting these orders individually, item by item.

No, but pursuant to the applicable MNB Decree, we cannot add instant transfers to the queue (in case of insufficient coverage, these must be rejected immediately).

Essentially yes, except if the order does not comply with the criteria of instant transfers (e.g. the transfer order has been submitted as part of a package; it requires manual processing because the paying party submitted the order on paper; or the paying party did not submit the transfer order against the HUF payment account or submitted it with a subsequent debit date).

As of 2 March 2020, UniCredit Bank will not be offering payment request-to-pay service as yet (neither on the receiving nor the sending side), but we are working on introducing the service.

As before, via the Spectra/SpectraNet Internet Banking platform, in the Sent Orders menu by querying status.

The fee of instant transfers is the same as the fee for ‘normal’ HUF transfers submitted electronically. The official fees are contained in the applicable lists of conditions.

A separate statement is prepared for each day, with an individual serial number (for weekends and bank holidays alike).

The cut-off-times for various order types are contained in the execution order of transactions. HUF transfers complying with the criteria for instant payment are executed on an ongoing basis, every calendar day, 24 hours a day. Value date changes at midnight, meaning that incoming and outgoing instant transfers are booked on the given day in each case. The cut-off-times and booking rules for the various orders do not change.

HUF transfers with future value date are not executed instantly but clearing, in line with previous practice (if coverage provided), is carried out in the first IG2 cycle in the morning — at around 7:30 AM.

The booking of cash pool movements will be carried out as part of banking day closing, right after midnight, on weekends and bank holidays as well. Pool transactions will, therefore, take into account all current day items processed before midnight.

The current order import formats can be used even after the introduction instant transfers, and different fields will only be required if a secondary identifier is used. Instant transfer orders containing a secondary identifier can only be imported in xml (pain.001) format; the format description is available in the Spectra/SpectraNet Help menu. The only change in respect of exported statements is that — if a secondary identifier is used — instead of the name and account number of the beneficiary, it will contain the secondary identifier and the identifier type.

Corporate order packages — in line with the provisions of the relevant MNB Decree — are executed under the intra-day clearing system (IG2). The bank does not separate batch orders. The instant payment system was not designed to execute batch orders in a few seconds, and GIRO also protects the clearing system from overloading. Companies may only submit instant transfer orders by submitting these orders individually, item by item.

No, but pursuant to the applicable MNB Decree, we cannot add instant transfers to the queue (in case of insufficient coverage, these must be rejected immediately).

As of 2 March 2020, UniCredit Bank will not be offering payment request-to-pay service as yet (neither on the receiving nor the sending side), but we are working on introducing the service.