Strong Customer Authentication
The Strong Customer Authentication requirements of the 2nd Payment Services Directive (PSD2) of the European Union (2015/2366/EU) will become mandatory from September, 2019.
In line with the directive, the internet banking service [UniCredit eBanking] operates with a two-step authentication process for your security. Beside your permanent username and password, our system also uses a One Time Password – related to your actual transaction or login – to properly identify you.
You can choose from the below authentication methods:
mToken
You can generate One Time Password – consisting of 6 numbers – for your logins and payment transactions in the „GENERATE TOKEN” function in the UniCredit Mobile application.
SMS authentication
If you do not have UniCredit Mobile Application, you will receive a One Time Password – generated by us – in an SMS text message for each login and payment transaction in the UniCredit eBanking service. The message will always be sent to your phone number registered in our system.
Hardware Token
If you use hardware Token, you can generate a One Time Password – consisting of 6 numbers – for each login and payment transaction in the UniCredit eBanking service.