You can reach the new eBanking through the Internet Banking menu item, displayed in the top left corner of www.unicreditbank.hu. Your login user ID and password remain the same. Fortext messaging and mToken, the authentication takes place in two steps. Before logging in you can change the language in the top right corner of the box with UniCredit logo, displayed on the left side.

• If you use text message authentication:
  • On the login page provide your previous user ID and password in the two separate fields.
  • After this you will receive to your previously saved phone number a text message containing a one-time login code, and by providing the last 6 digits of it you can log in to the eBanking system.
• If you use token tool for the login:
  • Provide your previous user ID on the login page.
  • On your token provide the correct PIN code, then generate a one-time eBanking login code; by providing it on the login page you can log in to the eBanking system.
• If you use mToken authentication:
  • Provide your previous user ID and password on the login page.
  • Provide your PIN code on your Mobile phone
  • Then generate a one-time code by mToken, providing the received code on the login page you can log in to the eBanking system.
    

If you use text message authentication, after providing your user ID and password we send you a one-time login code via text message, which you will need to enter for logging in to the interface. This text message is sent free of charge.

However, if you use a code received via text message for logging in to eBanking, the monthly fee for the use of the eBanking system is HUF 200. (If until now you have been using text message authentication for your transactions, you will be able to log in to eBanking also by a code sent via text message). As part of our promotion, valid until 29 February 2019, the bank waives the charging of the difference between the former monthly fee of HUF 150 and the current monthly fee of HUF 200.

If you login to eBanking with mToken or physical token authentication, your monthly fee remains HUF 150.

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Yes, they remain the same. The password must have minimum 8 and maximum 12 characters. A-Z, a–z, 0–9 (upper case, lower case and numbers), you can choose any character, but the new password must contain at least 1 upper case and at least 1 lower case character.

You do not need to do anything; everything will work as before in the old system. You need to use mToken for the login as well.

The token usage is not affected by the change. If you encounter problems when logging in with a Token, don’t hesitate to contact our colleagues by phone at +36 1 301 1222.

Yes. You can reach your text message settings by clicking on the cogwheel icon in the right corner of the home page.

Yes. If you wish to search in the eBanking functions, you can do so in the search panel on the top of the home page. If you wish to search your transactions, on the home page click on the Banking menu item, select your account in which you want to perform the search and then click on the magnifier at the right side of the "Overview of transactions" line.

We have introduced the new terms “digital transaction limit” and “digital daily limit” to replace the current designations “transaction limit” and “daily transaction limit” on your retail bank accounts in eBanking and the Mobile application. In another change, we are going to manage transaction limits at client level in the future; however, you will still be able to specify a daily limit separately for each of your accounts. A further change means that transaction and daily limit amounts will need to be specified in HUF, regardless of the currency of the account.

As a main rule, the Mobile application and eBanking will use a shared transaction limit. This means that the higher of the transaction limits defined in SpectraNet Internet Banking versus in the Mobile Application will apply.

Please note that the aforementioned uniform transaction and daily limit amounts will be defined as converted HUF amounts in the case of foreign currency accounts. Assuming you had set a EUR 3000 limit for your EUR account, for instance; when you become a user in the eBanking system, this amount will be converted to HUF at the exchange rate in the system effective as of the transition date. In the future, you will need to remember to specify a converted HUF limit amount for your currency accounts, taking into consideration the potential variations in exchange rate. Our branch advisors will of course assist you with any questions you may have regarding the limit calculations on currency accounts.

• If you have one account and have had SpectraNet Internet Banking access, your future digital limit in eBanking and the Mobile application will be the higher of the limits you had defined in the Mobile application and SpectraNet.

Example: If the account-level transaction limit on your account in SpectraNet Internet Banking was HUF 200,000 and the daily limit was HUF 500,000, your new client-level digital transaction limit and digital transaction daily limit will remain HUF 200,000 and HUF 500,000, respectively. This means that the maximum amount of any transaction submitted via internet banking or the Mobile application may be HUF 200,000, while the sum total of transactions initiated within a single day through the two online channels may be maximum HUF 500,000.

• If you have several accounts and also have access to SpectraNet Internet Banking,
  • your daily limits will remain unchanged as the digital daily limit,
  • your digital transaction limit will be equal to the highest limit on any one of your accounts; this limit will apply, as digital transaction limit, to all your bank accounts, both in eBanking and in the Mobile application.

Example: If you have two accounts and the account-level transaction limits belonging to your accounts in SpectraNet Internet Bank was HUF 200,000 and HUF 100,000, your new digital transaction limit will be HUF 200,000 for both accounts.

• However, the daily limits will not change; i.e. if the daily limit for one of the accounts is HUF 500,000 and for the other one is HUF 300,000, these digital daily limits, i.e. HUF 500,000 and HUF 300,000, will remain in place.

Naturally, you will be able to modify both the digital daily limit and the digital transaction limit in the future as well. If you have several accounts, only a uniform limit can be set as digital transaction limit. For further details, please read Section II of the General Business Conditions.

Yes, it will manage it in the same way.

The new system supports only one signatory for the transactions. In this case your contract will be terminated. To conclude the new contract, you will need to visit one of our branches and designate the person who will act as signatory in the future.

In this case you can log in as follows:

• after the changeover, as an individual having a retail account you will log in to eBanking using the existing user ID and password, and the received SMS code or the mToken/Token code,
• in the case of the business account you will log in to the SpectraNet Internet Banking system, using the existing user ID and password or mToken/Token code.
  

You can manage your standing orders by clicking on the "Standing payment orders" item of the drop-down list under the "Orders" menu item. You can also record new standing orders, or amend your existing standing orders.

You can view your due collections in eBanking under the "Pending orders" item of the drop-down list by clicking on the arrow next to the "Orders" panel; the system sends no automatic notification on this.

This function is not available in the system, but you can reach the function in the mobile application, downloadable free of charge.

You can cancel the signed order if the credit transfer is a domestic forint payment and its status is " Under processing" (not yet posted).

Yes! The user having his own account may also submit application for the free ATM cash withdrawal through the eBanking interface. You will find this in the "Orders" menu item's/"Declaration on free cash withdrawal" option.

In eBanking you will see the details of the debits initiated through the online channels (eBanking, Mobile Banking) and the incoming debits (e.g. direct debit) before the execution of the order in the "Pending orders", in the drop-down list displayed after clicking on the arrow next to the "Orders" panel.

This is not possible in eBanking.

You can obtain information on your pending transactions in the “Pending orders” item of the drop-down list of the “Orders” menu item. Upon logging out, you receive a warning on pending orders.

Yes. You can view and amend your templates in the Template management sub-menu item of the "Orders" menu.

If you wish to use your template, go the Orders menu item, select the account and in the "Beneficiary" field you can access, through the search function, the templates, beneficiaries, credit card accounts or the data of your former orders, saved in the previous SpectraNet Internet Banking system.

We migrate all orders to the new system, including also the unsigned ones.

If the submission of the order fails (e.g. limit setting, authorisation, approval, lack of coverage, etc. problem), eBanking will notify you of this in an error message.

Promotional deposit orders can be submitted only in person in the branches or through the Telebank. The detailed description of the deposit contracts is included in the General Terms of Business.

This function will work similarly to the SpectraNet Internet Banking in eBanking as well, i.e. it will not be automatic. The early withdrawal of the deposit will have to be initiated by you in eBanking as well, which will be finalised in the branch in an automated process.

Promotional deposit orders can be submitted only in person in the branches or through the Telebank. The detailed description of the deposit contracts is included in the General Terms of Business.

This function will work similarly to the SpectraNet Internet Banking in eBanking as well, i.e. it will not be automatic. The early withdrawal of the deposit will have to be initiated by you in eBanking as well, which will be finalised in the branch in an automated process.

- After logging in to the eBanking application, select the “Securities” menu item from the drop-down menu of ORDERS, right below the UniCredit logo. (If you have not submitted any securities orders before, the following message will be displayed: “You have no pending order”.)

- You will find the “NEW SECURITIES ORDER” button at the bottom of the new window. Select the type of order from the drop-down menu below.

- Afterwards, fill in the data requested in the pop-up window, then insert the data required by the system. Should you fail to provide a data item, you will receive a warning from the system. Important: if you are a person authorised to dispose of the accounts of several clients, select the client whose account you wish to dispose of from the “Client” drop-down menu.

- After inserting all the data, the “COST CALCULATION” button will become active. If you click on it, the costs of the transaction will be displayed within a few seconds.

- After reviewing the data, click on “Next” to proceed to the next page where you can check the transaction data. If all data are correct, sign the order using a token, SMS or mToken, depending on the form of authentication you had chosen.

- Click on “Next” to create the order.

- You may prepare and sign several orders at the same time by ticking the box next to them on the “Review and sign” page, in the white check field to the right of the transaction details.

- Important: The orders will not be registered in the system unless you sign them by inserting the signature code.

- After logging in to the eBanking application, select the “Securities” menu item from the drop-down menu of ORDERS.

- The pop-up window will display your submitted orders and their status (one order per line).

- By clicking on the line of the order to be withdrawn, the details of the transaction will be displayed. You may withdraw the order (if it can be withdrawn) by clicking on “Withdraw” at the bottom of the page. (If the order cannot be withdrawn, the withdrawal option will not be displayed. Orders not yet signed may be deleted from the list by clicking on “Delete”).

- Afterwards, the details of the order to be withdrawn will be displayed in a pop-up window. Check the data, and click on “Next” if they are correct.

- On the next page, you will see all your orders not yet signed, with the withdrawal order automatically selected.

- After inserting the signature code, click on “Next” at the bottom of the page to withdraw the order.

- After logging in to the eBanking application, select the “Securities” menu item from the drop-down menu of ORDERS.

- The pop-up window will display your submitted orders and their status (one order per line).

- After logging in to the eBanking application, you can check the list of your securities transactions by selecting the INVESTMENT menu item in the top line, and then the SECURITIES menu item. (If there are no securities in your account or the settings of your securities account are not correct, the SECURITIES menu item will not be displayed).

- The available securities will be displayed at the top of the page.

- Further details of your securities portfolio will be displayed in the middle of the page.

- By clicking on the selected securities, you can review your orders submitted for the given securities at the bottom of the page. If the list is empty, you can select a longer period by clicking on the magnifying glass icon on the right.

- Then click on “Search” to display your orders submitted for the period in question