Electronic Banking tutorial
Welcome to UniCredit Bank's new
Electronic Banking Application's tutorial page.
THE NEW ELECTRONIC BANKING APPLICATION
HOW AND WHEN CAN I SWITCH TO THE NEW INTERFACE?
The new Internet Banking interface [UniCredit eBanking] will be made available to our individual clients in multiple stages. If you are an individual client, please watch for our messages ([UniCredit SpectraNet Internet Banking system], e-mail, SMS) to be informed of the date from which the new [UniCredit eBanking] application will be available to you. From that point on, you will no longer be able to manage your finances via [UniCredit SpectraNet Internet Banking system].We recommend that you start with getting acquainted with the new Internet Banking platform, thus making sure that you will be able to manage your finances smoothly in the new system.
If you are unable to access the [UniCredit SpectraNet Internet Banking system] interface with your user ID and password, this will mean that you are required to use the new interface.
BENEFITS OF THE [UNICREDIT eBANKING] APPLICATION
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Reduce your banking costs! |
Be safe! |
Keep track of your spending! |
Achieve your goals! |
Authentication by mobile phone is free. |
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From now on you will have |
Define your goals, and watch your dreams come true. |
WHAT CAN I DO IF I RUN INTO A PROBLEM WHEN USING THE [UNICREDIT eBANKING] APPLICATION?
We have prepared a detailed guide for the use of the [UniCredit eBanking] application. The tabs at the top of the page (Log in and select client, Where to find what? Current accounts and cards, Orders, Loans, Investments, Financial planning) provide descriptions of the functions by task type. If you still have a problem or cannot find something, please contact us at the +361 3011 222 phone number. Clicking on the question mark in the menu on the right side of the [UniCredit eBanking] interface you will find more videos that will show you how to use the application. |
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FREQUENTLY ASKED QUESTIONS
HOW CAN I LOG IN TO THE NEW [UniCredit eBanking] APPLICATION?
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The most important thing you need to know is that, on login, your user ID and password are the same as those you have used so far.
The application distinguishes between uppercase and lowercase characters, and the security code only applies for 30 seconds from generation. The access page expires if you do not enter your username and password after 15 minutes. |
The new [UniCredit eBanking] application applies double authentication to support your security! Please follow the identification process applying to you:
Then generate a one-time code by mToken, providing which on the login page you can log in to the eBanking application. |
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USEFUL HINT: We recommend that you configure your internet browser so that it cannot store data automatically. |
SELECT CLIENT
When you first log in, you can choose the clients, whose finances you wish to manage. You can choose from clients in relation to which you have enquiry access You can change this setting at any time in the SETTINGS menu. Click Next to access the eBanking home page. |
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FREQUENTLY ASKED QUESTIONS
HOME PAGE OF THE NEW [UNICREDIT eBANKING] APPLICATION
Orders menu
You can access your domestic and foreign currency orders from the Orders drop-down menu.
Upper menu bar
You can always return to the home page by clicking on the Home 
button or the logo.
By clicking Lending, you can reach data and statements related to your loans and credit cards.
Using the Banking button you will reach data, statements and the transaction history related to your accounts and credit cards.
The Investments button redirects you to your savings products (savings account, securities and time deposits).
My Plans shows your savings goals (e.g. buying a new television set, traveling) and allows you to make a standing order so that a specific amount be regularly transferred from your current account to your savings account.
Useful hints
Help — here you will find answers to your questions related to [UniCredit eBanking].
Branch and ATM Finder — this helps you find the UniCredit branch or ATM located closest to you.
Contact — here you can contact the bank.
Exchange rates — exchange rates and converter.
Account management
The Liabilities column displays the amount corresponding to your personal loan, mortgage loan of your credit cards provided by UniCredit Bank. The Available amount column shows the total balance of your current accounts converted to forint, as well as the related credit line. The Savings column shows the total amount of the time deposits and savings accounts in forint. Click on any of the accounts highlighted in various colours for detailed information. |
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Messages and settings
Click on the MESSAGES icon to open a window that allows you to send messages, Click on the Options icon to open a window in which you can
You can sign out of [UniCredit eBanking] using the Sign out button. |
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Financial planner
| Use the Budget Plan to keep track of your spending. For more information click here. This function can only be accessed from the homepage. |
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FREQUENTLY ASKED QUESTIONS
Will my limit settings remain in place?
In the case of the transaction and daily limits belonging to retail bank accounts, the following changes will take place in [UniCredit eBanking] and in the Mobile application:
- The present "transaction limit" and "daily transaction limit" designation will be replaced by "digital transaction limit" and "digital daily limit".
- The main rule is that the transaction and daily limits defined in the [UniCredit eBanking] interface will be referred to in the future as "digital limit".
- In the future, the Mobile application and [UniCredit eBanking] will use shared transaction limit. This means that the transaction limit defined earlier in the [UniCredit SpectraNet Internet Banking system] will be also applicable in the Mobile application.
- If you have one account, and also have [UniCredit SpectraNet Internet Banking system] access, in the future your digital limits valid in the Mobile application will be the same that you have defined in the [UniCredit SpectraNet Internet Banking system] interface.
Example: If the account-level transaction limit belonging to your account in the [UniCredit SpectraNet Internet Banking system] interface is HUF 200,000 and the daily limit is 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 the transaction, regardless of whether initiated via internet banking or the Mobile application, may be HUF 200,00, and the sum of the transactions initiated on the same day through the two online channels together may be maximum HUF 500,000. - If you have several accounts, and also have [UniCredit SpectraNet Internet Banking system] access
- your daily limits remain unchanged as digital daily limit,
- your digital transaction limit will be defined on the basis of your account with the highest limit, and the limit set to this account will be valid in the future as digital transaction limit for all of your bank accounts, both in the [UniCredit eBanking] system and in the Mobile application.
- In the case of foreign currency accounts, the aforementioned uniform transaction limit amount will be defined on the basis of a converted HUF amount.
Example: If you have two accounts and the account-level transaction limits belonging to your accounts in [UniCredit SpectraNet Internet Banking system] is HUF 200,000 and HUF 100,000, in the future the new digital transaction limit will by 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.
- If you have one account, and also have [UniCredit SpectraNet Internet Banking system] access, in the future your digital limits valid in the Mobile application will be the same that you have defined in the [UniCredit SpectraNet Internet Banking system] interface.
Naturally, you will be able to modify both the digital daily and the digital transaction limit amount in the future as well. If you have several accounts, only a uniform limit can be set as digital transaction limit.
| In the Banking menu you will find all the accounts of the clients assigned to your user. For more details, click on Account details. |
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Useful hint: Click on the
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Click on the View button to access your electronic account statements in the displayed pop-up window. You can save the PDF document to your computer or you can print it out. |
"Transaction overview" displays the transactions that have been or are being booked
Click on any line in a transaction to see all the related details. To view any additional transactions, you can use the search option |
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, or continue navigating at the bottom of the page.
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 Print in statement format Export transactions in PDF format Export transactions in Excel format Advanced search in transaction history: based on time interval, amount, keyword, and incoming or outgoing directions.You can also display your transactions sorted by date, transfer details or amount. |
FREQUENTLY ASKED QUESTIONS
In the new [UniCredit eBanking] application, you can manage all your transfers from the same place by pressing the ORDERS button or by selecting the “Manage orders” option in the drop-down menu: under the Order menu, select the Manage orders sub-menu item. |
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BOOK TRANSFERS BETWEEN OWN ACCOUNTS
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HUF TRANSFERS
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FOREIGN CURRENCY TRANSFER
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You can find your orders waiting for signature under "Overview and signature". To access this menu item, proceed as follows:
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CREDIT CARD SERVICE REPAYMENT [CREDIT CARD REPAYMENT]
You can execute a [credit card repayment] by entering the first letters of the credit card into the "Beneficiary" field of the "Initiate transfer" form.
After that follow the procedure described under [HUF transfers]. |
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THE "FREQUENT TRANSFERS" FUNCTION
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You may find useful the Frequent transfers/Quick pay features if you make certain transfers on a regular basis. Click the "Order" button, then click on the "Add" button in the "Frequent transfers" section on the right hand side of the "Initiate transfer" form. In the drop-down list, you will find all of your saved templates (including those saved in the previous [UniCredit SpectraNet Internet Banking] application). Note: In the case of frequent transfers, you can edit the transfer details before signing. To delete your frequent transfers, click on the “Edit” button, then on the Delete icon. You can create up to nine templates for your frequent transfers. |
PENDING ORDERS
| Within the Orders section, use the drop-down list under the "Orders" button to display your pending transactions currently under processing under the "Pending orders" menu item. |  |
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A transaction in the "Pending orders" menu that is in the "Waiting for signature" status can be either signed, by clicking the "Waiting for signature" button, or deleted, by clicking on the name of the item, then on the "Delete" button. An item "Under processing" cannot be deleted. |
STANDING ORDERS
| When selecting the "Standing orders" option, you can obtain an overview of your domestic and international scheduled transactions, their current statuses as well as any relevant basic information, such as: due date, name, beneficiary’s details or the amount. |  |
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A standing order is a special transaction that is repeated automatically at predetermined intervals. You can initiate a standing order either in forint or in another currency. Click on the "New order" button to record a new standing order. |
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You will finalise the new standing order by clicking on the "Pay now" button. Your order will now be in "Waiting for signature" status. After your order has been signed, the status of the standing order will change to "Active". If you edit your active standing order, you must sign it again. A scheduled standing order will remain active in its original form until you sign the edited order as well. To cancel an active standing order, open the active order and click on the "Delete" icon. Standing orders may be of the following two types:
Pooling: variable amounts (between a minimum and a maximum limit) are transferred on a regular basis, so that your a predetermined amount will always remain on your account. |
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AUTHORISATIONS/ORDERS FOR DIRECT DEBIT
To cancel the order, you must select it, then click on the "Delete" icon. The cancellation order must also be signed. Until the cancellation order is signed, the old order will remain active. |
BENEFICIARIES AND TEMPLATES
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If you select the "Manage Templates" option, you will be directed to the "Beneficiaries and Templates" menu, where you can view the beneficiaries and templates saved in forint or in other currencies. You can also enter new beneficiaries here. |
FREQUENTLY ASKED QUESTIONS
You will find all the loans of the clients assigned to your user in the Lending menu. |
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Useful hint: Click on the
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icon to rename your loans, which will provide you with a better overview."Repayment transactions"
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Export repayment transactions in PDF format
Repayment transactions in Excel format
FREQUENTLY ASKED QUESTIONS
Click on the Investment button to access your Savings accounts and Time deposits. For further details click on the Account details item. To view your bank statements, click on View statements. |
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Useful hint: Click on the
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icon to rename your account, which will provide you with a better overview.
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Export transactions in PDF format
Export transactions in Excel format
Advanced search in transaction history: based on time interval, amount, keyword, and incoming or outgoing directions.Under the Time deposits tab you will find For more details, click on the Deposit data item. Click on Fix new deposit to fix a new deposit. |
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Frequently Asked Questions
KEEP TRACK OF YOUR SPENDING!
Keep track of your spending, and achieve your goals. The biggest innovation in [UniCredit eBanking] is that you can track your spending using the application: it gives you a better understanding of what your money is doing.
Scrolling further down on the home page, you will reach the graphical interface named "Budget plan". |
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Customisation By clicking on the Year menu item, you can view your entire yearly expenditure in a bar chart format. |
Setting a cost limit You can set a cost limit for each category. Click on the "Set budget" button and enter the amount you would like to spend in that category, then press the "Save" button. After that, you will not only see how much money you spent in a specific category, but also the ratio of your spending within the cost limit you have set. The Budget Plan (Költségvetés Terv) operates on the basis of fixed categories, information deduced from your account, and information provided by you. This information is for informative purposes only, and is intended to increase financial awareness, without imposing any additional obligation or liability on the Bank. |
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Setting of expense classes Under the Banking menu item, you may review the list of transactions related to your current account. Next to the items in the “List of transactions” you will find a pictogram (house, money bag) that indicates the category (e.g. house = household) in which that specific expense was automatically sorted. If you wish to assign a particular expense to another category, click on the pictogram to open a menu from which you can select the category or subcategory under which you want the item to be classified. |
| Categorising “Uncategorised” expenses The transactions will also include expenses that the system cannot categorise, and these will appear with the "Uncategorised" inscription. You can classify these items into a category by clicking on the "Uncategorised" inscription, which will open a menu where you can select the category or subcategory under which you want the item to be classified. Choosing the appropriate category will not only help you recalculate that specific expense, but also ensure that this type of expense will, in the future, be automatically included in the selected category. |
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