INTERNET BANK SERVICE USER MANUAL

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1 SERVICE 2014

2 INDEX 1. KEY QUESTIONS GENERAL INFORMATION SECURITY ACCESS TO THE SYSTEM MAIN STEPS TO CONNECT TO THE SYSTEM LOGIN BY IDENTIFICATION CARD NUMBER LOGIN BY MOBILE PHONE NUMBER LOGIN BY TOKEN PROCEDURE OF OPERATIONS MAIN PAGE STATEMENTS Account Statement Export of Account Statement Card Statement Application of Disagreement with Card Transaction ACCOUNTS View Account Information Transfer between own Accounts Intrabank Transfer Interbank Transfer Transfer supporting document Transfer using the Details of Earlier Transfer Cancel Transfer Contractual Payment Foreign Currency Transfer Non-cash Currency Exchange CARDS View Card Details Service Payment Transfer between Cards Change of the Main Card Account Card Blocking Card Unblocking Application for Re-issue Card Application for Issue of a Card DEPOSITS View Deposit Details Open deposit Cancel Deposit Prolongation Partial Withdrawal from Deposit Early Withdrawal of Deposit Deposit Replenishment Non-cash Conversion in Deposit Accounts "Мультивалютный (Multi-currency) LOANS Loan Repayment Send Loan Application INTERNET BANK SET Up Set up Login by Mobile Phone Number Set up Notifications of Operations in the INTERNET BANK Token Unblocking Application to Customer Service System Block SET UP THE MOBILE CLIENT-BANK SYSTEM Subscribe to the Mobile Client-Bank System Change of Parameters of Mobile Client-Bank System SET UP PHONE BANK

3 Set up TPIN Set up Answers to Security Questions DATABASE OF BANKS OF THE RUSSIAN FEDERATION TARRIFS FOR USING INTERNET BANK Attachment 1. List of operations of the INTERNET BANK Attachment 2. Receipt of one-time passwords using Mobile Application installed on mobile phone (Javaapplication, applications for Windows Mobile and Android) Attachment 3. Receipt of one-time passwords using Mobile Application installed on Apple iphone Attachment 4. Using Token in the INTERNET BANK Footnotes and explanations

4 1. KEY QUESTIONS SUBSCRIPTION AND LOGIN How to subscribe to Internet Bank? You can subscribe to Internet Bank at any Rosbank office. You should present your identification paper personally. See more. How to get an Identification Card? You can get an identification card and PIN-envelope with PIN2-code free of charge at any Rosbank office. Why do you need an Identification Card? Number and PIN2-code of your identification card are used for work in remote banking systems, such as Internet Banking, Mobile Client-Bank and Phone Bank. See more. Why do you need to enter the password for the first login using your identification card? You will enter this password to login using your identification card number and confirm some operations. How to enter Internet Bank? To log into Internet Bank, select the Internet Bank link in the right top corner on the site page under the text For individuals or enter in the address line of the Internet browser. See more. How to log into the Internet Bank using your mobile phone number? To log into the INTERNET BANK using your mobile phone number, register your mobile phone number in the INTERNET BANK. See more. Install and personalise the Mobile Application. See more. How to get a token? You can get a token at any Rosbank office. Token fee is charged as per Rosbank tariffs. What to do if I forgot the password to log in the INTERNET BANK using the ID card? Select the Forgot your password? link on the password entry page. Enter PIN2-code of your ID card, make up and enter twice a new 8-digit password. See more. GENERAL QUESTIONS How much does to cost to subscribe and use the INTERNET BANK? No fee for subscription and subscriber s fee for using the System are charged. See more. How to look through all my accounts, cards, deposits and loans in the INTERNET BANK? You see accounts, cards, deposits and loans opened with one branch of Rosbank in the INTERNET BANK. To get information on any bank products opened with another branch, you can apply to any office of Rosbank and get a separate ID card for access to bank products of another branch free of charge. What requirements are made to the computer to work in the INTERNET BANK? You can work in the System from any computer connected to the Internet. There are certain requirements to the operating system and Internet browser. See more. What are the hours for operations in the INTERNET BANK? You can perform operations in the System round-the-clock. Some operations may be unavailable during technological break. See more. 4

5 Where to apply with any questions on the System? You can call 8 (800) OPERATIONS How to get a statement? To get a statement of account, card or deposit, select «STATEMENTS» top level menu item, select a respective account, card or deposit for the statement, specify the period and press Submit. See more. How to get loan details? To perform the operation, select Loans details on the Main Page or in LOANS section in the Available operations field from the drop down list. See more. How to pay for phone or the Internet? To make payments for phone, the Internet, TV, etc., select PAYMENTS AND TRANSFERS top level menu item, select a category of a paid service and a payee, enter details and payment amount, and confirm data by OTP or one-time password. See more. How to make transfer between your own accounts? On the Main Page or in ACCOUNTS/CARDS section for the account to be debited, select Transfer between own accounts in the Available operations field from the drop down list, select the account to be credited, enter the transfer amount and confirm data by the password. See more. How to exchange currency between your own accounts? On the Main Page or in ACCOUNTS/CARDS section for the account to be debited, select Currency exchange in the Available operations field from the drop down list, select the account to be credited, enter the amount and confirm data by the password. See more. How to make transfer to another bank? On the Main Page or in ACCOUNTS/CARDS section for the account to be debited, select Interbank transfer in the Available operations field from the drop down list, enter details and the transfer amount, and confirm data by OTP or one-time password. See more. How to make transfer using the details of an earlier transfer? Get an account statement for the date of transfer. Select hyperlink in the "Date" column on the statement page in the transfer data line. Press "Copy" on the opened page with details of the transfer. See more. How to get a transfer supporting document? Get an account statement for the date of transfer. Select hyperlink in the "Date" column on the statement page in the transfer data line. Press Printable version on the opened page with sent transfer details. See more. How to transfer currency? On the Main Page or in ACCOUNTS/CARDS section for the currency account to be debited, select Foreign currency transfers in the Available Operations field from the drop down list, enter details and the transfer amount, and confirm data by OTP or one-time password. See more. How to make transfer to Rosbank card? On the Main Page or in ACCOUNTS/CARDS section for the card from which you wish to make transfer, select Transfer between bank cards in the Available Operations field from the drop down list, enter the number of the card to be credited and the transfer amount, and confirm data by OTP or one-time password. See more. 5

6 How to replenish your deposit? On the Main Page or in "DEPOSITS" section for the deposit to be replenished, select Deposit replenishment in the Available Operations field from the drop down list, select the account to be debited, enter the amount to be replenished, and confirm data by password. See more. How to withdraw cash from deposit? On the Main Page or in "DEPOSITS" section for the deposit from which you wish to withdraw a part of the amount, select Partial withdrawal from a deposit account in the Available operations field from the drop down list, enter the amount to be withdrawn and confirm data by password. See more. How to connect to Mobile Client-Bank System? Select Profile menu item (in the page right top corner) and press Set up the Mobile Client-Bank System. Enter your mobile phone number, work parameters in the System and confirm data by OTP or one-time password. See more. 2. GENERAL INFORMATION Internet Bank is a remote banking system which allows to manage bank accounts through the Internet. To work in the INTERNET BANK, you do not need to install special software. INTERNET BANK will help you save your time, safely and easily perform operations on your accounts from any computer connected to the Internet from anywhere in the world 24/7 and distantly control your funds. INTERNET BANK allows to perform a wide range of bank operations, including information on accounts, cards, loans, and deposits; payment for services of mobile telecom operators, Internet providers, etc.; transfers of funds in RUB and FX; and managing opened deposits. A full list of operations is set out in Attachment 1 to the User Manual. INTERNET BANK is based on the reliable information encryption system, using SSL 3.0 server certificate with 128-bit encryption. To log-in, you need to enter access password or one-time password obtained using a Token or Mobile Application installed on the phone. It makes it possible to keep secrecy of operations data and protect from unauthorized access to bank accounts, cards, deposits and loans. Operations (except for information ones) require confirmation by passwords or OTP. To increase the level of security, PIN2-code and permanent password may be entered using only the virtual keyboard. 3. SECURITY Comply with the following security rules when working in the INTERNET BANK. 1) Before you enter the data to log in the System, verify server certificate for SSL-connection (protected connection) with your computer 3. 2) Check the site address in the address line of your browser 3) To prevent infection with computer viruses, use and regularly update anti-virus programs on your computers. Otherwise, entered information may be accessed by intruders using and actively spreading spyware in the Internet. 4) Keep an ID card, PIN-2 code, the login password, password to generate OTP and Token PIN in a safe place, do not write PIN-2 code and the login password on the ID card, do not keep PIN-2 code and the login password together with the ID card, provide for safety, non-disclosure and non-distribution of information about PIN-2 code, the login password and the password to generate OTP, Token PIN and the printed OTP. 5) In case of loss, theft, unauthorized copying or illegal use of the information about PIN-2 code, the login password, password to generate OTP, Token PIN and printed OTP, and in case of loss of the mobile phone with installed Mobile Application, or a token, immediately call Rosbank round-the-clock client support service: Moscow (and for overseas calls) +7(495) , other regions of the Russian Federation 8(800) to block access to the INTERNET BANK. You can also independently block operations through the INTERNET BANK using System block. 6) Do not use PIN-code of your bank or ID card and your personal data (e.g., a part of your card number or your date of birth, etc.) as login password and the password for generating OTP or Token PIN. 7) Do not enter PIN-code and CVV2/CVC2 codes of your bank card in the INTERNET BANK. This information may not be requested through any communication channel, including INTERNET BANK, and telephony. If such information is requested from you in the INTERNET BANK, stop work immediately and contact Rosbank. 6

7 8) To sign off, use «Exit» special menu item. 4. ACCESS TO THE SYSTEM 4.1 MAIN STEPS TO CONNECT TO THE SYSTEM To connect to the INTERNET BANK: 1) Apply to any office of Rosbank. 2) Fill in an application for subscription to the System. 3) Obtain an ID card and PIN-envelope with PIN-2 code, and the list of printed OTP. You should be present to subscribe. Details of your ID card are used for work in the remote banking systems, such as INTERNET BANK, Mobile Client- Bank and Phone Bank. In the INTERNET BANK the last 8 digits of your ID card number are used for login, PIN-2 code is used for password creation. Entry of your ID card number and PIN-2 code is required for Token activation and unblocking. In the Mobile Client-Bank and the INTERNET BANK, to login using your mobile phone number, the last 4 digits of your ID card number and PIN-2 code are used for personalization of the Mobile Application. In the Phone Bank, you can login using your ID card number. For convenient work in the System, you can receive a special device - Token - for generating the one-time passwords. The procedure for using a Token in the System is set out in Attachment 4 to the User Manual. If you wish to receive passwords using your mobile phone, indicate this phone number in your application for subscription to the System or perform the Set up login using your mobile phone number operation and install the Mobile Application on your phone. Afterwards, you can receive the one-time passwords using this application without sending and receiving SMS. The procedure for receiving the one-time passwords using the Mobile Application installed on your phone is set out in Attachment 2 and Attachment 3 to the User Manual. Correct work in the INTERNET BANK is provided for using the following operating systems and Internet browsers: Operating system: Windows, MacOS; Internet browser: MS Internet Explorer (Version 7.0 and higher), Google Chrome (Version 10.0 and higher), Mozilla Firefox (Version 10.0 and higher), Opera (Version and higher), Safari (Version 10.0 and higher). You can login the INTERNET BANK from Rosbank site ( To login the INTERNET BANK, select the Internet-Banking, then Persons icon ( ) in the right top corner on the site page or enter in the address line of the Internet browser. You will go to the authorisation method selection (Figure 1). Login using your ID card number is selected by default. 7

8 Figure 1. Authorization method selection There are three methods to login: Login by your identification card number; Login by your mobile phone number; Login by Token. In the right top corner of authorisation method selection page (Figure 1), use icon to choose the System language (Russian / English) LOGIN BY IDENTIFICATION CARD NUMBER To log in the INTERN BANK using your ID card number, choose Identification Card tab (selected by default) on the authorisation method selection page (Figure 1). You will go to the page to enter your ID card number (Figure 2). Enter 8 last digits of your ID card number and press "Continue". You will go to the page to enter the password (Figure 4). When log in for the first time by your ID card number, you will go to the password creation page (Figure 3). Make up the password to work in the System and confirm it by entering PIN-2 4. Figure 2. Identification card number entering to log in Internet Bank 8

9 Enter PIN-2 4 keyboard. and the password using the virtual You will use the password for login and confirmation of some operations. Important! To create the password, do not use the PIN-code of your bank or ID card and your other personal data (e.g., a part of your card number or your date of birth, etc.). Do not destroy your PIN-2 after password creation. Press Continue. You will go to the Main Page of the System (Figure 10). Figure 3. Password creation Important! The following passwords are prohibited: Containing the first or last 8 digits of the ID card number; Containing 4 and more similar digits in a row; Consisting of sequences of digits , , , ; In which the first 4 characters coincide with the last 4 characters; In which the first 4 characters coincide with inversion of the last 4 characters. Important! If PIN-2 code is entered incorrectly three times in a row or six times on one calendar day, access to the INTERNET BANK using your ID card number is blocked until 00:00 Moscow time of the next calendar day. Upon expiration of this period, you can have one attempt to enter PIN-2 code. If PIN-2 code is entered incorrectly, access to the INTERN BANK using your ID card number is blocked again until 00:00 Moscow time of the next calendar day. Figure 4. Password entering to log in On the page which opens after the card number entry, enter the 8-digit password set by you earlier. Press "Continue" to go to the Main Page of the System (Figure 10). If you do not remember your password, choose the Forgot your password? link to create a new password. You will go to the page to create the password (Figure 3). Important! If the password is entered incorrectly three times in a row or six times on one calendar day, access to the INTERNET BANK using your ID card number is blocked until 00:00 Moscow time of the next calendar day. Upon expiration of this period, you can have one attempt to enter the password. If the password is entered incorrectly, access to the INTERNET BANK using your ID card number is blocked again until 00:00 Moscow time of the next calendar day LOGIN BY MOBILE PHONE NUMBER To log in the INTERNET BANK using your mobile phone number, choose "Mobile phone" tab on the login data entry page (Figure 1). You will go to the page to enter your mobile phone number (Figure 5). You can login using your mobile phone number if you indicated your mobile phone number for generating the one-time passwords when entering into the INTERNET BANK service agreement, installed and personalized the Mobile Application on your phone. You can register the phone number for login without applying to Rosbank office by performing the Set up login using mobile phone number operation. The procedure for installation and personalization of the Mobile Application is set out in Attachment 2 and Attachment 3 to the User Manual. Enter 10 digits of your mobile phone number. 9

10 Direct phone number should be entered with the federal code. You can get a federal code from the mobile telecom operator. Press "Continue". You will go to the page to enter the one-time password (Figure 6). Figure 5. Mobile phone number entering Figure 6. Entering of the one-time password generated by the Mobile Application Enter the one-time password generated by the Mobile Application. To receive the one-time password, open the Mobile Application in your mobile phone. Select successively in the Mobile Application Internet bank, Code Generation menu items and enter in the screen form the one-time password identifier and the password which you have set earlier for application personalization. The Mobile Application will generate a 6-digit one-time password. See detailed procedure for generating the one-time password using the Mobile Application in Attachment 2 and Attachment 3 to the User Manual. Enter the one-time password into the INTERNET BANK and press "Continue". You will go to the Main Page of the System (Figure 10). Important! If the one-time password is entered incorrectly, regenerate the one-time password in the Mobile Application. If the one-time password is entered incorrectly three times in a row, access to the INTERNET BANK using the mobile phone number will be blocked. To unblock access to the INTERNET BANK, perform Activate service special operation in the Mobile Application. The procedure for the operation is described in Attachment 2 and Attachment 3 to the User Manual LOGIN BY TOKEN To log in the INTERNET BANK using a Token, select the "Token" tab on the login data entry page (Figure 1). You will go to the Token number entry (Figure 7). You can register with the Token if you have entered into the INTERNET BANK service agreement at the Bank s additional office and received a Token. 10

11 Enter the last 8 digits of the Token serial number received by you from the Bank s office. Token serial number is indicated on the Token reverse side on the white label under the bar code. Press "Continue". You will go to the one-time password entry page (Figure 9). At the first login using the Token number, you should activate it. In this case, from the data entry page you will go to the Token activation page (Figure 8). Figure 7. Token number entering Enter the last 8 digits of your ID card number, PIN- 2 code 4 (using virtual keyboard), and press "Continue". Figure 8. Token activation Enter 6-digit one-time password obtained using a Token. To generate the one-time password, switch on the Token (press on the Token keyboard, and while holding this button, press ), enter Token PIN, enter 2 in the screen form for selecting the application (APPLI), enter the password number displayed on the INTERNET BANK page in the next screen form. Afterwards, the Token will generate a 6-digit one-time password. Figure 9. Entering the one-time password generated by Token See detailed procedure for generating the one-time password using the Token in Attachment 4 to the User Manual. Once you have entered the one-time password, press "Continue". You will go to the Main Page of the System (Figure 10). Important! If the one-time password is entered incorrectly, regenerate the one-time password using the Token. If the one-time password is entered incorrectly three times in a row, access to the INTERNET BANK using the Token will be blocked. 11

12 5. PROCEDURE OF OPERATIONS 5.1. MAIN PAGE You can open the Main Page of the INTERNET BANK (Figure 10) after successful login. The page displays information about your accounts, deposits, loans and bank cards opened with one branch of Rosbank. If your accounts, deposits, loans and bank cards are opened with different branches, you should apply to any office of Rosbank and get an identification card for each branch free of charge to perform any operations. Figure 10. Main Page of the INTERNET BANK On each System page, you can see top level menu items ("MAIN", "ACCOUNTS/CARDS", "LOANS", etc.). Choose the necessary menu item to go to the System page to perform operations from the chosen section. You can perform some operations ( Changing parameters of the system, Set up the Mobile Client-bank system, etc.) by choosing "Profile" menu item in the right top corner. You can use the information display method convenient for you by choosing an option corner under top level menu items. in the right top Where information is displayed by block, the page simultaneously displays not more than 6 bank products. If bank products are more than 6, the page bottom part displays the horizontal scroll bar to be used to get information on other products. To update the information on your accounts, cards, deposits or loans, choose Update information. To perform an operation on the account, card, deposit or loan, select the necessary operation from the drop down list in Available Operations. You can view the list of service operations after choosing "Maximize" in the bottom part of the System page. You can see Exit link in the right top corner of each System page to be chosen to sign off. 12

13 5.2. STATEMENTS You can receive an account (including a deposit account) or card statement in "STATEMENT" section. You can receive an account statement for the last three months via the INTERNET BANK. To receive statements for the previous periods, apply to the service office. You can receive a card statement for the last seven months. You can receive an account statement round-the-clock during weekends and holidays, and during the following periods of business days: From 08:00 a.m. to 10:00 p.m. Moscow time for the Moscow and North-Western regions; From 04:00 a.m. to 09:00 p.m. Moscow time for the West-Siberian region; From 06:00 a.m. to 09:00 p.m. Moscow time for the Central and Southern regions; From 02:00 a.m. to 06:00 p.m. Moscow time for the East-Siberian region; From 00:00 to 03:00 p.m. Moscow time for the Far East region. Account Statement The purpose is to get an account statement for the specified period. To receive an account statement, select "STATEMENTS top level menu item. You will see the page to order account and card statements (Figure 11). Figure 11. Screen form to order account and card statements To receive a statement, perform the following actions: Check the box to the left of the account which statement you need; Indicate the period of the statement you need: current day ; for last 10 days ; for last 30 days ; for the period (when choosing for the period, indicate the initial and final dates of the report in "from" and "to fields); Press Submit in the page bottom part. After that you will see the page with a chosen account statement for the specified period (Figure 12). If you choose several accounts, statement of each account will be generated. NB: If any operation on the account was performed on the non-business day (day off), the information will be included into the account statement for the next business day. 13

14 Figure 12. Account statement Press Export the full form to get a detailed statement in pdf format. Press "Back" to return to the page to order account and card statements (Figure 11). Press Printable version to receive a printable version of the statement. Press "Export" to Export account statement to ofx, qif, csv files (Figure 14). Click the hyperlink in the "Date" column of the statement to go to the page with details of executed or received payment order (Figure 13). 14

15 Figure 13. Executed payment order details Press Printable version to receive Transfer supporting document (Figure 23) to be printed. Press Copy to make Transfer using the details of earlier transfer. Press Withdraw payment order to make Transfer withdrawal (Figure 24). Export of Account Statement The purpose is to export the account statement to the files to be used to synchronise financial data between the INTERNET BANK and personal programs of financial accounting MS Money, Quicken, etc. Statement may be exported to files of 3 formats (ofx, qif, csv). To perform the operation, press "Export" on the page with an account statement (Figure 12). You will go to the page to choose a file format to export a statement (Figure 14). Figure 14. Selection of file format to export a statement 15

16 To export a statement, you should remember the following: To export correctly all chosen accounts to one file for MS Money, the account number should coincide with the account number with the Bank; To export correctly all chosen accounts to one file for Quicken, the account name (Name this account) should coincide with the account number with the Bank; To export correctly to Quicken, accounts should have Cash type; Export to Quicken can cause problems with display of Russian texts; Information about transaction Category may not be exported to MS Money with the use of QIF format. Card Statement The purpose is to receive a card statement for the specified period. The statement shows only operations performed with the use of a bank card. Otherwise, such operation is displayed in Account statement. To receive a card statement select "STATEMENTS" top level menu item, the page to order account and card statements (Figure 11) will open. To receive a statement, perform the following actions: Check the box to the left of the card which statement you need; Indicate the period of the statement which you need to receive: for current day ; for last 10 days ; for last 30 days ; for the period (when choosing for the period, indicate the initial and final dates of the report in "from" and "to" fields); Press Generate statement. Those actions are followed by opening of the statement of a chosen card for the specified period (Figure 15). If you choose several cards, statement of each card will be generated. Figure 15. Card statement Press "Back" to return to the page to order an account and card statement (Figure 11). Press Print the screen form to receive a printable statement form. Press Export the full form to receive a detailed statement in pdf format. To view detailed information about a transaction on the operation, click the date of the required transaction and choose "View" from the drop down list. Application of Disagreement with Card Transaction The purpose is to send to Rosbank an application of disagreement with the bank card transaction. You should send an application of disagreement with the transaction if you have found a card transaction not performed by you. The application is ed to the authorized employee of the Bank. To perform the operation, receive Card statement, choose the transaction you do not agree with from the report by clicking on it. 16

17 Select Application of disagreement with the transaction from the drop down list. The page to describe the transaction case will open (Figure 16). Figure 16. Transaction case description Choose from the list one or several cases described on the page. To select check the box on the left of the case description. Press Confirm operation. On the next page, enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Perform operation. In case of successful check by the System of payment details and printed OTP/the one-time password, the application will be sent to the authorized employee of Rosbank, and the page with a message on successful operation will open ACCOUNTS You perform operations on accounts from the Main Page ("MAIN menu item) or from "ACCOUNT/CARD" section. You can also make transfers in RUB and FX and non-cash currency exchange in PAYMENTS AND TRANSFERS section. You can receive Account statement in "STATEMENTS" section. View Account Information To receive account information, select Customer account details on the Main Page (Figure 10) or in ACCOUNTS/CARDS section for the account which information you wish to receive in the Available Operations field from the drop down list. You will get parameters of the selected account (Figure 17). 17

18 Figure 17. Account parameters Press Print full details to go to the page with your bank details information (Figure 18). These details may be used for transfers from other banks to your account. Figure 18. Bank details Transfer between own Accounts The purpose is to transfer funds between your accounts opened in one currency. You can perform the operation in the following ways: 1) Select Transfer between own accounts item on the Main Page (Figure 10) or in ACCOUNTS/CARDS for the account to be debited in the Available Operations field from the drop down list. 2) Select PAYMENTS AND TRANSFERS top level menu item; select Transfer between own accounts menu item in Transfers in RUR section. As soon as you perform any of the specified actions, the page to enter details for transfer between your accounts will open (Figure 19). 18

19 Figure 19. Entering details for transfer between own accounts in rubles Fill in the fields on the opened page and press Confirm the operation. On the next page enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of payment details and the password, the funds will be transferred between the selected accounts. The page with a message on successful transfer between own accounts will open. Intrabank Transfer The purpose is to transfer funds in RUR to the account of the other person opened with Rosbank. You can perform the operation in the following ways: 1) Select Intrabank transfer on the Main Page (Figure 10) or in ACCOUNTS/CARDS section for the account to be debited in the Available Operations field from the drop down list. 2) Select PAYMENTS AND TRANSFERS top level menu item; select Intrabank transfer menu item in Transfers in RUR section. As soon as you perform any of the specified actions, the page to enter details for intrabank transfer will open (Figure 20). Figure 20. Entering Intrabank transfer details 19

20 Fill in the fields on the opened page. To receive information on the procedure for filling in the field, select? button on the right of the field. Press Confirm the operation. On the next page enter printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of payment details and the printed OTP / one-time password, the funds will be debited from the account. The page with a message on successful intrabank transfer will open. Interbank Transfer The purpose is to transfer funds in RUR to the account opened with another bank. On the Main page of the Service, you can (Figure 21): - either, press the button Payments and Transfers, then follow a link Ruble transfer - or, from the Available operations menu, select Interbank Transfer command - for internal transfer to another Rosbank client select Intrabank Transfer command (Figure 20) Figure 21. Going to the Interbank transfer page 20

21 On the Interbank transfer page (Figure 22), please fill-in the following form. To receive detailed information on the procedure for filling in the field, select? button on the right of the field. - any number upon your convenience - your account selected - amount of transfer - Beneficiary s name (in Russian letters) - INN is necessary for companies, for Individual person it can stay empty. - Beneficiary s account No (20 figures) - requisites of the bank holding an account of your Beneficiary Fill BIC (Bank Identifier Code) (9 figures) and press Select : other requisites should appear automatically. - details of payment (in Russian). Information about VAT is necessary, e.g. Без НДС, в т.ч. НДС (18%). If you need to transfer funds to the budget, to pay tax or fine, select Payment to government. Special fields for transfer to the budget will open. See examples of tax notice (paper of electronic form that client receives) and tax payment order with correspondent fields filled below. - (101) field from your tax notice - УИН (Unique identifier of charge) or «Индекс документа» field from your tax notice or 0 in case of absence - (104) «КБК» field from your tax notice - (105) «ОКТМО» field from your tax notice - (106) field from your tax notice or 0 - (107) field from your tax notice or 0 - (108) tax document number, if known, or 0 - (109) tax document date, if known, or 0 - (110) field from your tax notice or 0 Figure 22. Entering Interbank transfer details 21

22 22

23 Fill in the fields on the opened page. Press Confirm the operation. You will be asked to input a one-time password with specific number: - either, from a paper list; - or, generated by Mobile Application; - or, generated by the Token 5. Please, input the one-time password and press the button Proceed. In case of successful check by the System of payment details and the one-time password, funds will be debited from the account. The page with a message on successful interbank transfer will open (Figure 23). Figure 23. Successful interbank transfer Press Printable version to receive printable Transfer supporting document (Figure 24). Press Copy to make Transfer using the details of an earlier transfer. Press Cancel the payment order to Cancel transfer (Figure 25). Transfer supporting document Transfer supporting document can be received in two ways: After the transfer (payment order), press Printable version ; Generate a statement for the date of transfer (payment order), click the hyperlink in the "Date" column of the statement in the payment order data line. Press Printable version on the page with details of sent/received payment order. The page with transfer supporting document will open (Figure 24). 23

24 Figure 24. Transfer supporting document Transfer using the Details of Earlier Transfer INTERNET BANK allows to fill in automatically the transfer details with details of your earlier (but not more three months ago) transfer. If you need to make a number of successive transfers with the same details, press "Copy" on the page with the results of successful transfer (Figure 23). If you need to make transfer with details of an earlier transfer, generate account statement for the transfer date. Click hyperlink in the "Date" column of the statement (Figure 12) in the transfer data line. Press "Copy" on the opened page with executed transfer details (Figure 13). As soon as you perform those actions, the page to enter transfer details will open. Fields to enter details will be filled in with the details of the selected transfer. Prior to transfer, make changes, if any. 24

25 Cancel Transfer INTERNET BANK allows to cancel transfers in RUR entered into the System but not yet executed by the Bank. If you need to cancel transfer immediately, press Cancel the payment order on the page with the results of successful transfer (Figure 23). If you need to cancel the transfer, but the page with details of its successful performance is already closed, generate a statement for the transfer date. Click hyperlink in the Date column of the statement (Figure 12) in the transfer data line. Press Cancel the payment order on the page with the executed transfer details (Figure 13). As soon as you perform those actions, page to cancel transfer will open (Figure 25). NB: INTERNET BANK allows to cancel only the transfers not executed by Rosbank. If transfer is executed, apply to Rosbank office to resolve the case with transfer cancellation. Figure 25. Cancel transfer Press Confirm the operation, and enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of payment details and the printed OTP / one-time password, transfer will be cancelled and funds will be returned to the payer s account. The page with the message on successful transfer cancellation will open. Contractual Payment The purpose is to make payments to organisations which have concluded an agreement for transfer of payments in their favour through the INTERNET BANK with Rosbank. You can perform the operation in the following ways: 1) Select Contractual payment on the Main Page (Figure 10) or in ACCOUNTS/CARDS section for the account to be debited in the Available Operations field from the drop down list. 2) Select PAYMENTS AND TRANSFERS top level menu item; select "Contractual" menu item in Transfers in RUR section. 25

26 As soon as you perform any of those actions, page to choose a beneficiary of the contractual payment will open (Figure 26). Figure 26. Selection of contractual payment beneficiary Fill in "Account of payment fields (the field is filled in automatically if operations are performed from the Main Page or "ACCOUNTS/CARDS"), Payment group and Beneficiary. Press "Continue". On the next page enter details and the amount of your payment and press Confirm the operation. Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation press Proceed. In case of successful check by the System of payment details and the printed OTP/ one-time password, the funds will be debited from the account. The page with a message on successful contractual payment will open. Foreign Currency Transfer The purpose is to transfer foreign currency to the account opened with another bank. Operation is available only if you have a foreign currency account with Rosbank. On the Main page of the Service, you can (Figure 27): - either, press the button Payments and Transfers, then follow a link Transfer in foreign currencies - or, from the Available operations menu, select Foreign Currency Transfer command Figure 27. Going to the Foreign currency transfer page 26

27 On the Foreign Currency Transfer page (Figure 28), please fill-in the following form: - any number upon your convenience - your account selected - amount of transfer - currency of transfer - (56*) intermediary bank s requisites. Can be optionally used if mentioned in account details of your Beneficiary. Otherwise, the Bank will use the most appropriate one. - (57*) requisites of the bank holding an account of your Beneficiary - (59*) information on Beneficiary Attention! It is necessary to indicate full information in the fields Full beneficiary s name and Full beneficiary s address of foreign currency transfer. Transfers with insufficient information in this field can be blocked by intermediary bank. - details of payment * 56, 57, 59 standard SWIFT numbering of fields. Can be mentioned in account details of your beneficiary Figure 28. Entering Foreign currency transfer details Fill in the fields on the opened page. To receive information on the procedure for filling in the field, select? button on the right of the field. Press Confirm the operation. You will be asked to input a one-time password with specific number: - either, from a paper list; - or, generated by Mobile Application; - or, generated by the Token 5. Please, input the one-time password and press the button Proceed. In case of successful check by the System of payment details and the one-time password, funds will be debited from the account. The page with a message on successful foreign currency transfer will open. 27

28 Press Printable version and print a transfer supporting document. Non-cash Currency Exchange The purpose is to transfer funds in different currencies on your accounts with Rosbank. The operation is performed at the rate set by the Bank. The exchange rate is displayed in the INTERNET BANK at the time of operation. To view the exchange rate also select Non-cash conversion rates menu item in PAYMENTS AND TRANSFERS in "Currency exchange" section. You can perform the operation in the following ways: 1) Select "Currency exchange" on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the account to be debited in the Available Operations field from the drop down list. 2) Select PAYMENTS AND TRANSFERS top level menu item; select Non-cash currency exchange in "Currency exchange". As soon as you perform any of those actions, page to choose accounts for currency exchange will open (Figure 29). Figure 29. Selection of accounts and entering currency exchange amount Fill in one of the Sell amount or Bay amount fields and press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of payment details and the password, the selected accounts will be converted. The page with a message on successful currency exchange will open. Press Printable version and print currency exchange supporting document CARDS You can perform card operations from the Main Page ("MAIN" menu item) or from "ACCOUNTS/CARDS" section. You can also make service payment in PAYMENTS AND TRANSFERS section. You can receive Card statement in STATEMENTS section. View Card Details To view card details, select Card details on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" section for the card information on which you wish to get in the Available Operations field from the drop down list. The page with parameters of the selected card and information on the card linked accounts will open (Figure 30). 28

29 Figure 30. Card details Service Payment The purpose is to make service payment to mobile telecom operators, Internet providers, television, telephony, utility bills, etc. You can perform the operation in the following ways: 1) Select SERVICE PAYMENT item on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" section for the card to be debited in the Available Operations field from the drop down list. 2) Select PAYMENTS AND TRANSFERS top level menu item; in "SERVICE PAYMENT section select a category of service payment. On the next page, select a beneficiary. The page to enter payment details and amount will open (Figure 31). Figure 31. Entering payment details and amount to make service payment Enter payment details and amount and select the card number and payment account. Press Confirm the operation. Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of payment details and the printed OTP / one-time password, funds will be debited from the account and transferred to the beneficiary. The page with a message on successful service payment will open. Press Printable version and print the payment supporting document. 29

30 Transfer between Cards The purpose is to transfer funds from your bank card to another bank card of Rosbank. Principal accounts of bank cards should be opened in RUR. Funds are transferred online. The total amount of transfers between cards within one calendar month may not exceed RUR 500,000. Service applies to the accounts opened for the residents of the Russian Federation. To perform an operation, select Transfer between bank cards item on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the account to be debited in the Available Operations field from the drop down list. The page to enter data for transfer between cards will be opened (Figure 32). Figure 32. Entering data for transfer between cards Enter the number of the card to be credited, transfer amount and press Confirm the operation. Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of payment details and the printed OTP/ one-time password, funds will be transferred between the cards. The page with a message on successful operation will be opened. Press Printable version and print the transfer supporting document. Change of the Main Card Account The purpose is to change the main account of your bank card. The main card account is the account to be debited for payment with the card for goods and services, and cash withdrawal from ATMs of other banks. To perform the operation, select Order to change the main card account on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the card which main account is to be changed in the Available Operations field from the drop down list. Page to choose the account to be the main one will be opened (Figure 33). Figure 33. Selection of account to be the main one Select the account to be made the main one, and press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of operation parameters and the password, the page with a message on successful operation will be opened. Press Printable version and print the supporting document. 30

31 Card Blocking The operation allows to permanently block your bank card. The card must be blocked in case of loss or theft. After blocking, operations with the use of the card are prohibited. To perform the operation, select Blocking a bank card item on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the card to be blocked in the Available Operations field from the drop down list. Page to confirm card blocking will be opened (Figure 34). Figure 34. Card blocking confirmation Press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the card will be blocked. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Card Unblocking The purpose is to unblock the bank card. The operation allows to unblock only those of your bank cards which were blocked using the INTERNET BANK or Mobile Client-Bank. To perform the operation, select Unblock a bank card item on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the card to be unblocked in the Available Operations field from the drop down list. Page to confirm card unblocking will be opened (Figure 35). Figure 35. Card unblocking confirmation Press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the card will be unblocked. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. 31

32 Application for Re-issue Card The purpose is to re-issue a bank card. Upon completion of the operation, the application for re-issue will be ed to the authorized employee of the Bank. Please, remember that the majority of card types are re-issued automatically after expiration of their validity period. To perform the operation, select Application for re-issue credit card item on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the card to be re-issued in the Available Operations field from the drop down list. Page to enter data for card reissue will be opened (Figure 36). Figure 36. Entering data for card re-issue Fill in the fields and press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the application for card re-issue will be sent to the authorized employee of the Bank. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Application for Issue of a Card The purpose is to send an application for issue of a new bank card. Upon completion of the operation, the application for issue of a card will be ed to the authorized employee of the Bank. To perform the operation, select Application for additional card issue item on the Main Page (Figure 10) or in "ACCOUNTS/CARDS" for the card to be issued in the Available Operations field from the drop down list. Page to enter data for card issue will be opened (Figure 37). 32

33 Figure 37. Entering data for card issue Fill in necessary fields and press "Continue". Important! Cards with customized design may not be ordered using the INTERNET BANK. You can order cards with customized design on Rosbank site Next, fill in the necessary fields (for issue of Visa Classic; Visa Gold; MasterCard Standard; MasterCard Gold cards) and press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the application for issue of a card will be sent to the authorized employee of the Bank. The page with a message on successful operation will be opened. Press Printable version and print the supporting document DEPOSITS You can perform operations on deposits from the Main Page (Figure 10) or DEPOSITS section (Figure 38). Figure 38. Deposits 33

34 You can get Deposit statement in STATEMENTS section. You can perform operations Deposit details, Partial withdrawal from a deposit account, Early withdrawal round-the-clock during weekends and holidays, and during the following periods on business days: From 08:00 a.m. to 10:00 p.m. Moscow time for the Moscow and North-Western regions; From 04:00 a.m. to 09:00 p.m. Moscow time for the West-Siberian region; From 06:00 a.m. to 09:00 p.m. Moscow time for the Central and Southern regions; From 02:00 a.m. to 06:00 p.m. Moscow time for the East-Siberian region; From 00:00 to 03:00 p.m. Moscow time for the Far East region. In the right top corner of "DEPOSITS" you can see the About deposits link to get information on existing deposits. View Deposit Details The purpose is to get detailed information on deposit parameters. To perform the operation, select Deposit details item on the Main Page (Figure 10) or in DEPOSITS section (Figure 38) for the deposit which details you want to see in Available Operations field from the drop down list. Page with deposit parameters will open (Figure 39). Figure 39. Deposit details 34

35 Open deposit Operation is intended for a new deposit opening. The operation will result in funds to be transferred from your current account to the deposit account. The operation can be performed, if you have a personal bank account in the same currency as a deposit opening. The account balance must be not less than minimum deposit amount. To perform the operation on the Main page (Figure 10) or in "DEPOSITS" (Figure 38) choose Open deposit. The page for acceptance of Internet-Banking rules on deposits opening will open (Figure 40). If you already have active deposit opened through Internet Bank Service, the page for a deposit choice will open (Figure 41). Figure 40. Page for acceptance of Internet-Banking rules on deposits opening Please, open and study these Rules by clicking on the Rules link, then check the box (if you agree with the Rules). Checking the box, you agree on conclusion of Agreement about possibility of deposits opening through Internet Bank on terms containing in the Rules. After pressing Continue button the page for a deposit choice will be opened (Figure 41). Figure 41. Page for a deposit choice To choose the deposit, please, click a left mouse button on the deposit interest rate. The page for input the deposit amount and for choosing the bank account from which funds will be transferred to the deposit account will be opened (Figure 42). 35

36 Figure 42. Page for input the deposit amount and for choosing the bank account In the field Debit from account No., please, choose the account from which funds will be transferred to the deposit account. In you have only one account in the deposit currency, this field will be automatically filled with the number of this account without changing possibility. In the field Deposit amount input the deposit amount in figures. For dividing of hundredths use one of the following symbols: ".", "-", "=". If hundredths are equal 00, they can be not indicated. The deposit amount must correspond to the chosen deposit parameters (deposit period and interest rate). In the field Monthly interest add to the Deposit amount ) choose yes or no. If yes the accrued interest will be added monthly to deposit amount and interest capitalization will be made. If no the accrued interest will be transferred monthly to the deposit repayment account (personal bank account). After filling these fields press the button Confirm the operation. The page of the signature of the Deposit opening application will open (Figure 43). 36

37 Figure 43. The page of the signature of the Deposit opening application. On the opened page, enter the login password or the one-time password generated by the Mobile Application or Token. By signing this Application you agree on execution of the Deposit Agreement, which consists of the Deposit Terms («Условия банковского вклада») and the Application. A link for the Terms is situated on the page of the signature of the Application. To perform the operation, press Proceed. In case of successful check by the System of the password and other parameters, the deposit account will be opened, funds will be transferred from the personal bank account (deposit repayment account) to the deposit account, and the page with deposit opening confirmation will be opened (Figure 44). 37

38 Figure 44. Page with deposit opening confirmation Press Printable version and print confirmation document. Cancel Deposit Prolongation The purpose is to cancel deposit prolongation. The operation will result in funds to be transferred from the deposit account to your personal bank account (deposit repayment account) upon expiration of the deposit term. The operation may be performed if according to deposit agreement terms the deposit is prolonged for a new term after expiration of the deposit term. To perform the operation select Cancel deposit prolongation item on the Main Page (Figure 10) or in «DEPOSITS» section (Figure 38) for the deposit which prolongation is cancelled in Available operations field from the drop down list. Page to confirm deposit prolongation cancellation will be opened (Figure 45). 38

39 Figure 45. Confirmation of deposit prolongation cancellation Press Confirm the operation. Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP/ one-time password, deposit parameters will be automatically changed. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Partial Withdrawal from Deposit The purpose is to transfer a part of deposit s funds to the deposit repayment account. The operation may be performed if according to deposit agreement terms partial withdrawal from the deposit prior to expiration of its term is permitted. The amount of partial withdrawal is limited according to deposit agreement terms. To perform the operation, select Partial withdrawal from a deposit account item on the Main Page (Figure 10) or in DEPOSITS section (Figure 38) for the deposit the partial in Available operations field from the drop down list. The page to enter the amount to be withdrawn will be opened (Figure 46). Figure 46. Entering amount to be withdrawn Enter the amount to be withdrawn and press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the amount to be withdrawn will be transferred from the deposit account to the personal bank account (deposit repayment account). The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Early Withdrawal of Deposit The purpose is to withdraw the deposit before the expiration of its term. The operation will result in the deposit amount transfer from the deposit account to the deposit repayment account, the deposit account is closed. If you need to transfer only a part of deposit, use "Partial withdrawal from a deposit account". To perform the operation, select Early withdrawal item on the Main Page (Figure 10) or in DEPOSITS section (Figure 38) for the deposit to be withdrawn in Available operations field from the drop down list. Page with confirmation of deposit early withdrawal will be opened (Figure 47). 39

40 Figure 47. Confirmation of deposit early withdrawal Press Confirm the operation. Enter login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, all the funds from the deposit account will be transferred to the personal bank account (deposit repayment account). The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Deposit Replenishment The purpose is to replenish the deposit by transfer of funds from the account opened with Rosbank to the deposit account. It can be performed if replenishment is provided for by deposit agreement terms. To perform the operation, select Deposit replenishment item on the Main Page (Figure 10) or in DEPOSITS section (Figure 38) for the deposit to be replenished Available operations field from the drop down list. Page to fill in details for deposit replenishment will be opened (Figure 48). Figure 48. Entering details for deposit replenishment If the deposit account and replenishment account are opened in one currency, deposit is replenished by Transfer between own accounts. If the deposit account and replenishment account are opened in different currencies, deposit is replenished by Noncash currency exchange. Fill in operation details and amount and press Confirm the operation. Enter the login password or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the amount will be transferred to the deposit account. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. 40

41 Non-cash Conversion in Deposit Accounts "Мультивалютный (Multi-currency) The purpose is non-cash conversion in Multi-currency deposit accounts. The operation is performed at the rate set by the Bank. The exchange rate is displayed in the INTERNET BANK at the time of operation. To perform the operation, select Non-cash currency exchange on the Main Page (Figure 10) or in DEPOSITS section (Figure 38) for the multi-currency deposit on which accounts the non-cash conversion is required in Available operations field from the drop down list. Page to enter the amount and select accounts for non-cash currency exchange will be opened (Figure 49). Figure 49. Entering amount and selection of accounts for non-cash currency exchange Select the accounts, enter buy or sell amount and press Confirm the operation. Enter the printed OTP or the onetime password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP / one-time password, funds will be transferred to the deposit accounts. The page with a message on successful operation will be opened. Press Printable version and print the supporting document LOANS Loan operations are performed from the Main Page (Figure 10) or "LOANS" section (Figure 50). Figure 50. LOANS Loan details operation is carried out round-the-clock on days-off and holidays, and during the following period on the business days: From 08:00 a.m. to 10:00 p.m. Moscow time for the Moscow and North-Western regions; From 04:00 a.m. to 09:00 p.m. Moscow time for the West-Siberian region; 41

42 From 06:00 a.m. to 09:00 p.m. Moscow time for the Central and Southern regions; From 02:00 a.m. to 06:00 p.m. Moscow time for the East-Siberian region; From 00:00 to 03:00 p.m. Moscow time for the Far East region. View Loan Details The purpose is to receive the detailed information on parameters of all loans issued in your branch of Rosbank. To perform the operation, select Loan details on the Main Page (Figure 10) or in "LOANS" section (Figure 50) in the Available operations field from the drop down list. Page with the information on your loan parameters will be opened (Figure 51). Figure 51. Loan details Loan Repayment The purpose is to make payment on the loan issued by Rosbank. To perform the operation, transfer the payment amount from your personal bank account to the loan repayment account. To perform the operation, select Loan payment on the Main Page (Figure 10) or in "LOANS" section (Figure 50) in the Available operations field from the drop down list. Page to fill in loan payment details will be opened (Figure 52). Figure 52. Loan repayment details 42

43 If the loan repayment account and debit account are opened in one currency, the loan is repaid by Transfer between own accounts. If the loan repayment account and debit account are opened in different currencies, the loan is repaid by Non-cash currency exchange. Select the accounts, enter the operations and press Confirm the operation. Enter the login password or the onetime password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the password, the amount will be transferred from the debit account to the loan repayment account. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Send Loan Application You can send a loan application without contacting Rosbank office. To send the application, select the link in the right top corner of LOAN section (Figure 50). You may send loan applications under the following programs: Urgent needs loan; Bank card loan (overdraft); Mortgage; Car loan INTERNET BANK SET UP INTERNET BANK is set up from User profile (Figure 53). To go to the specified page, select "Profile menu item in the right top corner of each System page. Figure 53. User profile Set up Login by Mobile Phone Number The purpose is to enter / change of a phone number to log in the INTERNET BANK. In addition, to receive the onetime passwords, download and personalize the Mobile Application on your mobile phone. Procedure for installation and personalization of the Mobile Application is set forth in Attachment 2 and Attachment 3 to the User Manual. By using Mobile Application, you can receive the one-time passwords without SMS. Entry of 6-digit passwords is much more convenient than entry of 16-digit printed OTP from the list. To perform the operation, select Profile menu item. Select Changing parameters of the system in User Profile (Figure 53). Page with system parameters will be opened (Figure 54). 43

44 Figure 54. System parameters Enter a mobile phone number in the Number of the mobile phone with mobile software for generation of onetime passwords field and press "Continue". NB: Direct phone number should be entered along with the federal code to be specified from the mobile telecom operator. Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP/one-time password, the mobile phone number will be registered in system parameters. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Set up Notifications of Operations in the INTERNET BANK The purpose is to change the procedure for sending notifications on operations in the INTERNET BANK to the address and change address for notifications. To perform the operation, select Profile menu item. Select Changing parameters of the system in User Profile (Figure 53). Page with system parameters will open (Figure 54). Fill in " address" and Notification delivery option fields and press "Continue". Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP / one-time password, system parameters will change. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. OTP Generation The purpose is to receive the list of printed OTP without contacting Rosbank office. Once OTP are generated, all printed OTP received earlier become void. To perform the operation, select Profile menu item. Select Generation OTP in User Profile (Figure 53). Page to enter the quantity of OTP will be opened (Figure 55). 44

45 Figure 55. Entering OTP quantity Specify the quantity of OTP to be generated (but not more than 100) and press Confirm the operation. Enter the requested OTP and press Proceed. The page of receipt of OTP list will be opened (Figure 56). Figure 56. OTP list receipt Press Print OTP list. The page with OTP list to be printed will be opened (Figure 57). Figure 57. OTP list After printing, close the page with OTP list. On the page with OTP list (Figure 56), press Confirm the operation. Enter OTP and press Proceed. In case of successful check by the System of OTP, the page with a message on successful operation will be opened. Token Unblocking The purpose is to unblock the Token blocked after 5 incorrect attempts to enter a Token PIN. 45

46 Important! Token may be unblocked not more than 3 times. After the fourth blocking the Token fails. To receive a new Token, you need to apply to the Bank s office. Fee is charged for a new Token as per the Bank s tariffs. To perform the operation, enter Token number on the log-in page using your Token (Figure 7) and press "Continue". Select the link for token unblocking in the bottom right corner page to enter the one-time password (Figure 9). The page to enter the blocked Token code will open (Figure 58). Figure 58. Entering the blocked Token code Enter the last 8 digits of your identification card number, PIN-2 code, a blocked Token code (on Token display after its switch on) and press Receive the unblocking code:. Page with unblocking code (eight-digit number) will be opened. Press the arrow button (bottom right) on the Token and enter the specified number. If unblocking code is entered correctly, the invitation to enter a new Token PIN-code (NEW PIN) will appear on the Token display. Application to Customer Service The purpose is to send an application to the INTERNET BANK technical support service to get advice on technical matters regarding operations in the System. Applications are processed not automatically (by an employee of Rosbank), so, it takes some time. To perform the operation select "Profile" menu item. Select Application to customer service in User Profile (Figure 53). Page to enter the application with contact information will be opened (Figure 59). Figure 59. Entering application text and contact information 46

47 Describe the problem. Fill in the fields with contact information and press "Continue". The application will be sent to the ITERNET BANK technical support service. The page with a message on successful operation will be opened. System Block The purpose is to block work in the INTERNET BANK. Blocking is necessary in case of loss, theft or unauthorized copying of the information about PIN-2 code and/or password and/or OTP and/or Token loss. Work in the INTERNET BANK may be unblocked only personally in Rosbаnk office. To perform the operation, select "Profile" menu item. Select System block in User Profile (Figure 53). The page to select blocking mode will be opened (Figure 60). Figure 60. Blocking mode selection Select a System blocking mode (all operations or only active operations) and press "Continue". Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP/ one-time password, work in the System will be blocked. The page with a message on successful operation will be opened. Press Printable version and print the supporting document SET UP THE MOBILE CLIENT-BANK SYSTEM Subscribe to the Mobile Client-Bank System The operation allows you to subscribe to Mobile Client-Bank remote banking system. You can read description of the system functions and capabilities on Rosbank site (section: Individual clients->remote banking services). To perform the operation, select Profile menu item. Select Set up the Mobile Client-Bank system in User Profile (Figure 53). Page to enter a mobile phone number will be opened (Figure 61). Figure 61. Mobile phone number entering 47

48 Enter a mobile phone number to be subscribed to Mobile Client-Bank System and press "Continue". NB: Direct phone number should be entered with a federal code. You can specify a federal code from the mobile telecom operator. The page to enter work parameters in Mobile Client-Bank System will be opened (Figure 62). Figure 62. Entering Mobile Client-Bank System parameters Fill in the fields and press "Continue". By choosing "Yes" in the Enable settlement transactions and bank card transactions field, you can perform settlement transactions and bank card transactions in the Mobile Client-Bank System. To perform settlement transactions, install and personalize the Mobile Application on the mobile phone. The procedure for downloading and personalization of the Mobile Application is posted on the Bank s site (section: Individual clients-> Remote banking services-> Mobile Client-Bank). Press Confirm the operation. Enter the printed OTP or the one-time password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP/one-time password, you will be subscribed to Mobile Client-Bank System. The page with a message on successful operation will be opened. Press Printable version and print the supporting document. Change of Parameters of Mobile Client-Bank System The purpose is to change work parameters of Mobile Client-Bank System. To perform the operation, select Profile menu item. Select Set up the Mobile Client-Bank system in User Profile (Figure 53). Page to enter a mobile phone number will open (Figure 61). Enter the number of your mobile phone subscribed to Mobile Client-Bank System which work parameters in the System you wish to change. Press "Continue". NB: Direct phone number should be entered with a federal code. You can specify a federal code from the mobile telecom operator. Page with current Mobile Client-Bank System parameters will open (Figure 63). 48

49 Figure 63. Current Mobile Client-Bank System parameters Press Change parameters. The page to change Mobile Client-Bank System parameters will open. Change work parameters and press "Continue". Press Confirm the operation. Enter the printed OTP or the onetime password generated by the Mobile Application or Token 5. To perform the operation, press Proceed. In case of successful check by the System of the printed OTP /one-time the password, Mobile Client-Bank System parameters will be changed. The page with a message on successful operation will be opened. Press Printable version and print the supporting document SET UP PHONE BANK You can set up authentication parameters of Phone Bank in the INTERNET BANK. Authentication parameters of Phone Bank are TPIN or answers to security questions. The specified data are requested at log in the Phone Bank. Authentication parameters are confidential data. To ensure security, keep these data excluding access to them by third parties (including employees of the Bank). You can enter and change TPIN or answers to security questions if you have entered into the Phone Bank service agreement at Rosbank office. To install authentication parameters, select "Profile" menu item. Select Set up details to be requested to log into the Phone Bank in User Profile (Figure 53). The page to select authentication parameters to be entered /changed will be opened (Figure 64). 49

50 Figure 64. Selection of authentication parameters for installation Set up TPIN The purpose is to enter or change TPIN to be requested at log in the Phone Bank when you work in the self-service mode. To perform the operation, select Set up TPIN on the page to select authentication parameters for installation (Figure 64).The page to enter/change TPIN (Figure 65) will be opened. Figure 65. TPIN entry/change In the TPIN (a random 6-digit code) field, enter 6-digit TPIN. TPIN should not consist of a set of the same digits (e.g., , , etc.) or consecutive digits (e.g., , , etc.). In the field TPIN (re-enter) repeat TPIN and press "Continue". If you have correctly entered the data, TPIN will be installed. The page with the results of TPIN successful saving will be opened. Set up Answers to Security Questions The purpose is to enter or change answers to security questions to be requested at log in the Phone Bank with the help of the Bank s employee. To perform the operation, select Set up answers to security questions on the page to select authentication parameters for installation (Figure 64). The page to enter/change answers to security questions will be opened (Figure 66). Figure 66. Set up answers to security questions 50

51 Enter answers to questions. You need to enter answers to not less than three questions. Press "Continue". If you have entered correct data, answers to security questions will be set. The page with the results of successful saving of answers to the questions will be opened DATABASE OF BANKS OF THE RUSSIAN FEDERATION The purpose is to receive information on details of the banks of the Russian Federation (bank name, city, BIC, correspondent account). To perform the operation, select "Databases" menu item in "Services". The page to enter data for bank search in the database will be opened (Figure 67). Figure 67. Entering data for bank details search in the database To search the bank in the database, enter information on its details into one or several fields ( BIC, Correspondent account, Bank, Location ) and press Set filter. You will see on the screen the list of the banks meeting the selection criteria. For convenience of search, the database of banks can sort out the list with details of the banks in the selected field ( BIC, Correspondent account, Name, Location ). Click the left mouse button on the field name to sort out the list of banks. 6. TARRIFS FOR USING INTERNET BANK Subscription fee of the INTERNET BANK and the subscriber s fee for using the INTERNET BANK are not charged. The majority of operations in the INTERNET BANK are free of charge. Fees for paid operations are much lower than the fees for the operations when you apply to Rosbank office. The fee to connect one Token to the System is RUR 500. See more on the tariffs of the INTERNET BANK on Rosbank site ( 51

52 Attachment 1. List of operations of the INTERNET BANK Information operations: o View information on account or deposit balance; o Statement of account (option to export to ofx, qif, csv files and receive statement in pdf) 1 ; o RUR transfer supporting document; o View account details. Settlement operations: o Transfer between own accounts; o Intrabank transfer; o Interbank transfer; o RUR transfer cancellation; o Service payment 2 ; o Foreign currency transfer: o Contractual payment (transfer to the organisations which have concluded the payment receipt and transfer agreement with Rosbank) o Non-cash currency exchange. Bank card operations: o View card details; o Receipt of card statement (option to receive statement in pdf); o Transfer between cards; o Application for disagreement with card transaction; o Change the main card account; o Card blocking; o Card unblocking; o Application for card re-issue; o Application for card issue. Deposit operations: o Open deposit; o View deposit details 1 ; o Deposit prolongation cancellation; o Partial withdrawal from deposit account; o Deposit early withdrawal 1 ; o Deposit replenishment; o Non-cash conversion in Multi-currency deposit accounts. Loan operations: o View loan details 1 ; o Loan repayment; o Send loan application. INTERNET BANK set up o Set up login using mobile phone number o Set up notifications of System operations o OTP generation o Token unblocking o Application to the customer service o System blocking Mobile Client-Bank System set up: o Subscription to Mobile Client-Bank System; o Mobile Client-Bank System settings; o Enter order-template of the Mobile Client-Bank System; o Delete order-template of the Mobile Client-Bank System. Phone Bank System settings: o TPIN set up; o Set up answers to security questions. 52

53 Attachment 2. Receipt of one-time passwords using Mobile Application installed on mobile phone (Java-application, applications for Windows Mobile and Android) To receive one-time passwords using Mobile Application, download and personalize Mobile Application on your mobile phone. You can receive one-time passwords using Mobile Application by performing Set up login by mobile phone number if you indicated your mobile phone number for generating one-time passwords when you entered into the INTERNET BANK service agreement or registered the mobile phone. NB! If you are a user of the Mobile Client-Bank System and you have installed the Mobile Application on the mobile phone, personalize the Mobile Application again to generate one-time passwords in the Mobile Application. 1. Downloading Mobile Application on your mobile phone There are two options to download Mobile Application to your mobile phone: Using your mobile phone via Internet connection (including GPRS/3G). Using computer Downloading Mobile Application using your mobile phone via Internet connection Downloading Java-application and application for Windows Mobile To install and ensure functionality of application for Windows Mobile, Windows Mobile 5.0 Pocket PC Phone/Smartphone; Windows Mobile Standard/Professional should be installed on your mobile phone. To download Mobile Application, perform the following actions: Open mobile phone browser. Select Go to URL ("Address"). Enter and select Download. Download Mobile Application on your mobile phone. Specify in the phone menu the section to download Mobile Application (if necessary). To run Mobile Application, enter in the menu the section specified for downloading, select and open Rosbank application Downloading application for Android To install and ensure functionality of application for Android, Android version 2.2 or higher should be installed on your mobile phone. Downloading Mobile Application for Android from Google Play You can download Mobile Application using Google Play according to Google Play instructions. Important! To download the Mobile Application from Google Play, you need to have Google Account. If you do not have it, you will be offered to create the account when downloading the selected Application. You can download Mobile Application using Google Play with the following actions: Open Play Market on your mobile device; Authorize (enter user name and password) or create an account; Enter application name Rosbank in search line and press Search ; Press "Install"; When you receive a notice that the Application requires access to personal data or certain functions or settings of the device, press «OK». Application is saved automatically in All applications Downloading Mobile Application using computer 53

54 For phone models which technical capabilities do not enable to download Mobile Application through the protected connection with the Internet and check security certificates and for the devices with OS Windows Mobile, the Bank offers to download the Mobile Application using a computer with subsequent downloading the Mobile Application to the mobile phone through phone interfaces (data cable, Bluetooth, infrared port, flash card, etc.). In this case, it is recommended to check the security certificate of the Bank s site using standard tool of the Internet browser installed on the client s computer. Before downloading Mobile Application, the Bank recommends to go to and make sure that the certificate is issued by VeriSign Class 3 Secure Server CA - G3. When using Internet Explorer, to check the certificate when viewing the page select "File" and "Properties" in the menu, then press "Certificates". To download the Mobile Application to the phone, you may need to install proprietary software on the personal computer from the disk provided with the phone. Relevant information on software installation is in the instruction to the mobile phone. You can also contact a phone manufacturer (respective sites of manufacturers can be found on the Internet). Addresses to request Mobile Application: Java application in Russian Java application in English Application for Windows Mobile in Russian Application for Windows Mobile in English Important! If you have downloaded Mobile Application using data cable, before running Mobile Application disconnect your phone from the computer. 2. Running Mobile Application To run Mobile Application, enter the menu item specified during downloading and select Rosbank. When running Mobile Application, the phone may request confirmation of the user to run Mobile Application and additional authorization for Mobile Application to receive/send messages. Confirm. Once confirmations are received, the phone starts downloading Mobile Application. During downloading Mobile Application icon is displayed on the phone, where you can see downloading progress line in the bottom. Process to download the Mobile Application can take seconds. Successful Mobile Application running displays the menu to personalize Mobile Application. 3. Mobile Application personalization Once you run the Mobile Application, request to personalization is automatically displayed on the screen. Fill in the following fields for personalization: Last 4 digits of card number. Enter the last 4 digits of your identification card number; PIN2. Enter identification card PIN-2 code: 16-character alphanumeric sequence (indicated in PIN-envelope given together with an identification card); "Password". Enter the password you will use to perform operations. The password is not passed to Bank and known only to you. The password may contain from 4 to 16 random characters. It is not recommended to install PIN-code, SMS-PIN or other confidential data as a password; "Number". Enter the phone number to send your requests generated using the Mobile Application: main; 1 st additional; 2 nd additional Bank short number is used as the main number (by default). If the operator does not support number, you need to select any of the two additional numbers. 4. Generating the one-time password 54

55 Code generation is used to receive the one-time password for access to the INTERNET BANK using the mobile phone number. Confirm active operations in the System. To perform an operation, select consecutively Internet Bank Mobile Application menu item -> Code Generation. Enter the one-time password identifier displayed in the INTERNET BANK and your password. Mobile Application will generate 6-digit one-time password to enter in the INTERNET BANK in One-time password field (Figure 6 of the INTERNET BANK User Manual). 6. Unblock the INTERNET BANK (service activation) If you have entered the one-time password incorrectly three times in a row, your access to the INTERNET BANK using the mobile phone number is blocked, to unblock, use Service Activation in the Mobile Application. To perform the operation, select consequently Mobile Application menu items -> Service Activation and enter the password. 55

56 Attachment 3. Receipt of one-time passwords using Mobile Application installed on Apple iphone To receive one-time passwords using Mobile Application, download and personalize Mobile Application on your Apple iphone. You can receive one-time passwords using Mobile Application by performing Set up login using mobile phone number if you indicated your mobile phone number for generating one-time passwords when you entered into the INTERNET BANK service agreement or registered the mobile phone. To install and ensure functionality of application for Apple iphone, ios version 4.3 and higher should be installed on the mobile phone. 1. Downloading Mobile Application to Apple iphone There are several options to download Mobile Application to your device: Downloading from your mobile device. Downloading from computer. Important! If the user interrupts installation of the Mobile Application, its operability is not guaranteed. In this case the user should repeat installation procedure Downloading Mobile Application from mobile device You download the Mobile Application on the device from App Store via the Internet connection. Before downloading make sure that the device has access to the Internet. Important! To download the Mobile Application from App Store resource online, you should have Apple ID. If you do not have it, you will be offered to create the account when downloading the selected Mobile Application. To download the Mobile Application from App Store, perform the following actions: Open App Store on your mobile device. Enter "Rosbank" (Mobile Application name) into the search line and press "Search". On the page with description of Mobile Application, press "FREE". Enter Apple ID password into the authorisation form (if you are registered on the resource) or create the account (if you do not have an account on the resource). Mobile Application is installed automatically Downloading Mobile Application using personal computer You can download Mobile Application for iphone using the personal computer on the Internet from App Store with the help of itunes installed on the computer. To download the Mobile Application using the personal computer, perform the following actions: Open itunes on the personal computer. Go to itunes Store. Enter Mobile Application name ("Rosbank") into the search line and press "Search". On the page with description of Mobile Application press "Free". Enter the App Store account data into the authorisation form (if you are registered on the resource) or create the account (if you do not have an account on the resource). Mobile Application is saved in the personal computer. Connect iphone to the personal computer. Synchronise with the personal computer (by default, iphone performs synchronisation each time you connect to itunes; if automatic synchronisation is switched-off, synchronised with the personal computer manually). Mobile Application will be automatically installed to iphone. 56

57 2. Running Mobile Application To run Mobile Application, enter the menu and select Rosbank icon. When loading the Mobile Application, the downloading indicator is displayed on the screen. Process to download the Mobile Application can take seconds. Successful Mobile Application running displays the menu to personalize Mobile Application. 3. Mobile Application personalization Mobile Application is personalized in two stages: 1) Receipt of one-time verification password; 2) Personalization. To receive one-time verification password, send SMS with the text Iphone to Bank s special short number 2532 (if the operator supports 2532 short number) or one of the two numbers or You will get SMS from the Bank with one-time verification password for personalization consisting of 8 digits. To personalize, perform the following actions: Enter "Personalization"; Fill in the fields: Your phone number (10 digits) ; Last 4 digits of card number» (you need to enter the last 4 figures of your identification card number); PIN2 (Identification card PIN-2 code given in the PIN-envelope together with the card); One-time password (one-time verification password (8 digits) received from the Bank in the SMS); Press Send request ; Make up and enter the Password. The password is not passed to the Bank and known only to the user. The password may contain from 4 to 16 random characters. Remember the Password. Further, you will use it to confirm requests in Mobile Application Press Send request. Important! Personalization of the Mobile Application using one-time verification password received by SMS is possible within 10 minutes from SMS receipt. If you have received the message that one-time verification password is void or its value has become outdated, request it again. 57

58 5. Generating the one-time password Code Generation is used to receive the one-time password for access to the INTERNET BANK using the mobile phone number, and confirm active operations in the INTERNET BANK. To perform an operation, select consecutively Internet Bank Mobile Application menu items Payments-> Internet Bank -> Code Generation. Enter the one-time password identifier displayed in the INTERNET BANK and your password (as set at Mobile Application personalization). Mobile Application will generate 6-digit one-time password you enter on the INTERNET BANK screen form in the One-time password field (Figure 6 of the INTERNET BANK User Manual). 6. Unblocking the INTERNET BANK (service activation) If you have entered the one-time password incorrectly three times in a row, your access to the INTERNET BANK using the mobile phone number is blocked, you need to perform service activation. To perform the operation, select consequently Internet Bank Mobile Application menu items Payments-> Internet Bank -> Service Activation and enter the Password set at Mobile Application personalization. 58

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