Business online banking Open 7 days a week 24 hours a day
Business online banking: A convenient method of banking... 5 The best overview of your company s finances... 6 Numerous options to make the job easier... 8 Paying recipients abroad...10 Administering each user s access rights...12 Linking electronic bookkeeping to business online banking...13 One click away from personal contact with the bank...15 What to do: The security authenticator is your ID card for the bank...16 How to access...18 Business online banking. Our business online banking service is open 24 hours a day and you can access it via any computer with a web browser and Internet connection at the office, with a consultant, at home and in hotels throughout the world. This means that you can carry out many of the company s business transactions at times and in locations that suit you and the company s activities. Everything starts with the Start page...20 Transactions are concluded with a signature...23 Welcome! Clear instructions throughout for how to proceed...24 Small print, but worth reading...27 Dictionary for online banking...29
A convenient method of banking. Online banking is a bank branch on the Internet. You will soon discover that you can create your own banking routines based on your own wishes and the company s requirements. For certain transactions, you may choose online banking, while for others it may suit you better to use telephone banking or visit the branch. Take a look around and discover all the possibilities. 4 5
The best overview of your company s finances. Clicking the account name brings up a detailed account statement. In this list you can see the current balances for all the company s accounts. One of the most welcome benefits in our online banking service is the overview. All the information on the company s accounts, payments, investments and financing solutions is constantly available updated with the latest transactions. You decide how detailed you want the information to be. Through access rights administration, you can also control who can access the various information. Click Ekonomisk översikt (Financial overview) in the menu. This section contains information and tips regarding the service you are about to carry out. If you have unfinished transactions, you will find these under the heading Påminnelser (Reminders). If you want a paper copy of the page, click the Skriv ut (Print) button. 6 7
Numerous options to make the job easier. Paying the company s invoices. You can continuously register the company s payments online. We will then ensure that the recipient receives their money on the due date. The payment history provides a good summary of all payments. Click Betala/Överföra (Pay/Transfer) in the menu and select Bg/Pg betalningar (Bank giro/postal giro payments). Quick check on incoming payments. Incoming bank giro payments online are an alternative to notification via post. This gives you the information one day earlier, no later than 16.30 on the same day as the deposit was made. The information is available for 13 months. Click Ekonomisk översikt (Financial overview) in the menu and select Ankommande bankgirobetalningar (Incoming bank giro payments). Making money transfers. You can make transfers between the company s accounts and to others accounts at the bank or at other Swedish banks individual or regular payments. Click Betala/Överföra (Pay/Transfer) in the menu and select Överföringar (Transfers). service at our online banking service. It involves completing and sending salary documentation electronically. You can add all your employees and their salaries to a register. You can then manage salaries whenever you want during the month. Click Betala/Överföra (Pay/Transfer) in the menu and select Lönelista (Pay Roll). BankID (electronic identification). BankID is a service for secure identification Making use of Förenings-Sparbanken s Foreign payments. and digital signatures on the purchasing service. Foreign supplier payments online are Internet. With BankID, your company This service is optional and helps a convenient solution for companies gets access to several services on you reduce costs by up to 60 %. You without their own finance system Sending files via the net, e.g. declaring VAT. BankID is can get a discount on things such that can supply files. Using this service, online banking. a valuable personal document that as packaging, office and expendable an individual supplier register File transfer via online banking is a you can also use when carrying out supplies, fuel, telephony and compu- is created for recipients abroad. For secure way of sending payment files, transactions for the company. ter equipment. For further information, countries within the EU/EEA, you e.g. salaries and supplier payments If you have a private firm, order visit our partner www.lessmore. make so-called EU payments. For from the company to the bank. You your BankID under Tillval com or call other countries, you make Foreign create the file in your ledger program (Options) in the menu and select +46 (0) 20-91 21 61. payments. and then send it rapidly and BankID. Others should order To register for the purchasing Click Betala/Överföra easily via our online banking service. their BankID via their personal service, click Tillval (Options) (Pay/Transfer) in the menu and Click Startsidan (Start Page) online banking. in the menu and select Inköpstjänst select Betalningar till utlandet in the menu and select Filöver- (Purchasing service). (Foreign payments). föring (File transfer). e-lönelista (e-payroll). The e-pay roll is a very welcome 8 9
Paying recipients abroad. Click Betala/Överföra (Pay/Transfer) and select Betalning till utlandet (Payments abroad). Some of your payees may well be abroad. In our online banking service you can not only pay invoices from abroad, you can also transfer money to accounts in foreign banks. One advantage is that these transactions will be included in your past account transactions and can be processed together with other details. It is a convenient solution for companies who do not have their own financial systems capable of supplying files. Using this service will create your own supplier register for recipients abroad. There are two types of payment abroad EU payments (to countries within the EU/EEA) and International payments (to all other countries). Please note that IBAN and BIC details are mandatory for making payments abroad. You need to obtain these details together with account numbers from the recipient. 1 Fill in the details requested on this page account from which the money is to be withdrawn, name of the recipient, which type of payment you wish to make, currency, amount and payment date. 2 Click Fortsätt (continue), then enter a message to the recipient and verify the payment. 3 Sign the payment with the authenticator. 10 11
Administering each user s access rights. The administering of user rights in our online banking service is a security issue for both users and company management. This function allows you to control who has access to carry out various types of transactions. Start by appointing an access administrator. This does not necessarily need to be the same person as the authorised company signatory. For each registered user, you can specify access rights or limits in terms of: Accessing account information. Viewing and working with account and payment histories. Managing payments, salaries and transfers. Maximum sums for transactions. Preparing transactions. Signing transactions. Access rights are assigned to one user at a time. Any user can, of course, also be assigned unlimited access rights. The access rights administrator can click through the list heading by heading. Click Administrera (Administer) in the menu and select Hantera företagsanvändare (Manage company users). 12 13
Linking electronic bookkeeping to business online With e-bokföring (electronic bookkeeping) it s easy to manage the company s ongoing bookkeeping. It is a complete bookkeeping program linked to the company s bank account. Based on the bank account and the company s online payments, bookkeeping is virtually automatic quick and simple. The benefits of electronic bookkeeping are numerous: An integrated element of your business online banking. No risk of forgetting anything in your bookkeeping. Quick and simple results follow-up. Perfect for both companies and associations. You can also supplement your electronic bookkeeping with the additional service Fakturering via kundreskontra (Invoicing via accounts receivable ledger). Read more about electronic bookkeeping at www.fsb.se/e-bokforing or talk to your advisor at the bank. You can also register your interest at www.e-bokforing.se/intresse. We will then contact you for more information. 14 15
One click away from personal contact with the bank. Once you have logged in using your security authenticator, you can communicate with the bank via an e-mail function. Since any dialogue takes place within our online banking service, you can feel secure even if the matter is delicate and is related to company finances. Any messages we send from the bank to your company can be found under the heading Meddelanden (Messages) on the Startsidan (Start Page). If you want to contact us, click Startsidan (Start Page) in the menu and select Skriv till oss (Write to us). 16 17
The security authenticator is your ID card for the bank. The security authenticator and its functions are based on the security system that safeguards our entire online banking service. It serves as your ID card and gives you new codes (passwords) each time you log in or sign a bank transaction. Security is upgraded as new technical solutions develop. Read more about security on page 27. How to use the authenticator: 1 Switch on the authenticator using the arrow on bottom right. 2 Enter your four digit PIN code. 3 Enter the eight digit control number that appears on the screen into your authenticator. The authenticator will now give you a code (password) that you enter in the box on the screen using the keyboard. If you require further instructions for your authenticator click Hjälp (Help) and select Säkerhetsdosa. Remember that the authenticator is an identity document. Keep it in a safe place. The security authenticator is available in three models. The smaller ones are easier to carry with you, the larger model is easier to use for those with disabilities. They all have the same functions. 18 19
How to access. To access our online banking service, you must log in. The usual arrangement for those at the company who use the service is to have personal security authenticators and log in using their own personal identity number. Once you have entered your code (password), you will see a list of all the logins you are personally authorised for both at work and as a private individual. Go to the bank s website at www.fsb.se* and click Logga in (Log in). 1 Enter your Swedish personal identity number (personnummer), or if none, the 10 digit customer identity number issued to you by your bank. Then select the Säkerhetsdosa (Security authenticator) option from the drop-down list. Click the Fortsätt (Continue) button. 2 Enter the code (password) given by your security authenticator and click the Fortsätt (Continue) button. Several users may be logged in at the same time. 3 Select start page. After login, you can switch between various start pages by clicking Byt profil (Change profile) in the menu. *Co-operating banks may have a different address. 20 21
Everything starts with the Start page. Arriving at the Start page is like entering the door to the bank. You can study the range of offers, view up-to-date information and look at a simplified account overview. Using the links in the main menu, you can quickly access the transaction you require. Add pages you use more frequently to the Favoriter (Favourites) link in the main menu for extra quick access. Clicking the headings in the main menu opens routes to all the transactions you can carry out at the Internet bank. Under Hjälp (Help) you will find instructions relating to the current page. Once you have finished, click Logga ut (Log out). You will find this in the same place on every page. Here you will get an account overview. Coloured text is a link to a transaction or more detailed information. For example, under Egna inställningar (Individual settings) you can change the size of the headings and other text or enter the company s contact details once and for all. Transactions that have not been concluded can be seen under the heading Påminnelser (Reminders). You are only a click away from personal contact with your bank. 22 23
Transactions are concluded with a signature. Transactions that must be approved using the security authenticator are collected in various lists, according to type of transaction. Transactions are only concluded once they have been confirmed with a signature. Through the administration of access rights, it is possible to control who can register and sign transactions. 1 Click Till godkänna (To approve) under the list and check the transactions one more time. If you want to delete or change anything in the list of transactions to be signed, click the coloured text. 2 Enter the code (password) given by your security authenticator in the box on the screen and click Signera (Sign). 3 You will then see a summary list of the transactions you have just signed. Click Skriv ut (Print) for a receipt. 24 25
Clear instructions throughout for how to proceed. Using our business online banking service is easy. You will also find plenty of support along the way. Useful information about the service. We have gathered information and tips on the service you are planning to access on the right-hand side of each page. Click Hjälp (Help). The first time you carry out a transaction, it can be useful to have clear step-by-step instructions. The Hjälp (Help) link can be found above the menu. If you forget anything, or make a mistake, you will immediately get a message telling you what you need to correct. Help texts by cursor. When you run the cursor across the page, small help texts (tool tips) will pop up, explaining what to do at the various stages. Error messages. 26 27
Small print, but worth The address for our online banking service is www.fsb.se* Enter the address as a bookmark on the computers you use. First you come to the bank s home page, which has a link entitled Logga in (Log in). For online banking you need: a computer with an Internet connection a web browser e.g. Microsoft Internet Explorer or Netscape Navigator. (You can see our recommendations at www.fsb.se/internet*). Check that the program accepts cookies and JavaScript. Cookies are a function that enable the server to identify you and your computer. It makes dialogue between your computer and our online banking service even more secure. JavaScript is used for our help pages, etc. Generally, this option is already pre-selected by your web browser. Frequently asked questions. Go to www.fsb.se/internet and click Kundtjänst (Customer service). Once you are logged in, you will get the same information by selecting Kontakta oss (Contact us) in the menu. Tips and advice! You will find both inspiration for how best to handle the company s finances on a day-to-day basis and information to help you make intelligent long-term deci- sions at www.fsb.se*. Watch instructional films. If you want to see exactly how a specific transaction proceeds, you can watch a short film of the procedure from start to finish. You will find these films at www.fsb. se/demofilm*. Automatic logout. If you are logged in but have not used the service for the last 15 minutes, a message and question will appear on the screen, asking whether you wish to continue. You can then choose to reactivate your connection or log out. Call Kundtjänst (Customer service). Call +46 (0) 771-97 75 12. Open every day 0700-2300. You can also write to us once you are logged in. Go to Startsidan (Start Page) in the menu and select Skriv till oss (Write to us). You are naturally also welcome to call in at the bank or call the telephone bank s personal service on telephone +46 (0) 771-22 11 22*. Maximum security. The security system in our online banking service consists of several elements in order to provide maximum security. The digital bank vaults around our data systems are called firewalls. The connection between your computer and our web servers is encrypted, which means that no one else can see the information sent between you and your bank. The personal security authenticator with your individual code is another means of preventing anyone else logging in in your place. We keep up-to-date with the development of security solutions in order to maintain the highest level of security. Always remember that your security authenticator is an identity document and should be kept in a safe place. When you log in using a personal code, for security reasons, you cannot always carry out all bank transactions. For instance, you cannot carry out transactions involving transferring money from your own finances, e.g. paying bills or transferring money to anyone else s account. Both we as a bank and you as a customer are responsible for ensuring that Internet traffic is as secure as possible. Read more about the bank and customer s responsibilities at www.fsb.se/sakerhet*. *Co-operating banks may have different addresses, phone numbers, services and prices. Contact your bank for more information. 28 29
Dictionary for online banking An easy method of banking. Administrera (Administer) Aktier/Värdepapper (Shares/security) Aktuella kontohändelser (Current events in account) Ankommande bankgirobetalningar (Incoming bangiro payments) Anpassa format (Adapt format) Autogiro (Autogiro) Avbryt (Cancel) Avvisade ärenden (Rejected transactions) Bank ID (It is an electronic ID document unique for the user) Belopp (Amount) Beställ tjänster (Order services) Betala/Överföra (Pay/Transfer) Betalningar till utlandet (Foreign payments) Bg/Pg-betalningar (Bank giro/postal giro payments) Bokföring (Accounting) Byt profil (Change profile) Egna noteringar (Own notes) Egna inställningar (Individual settings) Ekonomisk översikt (Financial overview) e-kort (e-card) Elektroniska dokument (Electronic document) Elektronisk faktura (Electronic invoices) e-lönebesked (Electronic wage slips) e-sparkonto (Online savings accounts) Fakturering via kundreskontra (Invoicing via accounts receivable ledger) Felmeddelande (Error message) Filöverföring (File Transfer) Fonder (Unit trusts) Fortsätt (Continue button) Förfallodatum (Due date) Hantera företagsanvändare (Manage company users) Historiska kontohändelser (Past account transactions) Hjälp (Help) Inkomna ärenden (Incoming transactions) Inköpstjänst (Purchasing service) Inloggningsuppgifter (Logging in details) Koncerninterna överföringar (Intra-group transfers) Kontakta oss (Contact us) Konton (Accounts) Konton med dispositionsrätt (Accounts with the right to make withdrawals) Konton och lån översikt (Accounts and loans overview) Kortöversikt (Card overview) Kundtjänst (Customer service) Logga in (Log in) Logga ut (Log out) Lån (Loan) Låna (Borrowing) Låneöversikt (Loan overview) Lägg till (Add) Lönebesked (Salary statement) Lönelista (Payroll) Meddelanden (Messages) Mottagarlistor (Recipient lists) Personnummer (Personal identity number) Påminnelser (Reminders) Signera (Sign) Skriv till oss (Write to us) Skriv ut (Print) Spara/Placera (Saving/Investing) Sparande/Placeringar (Savings/Investments) Startsidan (Start page) Svarskod (Replay Code) Säkerhetsdosa (Security Authenticator) Ta bort (Delete) Till godkänna (Awaiting approval) Tillgängligt belopp (Available amount) Tillval (Options) Utlandsbetalning (Payment abroad) Överföringar (Transfers) 30 31
O R D & B I L D R E K L A M B Y R Å. Our business online banking service is open 24 hours a day and you can access it via any computer with a web browser and Internet connection at the office, with a consultant, at home and in hotels throughout the world. This means that you can carry out many of the company s business transactions at times and in locations that suit you and the company s activities. Here we explain how to get started logging in, how the security authenticator works and how to sign a transaction. Read more about various services and functions that make the job easier. You are welcome to call Customer Service on tel. +46 (0) 771-97 75 12. Open seven days a week 0700-2300. You can also contact your company advisor at the bank. FöreningsSparbanken och samverkande sparbanker Environmentally certified in accordance with ISO 14001 O K T O B E R 2 0 0 5