Raiffeisen DirektNet Internet Banking. Users Manual

Transcription

1 Raiffeisen DirektNet Internet Banking Users Manual 05. aug. 2011

2 Table of Contents TABLE OF CONTENTS INTRODUCTION TECHNICAL PREREQUISITES ACTIVATION, LOGIN RAIFFEISEN DIREKTNET SERVICES ACCOUNT OVERVIEW ACCOUNT STATEMENTS ACCOUNT BALANCE DETAILS ACCOUNT HISTORY OWN VIEW ORDER MANAGEMENT SMS, Token signature Confirm Transaction with Token, SMS List of Saved Orders A Detailed Description of Order Forms Transfer to HUF Account Transfer to securities account Transfer to Domestic FX Account and Foreign account Foreign currency transfer to securities account SEPA transfer Standing Orders Open Time Deposit Cheque payment Direct debit Credit card top-up Special foreign exchange conversion MANAGE BENEFICIARIES ADMINISTRATION TELEPHONE NUMBER TO SMS SIGNATURE ASSIGNING A NEW PHONE NUMBER TO THE SMS PASSWORD TELEPHONE NUMBER FOR MOBILE NOTIFICATION CHANGE PASSWORD SIGN UP FOR NEWSLETTER NOTIFICATIONS

3 Table of Contents 7. SECURITY RECOMMENDATIONS SECURITY ELEMENTS OF DIREKTNET SECURITY RECOMMENDATIONS

4 Introduction INTRODUCTION Dear Customer, Welcome to Raiffeisen DirektNet. We have developed this service to enable our customers to administer their financial affairs quickly and efficiently, anytime and from anywhere. We hope you will like the services of Raiffeisen DirektNet, and it shall contribute to our successful co-operation. This users guide has been prepared in order to make it easier for you to get acquainted with the use of the system. Should you have any question relating to the use of Raiffeisen DirektNet after reading this users manual, please call our telephone customer service Raiffeisen Direkt at phone number (that may be called for local charges from anywhere in Hungary). 4

5 Technical Prerequisites 1. TECHNICAL PREREQUISITES The DirektNet Internet Banking service is optimised for the following browser programs: Microsoft Internet Explorer 8 Netscape 9.0, or any later version Opera 9.64, or any later version Mozilla or any later version, irrespective of platform. Please allow javascript run in your browser program, because the system operates among others with client side scripts. 5

6 Activation, Login 2. ACTIVATION, LOGIN Before your first access to the DirektNet service, you must activate it. If you already have a 8-digit Direkt ID and a 4-digit Direkt PIN code, as well as an already concluded DirektNet agreement, you may do the activation by clicking on the DirektNet Login button in our website From 30 October 2010 onwards, instead of a PIN card, in order to begin using the service you will need an activation code, sent to you in an SMS text message. The activation code will be sent to the mobile telephone number provided by you and listed in the bank s records. The activation code is a four-digit, single-use code consisting only of numbers (DirektNet activation code), which you can use to activate our DirektNet service. You will be able to use your existing D-PIN code ONLY once. After this, following successful identification, you may request a DirektNet activation code via Raiffeisen Direkt; or alternatively please visit any branch of Raiffeisen Bank. The DirektNet activation link is available on the DirektNet login page. 6

7 Activation, Login Step 1: Click on the DirektNet activation link, then enter your Direkt ID and DirektNet activation code received from the bank in the window that appears. Step 2: Following the instructions, enter the login password chosen by yourself by which you wish to access the DirektNet system in the future. Please note: The password must be minimum 8 characters long, and must contain both upper and lower case letters as well as at least two numbers (e.g. Zb41xk ). Accented letters and special characters may not be used If activation is done, the program will inform you of this as seen in the picture, offering you to log in to the DirektNet system at the same time. 7

8 Activation, Login To log in, you must use now as well as any time in the future your Direct ID provided by the bank and the password you have chosen yourself in Step 2. If you forget your password, then following successful identification you may request a new DirektNet activation code via Raiffeisen Direkt; or alternatively please visit any branch of Raiffeisen Bank. More detailed information is available from 8

9 3. RAIFFEISEN DIREKTNET SERVICES Using the DirektNet system, you may access the following services: connected to account information: detailed balance information of current accounts kept in HUF and foreign currencies customisable transaction journal on items that are being processed, items with a value date, and booked items outstanding and matured deposits account statements related to transactions: domestic and cross-border transfers in HUF and foreign currencies special foreign exchange conversion SEPA transfer cheque payment standing orders time deposits direct debit Credit card top-up 9

10 3.1. Account overview The list above shows your accounts. The meaning of the different fields are the following: Type: Possible account types: Bank account: your bank account. Time deposit account: an account of a technical nature, wherein your time deposits are recorded. Credit account: the balance of the account associated with your credit card 10

11 Private Banking customers also have access to 7-day (CW) and 14-day (CT) call accounts. These pay higher interest, but deposits need to be fixed for a minimum of one or two weeks. These accounts may also be denominated in EUR or USD. The minimum sum that can be deposited in such an account is specified in the currently valid list of terms and conditions. Account number: In the case of HUF accounts, a 24-digit, complete series of numbers shall appear (the so-called GIRO number ). In the case of accounts kept in foreign currencies, the short format used at the bank is seen, and the international bank account number (IBAN) is displayed below it. Status: You may access your account only if it has an active status. Accounts under collection are displayed on the DirekNet interface, and their balances can be viewed in the transaction log. Payments may not be initiated from these accounts Available balance: The balance of the given account, the monies available to you in the given account. By clicking on the selected account, you may display further balance and transaction details. 11

12 3.2 Account statements You can retrieve your bank statements going back for more up to a year, in PDF format. Electronic statements are identical in both form and content to the paper statements sent in the post. However, they do not qualify as accounting documents in accordance with Act C of 2000 on Accounting. 12

13 3.3. Account balance details Depending on the type of the selected account, different data shall be displayed. Selected account: The 24-digit GIRO account number shows the number of the account you have selected. Booked account balance: The balance available in your current account, without overdraft credit and the items not yet booked. Account credit limit: In addition to your account balance, this amount is also available to you. Blocked amounts: The amount of these items is still in your account, but you may not dispose of it any longer. Such items may be e.g. transfer orders given with a future value date, car rental, hotel reservation. Accrued amount: The bank has already received these incoming items, but has not booked them yet. Such items may be e.g. transfers from another account kept in a different currency (e.g. a cross-border transfer from an account kept in euros to your HUF account). Available account balance: The total amount of monies available to you. Accrued interest: Amount of the interest computed on the basis of the balance of the account. This amount has not been actually credited to your account. Actual crediting shall take place upon the closing of the quarter.. 13

14 3.4. Account history The account history below the balance data shows the cash flows taking place in your account, along with the dates of the transactions. Account history is limited to a one year period, however a maximum of 500 records can be displayed.you may as well filter the account history in several different ways by creating so-called own view. You may create a view that only shows incomes or expenses, or transfers to a specific account. The Account history view box shows which view of the transaction journal is loaded at the moment. For more information on views, you may want to consult the next section ( Own view ). The transaction journal consists of two major parts: 14

15 Items to Be Booked: Here you can see the pending items that have not been booked yet in the system. Such items may be a debit order that you want to be executed on a future value date, or a bankcard transaction, or a standing transfer order waiting to be executed on the assigned date. Booked Items: It shows the transactions (cash flows) that have been actually booked in the bank s system. The meaning of the displayed fields are the following: Type: Type of the financial transaction. Date: The date when the cash flow was recorded in the bank s system. Amount: The amount of the cash flow. Debits are shown with a negative ( ) and credits with a positive (+) sign. Transaction partner: The beneficiaries name and account number. Note: Comments on order Details: If you click on the appear in the order detailed information. 15

16 3.5. Own view By selecting the appropriate view, you may decide which items are to be shown by the transaction journal. In addition to the default view, you may as well create your own views with specific criteria. You may access the window that enables you to enter the filter criteria by clicking directly on the Own view link below the balance data of the selected account. The meaning of the fields are the following: Date range: If you want to restrict the items of the transaction journal to a period between two dates complete the From and To fields or use the calendar icons. Transaction partner: You may also search your previous payments based on the data of the other party to the transaction. You may select a previously saved beneficiary, or even enter just a part of the beneficiary's name or account number using the keyword search function. Transaction direction: Debit or credit are displayed. Save view: Your filter criteria specified by the description of a save. 16

17 3.6. Order Management Order management consists of the following major steps: 1, Entering orders 2, Signing orders 3, Sending orders to the bank To enter orders, select the from the top of menu bar Then select the order type by clicking on the appropriate line of the DirektNet menu displayed on the left side of the screen: HUF transfer domestic HUF orders Special foreign exchange conversion FCY transfer -- domestic FX, and cross-border transfer orders SEPA transfer Cheque payment Standing orders Direct debits Credit card top-up As a result, the order form appears, by completing which you may enter the order. Since the form to be completed in the case of the different orders has a different layout, the fields to be completed are described in detail in Section 3.6. Having completed the order form, if you click on the Register next order button, the item shall be saved, and a new order form shall appear, where you may enter the next item. After you have entered the last item, if you click on the Sign orders button, the item shall also be saved, but instead of a new order form you will get to the Saved transactions, where you may execute further operations in respect of the orders. PLEASE NOTE: If you do not send a saved order to the bank within 30 days, the system shall automatically delete it. If you modify an order, the 30-day storage time restarts. 17

18 SMS, Token signature - Transactions initiated via DirektNet can be signed in one of two ways: with a Token or an SMS password. - After login to DirektNet, a signature using the Token is required for the approval of each electronic transfer Confirm Transaction with Token, SMS -- The Token is a password-generating device that guarantees the complete safety of internet bank transfers. This device allows you to sign and authenticate the transfers you issue via Raiffeisen DirektNet. The Token supplies a one-time unique password (valid for 30 seconds) that confirms the transfers given via DirektNet. On the Confirm Transaction screen select Token from the signature tools field. Switch on the Token and type in the PIN code. Type in the 8-digit TRANSACTION CODE that you can see on the Raiffeisen DirektNet transfer interface, and press the button for 3 seconds. The display will show the 8-digit Token code required for the signature. Type the 8- digit code into the Raiffeisen DirektNet interface in order to confirm the transfer. You have 20 seconds to enter the code; afterwards the device switches off. If the password is not entered during this time, please switch on the device again and type in the transaction code again. After you log on to DirektNet, we send you one password for the approval of each electronic transfer in a text message to the mobile phone number on record with our bank. On the Signature page select the SMS password in the Signing tool field. Afterwards you will receive the code required for approving the transaction to the mobile phone number on record in our system. This code must be typed into the Signing tool field. 18

19 The SMS password received is valid for the given transaction, that is, if you wish to initiate another transaction, you will need a new SMS password. (There is a limit of 10 transfers per day.) The mobile telephone number registered in our system can be changed via our 24-hour Raiffeisen Direct customer service call centre, on If you click the Sign button, the order may be sent to the bank after signature. In the Confirmation page that appears then, the successful completion of the transaction will be confirmed for you or if the transaction failed you will be informed of the reason for the failure. 19

20 List of Saved Orders After login, among the notices in the main page you can see a short summary of the orders that you have saved but have not sent to the bank yet. If you click on the appropriate button, you may access the following detailed List of Recorded orders: You may rearrange the table as you wish by clicking on the up/down arrows in the header. By clicking on the appropriate line of the table, you may display the detailed data of the given order, as well as execute diverse operations concerning the orders: 20

21 Modify: By clicking on this button, you may change the data of the order. As a result of the modification, all signatures attached so far to the order (if any) shall be deleted, and the status of the order shall be waiting for signature. Delete selected orders: It serves to delete the selected orders. Sign selected orders-: If you click on the Send selected orders button, you will again get to a checklist, where using the Sign button you may forward the orders to the bank. Please note: In case you send orders to the bank in groups, there is no way to confirm the items one by one, therefore you shall need to check the fulfilment of the orders in the account history, as well as look out for any notice of decline among the Notifications 21

22 3.7. A Detailed Description of Order Forms Transfer to HUF Account In the case of a domestic HUF transfer, the following form is to be completed: 22

23 Meaning of the fields: Selected account: Your account, from which you wish to launch the transfer. The transferred amount shall be debited to this account. Target account: Here you may select the beneficiary you wish to transfer the given amount to. If you want to send monies to an account where you have not transferred monies before, please select the New beneficiary option. Name of beneficiary: Here you may enter the name of the beneficiary of the transfer order (either a private individual or a company). If you have selected a beneficiary using the Existing beneficiary option, this field shall be completed automatically. Account number: GIRO account number of the beneficiary of the transfer. This series of numbers may consist of 2x8 or 3x8 digits. Save beneficiary: If you wish to transfer monies to this account in the future as well, leave this box checked and give a short name what you will see when you select the beneficiary. Amount to be transferred: The amount you wish to transfer. Order date: Here you may enter the date when you want the bank to launch the transfer. You may as well give orders to be executed on specific future dates. The interactive calendar function that you may access by pressing the Calendar button may be used to select the desired date. Block amount: By checking the blockage function you can make sure that the desired amount shall be available in the account on the assigned value date. The amount may not be withdrawn from the account during the period of the blockage. Should you change your mind, the blockage may be released only via the Raiffeisen Direkt telephone banking customer service. PLEASE NOTE: If in the case of a transfer to be launched on a specific value date you do not request the amount to be immediately blocked, it is recommended that you deposit or transfer the required coverage to the account to be debited on the day preceding value date at the latest. For technical reasons it may occur that the system checks the coverage of a transfer with a value date in the morning of the given value date, potentially before your transfer scheduled to take place on the value date to provide coverage for the transfer is credited, and the item shall be automatically rejected due to the absence of a coverage. Comment on order: Message that you may send to the beneficiary along with the transfer. It is not obligatory to complete this field. The maximum length of the Comment section is 2X35 characters.. 23

24 Transfer to securities account If you have Internet Brokering service, you can transfer from the selected account to the customer account of the securities account. Choose the "balance transfer" option from the target accounts, and the securities account from the list. The further activities are the same as in case of Forint transfer (3.7.1). 24

25 Transfer to Domestic FX Account and Foreign account 25

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27 Orders made out with incorrect/incomplete data, as well as transfers to account numbers NOT GIVEN IN IBAN FORM will be executed by Raiffeisen Bank at the terms and conditions specified in the prevailing List of Conditions You are supposed to enter the same data as in the case of Transfers to HUF account, with the following fields added: The beneficiary is Raiffeisen Customer: Please check this box if the beneficiary of the transfer also keeps accounts at Raiffeisen Bank. In this case you should enter the shortened account number format used at the bank in the Account number field. Bank name: Name of the account-keeping bank of the beneficiary. Bank address: Address of the account-keeping bank of the beneficiary. SWIFT code: International identification number serving to identify banks. It is not obligatory to complete this field. Amount to be transferred: You can give the amount in the currency of the account or in the currency of transfer. Fulfillment: You have to choose between the transactions fulfillment. The opportunities are: Standard, Very urgent. We will pay only Raiffeisens Bank s charges: If you pay the commission charged by Raiffeisen Bank, your current account shall be debited with the amount of the commission. If you will not bear the commission, the amount of the commission shall be subtracted from the amount to be transferred. We will pay all charges of the payment: If you pay the commission charged by the bank of the beneficiary, this commission shall be subtracted from your account balance. If you will not bear the commission, it shall be subtracted from the transferred amount. Comments on order: Message that you may send to the beneficiary along with the transfer. It is not obligatory to complete this field. The maximum length of the Comment section is 2X35 characters. 27

28 Foreign currency transfer to securities account If you have Internet Brokering service, you can transfer from the selected account to the customer account of the securities account. Choose the "balance transfer" option from the target accounts, and the securities account from the list. The further activities are the same as in case of Foreign currency transfer to domestic foreign currency beneficiary (3.7.2.). Please be aware that the Target account can be given only in "Non IBAN format" in case of transfering foreign currency to securities account opened by Raiffeisen Bank. 28

29 SEPA transfer SEPA stands for Single Euro Payments Area. There is no differentiation between national and cross-border payments and customers can transact payments in euro by using a single bank account. 29

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31 Meaning of the fields: Name of beneficiary: Please give the full name of the beneficiary of the payment (company, organisation or private individual). Account number of beneficiary in IBAN format: Account number of the beneficiary. (IBAN is a uniform international bank account numbering system that was introduced in the EU member states). Name of beneficiary's bank: Please give the full name of the beneficiary's bank. Address of beneficiary' bank: Please give the address of the beneficiary's bank (postcode, town, street, house number, country of its registered headquarters). 31

32 SWIFT of the beneficiary's bank:the SWIFT code or BIC (Bank Identification Code) is a string of 8 or 11 characters serving to identify the beneficiary bank in a payment transaction. For example, the SWIFT code/bic of Raiffeisen Bank in Hungary is: UBRTHUHBXXX. The important difference between the SWIFT code/bic and the IBAN is that while a bank's SWIFT code/bic is always the same (irrespective of the account number), every account holder has a different IBAN. Address of beneficiary, first line: Give the address of the beneficiary. If it doesn't fit on the first line, continue on the second line. Countrycode of beneficiary : Select the country to which you are making the payment. Type of beneficiary: foreign currency transfer can be made to a domestic foreign currency account (opened in Hungary, but denominated in foreign currency), or a current account kept at a bank operating abroad). Amount to be transferred: In the case of foreign currency payment you may give the amount to be transferred in the currency of the account from which the payment is launched, or in the currency of your choice. Please note that your choice of currency has no effect on the currency of the amount of money actually sent, but only determines the means of calculating the amount to be deducted from your account. For example, if you transfer funds from your forint account to a euro account at a foreign bank, the transfer is always launched in forint, but the amount debited from your account differs depending on which option you select: If you select the "in the currency of the source account" option when specifying the amount, the bank will debit your account with exactly the amount of forints that you have specified; if, however, you choose the "in the selected currency" option, the exact forint amount debited from your account will depend on the amount you have specified and the exchange rate valid at the time. Type of transaction: Please check the Within bank box if the beneficiary of the transfer also keeps accounts at Raiffeisen Bank. Is advance closure necessary?: If this option is selected, the Bank will block the specified amount on your account, and only release it on the processing date so that the transaction is sure to be executed. (The amount needed for the transaction is sure to be available.). Reference of beneficiary's transfer order: The code specified by the remitter of the funds identifies every individual payment order that the remitter has submitted to the bank. This reference code accompanies the payment order from its submission to its completion. The remitter may not request the use/return of any other reference code for the purpose of identifying the payment order. The structure of the reference code is determined by the remitter, and only needs to have significance for the sender. Title code of SEPA transfer: Please specify the purpose code of the SEPA transfer. Categorized title code of SEPA transfer: Please specify the categorised purpose code of the SEPA transfer. 32

33 Priority: Here you can select the speed of execution of the foreign currency payment. Please note that same-day execution is only possible in the case of payment orders submitted before the deadline for accepting foreign currency payment orders on the given day. Payment orders sent after the acceptance deadline will only be executed on the following bank working day. The various priority levels have different execution deadlines and cost implications. For more detailed information see the list of Terms and Conditions. Charges paid by: In the case of domestic forint transfers launched from a foreign currency account, and foreign currency transfers between your own accounts or another account within Raiffeisen Bank, only the SHA option may be selected (Raiffeisen Bank's commission is paid by the client; all other fees and costs are paid by the beneficiary). Comments: In this field, you as the party initiating the transaction may send information to the beneficiary regarding the transfer. Value date of processing: Here you can specify the date of launch of the payment. This is the day on which the bank will debit the amount from your account and launch the payment to the beneficiary. If you leave the default date, which is the day of submitting the payment order, but the payment order only reaches our bank after the acceptance deadline, or if the processing date does not fall on a bank working day, the payment order will start to be processed on the first bank working day following submission of the payment order. The processing date may not be more than one year later than the day of submitting the payment order. Cost-bearing account: Select the account to which the Bank should charge the costs arising in the course of the SEPA transfer. Type of payer: Please specify the type of client here. Name of actual payer: Please give the name of the ultimate remitter. Type of actual payer: Please give the type of the ultimate remitter. Name of actual beneficiary: Please give the name of the ultimate beneficiary. Type of actual beneficiary: Please give the type of the ultimate beneficiary. 33

34 Standing Orders The system can be used to manage forint-denominated standing orders. When setting up a standing order, the user can set the interval between payments. On the day that a given payment falls due, the item will automatically be transferred to the beneficiary that you have specified. Standing orders are processed on the banking day following the day of their submission. By selecting this menu item you can view your active standing orders, and the details thereof. You also have the option to modify or delete your active standing orders, and to record new standing orders. Also displayed under this menu item are the orders that you have recorded, but not yet signed. Add new standing order: You are supposed to enter the same data as in the case of Transfers to HUF account, with the following fields added Transfer period: Please select from the list how frequently you wish the transfer to be effected. Possible intervals: weekly, fortnightly, monthly, quarterly, semi-annual, annual. Amount of standing order: Here you must specify the sum that you would like to be transferred at the intervals specified by you, during the validity period of the standing order. Amount of first payment differs from the standing order amount: By selecting this option you can set an amount for the first payment that differs from the amount to be regularly transferred. Till revoke : If you check this field, the standing transfer order shall remain in effect until you withdraw it. 34

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36 Open Time Deposit On this page you can set up new time deposits or carry out operations related to your existing time deposits. 36

37 The meaning of the fields is the following: Selected account: Your current account, from which the desired amount shall be transferred to the time deposit account. Type One-off deposit: Example: if on 10 September you start a three-month one-off deposit, the deposit shall mature on 10 December. Then you may access the amount, increased with the earned interest. Unless you give another order, this amount shall be at your free disposal in the current account. Type Repeated deposit: In the event of periodically renewed time deposit fixing, at the end of the term a specific portion of the deposit will be automatically renewed for the same term (the amount of the renewed time deposit may equal the initial amount of the deposit minus interest or the amount of the time deposit plus interest). Type of repetation: In the case of a one-off fixing, the amount of the initial deposit increased by the interest will be credited to your current account in a lump sum upon maturity. In the case of an automatically renewed deposit, at the end of the specified period a predetermined part of the deposit will automatically be fixed in a new deposit for a period 37

38 of the same length. (The amount to be fixed in a new deposit may be the amount of the initial deposit without the interest, or the full amount of the deposit including interest.) In the case of a deposit that pays interest in advance, the interest for the given period is credited to your current account at the beginning of the term, and the amount of the initial deposit is credited to your current account upon maturity. Type Interest in advance deposit: In the case of deposits that bear interest in advance, the interest pertaining to the given period is credited to your account on the first day of the term of the time deposit, while the initial time deposit amount is credited to your account at the end of the period. Deposit amount: The amount that you wish to place in a fixed-term deposit (minimum HUF 100,000 or an equivalent sum in foreign currency) Tenor: Please select the term for which the time deposit is to be created. Tenors that may be selected: 1, 2, 3, 6, and 12 months. 38

39 Cheque payment On this page you can transfer cheque in a simplified form. Fill out the input fields on the form and the bank sends the money to the beneficiary account. 39

40 The meaning of the fields is the following: Amount: The money which you want to transfer Identification of depositor: Using this field, you, as the party launching the transaction can send a message to the beneficiary in relation to the transfer Name and account number of the beneficiary/transferee: The number of the account that will be providing the funds for the transaction Direct debit With a direct debit order you can authorise service providers to debit the due fees from your account. You may modify or cancel the authorisations given by you, or you may authorise or block on the DirektNet interface the debit orders sent by utility providers prior to completion. 40

41 Record a new authorisation Service provider: Select the beneficiary service provider from the service provider list. Check the service provider identification code on the invoice against the identification code on the list. Start of validity: Select the start date of the validity period of the authorisation. End of validity: Select the end date of the validity period of the authorisation. Limit amount: Specify a maximum limit for the authorisation. If you leave it blank, no limit will be set! Consumer s name: Specify the consumer s name. Consumer s address: Specify the consumer s address. 41

42 Consumer identification: Specify your individual identification assigned to the provider. If you can t find it on the service provider s invoice or on the contract, call the service provider for assistance. Modifying an authorisation: When you modify an authorisation, you can modify the end of the validity period and the limit. If you wish to modify some other data, please cancel the authorisation and give a new one. Cancelling an authorisation: Please specify your password to cancel an authorisation. The cancelled item can be seen among the authorisations for one year following the cancellation, with a cancelled status indicated. Items awaiting collection: Items that have not yet been executed can be rejected. If an authorisation is received in excess of the limit, it can be approved here. Items that are not executed: Items that have not been executed are listed here (e.g. authorisation in excess of the limit, rejected items, blocked account, lack of sufficient funds on the account, etc.). -- The monthly fee for the service is listed in the latest List of Conditions. 42

43 3.7.8 Credit card top-up On this page you can fill up your credit card. The target account is automatically selected, what appertain to the credit card. 43

44 Special foreign exchange conversion On this page you can do special foreign exchange conversion. Select the target account, and start the conversion from your source account. The meaning of the fields is the following: Debit account: The account from which you would like to launch the currency conversion. The converted amount will be debited from this account Credit account: The account in which you would like to deposit the converted amount Amount of the conversion: The amount that you would like to convert from one currency to another. Value date of conversion: The value date of currency conversion is the calendar day on which the given amount is debited from the account to be debited, at the exchange rate valid on the value date. 44

45 4. MANAGE BENEFICIARIES On this screen you can modify or delete the data of beneficiaries that you have previously stored, and clicking on the Add new beneficiary button brings up a form that can be used to store the details of a new beneficiary. The Type of beneficiary account field allows you to select the type of account you wish to transfer funds to. This can be a domestic forint, domestic foreign-currency, or foreign account. Beneficiary short name: Short name that shall appear in the Existing beneficiary list. Beneficiary name: The full, official name of the beneficiary to be shown in the order. Type of beneficiary account: The type of the account of the beneficiary may be domestic in Hungarian forint, domestic in foreign currency, or cross-border in any currency. Raiffeisen Customer: Please check this box if your partner also keeps accounts at Raiffeisen Bank. Account number: The account number of the beneficiary. Bank name: Name of the account-keeping bank of the beneficiary. Bank address: Address of the account-keeping bank of the beneficiary. SWIFT code: International identification number serving to identify banks. It is not obligatory to complete this field.. Note: The data of a new beneficiary can also be stored while entering the data for a transfer order, by simply leaving the ADD box checked on the form for submitting the order. 45

46 4. 1. Domestic forint beneficiary account: Explanation of the fields: Beneficiary short name: Short name that shall appear in the Existing beneficiary list. Beneficiary name: The full, official name of the beneficiary to be shown in the order. Type of beneficiary account: The type of the account of the beneficiary may be domestic in Hungarian forint, domestic in foreign currency, or cross-border in any currency. Account Number: The GIRO account number of the beneficiary of the transfer. This number can consist of 2x8 or 3x8 digits Cross-border in any currency beneficiary account 46

47 Account Number: Account number of the beneficiary. IBAN is a uniform international bank account numbering system that was introduced in the EU member states. If a transfer is initiated to a country using IBAN account numbers, it is expedient to specify the partner's bank account in IBAN format. If the IBAN number is provided incorrectly or the account number is not in the IBAN format on an FCY transfer order to a European target country that uses the IBAN bank account system, the partner bank may reject the order or may charge an extra processing fee due to the necessity of manual processing which must be paid by the account holder that initiated the transfer. Bank name: The name of the bank at which the beneficiary s account is held. Bank address: The precise address of the bank at which the beneficiary s account is held. SWIFT code (BIC): International bank identifier code. Completion of this field is not compulsory. 47

48 Administration 5. ADMINISTRATION The Administration menu is a support surface, where you can find all information about the DirektNet. On this page you can modify and update your personal data Telephone number to SMS signature Clicking on this option, you may view your personal data. If you find that the data are inaccurate or incomplete, please call our 24-hour telephone banking customer service Raiffeisen Direkt at phone number

49 Administration Assigning a new phone number to the SMS password If you wish to receive the SMS password for the approval of the transfer, you can select it from the mobile phone numbers for sms signature field. After selecting the telephone number, click on the Save button and when you initiate the next transaction, you will receive the SMS password to the newly selected number. This field only contains telephone numbers that were previously supplied by you and have been entered in our system. 49

50 Administration Telephone number for mobile notification If you choose this service, you will be notified in a text message of all successful and unsuccessful DirektNet logins, and any blocking or release of the login. In order to use the service, select the I wish to receive SMS notification of DirektNet login function in the Details menu and click on yes. After this, you can specify which account you want us to debit the service charge to, and which mobile phone number you wish to receive the text message to. After providing the data, click on the Save button. You may also cancel the service here: in order to do so, select no from the I wish to receive SMS notification of DirektNet login dropdown menu, then click on the Save button. 50

51 Administration 5.2. Change password You may change your password here. Enter your old password, then twice the desired new one. If you are finished, click on the Save button. If you do not wish to change anything, you may return to the previous page by pressing the Cancel button Sign up for Newsletter Selecting this option, you may sign up for the Raiffeisen electronic newsletters, and declare whether you wish to receive notices in the future from Raiffeisen Bank or not. By checking the appropriate fields, select the newsletters you want to receive, then enter your address. If you are finished, click on the Save button. If you do not wish to change anything, you may return to the previous page by pressing the Cancel button. 51

52 Notification 6. NOTIFICATIONS After login, the system shall notify you in the Notifications field of the main page if you have received a notice from the bank. By clicking on the Notifications link, you can see the messages received in the window that appears, arranged by dates. Unread messages are marked as such. If you click on the Delete marked messages button the selected messages will be deleted. These messages also include the confirmation of the orders that for some reason were not fulfilled immediately, thus no confirmation was given when the order was sent to the bank. 52

53 Security 7. SECURITY RECOMMENDATIONS The Raiffeisen DirektNet Internet Banking system meets the strictest security criteria prevailing at present, enabling you to administer your financial affairs over the world wide web with utmost security Security Elements of DirektNet 1. DirektNet is built up dynamically therefore security logic may not be deciphered You only need an Internet browser to use the DirektNet service, and need not install any more programs, or use applets (it is already proven that applets constitute a rather high risk for Internet banking customers, since the applet and the underlying encrypting mechanism may be downloaded and saved, and therefore it is possible to decipher it). The DirektNet system does not include any applets, its pages are built up by the web server of the bank dynamically, therefore it is impossible to decipher the bank security logic used by the program. 2. The Bank s systems have a multiple firewall protection The task of the bank s firewalls is to protect the bank s systems and the data of the customers, and to prevent any unauthorised access. The multi-layered firewall system of Raiffeisen Bank provides the highest level of security. 3. Communication takes place on an encrypted channel during DirektNet use Due to the openness of Internet, the bank protects the pages and mechanisms that contain or may forward business-sensitive information. When such pages are accessed and used, a protected https connection shall build up between the customer s computer and the bank s web server, instead of a normal http connection. The data, communicated in a channel protected with the SSL technology, are encrypted using a 128-bit long key. The key necessary for the encryption was authenticated for Raiffeisen Bank by NetLock Kft., an acknowledged issuer of security certificates in Hungary. 53

54 Security 4. Time limit The security of use is further enhanced by the fact that if the DirektNet service is unused for longer than 5 minutes (the browser window is inactive or no active operation takes place in it), the system shall automatically exit and return to the opening page of Raiffeisen Portal. 5. Protection from concurrent logins Raiffeisen Portal will not allow the system to be used from several computers with the same Direkt ID at the same time. Thus even if as a result of the user s negligence his/her ID and codes are obtained by unauthorised parties, it may not happen that in parallel with the customer someone else logs in as well and accesses his/her accounts. Also, if the customer is in a logged-in state, and in the meantime someone else wants to log in from another computer using his/her identifiers, both parties shall be immediately notified of this, and the system shall block any further operation, and compel the user to log out. 6. Notice of last login time In order to enable you to monitor DirektNet as much as possible, upon each successful login you may check the date/time of your last successful login in the window displaying the list of notices. 7. Passwords must be regularly changed You must change your password used to access the service every 90 days; the system shall automatically request you to do so. Of course, you may as well change your passwords more often, in accordance with your demands. You may set the new password in your user profile page. 8. Password management When logging in to DirektNet, if the wrong password is entered three times consecutively the system will temporary block access to the service, in order to prevent unauthorised persons from submitting transaction orders on your account. 10. SMS-signature The Bank automatically sends a password for the approval of the transactions (directly upon the initiation of the transaction) in a text message to the mobile phone number provided by you. You can use this password to confirm the initiation of the transaction on the DirektNet page. 54

55 Security 11. DirektNet login notification text message If you request this service, you will receive text message notification of your successful and unsuccessful attempts to log in to DirektNet. This way you will be able to track your Direktnet use. 12. In the course of communication, the IP address is recorded The Bank records the data of all computers connected to the Internet that launch requests towards its web server, assisting the detection of any unauthorised access that might take place Security Recommendations 1. Take care of your personal ID and codes Never tell your Direkt PIN or the password you entered when activating the service. Do not make any note (even on our computer or mobile phone) that makes it possible (if obtained by unauthorised parties) to log in with your identifiers. 2. Select a complex password You should take an effort in each case to find a password that cannot be connected to you, therefore cannot be easily deciphered (e.g. if possible do not make the name of your favourite pet and a simple ascending series of numbers your password). It is more difficult to remember a complex password, but at the same time it provides a security one degree higher. 3. Your Internet browser should not remember your password If you access the Internet with a browser that makes it possible for the computer to remember your password automatically (i.e. the browser saves the password belonging to the given website, therefore you need not type it again the next time), do not enable the program to save the password automatically in the case of your access to DirektNet. 4. Install a firewall software, and upgrade it regularly Malevolent programs are cruising the Internet all the time, looking for unprotected computers, and when they manage to find entrance somewhere, their maker shall be able to access non-public data. It may also happen that a so-called Trojan horse is installed on your 55

56 Security computer that is capable of forwarding data typed in on your keyboard. All this means that unauthorised parties may as well see your ID and password, even if an encrypted channel has been established between the bank and your computer. In order to prevent this and similar situations from happening, it is recommended that you install a so-called firewall software on your computer, which shall prevent such programs from getting installed on your computer, and protect your computer against the outside world. Since malevolent programs are propagated all the time over the Internet, a firewall protection is perfect only if you upgrade it from time to time (the manufacturer of the software usually offers this). 5. Use a virus scan program, and upgrade it regularly It is recommended that you have a virus scan and eliminating software in your computer, furnished with up-to-date virus definitions. Regularly scan your computer for viruses by means of the software. 6. Use our Raiffeisen Mobile Banking service Our Raiffeisen Mobile Banking (SMS) service offers you a convenient and simple solution to continuously check the financial transactions of your company. In connection with any banking operation (bankcard transactions, transfers, cash withdrawals, etc.), you will promptly get a personalised confirmation in Hungarian or English to the mobile phone number identified by you. 7. At the end of your DirektNet session do not just exit the browser always log out by clicking on the Logout button. It is not recommended to do Internet banking from public locations accessible for other people as well (Net cafés, libraries, bookshops, unsupervised, shared computers of educational institutions), because in respect of these computers or the applications running on these neither the bank nor our customers have a chance to protect ourselves. 56