BANKING OUTSIDE THE BRANCH. YOUR FINANCES ALWAYS WITH YOU SB SmartNet new online banking

Transcription

1 BANKING OUTSIDE THE BRANCH YOUR FINANCES ALWAYS WITH YOU SB SmartNet new online banking

2 New generation of internet banking Let us present SB SmartNet, your portal to the online world of finance. Starting from now, the management of your personal finances will be as easy as it gets. The clear, intuitive user interface enables you to see all of your account, credit and savings balances, make payment orders or transfer funds between your accounts, as well as set and monitor personal budgets. Sounds interesting? The overview of functionalities below will help you to get started right away! LOGIN SCREEN is the first screen you see as you access SB SmartNet. Here you can login by entering you user name and one-time password (OTP), as well as access a whole range of useful tools which not requiring login! Here you can change the background picture and personalise your application! If you want to use your application in English, here you can change language settings. Login fields. Use your assigned or alternative user name for login. The one-time password (OTP) is generated by your SBc@rd device. ATMs & branches finder. If you have enabled location services in your browser, your will immediately see the nearest ATM or branch office! Besides foreign exchange rates lists, here is also a currency converter. Check out our newest commercial offers without having to visit our website. After your have entered your user name and one-time password (OTP), press here to access the application. Here you can find all documents you may need when using SB SmartNet and answers to numerous FAQ.

3 SMART PAGE is the initial SB SmartNet page, which gives you an overview of your financial situation. You can access all other modules in the application from here. Sum of all your savings balances (fixed term, annuity and sight deposit) and all savings accounts. Click here to enter the module. I SAVE detailed overview of each savings amount or savings account. Your user account. Your mailbox which contains received messages and where you can write a new message to the bank. SB SmartNet application settings. Logout Your total assets. The sum of balances in all accounts and all unused card limits and authorised overdrafts. Click here to enter the I HAVE module for a detailed overview of individual accounts and transactions. Sum of balances of all your loans. Click here to enter the I OWE module for a detailed overview of individual loans, repayment schedules, due and paid amounts. List of users related to your user account. They can include your company, business or persons of whose accounts you are authorised to dispose. Click to change the user. Quick link to make a new payment order in the I PAY module. Graphic overview of the sum of balances of your accounts for the past and future period. Dots denote days when there are transactions. Place the arrow over the dot to see transaction details and amounts. Overview of past and future transactions. Click to see transaction details. Reminder of events coming up, such as payments or expiry of cards and deposits. Click on the item to see details. Tips for smart personal finance management and reminder of advantages you can use. Overview of the last message you received from the bank. Click to open the message. Here is also a reminder of the support service and quick link to writing a new message to the bank.

4 I HAVE module is where you will find a general and detailed overview of all of your accounts. The initial page gives you information about all of your accounts together. Select a particular account to see details for the account, including statements, options to block your own cards or change daily limits. I SAVE module is where you will find all information about your savings products. The initial page gives your information about all of your savings products together. Select a particular account to see details for this product only. You can set a savings goal or download a savings account statement. Quick menu where you can quickly change the module you work in without going back to Smart page. In this window, you define which transactions your want to see by date, period or keyword. The header displays the sum of all funds available and limits or overdrafts you have on your cards. Click the arrow for a detailed overview of a particular account. Here you can change the viewing options for transactions list view, tree view or bar view Quick menu where you can quickly change the module you work in without going back to Smart page. Here you chose between a graphic overview of your savings amounts or an overview of deposits and withdrawals in the past 6 months. A click on NEW PRODUCT takes you to a comparative overview of the profit on deposits we offer for your amount and currency. Not only can you contract a savings account here, but also make a simulation and see how much you need to save to reach your goal. This is a quick link to internal transfers within the I PAY module where you can easily transfer funds from your sight deposit accounts to your savings accounts. The header displays the sum of all your savings amounts and savings accounts. Press the arrow for a detailed overview of every single savings product. Ovdje mijenjate način na koji se prikazuju transakcije kao grafikon ili lista. This window contains a summary overview of selected transactions total amount and number of expenses, income and most frequent categories. Click on the transaction to see details, e.g. where the payment was made. Transakcije su sortirane po datumu, ali klikom na naslov stupca možete promijeniti obilježje po kojem su sortirane. SB SmartNet will suggest the category for a particular transaction. You can easily edit these categories by clicking on these icons. The graph shows the distribution of you savings balances and accounts, so you can clearly see where most of your money is. Your profit from interest is shown separately by months and as an aggregate for the past 6 months. Your recent savings deposits in the past 6 months will be visible here. Klikom na pojedine stavke u legendi možete izdvojiti pojedinu vrstu štednje.

5 I OWE module gives you an overview of all your credit obligations. The initial page displays all loans together and if you click on a particular loan, you will be able to view details of such loan, including your repayment schedule and an overview of all your payments to date. I PAY module is the central place from where you make your transactions and manage your funds. We suggest that you spend some time on entering your payee details or creating templates, as this will save your time in the future. Check out also the fantastic drag & drop functionality of our internal transfers! Quick menu where you can quickly change the module you work in without going back to Smart page. This is a quick link to internal transfers in the I PAY module where you can easily settle your due repayment annuities. The header contains a summary overview of all your loans. Click on the arrow for a detailed overview of each particular loan. Quick menu where you can quickly change the module you work in without going back to Smart page. The header contains the sum of all upcoming payments and your available funds are shown as the sum of sight deposit accounts, available card limits and authorised overdrafts. Brza poveznica na interni prijenos vam omogućava jednostavan prijenos sredstava između vaših računa, uključivo konverziju valuta. Here you can choose between a graphic overview of your loans or an overview of repayments, disbursements and fees in the past 6 months. Upcoming payments for every of your loans are shown below the graph. Click for details of a particular loan. The graph shows your repayments as well as due and non-due amounts in a ratio, so you can easily see how your loan repayment develops. Click on an item in the legend for a separate view of the repayment status or due loan commitments. If you have any orders created but not signed, you can go back to them, sign and send them for payment. In this window, you can manage saved payees. You can sort them by alphabetical order or keyword, update or delete them. New payment to new payee enables you not only to quickly make a new order, but also to define a payee for later and create a payment template. U statusu plaćanja možete provjeriti što se događa s vašim nalozima - da li je neki od njih odbijen, na čekanju ili čeka odobrenje. Future transactions schedule gives you a simple and graphic overview of all upcoming payments, such as standing orders or deposit maturities. Click on an existing payee to open a new order which already contains all payee details.

6 BUDGETS module will reward all efforts you made to categorise transactions in I HAVE module. Here you can define limits for every expenses category and check out how successfully you have implemented them. Take the opportunity to master your personal finances! Here you can chose to view limits or transactions which enables you to update categories without returning to I HAVE module. The header shows the aggregate spending and the outstanding amount for all your budgets together. Click on the arrow for a separate view of a budget, a graphic presentation of its movements and change of budget settings. Quick menu where you can quickly change the module you work in without going back to Smart page. SB SmartNet will suggest budgets and limits based on your past spending. Of course, you can update or delete each of these budgets and add new ones! If all of your limits are set for the same term, you will see an extra mark showing where you should stand within your budget on the present date.

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