UniCredit Bank attaches the utmost importance to securing its services and uses the best state-of-the-art methods as proven by the experience and know-how of the entire UniCredit Group.
Logging into Internet banking requires entering a user ID (assigned by the bank) and a code from the security key. The security key can either be the Online Banking key, SMS key or token (calculator). You can select your security method at the branch when taking out the product. The code from the security key is used for logging into the application (authentication) and for signing transactions (authorisation). The data transfer between the bank and your computer is secure. There is a possibility of setting automatic SMS or e-mail notifications of every login in the Internet banking. Of course, you can set the daily limits for payments and automatic logoff from the application after longer inactivity.
Access and payment authorisation is PIN-protected in Smart Banking. The application is linked directly to the client’s mobile phone, but does not save any sensitive information in it. The maximum amount sent through Smart Banking must not exceed CZK 50,000. The application logs itself off after three minutes of inactivity.
Disclosure of confidential information or execution of users’ requests related to security features is strictly tied to the unambiguous proof of the caller’s identity based on the code from the security key or entry of the special password for communication with the bank.
1. Online Banking key
Online Banking key is a mobile application which generates one-time use and time-limited codes. Smart device owners can get the Online Banking key by downloading the Smart Banking application from Google Play or the App Store. Other mobile phones (with Java) download a separate application from a link sent by the bank in an SMS.
The Online Banking key is recommended if you:
2. SMS key
Codes for login and payment in Online Banking will be delivered via SMS. When selecting this type of security, you need your own e-mail address to receive the login security code and mobile phone number for sending one-time SMS codes.
The SMS key is recommended if you:
3. Security key (calculator)
An additional device in the form of a calculator that you activate using your own PIN and generate your code for login or signature of payments.
The security key (calculator) is recommended if you:
Following these simple rules will allow you to securely control your accounts via direct banking products and minimise the risk that your personal data will be misused by unauthorised persons.
Login details, passwords, PINs
Operating system, web browser
You should check your account balances and transactions regularly – for example, by SMS messages or e-mails that are sent automatically and which include the appropriate content.