K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
User Manual for
K&H e-bank
last update: 15 July 2014
1
K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Dear Client,
Thank you for using K&H e-bank. This manual describes how to use our system.
Should you have any questions or queries regarding the various functions of K&H e-bank or the account management services offered by K&H Bank, please call K&H TeleCenter at 06 (1/20/30/70) 335 3355 where our colleagues are happy to assist you 24/7.
We hope that you will like the services provided by K&H e-bank and remain a satisfied client.
We encourage you to share your opinions and suggestions with us by email at [email protected].
Yours sincerely,
K&H Bank
2
K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Table of contents
Introduction ............................................................................................................................................ 6
1 Definitions
...................................................................................................................................... 6
2 Technical conditions of using K&H e-bank
............................................................................... 7
3 Chip card login
.............................................................................................................................. 7
4 First login to K&H e-bank using identification by SMS
............................................................ 7
4.1
Syntactical requirements for user names .......................................................................... 8
4.2
Syntactical requirements for passwords
........................................................................... 8
5 Menu system of K&H e-bank ...................................................................................................... 8
6 Functions available in the header section of K&H e-bank
.................................................... 11
6.1
Manage e-box messages
.................................................................................................. 12
7 Structure of the start screen of K&H e-bank ........................................................................... 15
7.1
Help
....................................................................................................................................... 20
7.2
F.A.Q.
................................................................................................................................... 20
7.3
Tips
....................................................................................................................................... 20
7.4
Contacts
............................................................................................................................... 20
8 Accounts, bank cards ................................................................................................................. 22
8.1
Account data ........................................................................................................................ 22
8.2
Account history .................................................................................................................... 23
8.3
Account statements, notifications
..................................................................................... 24
8.4
Manage bank cards, modify card limits ........................................................................... 25
8.4.1
Apply for new bank card ............................................................................................ 28
8.4.2
Modify card limit .......................................................................................................... 28
8.4.3
3D Secure Code service
............................................................................................ 31
8.4.4
Renew card
.................................................................................................................. 31
8.4.5
Reorder PIN code
....................................................................................................... 31
8.4.6
Transaction history ..................................................................................................... 32
8.4.7
Credit card details ....................................................................................................... 32
8.4.8
Activate card ................................................................................................................ 32
9 Payment launch .......................................................................................................................... 33
9.1
General rules of transaction management
...................................................................... 33
9.2
HUF payment ...................................................................................................................... 35
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
9.3
Yellow postal cheque payment
......................................................................................... 39
9.4
FX payment ......................................................................................................................... 40
9.5
Regular payment
................................................................................................................. 43
9.6
Authorisation for direct debit
............................................................................................. 44
9.7
Mobile phone top-up ........................................................................................................... 46
10
Manage orders ............................................................................................................................ 48
10.1
Manage orders to be signed ............................................................................................. 48
10.2
Sign or delete transactions ................................................................................................ 48
10.2.1
Confirmation ................................................................................................................ 49
10.3
Pending orders .................................................................................................................... 51
10.4
Direct debit orders .............................................................................................................. 52
10.5
Completed orders ............................................................................................................... 53
10.6
Failed transactions ............................................................................................................. 54
10.7
Regular orders ..................................................................................................................... 54
11
Manage deposits ........................................................................................................................ 56
11.1
Deposit list ........................................................................................................................... 56
11.1.1
Modify deposits ........................................................................................................... 57
11.2
Fix term deposits ................................................................................................................. 58
12
Manage investments .................................................................................................................. 61
12.1
Information on investments provided when purchasing securities ............................. 61
12.2
Request investment services ............................................................................................ 63
12.3
Balances, sales, certificates .............................................................................................. 63
12.3.1
Switch investment units ............................................................................................. 65
12.3.2
Sell investment units .................................................................................................. 67
12.3.3
Sell securities on the stock exchange ..................................................................... 69
12.3.4
Sell government bonds .............................................................................................. 70
12.3.5
Order list ....................................................................................................................... 71
12.4
Buy investment units .......................................................................................................... 71
12.5
Standing order to purchase investment units ................................................................. 72
12.6
Buy at stock exchange ....................................................................................................... 73
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
12.7
Buy government bonds ...................................................................................................... 75
12.8
HUF payment ...................................................................................................................... 77
12.9
FX payment ......................................................................................................................... 78
12.10
Account history
................................................................................................................ 80
13 Credit cards ................................................................................................................................. 81
14 Insurance ..................................................................................................................................... 82
15
Settings ........................................................................................................................................ 83
15.1
Set default client ................................................................................................................. 83
15.2
Account profile settings ...................................................................................................... 84
15.3
Change chip card PIN code .............................................................................................. 84
15.4
Enable SMS login ............................................................................................................... 85
15.5
Change password ............................................................................................................... 86
15.6
Personal data ...................................................................................................................... 87
15.7
Payees’ settings .................................................................................................................. 88
15.8
View K&H e-bank activity log ............................................................................................ 93
15.9
Electronic and printed statement order ........................................................................... 93
15.10
K&H mobilinfo SMS settings
......................................................................................... 94
15.11
K&H credit card mobilinfo SMS settings ..................................................................... 96
15.12
View K&H mobilinfo SMS history
................................................................................. 98
15.13
Request K&H mobilbank
................................................................................................ 98
15.14
View earlier mobile phone top-ups ............................................................................... 99
Useful tips
.......................................................................................................................................... 100
5
K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Introduction
This manual describes how to use K&H e-bank.
1 Definitions
K&H e-bank:
The collective name of online services provided by the Bank to its Clients and available at https://ebank.khb.hu/. Natural persons must use these services themselves; they do not have the right to authorise a Permanent Authorised Representative.
K&H mobilbank:
Services provided by the Bank to its Clients via smart phones and listed in the prevailing
Announcements.
K&H e-box:
Online e-box service provided by the Bank to the users of its non-natural person Clients, through which they can avail themselves to the services listed in the Announcement.
K&H eID:
An eight-digit numeric code used for the unique identification of a User when using Banking Services
Requiring Electronic Identification.
ePIN code:
A six-digit confidential numeric ID used in combination with the K&H eID for the unique identification of a User in the course Banking Services Requiring Electronic Identification.
ePIN code for viewing:
An e-PIN code issued to SME Clients to enable them to use the services specified in the relevant
Announcement. It is not linked to a specific natural person; Clients choose to use it at their own discretion and responsibility.
user name:
An alphanumeric ID used for the unique identification of a User when using K&H e-bank, K&H e-box and K&H mobilbank services.
password:
An alphanumeric ID used for the unique identification of a User when using K&H e-bank, K&H e-box and K&H mobilbank services.
electronic identification:
- Identification by K&H eID: electronic identification required for the use of Banking Services
Requiring Electronic Identification. In the absence of a chip card users must enter their K&H eID and ePIN code when they first login. Users opting for identification by SMS also need to enter their primary SMS password.
-
Identification by user name: users of K&H e-bank and K&H e-box opting for identification by
SMS must enter their user name, password and primary SMS password together.
Users of K&H e-bank using K&H mobilbank must enter their user name and password together.
- Identification by chip card (identification device): e-bank Users of K&H e-bank or both K&H ebank and K&H e-box can be identified using a chip card and a chip card reader provided by the
Bank.
- Identification by token: Users of the Electra service or both Electra and K&H e-box are provided with a Token for identification purposes, which is to be used in combination with the Token password in order to access the above service(es).
identification device (chip card):
A plastic card issued by the Bank, which is not a bank card, and which enables the User to remotely access both K&H e-bank and K&H e-box online after entering their PIN code. The identification devices issued by the Bank are the property of the Bank. Identification devices can only be held by natural persons. A natural person can only have one identification device (chip card).
chip card PIN code:
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
A confidential numeric identification code generated by the Bank for the identification device and to be used in the identification process required for the use of the K&H e-bank/K&H e-box services. The PIN code of the identification device is not the same as the ePIN code!
primary SMS password:
A password sent by the Bank to the Client by SMS during the login process, valid for one login session only.
secondary SMS password:
A password sent by the Bank to the Client by SMS when a transaction initiated by the Client is about to be completed. Each password is unique and valid for one transaction only.
2 Technical conditions of using K&H e-bank
The K&H e-bank service has been optimised for the following browsers:
<Microsoft Internet Explorer 8.0 or later versions
<Chrome 25.0 or later versions
<Mozilla Firefox19 or later versions, irrespective of the platform.
Please enable Java Script in your browser as the system also uses client-side scripts.
3 Chip card login
Users of K&H e-bank or both K&H e-bank and K&H e-box can log in using a chip card, which is provided by the Bank complete with a chip card reader. Insert your card into the reader and then enter the PIN code of the card.
4 First login to K&H e-bank using identification by SMS
You must activate your K&H e-bank access before using it for the first time. If you have K&H eID and ePIN codes issued to you by K&H Bank and a signed K&H e-bank agreement in place, click on the Enter button on our home page, www.kh.hu.
As of 15 July 2013 you can enter K&H e-bank using a combination of a user name and a password specified by you followed by an SMS code sent to the mobile phone number registered with the Bank instead of your K&H eID and ePIN code. You only need to enter your K&H eID and K&H ePIN code once upon registration; if it is successful, you can subsequently use a user name and password chosen by you. If you forget your K&H eID or your K&H ePIN code please visit a K&H branch for assistance.
Registration steps:
The Enter button for K&H e-bank is in the top right hand corner of our home page.
Step 1: Click on the Enter button, then select First login. Enter your K&H eID and ePIN code provided by the Bank, then click on Login.
Step 2: If the K&H eID and the ePIN code you entered were correct, you will receive a primary SMS password on your mobile phone registered with the Bank. Please enter this password on the login screen.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Step 3: Click on Next to proceed to the next screen with the following four mandatory fields: a. user name b. password c. confirm password d. confirm SMS password
Each user name must be unique. If you enter a user name that already exists in the system, a message on the screen will prompt you to choose another one.
Enter the SMS password to finalise the registration process. If you enter the correct password, you will have successfully registered in e-bank. After this you can no longer use your K&H eID to login to K&H e-bank; however, it continues to exist so please keep it!
4.1 Syntactical requirements for user names
length: minimum 6, maximum 15 characters
not case-sensitive
character set: o numeric and alphanumeric (numbers and letters) o only the letters of the English alphabet can be used o must not contain special characters (except for underscore and full stop) o must not contain a space
4.2 Syntactical requirements for passwords
length: minimum 8, maximum 15 characters
case-sensitive
must not contain three identical characters consecutively
must not be the same as the K&H eID
must not be the same as the user name
must contain lower case and upper case letters and at least two numbers
The system recommends that you change your password every three months. Your new password must not be identical with your previous five passwords.
5 Menu system of K&H e-bank
The K&H e-bank menu system is structured as follows:
Items available on the Accounts, bank cards selection screen:
Account data
Account history
Account statements, notifications
Card management, modify card limit
Items available on the Payment launch selection screen:
HUF payment
Yellow postal cheque payment
FX payment
Regular payment
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Authorisation for direct debit
Mobile phone top-up
Items available on the Managing orders selection screen:
Orders to be signed
Pending orders
Direct debit orders
Completed orders
Failed transactions
Regular orders
Items available on the Managing deposits selection screen:
Deposit list
Fix term deposit
Items available on the Managing investments selection screen:
Balance, sale, certificate
sell investment units
sell stock exchange securities
sell government bonds
Buy investment units
Standing order to purchase investment units
Buy at stock exchange
Buy government bonds
HUF payment
FX payment
View account history
Items available on the Credit cards selection screen:
View credit cards
Items available on the Insurance selection screen:
K&H travel insurance
K&H compulsory car insurance
K&H CASCO
K&H home insurance
Items available on the Settings selection screen:
Free cash withdraw account setting
Set the default client
Account profile settings
Change chip PIN code
Change K&H corporate e-bank password
Enable SMS login
Personal data
Payees
’ settings
Electronic and paper-based statement order
K&H mobile Info SMS settings
K&H credit card mobile info SMS settings
K&H mobile info SMS history
K&H mobilbank request
9
K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Earlier mobile top-ups
10
K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
6 Functions available in the header section of K&H e-bank
Client selector: this field shows the client whose accounts your are managing. If you are authorised to manage the accounts of more than one client, click on the down arrow at the end of the field to select a client from the drop-down list. To set a default client (for example, the one whose accounts you have to deal with the most frequently), go to Settings and click on Set the default client; at your next login to the e-bank the system will automatically display the details of this client.
Last login: you can check the date and time of your last successful login every time you successfully login to e-bank by clicking on Last login in the header section so that you can monitor your e-bank use closely.
Signables: the number of transactions yet to be signed by you in K&H e-bank is shown in the header. Clicking on this button will automatically take you to the Orders to be signed menu.
Messages: Clicking on this button will take you to your e-box, from where you can send messages to K&H Bank, read its replies and view the transaction confirmation messages and other messages it has sent. The orange number on the Messages icon is the number of unread messages.
Time limit: if you do not use the service (i.e. the browser window is inactive or no active action occurs in it) for more than five minutes, you will be automatically logged out for security reasons.
Any actions with the mouse are considered “active actions” in K&H e-bank.
Logout: click on this button to properly log out of the system.
K&H logo: click on the K&H logo to go to the home page of K&H e-bank.
Message bar: you can read the latest notifications sent by the Bank here.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Menu: click on an icon to choose a selection screen or menu item. You may not see all the menu items shown here as each User can only see the ones they are authorised to use.
6.1 Manage e-box messages
You can view messages from and send messages to the Bank from your e-box.
Click on the icon in the header section of e-bank to start the e-box function.
In the default setup your messages are displayed in reverse chronological order (newest to oldest).
Unread messages are shown in bold. The list includes both incoming and outgoing messages. The direction of each message is shown in the details of the message in question.
To view the details of a message click on the arrow next to it.
To reply to a message click on the quick function icon
To create a new message click on the
.
button.
Select a message type from the dropdown list. The message type determines the information you can enter into the message.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Transaction message type:
Select the desired category from the dropdown list.
Enter the details of the transaction in question in the various fields as required.
Transaction verification and transaction withdrawal are both actions subject to a charge whose rate is specified in the prevailing Announcements of the Bank. You must tick the checkbox under this warning to accept it in order to be able to send the message:
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the feedback method and enter the mailing address or phone number where the Bank can contact you in the dropdown box as appropriate.
Complaint message type:
Select the desired category from the dropdown list.
Enter the details of the transaction in question in the various fields as required.
Select the feedback method and enter your mailing address or phone number where the Bank can contact you in the dropdown box as appropriate.
If you would like to reply to an existing message, click on the earlier messages.
If you would like to attach a file to your message, click on the button.
button to view the
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Enter your message in the message field, then format it using the icons above. The maximum message length is 10,000 characters.
You can use the following formatting options:
font type (regular, bold, italics, underlined)
manage special characters
attach link
select font colour
manage lists
align text right, centre, left or justified.
Click on the button to send your message to the Bank. You must sign your message; the process of signing is explained in Chapter 11.1.
Click on the button to return to the start screen of K&H e-bank.
7 Structure of the start screen of K&H e-bank
The start screen of K&H e-bank displays the following information:
Account balance details
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Aggregated balance: the aggregated balance of your account is displayed in the header of the account balance section.
Tick the check aggregated balance. circle next to each account whose balance you would like to include in your
You can add the balances of your various accounts to your aggregated balance or deduct them from it.
The balance of each selected account will be added to your aggregated balance in the currency
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
displayed in the section header. Last 30 days account balance changes will also show the balances of the selected accounts in the same currency.
You can total the available balances of your accounts in forint (HUF), euro (EUR), US dollar (USD) or
Swiss franc (CHF); click on the down arrow and select the desired currency from the dropdown list.
K&H e-bank converts all amounts at the prevailing K&H commercial mid-rate and the cross-rates calculated therefrom.
If you only have one account, the total available balance on this screen will be the balance of this account; click on the down arrow and select the desired currency to convert it into one of the above currencies.
List of bank accounts: all bank accounts you are authorised to access are displayed under your aggregated balance:
To view the details of an account balance in the above list, click on the account in question.
The details of the selected accounts are displayed under the account name. If your authority in respect of the account extends beyond viewing information, then the quick functions symbolised by orange icons on the right are also available.
Click on a quick function icon to go directly to the desired transaction screen.
The following quick functions are available on this page:
For forint (HUF) current accounts
HUF transfer
yellow postal cheque payment
mobile phone top-up
FX payment
fix term deposit
account history
For FX accounts
FX payment
fix term deposit
account history
For credit card accounts
card payment
credit card management
account history
You can set the order for the accounts to be displayed in by defining their priority in the Account Profile
Settings menu of the Settings selection screen.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Graphical representation of account balances:
Here you can see the graphical representation of the daily balances of the accounts selected for inclusion in your aggregated balance in the last thirty days, in the currency of your aggregated balance.
Move the cursor over the graph to see your balances on any given day.
Deposits
All term deposits (if any) are listed in this section.
Deposits are aggregated by account; each is shown under the account where it was fixed.
Click on an account to go directly to the term deposit enquiry page.
If the enquiry in question is not possible at the time, an orange triangle is displayed in place of the balance.
Investments
This screen enables you to view your securities accounts, if any. Click on the down arrow next to a securities account to go directly to the Balance, sale certificate screen of the Managing investments selection screen.
Recent Transactions
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Here you can view the last ten items posted to your accounts.
Click on the button next to a transaction to view its details.
Click on the button on the details page to print an statement in .pdf format about the transaction in question.
Click on the button to go directly to the account history menu item.
Click on the types:
button to copy a transaction. This works for the following order
domestic HUF transfer
– previous domestic forint transfer, sweep or top-up transfer, yellow postal cheque
international or domestic FX payment
– from previous transactions of the same type
fix term deposit
– from a previous term deposit
mobile phone top-up
– from a previous transaction of the same type
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
7.1 Help
The purpose of this menu is to make using e-bank easier. It explains each screen and helps you complete the required fields.
Help is displayed in a box on the right side of each screen.
Click on to view the information on the function in question in the pop-up box.
7.2 F.A.Q.
Frequently Asked Questions (F.A.Q.) answer questions commonly asked about the use of e-bank and banking products.
The F.A.Q. button is displayed in a box on the right side of each e-bank page.
7.3 Tips
The tips displayed on clicking on the Tips box on the right side of the screen offer useful advice to facilitate the easy use of the selected function.
7.4 Contacts
The Contacts box is displayed on the right side of the screen.
Click on on the main page of the e-bank to call up the Contacts page and view the contact details of the Bank.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
8 Accounts, bank cards
K&H retail e-bank
The following functions are available on this selection screen:
Click on the appropriate icon to start the required function.
8.1 Account data
This screen lists the accounts of the selected Client that you are authorised to manage. The latest available balance and the currency of each account are displayed next to the account name and number.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to view the detailed data of an account.
Certain quick functions are also available in the dropdown window. Click on a quick function icon to go directly to the desired transaction or settings screen.
Accounts are displayed on the screen in the order set and with the name specified in Settings /
Account profile settings. If you did not specify a name for an account, its number will be displayed in
GIRO format in the list. Click on the Account profile settings quick function icon to go directly to the
Account profile settings screen.
8.2 Account history
You can view the transactions on the selected account on the Account history screen. Account history can be checked for up to two calendar years.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
By default the screen displays the thirty latest items on your accounts in value date order. Click on the button to view the preceding thirty items.
If you would like to view the details of a transaction, click on the button next to it.
Click on the button on the details page to print a statement in .pdf format about the transaction in question.
Click on the types:
button to copy a transaction. This works for the following order
domestic HUF transfer
– previous domestic HUF transfer, regular, sweep or top-up transfer, yellow postal cheque
international or domestic FX payment
– from previous transactions of the same type
fix term deposit
– from a previous term deposit
mobile phone top-up
– from a previous transaction of the same type
To view the history of a single account, click in the account number field and select the account number in question from the dropdown list.
Click on the Advanced search setting button to select your transaction search criteria in the dropdown box.
To search by text, enter a string of characters in the field.
You can also export your account history enquiry in .csv or .xls format by clicking one of the following buttons:
8.3 Account statements, notifications
On this screen you can enquiry account statements and notifications for accounts you are authorised to manage. Account statements are generated in .pdf format. The contents and format of electronic statements are identical to those of the printed statements sent by post.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on this list to select the type of the document you would like to view:
Select the required month and year.
Click on the button to view the list of available documents.
Click on the description of a document to open it. To view your statements you need an application that can read PDF files, for example Acrobat Reader.
8.4 Manage bank cards, modify card limits
This screen enables you to view the bank card(s) linked to the accounts you are authorised to manage.
You can also apply for new bank cards, change existing card limits, renew or activate bank cards or request new PIN codes.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
The screen displays the cards which belong to the client on whose behalf you are acting and which you have access to, including credit cards.
Click on the button next to a bank card to view its details.
In addition to the details, the following quick functions are available in the dropdown window:
for credit and/or debit cards:
activate card
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
modify limit
renew card (available only from 45 to 90 days prior to the expiry date of the card in question)
reorder PIN code
pending transactions
transaction history
credit card details (only available for credit cards)
for new bank cards
apply for main card
Click on the appropriate quick function icon to go directly to the required transaction or settings screen.
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8.4.1 Apply for new bank card
To access this menu item click on the icon at the bottom of the screen listing your bank cards.
You can apply for bank cards linked to a current account but not for credit cards.
When you have entered the required details click on the button to generate a transaction to be signed. The application becomes final once you have signed it.
To return to the previous screen click on the button.
8.4.2 Modify card limit
This function can be used for modifying the cash withdrawal and purchase limits of a selected bank card and the settings for the 3D Secure Code service. Changes become effective once you have signed them.
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K&H Bank Zrt.
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When you have entered the required details click on the button to generate a transaction to be signed. Changes become effective once you have signed them.
To return to the previous screen click on the button.
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
8.4.3 3D Secure Code service
K&H Bank was the first major bank in Hungary to introduce the 3D Secure Code service based on the technology developed by the international card companies MasterCard and Visa International to provide an additional security layer for online payments on 7 December 2012.
The 3D Secure Code service means that, in addition to the CVC/CVV code of your card, you also have to enter another security code when shopping online (to be used in a similar fashion to PIN codes in brick-and-mortar stores) if the POS (merchant) in question uses this service in bank card acceptance.
When you initiate a payment the Bank sends a 3D Secure Code (which is unique for each transaction) by SMS to the mobile phone number you provided.
When you have entered the required details click on the button to generate a transaction to be signed. Changes become effective once you have signed them.
Click on the
8.4.4 Renew card
button to return to the previous screen.
This quick function is available only from 45 to 90 days prior to the expiry date of the card in question and enables you to request a replacement card early.
8.4.5 Reorder PIN code
You can order a new PIN code for your bank card on this screen.
When you have entered the required details click on the button to generate a transaction to be signed. The application becomes final once you have signed it.
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To return to the previous screen click on the button.
8.4.6 Transaction history
Click on the icon for the Transaction history quick function to go directly to the Account history screen where you can view the bank card transaction history of each account.
8.4.7 Credit card details
This function is only available for credit cards. Clicking on its icon will redirect you to the Credit cards menu.
8.4.8 Activate card
The icon of this quick function is only shown if the user has a card to be activated. Click on the icon to generate a transaction to be signed. The bank card in question will be activated once you have signed the transaction.
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9 Payment launch
The following types of order can be generated on this selection screen:
Click on the appropriate icon to go the required menu item. Only the menu items you are authorised to use are displayed on your screen.
9.1 General rules of transaction management
There are three types of transactions in K&H e-bank:
Financial transactions required to be signed: transactions resulting in a movement of funds.
Such transactions can be signed individually or in a batch. They include forint and FX payment orders, mobile phone top-ups, term deposit fixing, investment transactions etc.
Administrative transactions required to be signed: transactions not resulting in a movement of funds, authorising access to various bank services, modifying or cancelling terms and conditions.
Such transactions must be signed individually and immediately. They include bank card activation, the activation of the K&H mobilbank service, managing payees or limits, modifying a client’s contact details etc.
Other transactions not required to be signed: settings transactions whose purpose is to facilitate the use of K&H e-bank. They include transaction export or the customisation of an account name.
Transaction process
Transactions required to be signed are completed according to the following process:
data entry
Enter the transaction data.
Each transaction type requires a different set of data to be entered; these are described in detail in the relevant chapters.
Click on the to save the entry.
button at the bottom of the transaction screen
If you have entered an administrative order, you will be directed to the Orders to be signed screen.
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If the transaction you have entered can be entered or signed in a batch, it will be transferred to the orders to be signed and a popup window will appear where you have an option to start another transaction.
check
signature
confirmation
cancellation/modification
of orders sent
Click on the same type as the previous one.
button to enter an order of the
Click on the
Orders to be signed screen.
button to be directed to the
Click on the button to be directed to the
HUF payments selection screen where you can enter any type of transaction you are authorised to do.
Click on the button to return to the completed transaction page.
Transaction details can be checked and, if required, modified, on the
Orders to be signed screen. Checks and modifications are discussed in detail by transaction type in the chapter on managing orders.
This is the screen where you decide whether to submit the transaction for completion or to cancel it. Detailed information on this topic is provided in Chapter 10 Managing orders for all transaction types.
The Bank confirms whether a signed transaction has been accepted or rejected. Detailed information on this topic is provided in Chapter
10 Managing orders for all transaction types.
Pending and regular orders can be modified or cancelled. Detailed information on this topic is provided in Chapter 10 Managing orders for all transaction types.
Warning
Orders are only stored while you are logged on. Please sign your orders before logging out or they will be automatically deleted when you log out.
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K&H Bank Zrt.
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9.2 HUF payment
You can initiate HUF payments and transfer funds between your own HUF accounts on this screen.
Select account to be debited
This is where you can select the account from which you would like to make the payment or, if you would like to make a payment on behalf of another person, enter the actual payer
’s details.
Select the account to be debited from the dropdown list.
Click on the button if you would like to make a payment on behalf of another person and enter the actual payer’s details in the dropdown box.
Specify beneficiary account
In this section you can enter the details of the beneficiary and the ultimate beneficiary, if any.
Click on the button to view the payees already registered in the system in the dropdown list. Select the required payee whose details will then be displayed automatically by the system.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to view your own accounts in the dropdown list. Select the required account whose details will then be displayed automatically by the system.
As you type in the letters of the name (or account number) of the beneficiary all registered payees with the same combination of letters (or numbers) will be displayed.
If you would like to save the details of the payee so that you do not have to enter them again the next time, check the
field and enter a name and an account name.
Click on the beneficiary in the dropdown box.
button to enter the details of the ultimate
Enter payment details
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K&H Bank Zrt.
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If you would like to copy a previous transaction, click on the
button to view your earlier transactions. The system will automatically copy the details of the selected transaction into the current order.
The payment can be made immediately or on a later value date.
In the latter case specify the value date in the
field or click on the icon to select it from the popup calendar.
Click on the button to enter any additional parameters for the transaction in the dropdown box.
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Save order
Click on the button at the bottom of the screen to save the transfer order; you can then enter additional orders. For a saved transfer order to be completed, it must be signed first. The process of signing is discussed in a subsequent chapter.
Click on the button to cancel the transaction.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
9.3 Yellow postal cheque payment
The yellow postal cheque payment function of K&H e-bank enables you to initiate domestic HUF transfers. The screen mirrors the format of yellow postal cheques for your convenience. Copy the relevant details from the cheque into the white fields.
First select the account you would like to use for the transaction:
If you would like to pay the cheque in someone else’s name, click on the button and enter the actual payer’s details in the dropdown box.
Click on the button to view the payees already registered in the system. The system will automatically copy the details of the selected payee into the relevant fields.
If you would like to save the details of the payee so that you do not have to enter them again the next time, check the box and enter a name and an account name.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
A s you type in the letters of the name (or account number) of the beneficiary all registered payees with the same combination of letters (or numbers) will be displayed.
The payment can be made immediately or on a later value date. In the latter case specify the value date in the field or click on the icon to select it from the popup calendar.
Save order
Click on the button at the bottom of the screen to save the transfer order; you can then enter additional orders. For a saved transfer order to be completed, it must be signed first. The process of signing is discussed in Chapter 11.1.
Click on the button to cancel the transaction.
9.4 FX payment
You can initiate FX payments and transfer funds or initiate conversions between your own FX accounts.
Select account to be debited
This is where you can select the account from which you would like to make the payment.
Select the account to be debited.
Specify beneficiary account
In this section you can enter the details of the beneficiary.
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K&H Bank Zrt.
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Click on the button to view the payees already registered in the system in the popup list.
Select the required payee whose details will then be displayed automatically by the system.
Click on the button to view your own accounts in the popup list. Select the required account whose details will then be displayed automatically by the system.
A s you type in the letters of the name (or account number) of the beneficiary all registered payees with the same combination of letters (or numbers) will be displayed.
If you would like to save the details of the payee so that you do not have to enter them again the next time, check the
field and enter a name and an account name.
If you would like to copy a previous transaction, click on the button to view these details. The system will automatically copy the details of the selected transaction into the current order.
Enter details of beneficiary’s bank
In this section you can enter the details of the beneficiary’s bank. These fields can only be completed for intra-bank transfers.
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K&H Bank Zrt.
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The Bank ID (BIC/SWIFT code field is mandatory if the Bank country, Bank address and Other
identification code of bank fields are not filled in. The Name of beneficiary bank field is mandatory.
The Bank country, Bank address and Other identification code of bank fields are mandatory if the Bank ID (SWIFT/BIC) field is not filled in.
The Other identification code of bank always starts with two capital letters, then the subsequent numbers must be entered without any separators.
The Correspondent (SWIFT code) and the Correspondent fields are optional. If you have entered the SWIFT code you do not need to enter the name and address of the bank. If you fill in the
Correspondent field in the Beneficiary bank details section it will stop the automatic processing and may be subject to a charge for manual intervention.
Enter payment details
In this section you can enter the payment details.
Select the currency of the payment from the dropdown list. You can initiate payments in K&H e-bank in any currency in which the Bank transfers funds.
The payment type may be standard or urgent as per the terms and conditions set out in the Announcement.
The value date is determined by the Bank and it cannot be changed.
Banking costs can be split as follows:
SHA / K&H Bank fees and charges are charged to the party initiating the transaction; all other banking fees and charges are charged to the beneficiary (if the transaction involves a
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K&H Bank Zrt.
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conversion and it is to be completed in the currency of an EEA Member State or the beneficiary is in the territory of an EEA Member State, only SHA can be chosen).
OUR / K&H Bank fees and charges and all other banking fees and charges are charged to the beneficiary.
BEN / K&H Bank fees and charges and all other banking fees and charges are charged to the beneficiary. If the transaction involves a conversion and the currency of the account to be debited is an EEA currency, the transaction amount is specified in an EEA currency and the bank country is an EEA Member State, BEN is not available.
Save order
Click on the button at the bottom of the screen to save the transfer order; you can then enter additional orders. For a saved transfer order to be completed, it must be signed first. The process of signing is discussed in Chapter 11.1.
Click on the button to cancel the transaction.
9.5 Regular payment
On this screen you can initiate HUF payments to be made regularly, on predetermined dates between your own accounts or to third-party accounts.
Select account to be debited
This is where you can select the account from which you would like to make the payment.
Select the account to be debited from the dropdown list.
Specify beneficiary account
In this section you can enter the details of the beneficiary.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to view the payees already registered in the system in the popup list.
Select the required payee whose details will then be displayed automatically by the system.
Click on the button to view your own accounts in the popup list. Select the required account whose details will then be displayed automatically by the system.
If you would like to save the details of the payee so that you do not have to enter them again the next time, check the field and enter a name and an account name.
Enter payment details
Enter the payment details in this section.
Select payment frequency from the dropdown list. The days of the week on which the order will be subsequently completed are displayed in a separate field.
Click on the date/amount of the first/last transfer is different and enter the required information.
button if the
Click on the icon to use the calendar function.
If the value in the Last payment day field is
“withdrawal”, then the regular order will remain valid until you withdraw it. Enter a date here to determine the end date of this order.
Save order
Click on the button at the bottom of the screen to save the transfer order; you can then enter additional orders. For a saved transfer order to be completed, it must be signed first. The process of signing is discussed in Chapter 11.1.
Click on the button to cancel the transaction.
9.6 Authorisation for direct debit
This screen enables you to authorise service providers to collect funds directly from your account subject to the conditions specified in the authorisation.
Select account to be debited
Select the account you would like to be debited in this section:
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K&H Bank Zrt.
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Select the account to be debited from the dropdown list:
Select service provider
Select the service provider you wish to authorise to charge your account directly.
The name and ID of the service provider is stated on the invoices issued by the service provider.
Enter these details in the appropriate fields.
Start typing the name or ID of the service provider in the appropriate field; all registered service providers with the same combination of letters/numbers will be displayed to assist in finding the correct one quickly. Select the name or ID of the service provider from the list; the other field will be automatically filled in by the system. Please check the service provider ID on the invoice against the one shown in the list.
Enter consumer details
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The system will automatically complete the consumer’s name and address based on the account holder’s details registered by the Bank. Please check that your details are consistent with the details stated on the invoice and modify them as appropriate.
The consumer ID is stated on the invoice issued by the service provider. Copy the consumer ID into the relevant field.
You can specify a start date and an end date for the order. Click on the icon to use the calendar function.
You can also specify an upper debit limit. If the service provider would like to debit your account with an amount larger than your upper debit limit, the Bank will automatically reject the charge.
Check the about the upper debit limit.
button if you would like to notify the service provider
Save order
Click on the button at the bottom of the screen to save the transfer order. For a saved transfer order to be completed, it must be signed first. The process of signing is discussed in Chapter
11.1.
Click on the button to cancel the transaction.
9.7 Mobile phone top-up
This screen enables you to top up your mobile phone balance. Mobile phone top-ups are classified as bank card transactions.
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Select the account to be debited from the dropdown list.
Select the appropriate mobile telecommunications company by clicking on its logo, which will then appear framed.
The system displays the top-up amounts available at the company in question.
Select the amount , which will appear in orange background: .
Click on the button to view payees already registered in the system.
The phone number of the payee selected from the list will be automatically completed.
Save order
Click on the button at the bottom of the screen to save the order. For a saved transfer order to be completed, it must be signed first. The process of signing is discussed in Chapter 11.1.
Click on the button to cancel the transaction.
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10 Manage orders
Functions available on this selection screen:
Click on the appropriate icon to start the required function. Only the menu items you are authorised to use are displayed on your screen.
10.1 Manage orders to be signed
You can check, modify and approve the details of the orders entered. This menu item can be accessed from the menu or you will be automatically directed to this page following your entry of transactions.
Orders to be signed are grouped by account number to be debited in the priority order set in Settings
/ Account profile settings first and by value date second.
Click on a transaction to view its details in the dropdown box. Details vary by transaction type.
The following quick functions are available in the dropdown box:
Click on the Modify icon to go to the screen where you can modify the selected transaction.
Click on the Delete icon to delete the selected transaction.
Check the box to select a transaction for signing:
Click on the button to see how your balance will evolve in the next thirty days if you sign the selected transactions.
Click on the
Click on the them to the Bank.
button to delete all selected items.
button at the bottom of the screen to sign the selected orders, i.e. to send
Click on the button to return to the Managing orders selection screen.
10.2 Sign or delete transactions
Click on the icon of the Delete quick function in the dropdown window to delete the selected transaction.
You can sign or delete several transactions at the same time. Select the transactions to be signed or deleted by ticking the appropriate checkboxes:
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K&H Bank Zrt.
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Click on the button to delete all selected items.
Click on the button at the bottom of the screen to sign all selected transactions, i.e. to send them to the Bank for completion.
Click on the button to return to the Managing orders selection screen.
Transactions submitted via K&H e-bank can be signed using a chip card or with an SMS password.
If you are authorised to sign transactions both ways, click on the appropriate button to select signature with an SMS password or with a chip card.
Signature with an SMS password
Enter the password sent to your mobile phone number on record at the Bank in the SMS password field.
The SMS password thus received is only valid for the transactions selected, i.e. if you would like to initiate a new order you will need a new SMS password for it.
Signature with chip card
Insert your card in the chip card reader, select the Chip card option in the Signing device field on the Sign transaction screen and enter your PIN code.
10.2.1 Confirmation
All the transactions signed in the previous step are confirmed on this screen.
The transactions are grouped by account in the same order as in the previous screen.
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K&H Bank Zrt.
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Click on a transaction to view its details in the dropdown box. Details vary by transaction type.
Click on the
Confirmation screen.
button to generate a certificate in .pdf format about the orders shown on the
Click on the button; if you have other transactions to be signed and you would like to sign them immediately, you will have an option to return to the Orders to be signed screen; otherwise you will be redirected to the start page.
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10.3 Pending orders
This screen enables you to check, modify or delete the details of pending (value dated) orders.
Click on a transaction to view its details in the dropdown box. Details vary by transaction type.
Click on the Modify icon to go to the screen where you can modify the selected transaction.
Click on the Delete icon to delete the selected transaction, which will immediately generate a deletion order to be signed.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
10.4 Direct debit orders
This screen enables you to view, modify or delete the details of your active direct debit orders.
Direct debit orders are grouped and displayed on the screen by account in the order set and with the name specified in the Settings / Account profile settings menu item.
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Click on a transaction to view its details in the dropdown box. The following quick functions are available here:
Click on the Modify, suspend icon to modify the details of the transaction or suspend it.
Suspension can commence on the first banking day following its submission and its start and end dates cannot be the same.
Click on the quick function screen to go to the Direct debit orders screen where, once you have modified the details of the order, you can create an order to be signed in accordance with the general transaction rules. The modification/suspension will become effective once the order has been signed.
Click on the Delete icon to delete the selected direct debit order; this creates an order to be signed in accordance with the general transaction rules. The direct debit authorisation will be cancelled once this order has been signed.
Click on the Reject icon to prevent completion of the transaction to charge your account. This icon is only displayed on your screen if there is an item to be charged under the direct debit authorisation. Clicking on the quick function icon creates an order to be signed in accordance with the general transaction rules. The direct debit authorisation will be cancelled once this order has been signed.
Active direct debit orders are marked with and cancelled ones with in the list. The symbol indicates that there is an item to be collected under the direct debit authorisation in question.
10.5 Completed orders
This screen enables you to check your transactions completed in the last thirty days and to initiate new ones by using (cloning) their details.
The completed orders shown on this screen are orders submitted via e-bank and completed. They include mobile phone top-ups but no other bank card transactions.
The completed orders are shown by account number in the order set in Settings / Account profile
settings, while administrative items are shown in reverse chronological order.
Click on the or the button to view financial transactions or administrative items. The selected category will appear in orange background and the inactive one in blue.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on a transaction to view its details in the dropdown box where you can use the Clone quick function to initiate new transactions of the following types:
domestic HUF transfer
yellow postal cheque payment
international or domestic FX payment
mobile phone top-up fix term deposit
Clicking on the quick function button directs you to the appropriate transaction screen where the system will copy the previous transaction. Check / modify the details, then create an order to be signed according to the general transaction rules. Cloned orders will be completed once they have been signed.
10.6 Failed transactions
This screen enables you to check your failed transactions in the last thirty days and to initiate new ones by using (cloning) and modifying their details. The list includes mobile phone top-ups but no other bank card transactions.
Failed transactions are grouped by account number and displayed in the priority order set in Settings
/ Account profile settings, while administrative items are shown in reverse chronological order.
Click on the or button to view financial or administrative transactions. The selected category will appear in orange background and the inactive one in blue.
Click on a transaction to view its details in the dropdown box where you can also access the Clone quick function for the following order types:
domestic HUF transfer
yellow postal cheque payment
international or domestic FX payment
mobile phone top-up
fix term deposit
Clicking on the quick function button directs you to the appropriate transaction screen where the system will copy the previous transaction. Check / modify the details, then create an order to be signed according to the general transaction rules. The copied order will be completed once it has been signed.
10.7 Regular orders
This screen enables you to view your active regular orders and to modify or delete them.
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K&H Bank Zrt.
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Click on a transaction to view its details in the dropdown box. Details vary by transaction type.
Click on the Modify icon to go to the screen where you can modify the selected transaction.
Click on the Delete icon to delete the selected transaction. Deleting the transaction immediately generates an order to be signed.
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
11 Manage deposits
The following functions can be accessed from the Managing deposits selection screen:
Click on the appropriate icon to go to the required menu item. Only the menu items you are authorised to use are displayed on your screen.
11.1 Deposit list
This screen lists deposits by account.
The
The
symbol represents revolving deposits. One-time term deposits are not marked.
warning symbol is shown next to deposits expiring within five days. The details of such deposits include the warning message
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Click on the button to view the details of a term deposit.
The following quick functions are available on this screen:
Click on the Instant withdrawal icon to withdraw the selected deposit immediately. Clicking on the icon generates a transaction to be signed. The funds will be withdrawn once the transaction has been signed.
Click on the Finish on rollover icon to not fix the selected term deposit again on its rollover date. Clicking on the icon generates a transaction to be signed. The instruction will be final once the transaction has been signed.
Click on the Modify icon to go to the Modify deposit screen to modify the parameters of a term deposit.
11.1.1 Modify deposits
This screen enables you to change the amount and term of a selected deposit.
Modifications always become effective on the rollover date of the deposit in question.
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You can change the following parameters of a term deposit on this screen:
One-time deposits cannot be revolving.
You can change the duration and the amount of revolving term deposits and where their interest should be credited. Click on the finish on rollover function to stop further revolving in the case of revolving deposits.
Click on the button at the bottom of the screen to save the modified transaction. For a saved transaction to be completed, it must be signed first.
Click on the button to cancel the modifications.
11.2 Fix term deposits
This screen enables you to fix new term deposits.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the account you would like to use for fixing the term deposit from the dropdown list:
Select the deposit type from the dropdown list and specify whether you would like the deposit to be one-off or revolving. Revolving deposits are automatically fixed at the end of the specified period for the same period.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
If you are fixing a revolving deposit, specify whether you would like the interest to be credited to the deposit or the account.
If the interest is credited to the deposit, it will be capitalised, i.e. at the end of the specified period the interest will be added to the original amount and this new higher amount will be fixed.
If the interest is credited to the account, only the original amount of the deposit will be fixed again.
Enter the amount of the term deposit in the field, then click on the button to view the estimated interest amount.
Click on the button at the bottom of the screen to save your term deposit order. For it to be completed it must be signed first.
Click on the button to cancel the transaction.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
12 Manage investments
The Managing investments selection screen is only accessible to you if you have a signed agreement for the provision of investment services in place. The following functions are available on the screen:
Click on the appropriate icon to go to the required menu item. Only the menu items you are authorised to use are displayed on your screen.
12.1 Information on investments provided when purchasing securities
In order to be able to purchase securities (investment units, stock exchange securities and government bonds), you first have to accept that you will be provided information pertaining to these products via the e-bank by ticking the checkbox on the Managing
investments selection screen, otherwise the menu items required for such transactions will not be displayed.
Pursuant to the Investment Services Act, the sale of financial instruments and investment products is subject to the completion of a suitability test whose purpose is to assess a client’s investment goals, their knowledge and experience of investments and their finances. The sale of certain (complex) products to retail clients is also subject to the completion of an appropriateness test, which only assesses a client’s knowledge and experience of investment products.
Depending on your choice of product type you will be required to do either of the following when entering a buy order:
sign a so-called MiFID disclaimer statement or
complete a so-called MiFID appropriateness test.
MiFID disclaimer statements
The following screen will be displayed in the case of investments products whose sale is subject to signing a MIFID disclaimer statement:
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Buy orders for such investment products can only be submitted if you have signed the above disclaimer statement, which you can do by ticking the checkbox.
Completion of a MiFID appropriateness test
The following screen will be displayed in the case of investments products whose sale is subject to the acceptance of a MiFID appropriateness test:
Click on the button to go to the screen where you can complete the MiFID questionnaire for the product in question. The contents of the questionnaire may vary by product. Below is an example:
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the correct answers, then click on the button to have your questionnaire evaluated. A popup message will inform you whether K&H Bank recommends the proposed transaction for you in light of your answer. If not, please reconsider your intention.
Click on the button if you do not wish to complete the test.
12.2 Request investment services
You can only request investment services if you have a securities account at K&H. Click on Investments to go to the application form. Investment services must be requested for all your accounts, i.e. any accounts you may open subsequently will appear in e-bank.
12.3 Balances, sales, certificates
This screen offers an overview of the funds and securities available on your securities accounts with
K&H Bank.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Your securities accounts and the securities held on them are listed one by one, in blocks. The available balance amount and the daily portfolio value of each securities account are listed on separate lines. The accounts are displayed on the screen in the order set and with the name specified in the Settings / Account profile settings menu item.
This is followed by an itemised list of the various securities held on the account in question.
Click on the button next to a securities account to access the following quick functions:
Click on the icon of the Account history quick function to go to the Account history menu item where you can view the history of the investment account in question.
Click on the icon of the Statements quick function to go to the Account statements,
notifications screen where you can view the account statements of the selected securities account.
Click on the icon of the Order list quick function to go to the Pending orders screen where you can view the pending orders on your securities accounts.
Click on the button next to a securities account to view the details of all securities held on the account in question in the dropdown window.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
The following quick functions are also available in the dropdown window:
Click on the icon of the Sell quick function to go to the Sell investment notes / stock
exchange securities / government bonds screen to sell the selected securities.
Click on the icon of the Switch quick function to go to the Switch investment units screen where you can replace the selected investment unit with another investment unit traded by
K&H. This quick function icon is only available for investment units.
Click on the icon of the Delivery certificates quick function to go to the Account statements,
notifications screen where you can view the delivery certificates of the selected securities account.
Click on the icon of the Order list quick function to go to the Pending orders screen where you can view the orders pending on your securities accounts.
12.3.1 Switch investment units
This screen enables you to submit orders for replacing the investment units on your securities accounts with other investment units traded by K&H Bank.
The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select the securities account on which the investment units you are proposing to replace are held in the first section. The dropdown list only shows the securities accounts on which investment units are kept.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the investment units you are proposing to replace from the dropdown list in the left column of the second section. If you would like to replace all the investment units, tick the checkbox; otherwise specify the amount to be replaced.
Select from the dropdown list in the right column of the second section the investment units with which you are proposing to replace the investment units selected in the left column. The number of investment units will be calculated automatically from the amount to be replaced.
Click on the button to view the details of the proposed switch; the preliminary calculation is based on the prices applicable at the time of your enquiry. You can also read the
MiFID disclaimer statement here.
For the order to be saved you must accept the disclaimer statement by ticking the checkbox next to
.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
The system displays when and how many of the selected investment units you bought and at what price in the preliminary calculation table.
Specify in the Number of items for sale column how many units you would like to switch. The system selects the units you bought first (according to the FIFO method) but you can override this.
Change the quantities as required and click on the calculation again.
button to run the preliminary
Please bear in mind that your choice will have an effect on the price gain / loss resulting from the transaction!
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.3.2 Sell investment units
This screen enables you to submit an order to the Bank to sell investment units kept on your securities accounts. The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select the securities account on which the investment units you are proposing to sell are held in the first section. The dropdown list only shows the securities accounts on which saleable investment units are kept.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select from the dropdown list in the second section the type of the investment units you are proposing to sell. If you would like to sell all the investment units of this type, tick the checkbox; otherwise specify the sale amount.
Click on the button to view the details of your sale order; the preliminary calculation is based on the prices applicable at the time of your enquiry.
The system displays under the preliminary calculation table when and how many of the selected investment units you bought and at what price
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Specify in the Number of items for sale column how many units you would like to sell. The system selects the units you bought first (according to the FIFO method) but you can override this.
Change the quantities as required and click on the calculation again.
button to run the preliminary
Please bear in mind that your choice will have an effect on the price gain / loss resulting from the transaction!
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.3.3 Sell securities on the stock exchange
This screen enables you to give the Bank orders to sell securities kept on your securities accounts on the stock exchange. The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select the securities account on which the securities you are proposing to sell on the stock exchange are held in the first section. The dropdown list only shows the securities accounts on which saleable securities are kept.
Select from the dropdown list in the second section the type of securities you are proposing to sell on the stock exchange, then specify how many and at what minimal (limit) price. If you would like to sell all the securities of this type, tick the checkbox.
Click on the button to view the details of your sale order; the preliminary calculation is based on the prices applicable at the time of your enquiry.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
The system displays under the preliminary calculation table when and how many of the selected stock exchange securities you bought and at what price.
Specify in the Number of items for sale column how many stock exchange securities you would like to sell. The system selects the units you bought first (according to the FIFO method) but you can override this.
Change the quantities as required and click on the calculation again.
button to run the preliminary
Please bear in mind that your choice will have an effect on the price gain / loss resulting from the transaction!
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.3.4 Sell government bonds
This screen enables you to give the Bank orders to sell government bonds kept on your securities accounts.
The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the securities account on which the government bonds you are proposing to sell are held in the first section. The dropdown list only shows the securities accounts on which saleable investment units are kept.
Select from the dropdown list in the second section the type of government bonds you are proposing to sell. If you would like to sell all the government bonds of this type, tick the otherwise specify how many you would like to sell.
checkbox;
Click on the button to view the details of the proposed sale; the preliminary calculation is based on the prices applicable at the time of your enquiry. You can also read the
MiFID disclaimer statement here.
For the order to be saved you must accept the disclaimer statement by ticking the checkbox next to
.
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.3.5 Order list
Click on the Order list icon to go to the Pending orders screen where you can view pending orders given for your securities accounts.
12.4 Buy investment units
This screen enables you to buy investment units traded by K&H Bank. The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select from the dropdown list in the first section the securities account to be debited with the transaction.
Select from the dropdown list in the second section the investment unit you would like to buy and the buy amount. Only investment units that can be charged to the selected securities accounts are displayed in the list.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to view the details of the proposed transaction; the preliminary calculation is based on the prices applicable at the time of your enquiry. You can also read the
MiFID disclaimer statement here.
For the order to be saved you must accept the disclaimer statement by ticking the checkbox next to
.
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.5 Standing order to purchase investment units
This screen enables you to give a standing order for purchasing investment units traded by K&H Bank.
The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select from the dropdown list in the first section the securities account to be debited with the transaction.
Select from the dropdown list in the second section the investment unit you would like to buy and the buy amount. Only securities that can be charged to the selected securities accounts are displayed in the list.
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the investment fund in question from the dropdown list.
Specify the purchase amount.
Specify the frequency at which the order is to be completed from the dropdown list. The days of the week on which the order will be subsequently completed are displayed in a separate field.
Specify the start date and the end date of the order. Click on the icon to use the calendar function. If you specify the date on which the last purchase is to be made, this date will also be the end date of the standing order.
Below is the so-called MiFID disclaimer statement. For the order to be saved you must accept the disclaimer statement by ticking the checkbox next to .
Click on the button at the bottom of the screen to save the order. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.6 Buy at stock exchange
This screen enables you to buy stock exchange securities. The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select from the dropdown list in the first section the securities account to be debited with the transaction.
Select from the dropdown list in the second section the listed security you would like to buy, the number you would like to buy and the maximum (limit price). Only securities that can be charged to the selected securities accounts are displayed in the list.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to view the details of the proposed transaction; the preliminary calculation is based on the prices applicable at the time of your enquiry. You can also read the
MiFID disclaimer statement here.
For the order to be saved you must accept the disclaimer statement by ticking the checkbox next to
.
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to cancel the transaction.
12.7 Buy government bonds
This screen enables you to buy government bonds traded by K&H Bank. The process follows the general rules of transaction management described in the chapter discussing the Payment launch selection screen.
Select from the dropdown list in the first section the securities account to be debited with the transaction.
Select from the dropdown list in the second section the type and number of government bonds you would like to buy. Only government bonds that can be charged to the selected securities accounts are displayed in the list.
Click on the button to view the details of the proposed transaction; the preliminary calculation is based on the prices applicable at the time of your enquiry.
If you have not completed a MiFID appropriateness test yet, you can do so in the next section. Your order can only be saved if you have completed or refused to complete the MiFID test.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to go to the screen where you can complete the MiFID questionnaire for the product in question.
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
12.8 HUF payment
This screen enables you to initiate HUF payments between your own accounts or to third-party accounts from your investment account.
Warning
HUF payments from your investment account can only be made subject to the following conditions:
The beneficiary of the payment must be an investment partner registered among your payees that has an account at K&H Bank or another financial institution.
The account to be debited and the account to be credited must be in the same currency, i.e. the order can only be completed if it does not require conversion.
Select from the dropdown list in the first section the investment account to be debited.
Specify in the second section the details of the beneficiary.
Click on the button to select a payee already registered in the system. Only payees with a HUF account will be displayed in the dropdown list. The details of the selected payee will be automatically displayed by the system.
Click on the button to select a HUF account of your own from the dropdown list. The details of the selected account will be automatically displayed by the system.
Specify the payment details in the third section:
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
If you would like to copy a previous transaction to the payee in question, click on the
button to view your earlier transactions. The system will automatically copy the details of the selected transaction into the current order.
The payment can be made immediately or on a later value date. In the latter case specify the value date in the field or click on the icon to select it from the popup calendar.
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.9 FX payment
This screen enables you to initiate FX payments from your investment account that involve no conversion between your own accounts or to third-party accounts.
Warning
FX payments from your investment accounts can only be made subject to the following conditions:
The beneficiary of the payment must be an investment partner registered among your payees that has an FX account at K&H Bank (FX payments to FX accounts kept with other banks cannot be made via e-bank).
The account to be debited and the account to be credited must be in the same currency, i.e. the order can only be completed if it does not require conversion.
Select from the dropdown list in the first section the FX investment account to be debited.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Specify in the second section the details of the beneficiary.
Click on the button to select a payee already registered in the system. Only payees with an FX account kept in the same currency as the FX account to be debited will be displayed in the dropdown list. The details of the selected account will be automatically displayed by the system.
Click on the button to select an FX account of your own from the dropdown list. Only accounts in the same currency will be displayed. The details of the selected account will be automatically filled in by the system.
If you would like to copy a previous transaction to the payee in question, click on the
button to view your earlier transactions. The system will automatically copy the details of the selected transaction into the current order.
Specify the payment details in the third section:
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button at the bottom of the screen to save the order; you can then enter additional orders. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
12.10 Account history
Click on the Account history icon to go to the Account history screen and view the account history of a selected investment account.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
13 Credit cards
You can only see the selection screen if you are authorised to view/manage credit cards.
This screen enables you to view the cards linked to the credit card accounts you are authorised to manage and to carry out transactions associated with these cards.
Click on the transaction history icon to go to the account history screen to view the credit card transactions of the last thirty days.
Click on the pending transactions icon to go to the account history screen to view the pending credit card transactions generated in the last thirty days.
Click on the cycle transactions icon to go to the credit card transactions booked in the
current cycle screen to view the transactions generated since the last payment date of the credit card in question.
Click on the button next to a transaction to view its details.
Click on the Card statement icon to go to the screen where you can view and download credit card statements for the card in question.
Click on the card repayment icon to initiate a payment to the credit card in question.
You will be directed to the HUF payment screen where the following transaction details are already filled in:
Account to be debited:
Beneficiary’s name:
Beneficiary’s account number:
Value date:
Payment amount:
The first HUF account in the priority
order specified in Settings.
Name of the credit card account.
Account number of the credit card account.
Due date.
The minimum amount payable.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Comments:
Due date.
You can change the details of the order at your discretion before submitting it via e-bank.
The transaction must be entered and signed in the same manner as HUF payments.
Click on the card mgmt icon to go to the Card management, modify card limit screen where you can view the details of the credit card in question and modify its purchase and cash withdrawal limits.
14 Insurance
You can buy the following types of insurance via K&H e-bank:
Click on the button to be redirected to the www.khdirektbiztositas.hu page of K&H Insurance in a new window where you can calculate the costs associated with the various insurance products and sign insurance policies.
The original K&H e-bank page remains open for your further use.
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15 Settings
The Settings selection screen enables you to view the following information and perform the following settings:
Click on an icon to go to the required screen.
15.1 Set default client
This icon only appears on your screen if you are authorised to manage more than one client.
We recommend that you set the client on whose behalf you use K&H e-bank the most frequently as the default client. When you enter K&H e-bank the system will display the accounts of the default client first.
The screen lists the clients whose accounts you are authorised to manage in K&H e-bank. Tick the check circle next to the client you would like to set as the default client. You can only select one default client.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
This transaction is not required to be signed; just click on the button to modify the default client. The system will immediately confirm whether the transaction was successfully performed. The modification will take effect on your next login.
Click on the button to cancel the transaction.
15.2 Account profile settings
This screen enables you to give your accounts unique names so that you can easily identify them and to set your accounts in the order in which you would like to see them in the dropdown lists in e-bank.
The account names specified in this menu item will be displayed in the priority order set here in all the screens of K&H e-bank where you have to select an account.
You can also specify the accounts you would like to be able to manage in K&H e-bank.
Tick the checkbox next to an account if you would like to manage it in K&H e-bank as a retail client.
Enter an account name of your choice in the appropriate field, then select the priority of the account from the dropdown list . The account assigned priority 1 will be displayed first in the list of accounts throughout the system.
This transaction is not required to be signed; just click on the button to modify your account settings. The system will immediately confirm whether the transaction was successfully performed.
The modification will take effect on your next login.
Click on the button to cancel the transaction.
15.3 Change chip card PIN code
This icon only appears on your screen if you have a chip card for K&H e-bank and you have logged on to the system using your chip card.
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to enter your existing PIN code, then enter a new code and confirm it by entering it again. Your new chip card PIN code can be maximum 20 characters long and it can only contain numeric characters.
This transaction is not required to be signed; just click on the button to modify your PIN code or on the button to return to the previous screen. The system will immediately confirm whether the transaction was successfully performed.
15.4 Enable SMS login
As a K&H e-bank user you can enable SMS login on this screen. An SMS will be automatically sent to the mobile phone number you provided in Settings / Personal data.
SMS login can only be authorised if you have already entered a user name and password or provide these during the transaction.
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Tick the checkbox to enable SMS login.
This transaction must be signed. Click on the sign it immediately.
Click on the
button at the bottom of the screen to save it and
button to cancel the transaction.
15.5 Change password
The Change password icon only appears on your screen if you already have a password.
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Enter a new password on the screen, then confirm it by entering it again.
This transaction must be signed. Click on the button at the bottom of the screen to save the order. For the saved transfer order to be completed, it must be signed first.
Click on the button to cancel the transaction.
15.6 Personal data
This screen enables you to view or modify your contact details and you can consent to being contacted by the K&H Group for marketing purposes.
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Complete or modify your mailing address details. The Securities account mailing address section only appears on your screen if you are using the investment services of K&H Bank.
Tick the purposes.
checkbox if you consent to being contacted by the K&H Group for marketing
This transaction must be signed. Click on the button at the bottom of the screen to save it.
For the saved transfer transaction to be completed, it must be signed first.
Click on the button to cancel the transaction.
15.7 Pa yees’ settings
This screen enables you to view and modify or delete the details of payees already registered in the system and to add new payees.
We recommend that you register all beneficiaries to whom you make payments and all mobile phone numbers that you top up frequently.
Click on the button to view payees registered in the system, then select one; their details will be automatically displayed by the system so you do not need to enter them again.
Only the payees in to whom the transaction in question is applicable are displayed in the dropdown list on each transaction screen.
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Warning
You can only initiate transactions to registered payees via the K&H mobilbank service.
Likewise, you can only make investment-related HUF and FX payments to payees registered for this purpose.
Payee settings in K&H e-bank:
Each payee must be given a name.
Details for payees can be entered for three transaction types:
accounts
(for HUF and FX payments, yellow postal cheque payments etc)
mobile phone numbers
(for mobile phone top-ups)
payees set up for investment purposes
(securities accounts or bank accounts to which you would like to initiate payments from a securities account kept with K&H Bank)
You can enter and name an unlimited number of account numbers or mobile phone numbers for each transaction type.
View payee details
All the payees you entered in K&H e-bank are displayed on the screen. The transaction types for which you provided details for a payee are checked with a .
Click on the button next to a payee to view their detailed information in the system.
Enter a string of characters in the Search field to search for a payee.
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1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Modify payee details
Click on the i con to modify a payee’s details.
The Edit payee screen enables you to change existing details and save the transaction.
Delete payee
Click on the to delete a selected payee.
This transaction is not required to be signed.
Add new payee
Each transaction screen enables you to register the beneficiary of a transaction as a payee; the process is described there.
Click on the button on this screen to add a new payee.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Enter payee name
To add a new account, click on the button and complete the fields in the dropdown list.
The account name and the beneficiary’s account number and name are mandatory fields.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Click on the button to delete / reject the details entered.
To enter a new mobile phone payee, click on the button and complete the fields in the dropdown list. The name of the mobile phone number and the mobile phone number itself are mandatory fields.
Click on the (delet) button to delete / reject the details entered.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Save transaction
The registration and modification of payee details are transactions that must be signed. Click on the
button at the bottom of the screen to save such transactions and sign them immediately. If you navigate from the screen before signing such a transaction, it will be deleted.
Click on the button to cancel the transaction.
15.8 View K&H e-bank activity log
This screen enables you to view all the activities you have performed in K&H e-bank in reverse chronological order.
15.9 Electronic and printed statement order
You can specify on this screen whether you would like to receive printed bank account statements.
Electronic account statements are available to all e-bank users irrespective of whether or not they request printed statements.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Tick the appropriate checkbox next to the description of each statement to specify whether you would like to receive printed current account and securities account statements.
The request for printed statements pertains to all accounts of the same type of a client, i.e. you can request printed statements for all your current accounts or all your securities accounts but not for individual accounts.
This transaction must be signed. Click on the button at the bottom of the screen to save it and sign it immediately. If you navigate from the screen before you do so, the transaction will be deleted.
Click on the button to cancel the transaction.
15.10 K&H mobilinfo SMS settings
K&H e-bank enables you to request or cancel the K&H mobilinfo service or to modify its settings.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Enter a mobile phone number, then click on the button to save it.
Tick the checkbox placed before the accounts about which you would like to receive text messages.
Select the language in which you would like to receive your messages; you can choose from English,
German and Hungarian.
Specify for each account the transaction types about which you would like to be notified and also the minimum amount of these transactions.
Click on the Record mobile number button to add more mobile phone numbers.
This transaction must be signed. Click on the button at the bottom of the screen to save it and sign it immediately. If you navigate from the screen before you do so, the transaction will be deleted.
Click on the button to cancel the transaction.
15.11 K&H credit card mobilinfo SMS settings
If you have a credit card you can request the K&H credit card mobilinfo service, modify its settings or cancel it.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Select the language in which you would like to receive your messages; you can choose from English,
German and Hungarian.
Specify for each account the transaction types about which you would like to be notified.
This transaction must be signed. Click on the button at the bottom of the screen to save it and sign it immediately. If you navigate from the screen before you do so, the transaction will be deleted.
Click on the button to cancel the transaction.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
15.12 View K&H mobilinfo SMS history
This screen enables you to view the text messages sent as part of the K&H mobilinfo service.
SMS history can be viewed by account so select the account first.
Set the period whose text messages you would like to view.
Click on the Search button to display the matching text messages.
15.13 Request K&H mobilbank
K&H mobilbank will be immediately available upon activation
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
If you do not have a user name and a password, enter these when you are activating K&H mobilbank, otherwise you cannot use it.
15.14 View earlier mobile phone top-ups
On the screen enables you to view successful and failed mobile phone top-ups initiated in K&H e-bank.
Mobil phone top-ups, regarded as bank card transactions, are displayed in reverse chronological order by bank card.
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K&H Bank Zrt.
1095 Budapest, Lechner Ödön fasor 9. phone: (06 1) 328 9000 fax: (06 1) 328 9696 www.kh.hu • [email protected]
Useful tips
Disclose confidential information (personal ID document numbers, addresses, bank account numbers, bank card numbers etc) to authorised persons and organisations only.
Do not under any circumstances disclose such information on websites whose authenticity you
doubt or are not in a position to verify.
Never disclose confidential passwords, PIN codes or codes received by text message, not even to the employees of K&H Bank!
K&H Bank never requests such information from its clients by email, online by providing a link by email or in a (popup) window in your internet browser. In particular, K&H Bank never block a client’s account for their failure to provide such details in this manner!
Do not reply to any letters requesting personal details received from persons or organizations acting on behalf of K&H Bank, or claiming to be doing so, and requesting such information. Please notify K&H
Bank if you receive such a letter!
Never try to access the website or the e-bank service of K&H through a link provided by email; always type the correct website address in your internet browser.
Beware of unfamiliar software, especially if it is from a source unknown to you. K&H Bank never requests you by email to download and install any software, including in-house software developed specifically for our clients!
Do not use K&H ebank in internet cafés or other public places.
Ensure that your passwords are sufficiently long and complex (comprising numbers, upper and lower case letters and also special characters). Avoid simple PIN codes (e.g. 222222, 123456, 654321, birth date).
Do not logon to K&H e-bank if your browser is indicating a certificate error.
Close all other internet contacts while you are using K&H e-bank.
Always log out of K&H e-bank, close the browser and remove your chip card from the card reader once you have finished your online banking.
Do not reply to emails offering you a job or cash prize in exchange for your transferring an
amount to a specified account number once they have sent it to your account. The senders of these letters only want to get their hands on your bank account number!
When you are contacted by phone, always verify the identity of the caller (e.g. by calling them back) before disclosing confidential information.
Phone number for TeleCenter / Corporate Customer Service: +36 (1/20/30/70) 3353355.
Please read also our other information documents (K&H e-bank FAQ, Security information documents) for further information on the (secure) use of our services.
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