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1. transactions overview By clicking the particular transaction detailed overview of charged and pending instalments is shown Maestro Plus transactions amp user IME PREZIME H User notifications Transaction Installment Number Messages i g ae ATM y se oP Paid Outstanding NetBanking News pros HRK HRK HIL f delay INES Received e bills 26 04 2013 ATM ERSTE ATM A1247011 OGULIN 1 500 00 250 00 6 30 1 500 00 0 00 Maturity Date of Installment t Payment orders date collection amount b FX orders 1 26 05 2013 26 05 2013 250 00 t Deposit orders 2 26 06 2013 26 06 2013 250 00 Erste PENG 3 26 07 2013 26 07 2013 250 00 OOOORSGV RONA 4 26 08 2013 26 08 2013 250 00 Izaberite vrstu portfelja u koji 5 26 09 2013 26 09 2013 250 00 zelite ulagati 6 26 10 2013 26 10 2013 250 00 vise TOTAL 1 500 00 Customer service 072 555 555 Figure 11 Maestro plus transaction details overview J TRANSACTIONS PER ACCOUNT Erste NetBanking user manual for retail clients By clicking the invoice number a screen showing the transactions per the account is displayed Options for the display of transactions per the account are e the chronological display of the last 50 transactions on screen while you need to select next to view the next 50 transactions and previous to view the previous 50 e search through transactions by date of execution e insight into the details of each tr
2. H Internal transfer for private users National payment Purchase and sale of foreign currency I International payment Rijeka City Card Templates H Internal transfer for private users National payment H International payment Rijeka City Card e bills H Received e bills Open e bill Automated payments H Standing orders Direct debit GSM vouchers H Purchase GSM voucher Erste Chat Imate pitanje Javite nam se es putem Erste Chata vise mim Hrvatski user IME PREZIME Balance National Payment Order in Croatian kunas Payer EJ Help EN Settings FQ Transaction status E Cancellation E Calculators B Fees J Select client Payments Erste NetBanking user manual for retail clients Overview of payments Savings Funds Services IBAN or payers account number HR1224020063200000000 Teku i ra un 3200000000 Mode Charge reference no HR Currency 191 HRK Payer Recipient IBAN ofthe recipient HR Mode Reference No HR 99 w Payment Amount Purpose Code A Description Date of execution 25 08 2014 Send e mail confirmation of transaction IBAN calculator BE mandatory fields Mode and payer Reference number are mandatory in case of salary payment Figure 6 Menus within the Erste NetBanking service Customer service 072 555 555 At the top of each screen of Erste NetBanking an additional menu is available
3. Mode and payer Reference number are mandatory in a case of salary payment Back Figure 41 Overview of one announced payment order 7 1 2 Overview of completed payment orders Completed payment orders can be viewed by choosing the option Payment orders Completed in menu overview of payments 1 By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment 2 The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions 3 By clicking the account number on the left side of each order a detailed view of the selected order is displayed For a detailed listing of each non completed payment order it is possible to e enter a new order based on the displayed order by clicking on the lt enter new link e create a template based on the displayed order by clicking on the lt template gt link 56 Erste NetBanking user manual for retail clients me Hrvatski FA Help EN Settings FQ Transaction status Cancellation FE Calculators 5 Fees ERSTES Bank Balance Payments Overviewofpayments Savings Funds Services Payment orders Payment orders completed Unsigned user IME PREZIME a Announced t Completed Search Non completed Canceled Payer s account number Charge to In benefit of PEDER Description of transaction
4. 25 Erste NetBanking user manual for retail clients 6 PAYMENTS 6 1 PAYMENTS Menu payments enables execution of different payments opening and overview of received e bills standing order contracting and GSM vouchers purchase with the following options included New order Templates E bills Standing orders GSM vouchers e Internal transfer e Internal transfer e Received e bills e Standing order e Purchase GSM for private users for private users e Open e bill e Direct debit vouchers e National payment National payment e Purchase and sale e International of foreign payment Sa kle e Rijeka City Card e International payment e Rijeka City Card Payment can be completed from user s transaction accounts and from accounts for which the user has a power of attorney 6 1 1 SIGNING ORDERS Transactions which individually or collectively exceed the amount of 5000 00 kn per day have to be additionaly confirmed or signed in order to be executed User can sign the transaction using Maestro display or Erste display card or using mToken by entering the enquiry shown on NetBanking sheet into the card mToken The card or mToken then generates a code which the user now enters in Reply option in NetBanking sheet If you enter an incorrect code for the fith time access to NetBanking service will be blocked In that case user can deblock the access to NetBanking by calling the Contact center Transactions can be signed
5. Direct debit in menu overview of payments new page is opened with overview of all contracted direct debit orders for user s accounts and accounts for which a user has a power of attorney 62 Erste NetBanking user manual for retail clients In the overview of all opened direct debits by clicking to the account number overview of an individual order is opened me Hrvatski EJ Help EN settings PY Transaction status El Cancellation E Calculators ij Fees select client ERSTES Bank Balance Payments Overviewofpayments Savings Funds Services Payment orders Overview of direct debit orders m o Unsigned user IME PREZIME Ha Announced Completed Non completed Open a new direct debit Canceled Charge to account IBAN Currency Name of recipient Indetification of the order Date of contracting International payments HR0024020063200000000 HRK ERSTE CARD CLUB D D 123456789 15 02 2010 gt Unsigned HR0024020063200000000 HRK HRVATSKA RADIO TELEVIZIJA 123456 789 22 05 2009 gt Announced Pending transactions Completed gt Non completed Canceled Pending requests gt Rejected requests Opened e bills gt Paid e bills Automated payments Standing orders gt Direct debit Figure 46 Overview of contracted direct debit orders On the screen of the detailed direct debit order overview user can change or close the order by choosing the option Change or Close At al
6. If the user chooses sign now option the code from the card or mToken has to be entered and signed in the way described in the Signing orders paragraph If the user chooses the sign later option the order will be stored in the unsigned orders in the Balance overview menu After button Confirm is chosen user can t change any of the entered information but still can choose option Cancel New order Transfer between accounts for private users in the Erste Bank gt Internal transfer for private ane user IME PREZIME O gt National payment Purchase and sale of foreign eee Payer gt International payment u a HR1224020063200000000 Teku i ra un 3200000000 HRK gt Rijeka Ciy Card Charge to account IME PREZIME Templates Exchange Currency 191 HRK Internal transfer for private rate 0 users gt National payment Recipient gt International payment gt Rijeka City Card IBAN IME PREZIME p Exchange gt Received e bills Currency 191 HRK gt rate 0 gt Open e bill Payment Automated a ae Standing orders gt Direct debit Purpose oftransaction GSM vouchers Date oftransaction 12092014 EH gt Purchase GSM voucher Send e mail confirmation of transaction Erste Chat mandatory fields Imate pitanje putem Erste Chata vise Figure 22 Check of the internal transfer order By clicking the button Confirm user is approving completion of the entered transacti
7. 4 digit password of your choice which you will enter into your Display card from now on NOVO Koristite Erste mToken za E new password Repeat the 4 digit password of your choice prijavu u Erste Repeat new password p git pass w y NetBanking ma Mandatory field vise Customer service 072 555 555 Figure 3 Password change Every further login with Display card Procedure at every further login is the same as first login except that the password which you created at your first login is entered to the card at every further login PIN and password for Maestro Display card You will use two secret numbers with your Maestro Display card PIN for using card at ATMs and points of sale epassword for login to the electronic banking services Those two numbers are different and are not related You can change your PIN on ATM machines and using electronic banking services you can change your password INSTRUCTIONS FOR LOGGING IN USING mToken Choose mToken at the NetBanking login screen Choose mToken in the mBanking application Enter mPIN and click Login Choose option One time password ee ee Erste NetBanking user manual for retail clients 5 Enter the serial number of mToken and one time password displayed on your mobile device in NetBanking and after that click Login Login to Erste NetBanking ES SECURITY Remember the Bank will never ask you for your login information via e mail I
8. Templates E Optima Telekom d d Telekomunikacijske usluge HR30235600001101848050 Bez naknade Internal transfer for private d A Cree at HR3123600001400480380 Bez naknade National payment International payment ViPnet d o o Telekomunikacijske usluge HR6523300031100205901 Bez naknade Rijeka City Card Tele d o o Telekomunikacijske usluge HR4523400091510186599 Bez naknade eiis ELEKTROMETAL placanje ra una HR7024020061100000787 Bez naknade e bills Hi telekom d d Telekom usluge HR3423300030150020261 Bez naknade Received e bills b Open e bill HEP d d Struja za kucanstvo HR5323400091100010024 Bez naknade Gradska plinara Zagreb d o o Plin za kucanstvo HROS2360000110 1273818 Bez naknade Automated payments E l HE HRVATSKE SUME testna usluga za testiranje testova HAR6424020061100072093 Bez naknade Standing orders Grad Rijeka Komunalna naknada HR3324020061837 300005 Bez naknade Direct debit Testni izdavatelj d o o testna mjese na usluga HR4012345679876543210 Bez naknade GSM vouchers Purchase GSM voucher Erste Chat Imate pitanje SAMIM Javite nam se a putem Erste Chata vise Customer service 072 555 555 Figure 35 Open e bill For e bill service contracting user needs to choose one of offered e bill issuers and after that new screen for entry of e bill information is opened 49 Erste NetBanking user manual for retail clients mm Hrvatski FJ Help EN Settings FQ Transaction statu
9. then select Set default filter settings By selecting the Show hidden transactions the display of hidden transactions is enabled The transaction can be hidden on the re categorize screen 11 5 TRANSACTION OVERVIEW Transactions can be displayed as 1 List Date H Partner name Category Action de EFT POS transakcija 47 17 09 2014 502011XXXXXX0289 MUELLER TRGOVINA ZAG 17 00HRK N x 100 00HRK HH x 47 05HRK ff a 16 09 2014 602011X44x4xXXK0269 ERSTE ATM 42101001 ZAGRE EFT POS transakcija 15 09 2014 011000000289 BIO amp BIO e Layout in a form of a list with columns i Date ii Name of the partner iii Amount iv Category v Share e The list can be sorted by the first three columns by selecting the coulmn name e Transactions can be hidden and categorized differently by clicking the category icon 86 Erste NetBanking user manual for retail clients e An individual transaction can be divided into several smaller transactions by clicking the scissors icon e Adrop down menu from which you can choose the number of rows to be shown is located on the bottom of the list 2 Calendar 2014 Travanj Ponedjeljak Utorak Srijeda etvrtak Petak Subota Medjelja 1 2 3 4 5 6 5 Transakcije 60201100000 eWallet IWONA 3 Transakcije 2 Transakcije RESTORAN USLUGE D O O 137 05 HRK 20 00 HRK 20 00 HRK 145 38 HRK 1 115 48 HRK 7 8 9 10 11 12 13 4 Transakcije 3 T
10. 85 114193 6353 22 24 Erste NetBanking user manual for retail clients By clicking the Received e bills 1 new screen is opened with overview of received e bills mm Hrvatski EJ Help EN settings Bg Transaction status EJ Cancellation E Calculators E Fees Select client Log off ERSTES Bank Balance Payments Overview of payments Savings Funds Services New order Received e bills Internal transfer for private cal user IME PREZIME H National payment Purchase and sale of foreign currency e bill Send Bill turity e bill description Amount in Display e bill Delete International payment date T For e bill payment click on the name of the e bill Issuer HRK e bill e bill Rijeka City Card IME PREZIME Templates 25 01 2013 29 01 2013 AR8523600001500074255 00 132300 651 26 969 60 Internal transfer for private e bill Testni racun Users Hrvatski Telekom d d National payment International payment 24 01 2013 24 01 2013 HR8523600001500074255 00 0 75 00 Rijeka City Card ebil Ra un za HALO usluge za 02 2024 dospijece pla anja 13 03 2024 Received e bills 17 01 2013 23 01 2013 HR5323400091100010024 00 592 690 813 300 22 Open e bill e bill Racun za 1 mjesec Bez racuna IME PREZIME Automated payments 17 01 2013 33 01 2013 HR5323400091100010024 00 592 690 813 200 22 H Standing orders Direct debit e bill Racun za 1 mjesec Los link2 Figure 20 Overview of received e bills
11. Canceled Tele2 d o o Telekomunikacijske usluge HR4523400091510186599 123456 65 9 15 2014 GRAWE Hrvatska d d Zivotno osiguranje HR9325000091301132621 1111111111111111 9 15 2014 International payments Unsigned gt Announced Pending transactions Completed gt Non completed Canceled e bills Pending requests gt Rejected requests gt Opened e bills Paid e bills Automated payments Standing orders Direct debit Figure 48 Rejected requests for e bill opening By clicking to the issuer s name rejected request is shown and at top of the screen reason for rejecting request is shown User is also notified by e mail about the reason for rejecting request which was stated by the e bill issuer 65 Erste NetBanking user manual for retail clients ms Hrvatski EJ Heip EN settings EY Transaction status EY Cancellation E Calculators mj Fees J Select client Bank Balance Payments Overview of payments Savings Funds Services Payment orders Open e bill ll Unsigned user IME PREZIME Announced Completed You request for the e bill Service was rejected by the Issuer Please contact the e bill Issuer with all further questions Non completed Reason provided by the e bill Issuer The request contains incorrect user data For more detailed information please send an inquiry gt Canceled to info sviracuni hr Hrvatski Telekom d d Ra un za usluge u fiksnoj HT Int
12. Cancellation 7 Calculators 5 Fees Bank Balance Payments Overviewofpayments Savings Funds Services gt Internal transfer for private user IME PREZIME a users gt National payment Purchase and sale of foreign currency Standing order International payment HR1224 63 00 Tekuci rad 0 Y Rijeka City Card IBAN or payer s account number 224020063200000000 Tekuci racun 3200000000 Currency 191HRK Templates Internal transfer for private Amount charged users National payment Priority in execution of orders 01 v International payment Rijeka City Card In benefit of own account Select account v CO Received e bills IBAN of the recipient HR IBAN calculator Open e bill Currency 191HRK Automated payments Reference number 01 v fill in rules Standing orders Direct debit Amount credited GSM vouchers Purpose Purchase GSM voucher Erste Plavi Form of transfer 1 amount v mirovinski fondovi 01 v Izaberite vrstu al portielja u koji Zelite ulagati interval between transfers 01 v months vise Valid from 15 09 2014 e recall Valid till 15 09 2014 compulsory fields compulsory entry of amount in benefit or amount at expense of The order is executed only if the account balance is adequate and there are no outstanding claims on other grounds in the bank Customer service 072 555 555 Figure 30 Standing order e Currency choose the currency of
13. If you notice any suspicious transaction report that to the Bank immediatelly It is highly recommended that during your login to the Erste NetBanking service you don t open other windows and do not start other programs In a case that during your Erste NetBanking service login or during the browsing through the Erste Bank website a query for personal information entry shows up or you receive e mail that requires you to send personal information to the sender under no circumstances do not reply to such request Information that are usually asked for in such cases are card number PIN username and password which are used for Internet banking login Bank will never ask you such information so in a case that you receive such e mail please notify the Bank immediatelly If you access the web site for which you think it might be false for example Erste Netbanking login page doesn t have certificate that confirms server authenticity please notify the Bank immediatelly If you think that Erste NetBanking homepage looks odd for example there are two fields in which you can enter the one time password please notify the Bank immediatelly If when applying to Erste NetBanking an additional authorization is requested by pressing the digit 9 on the card which is used explicitly when transactions are signed please notify the Bank immediatelly If you think that anauthorised person knows your password you can change it within the Erste Netbanking s
14. Unsignad user IME PREZIME gt Announced Completed gt Non completed Name of the issuer s account Issuers bill Subscriber code Date of contacting gt Canceled Hrvatski Telekom d d Ra un za usluge u mobilnoj HT iat HR6023600001500200999 822372667001 140101 7 1113 2014 International payments Unsigned Announced Pending transactions Completed gt Non completed Canceled e bills Pending requests gt Rejected requests gt Opened e bills Paid e bills Automated payments Standing orders Direct debit Purchased GSM vouchers Figure 52 Overview of opened e bills 7 5 3 1 Change of information for opened e bill If a user wants to change some information for his e bill this can be done by choosing that particular e bill with option e bills Opened e bills and then clicking the button Change 67 Erste NetBanking user manual for retail clients Open e bill user IME PREZIME A Hrvatski Telekom d d Ra un za usluge u mobilnoj HT Bill issuer mrezi HR6023600001500200999 Subscriber code 822372667001 140101 7 Enter registration number from the bill Fee No fee Date opened 1113 2014 I I _ all e bills and information related to them will E mail address ime prezime pu t com hr be received on this e mail address Mobile phone number 385 98 1234567 Y accept General terms and relevant e bill Issuer Terms All e bills and information
15. benefit account e Amount credited this amount is calculated in case of different currencies charged and credited Amount credited is calculated on standing order execution date according to the valid exchange rate 43 Erste NetBanking user manual for retail clients e Reference number enter reference number which must be entered in accordance with the rules for creating a reference number e Purpose order description e Form of transfer choose a way of a standing order execution 1 amount transfer of a set amount on a set day in a month Amount charged or Amount credited 2 allonthe selected day total account balance transfer on a selected day in a month by this way of transfer fields Amount charged and Amount credited are not filled in 3 over amount transfer of a current account balance which is over set amount on a selected day in a month user needs to fill in a field over amount e g if set amount is 500 kuna and balance is 600 kuna on account by standing order 100 kuna will be transferred so 500 kuna always remains on account 4 all every day total account balance transfer every day by this way of transfer fields Amount charged and Amount credited are not filled in 5 over amount every day transfer of a current account balance which is over set amount every day user needs to fill in a field over amount e g if set
16. chegues issued 5 Customer service 072 555 555 Figure 13 Account details Y STATEMENTS If a user wishes to order a statement of transactions per account this can be done by selecting the statement option Stat User can access the statements screen by clicking on the Stat icon The user can request a statement of transactions per an account for a certain period of time and in a certain format and send it to his e mail address or fax number 20 Erste NetBanking user manual for retail clients Order of statements user IME PREZIME H User notifications Charge to account HR1224020063200000000 Teku i ra un 3200000000 Messages E Currency 191 HRK H NetBanking News Received e bills fax e mail t Payment orders Format b FX orders Method of delivery Deposit orders HTML format Erste mToken E Electronic format NOVO Koristite i Erste mToken za O Excel csv format prijavu u Erste ae Select by date from 21 04 2014 Hl to p2 04 2014 EN vise compulsory fields Customer service 072 555 555 Figure 14 Overview of statements J TO BE CHARGED On the page Balance overview there is also a To be charged field Balance overview v mi user IME PREZIME Aa more User notifications Accounts Messages IBAN account number Type of account Stat Curr Overdraft Balance To be charged Available gt NetBanking News HR1224020063200000000 Tek
17. clients Finance management enables you categorization in 18 main categories and 63 subcategories The categories are OUTCOME Car and transport Fuel toll Maintenence and service Parking Public transportation Car repayment Car ensurance Monthly costs Utilities Water Gas Electricity Heating Mobile phone Telecommunications Television Loan repayment Credit cards Maestro Plus installment Other expenses Education Books and equipment Student loan Tuition fee Entertainment and free time Entertainment Gifts Hobby Newspaper Magazines Books Sports Toys Travel Movies Theater Concerts Food and Catering Bars Restaurants Fast Food Caffee bars Groceries Investment Investment transactions and fees Savings Buving shares in investment funds INCOME Salary Salary Savings and investment Savings and investment Extra income Extra income State payments Child benefits Social welfare Unemployment benefits Tax return Others Others Uncategorized transactions 95 Cleanino Furniture and maintenence House electronics Property insurance Real estate loan Erste NetBanking user manual for retail clients 96
18. information e IBAN to which funds are being paid e model and reference number which must be entered in accordance with the rules for creating a reference number O other information about payment purpose code By clicking the link fill in rules the Rulebook for filling in purpose code is opened where it is explained how to correctly fill in this field payment description date of transaction checkmark field for sending e mail confirmation after transaction completion 32 Erste NetBanking user manual for retail clients m a Hrvatski EJ Help EN settings Bg Transaction status EY Cancellation E Calculators mj Fees ERSTES Bank Balance Payments Overview of payments Savings Funds Services New order National Payment Order in Croatian kunas st 2 gt Internal transfer for private mp user IME PREZIME H gt National payment Purchase and sale of foreign ER Payer International payment IBAN or payers account number HR1224020063200000000 Teku i ra un 3200000000 Rijeka City Card Mode Charge reference no HR le Templates Internal transfer for private Currency 191 HRK users National payment Payer International payment Recipient gt Rijeka City Card ci gt Received e bilis Mode Reference No HR 99 w ga gt Open e bill Payment Automated payments Amount HRK Standing orders Purpose Code Direct debit ES GSM vouchers Description gt Purc
19. of execution order will attempt to get executed in next fifteen days If there aren t sufficient funds in the account even after that period the transaction will not be executed at all and will be saved in non completed orders If the user has selected the option to send an e mail receipt after execution of the transaction an e mail will be sent to the users e mail address after the payment has been executed 34 Erste NetBanking user manual for retail clients 6 4 Purchase and sale of foreign currency The Purchase and sale of foreign currency option allows the purchase sale and conversion of foreign currency for which is required to enter following information O information about the account to be charged account from which funds will be transferred is chosen from drop down menu where all user s accounts and accounts for which user has the power of attorney are listed account currency CI information about the benefit account account from which funds will be transferred is chosen from drop down menu where all user s accounts and accounts for which user has the power of attorney are listed account currency amount in Croatian kuna O other information about payment purpose of transaction description or reason for transaction date of transaction checkmark field for sending e mail confirmation after transaction completion aoe Hrvatski FA Help EN Settings PMA Transaction status Cancellation fF Calculator
20. or mToken has to be entered and signed in the way described in the Signing orders paragraph If the user chooses the sign later option the order will be stored in the unsigned orders in the Balance overview menu When all entered information are correct after choosing the option Check option Confirm will be shown in red color and on the order right side all information about this payment will be shown After button Confirm is chosen user can t change any of the entered information but still can choose option Cancel By clicking the button Confirm user is approving order execution and if the payment is set with the currect date it is completed right away If it is set in advance order will be visible in menu overview of payments as announced order and will be completed on a set date Order for purchase and sale of foreign currency can be set in advance and at execution the exchange rate will be applied at given date If there are insufficient funds in the account at the time of execution order will attempt to get executed in next fifteen days with the exchange rate valid on execution date 36 Erste NetBanking user manual for retail clients 6 4 1 International payment Funds from the Erste Bank account can be transferred to the favor of another Erste Bank account or to another bank in the country or abroad using the International payment order As with other orders it is necessary
21. partners amount and frequency monthly bimonthly quarterly sem annual and annual Confirming the transaction by clicking the Y option the transaction is added from Sketch prediction to upcoming anticipated transaction If you wish to additionally configure the transactions click on the parter name and edit the chosen fields To dismiss the transaction press the minus key O 11 12 Administration By removing the overview of key information widgets from the homepage and by choosing the account you wish to upload it is possible to adjust Finance management The key to open the administration is located on the left side of the screen at every moment 92 Erste NetBanking user manual for retail clients 93 Erste NetBanking user manual for retail clients ae Hrvatski EJ Help EN settings EJ Transaction status El Cancellation E Calculators E Fees ERSTES Bank Balance Payments Overview of payments Savings Funds Financial management Services Financial management st H Overview user IME PREZIME H Administration Erste Chat Imate pitanje show Finance Manager on the Internet Banking landing page Javite nam se es putem Erste Current account Chata Fx account vi e Giro account Accounts to be included in the Finance Manager Active savings in hrk Fx term dep Credit Cards Investment funds El El 94 11 13 Addition Categories Erste NetBanking user manual for retail
22. possible in certain currencies and the order must be submitted till a certain time on working days EUR 13 30 USD 12 30 GBP 9 30 CHF 9 30 CAD 9 30 PriEURO orders are executed within 4 hours of submitting a proper order meaning that within 4 hours of delivering orders funds will be paid to the recipient s account abroad The order is valid if cover for the PriEURO order and fees is provided and all required documentation delivered PriEURO orders can be implemented only with payments in EUR through the following banks Processing is begun at 8 am and orders must be submitted on weekdays no later than 12h Instrument of payment 10 Remittance v Basis of payment 4 other v Purpose Code Fill in rules Payment description Recipient person private entity gt legal entity Fee option gt 1 debit to payer OUR 2 debit to recipient BEN 3 shared costs SHA Date of execution 15 09 2014 Ei Valutation date D 2 v Date and time of COT Send e mail confirmation of A transaction mandatory fields Valutation date is the period during which the funds shall be payed to the recepients bank Figure 26 International payment order Customer service 072 555 555 38 Erste NetBanking user manual for retail clients After all information are entered user needs to click the Check button in order to check that all information are correct If there is an error warning will be displayed p
23. status announced pending transactions completed non completed and canceled By selecting certain type of order a list of the selected type of order will be displayed 7 2 1 Overview of announced international payment orders Announced international payment orders can be viewed by choosing the option International payment orders Announced in menu overview of payments Overview of announced payment orders shows a list of all orders which are not yet executed e g orders with date of execution later than the current date By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions By clicking the account number on the left side of each international order a detailed view of the selected order is displayed For a detailed listing of each announced payment order it is possible to e change it by clicking on the lt change gt link e cancel it by clicking on the lt cancel gt link e enter anew order based on the displayed order by clicking on the lt enter new gt link e create a template based on the displayed order by clicking on the lt template gt link 59 Erste NetBanking user manual for retail clients ma Hrvatski EJ Help EY settings EY Transaction
24. t write them down don t share them with others and don t store them on your computer Don t send confidential information by e mail or using social networks e g Facebook Twitter Linkedin Don t follow the links within the suspicious e mails only enter the wanted address directly to the address window of your Internet browser Ensure the appropriate protection on your computer installation for security patches firewalls and anti virus programs Close your Internet browser after you finish your work on Internet If you have finished with using your computer don t leave it in a stand by mode but shut it down 2 2 YI u u OOOO Q2 u u Erste NetBanking user manual for retail clients FRAUD PREVENTION Check the security of web site that you visit Sign of the padlock in the lower part of Internet browser proves that web site is protected If the web page that you visit is on secure server the address needs to start with https s as secure and not with usual http Don t open e mail attachments and links from unknown and suspicious senders When you define password make sure that combination of numbers is not simple and change it regularly Clean temporary Internet files cookies amp files regularly Check that you received e mail confirmation after every login to the Erste NetBanking service and make setup that sends e mail confirmation after every transaction Check the account balance regularly
25. the displayed order by clicking on the lt enter new gt link e create a template based on the displayed order by clicking on the lt template gt link 55 Erste NetBanking user manual for retail clients zla Hrvatski El Help EN Settings FQ Transaction status EN Cancellation FE Calculators i Fees ERSTES Bank Balance Payments Overview of payments Savings Funds Services New order National Payment Order in Croatian kunas Internal transfer for private user IME PREZIME H users National payment Purchase and sale of foreign currency Payer International payment Rijeka City Card HR1224020063200000000 Tekuci racun 3200000000 T b Reka Cay IBAN or payers account number IME PREZIME Templates Internal transfer for private Mode Charge reference no HR nemate prava users National payment Currency 191 HRK rv Exchange rate 0 Intemational ment Payer IME PREZIME HRK 100 00 Rijeka City Card j Reide hii HR 4624020061234567898 IBAN of the recipient Open e bill TELEKOMUNIKACIJE D 0 0 Automated payments Mode Reference No HR 00 v 12345 55 Standing orders Direct debit Payment Amount 100 00 HRK HRK GSM vouchers Purchase GSM voucher Purpose Code Erste Chat am Placanje ra una Imate pitanje Description ares Javite nam se es putem Erste Chata Date of execution 15 09 2014 EH Fee HRK 1 00 vise Send e mail confirmation of transaction mandatory fields
26. to fill in the fields marked with a red asterix when filling in an international payment order with the following reminders Order cover it is possible to choose up to 3 different sources of order cover Erste Bank kuna or foreign currency account Erste Bank loan claims or refund For every account user needs to enter amount to charge the account except for the last account where the amount is automatically calculated Fee cover user needs to enter account and currency for the fee coverage PriEURO If this option is chosen order will be completed 4 hours after correct order is submitted with processing beginning at 8 a m In that case order needs to be submitted latest until 12 p m Order is correct if all coverage is ensured and all required documentation submitted This order can be submitted only with payments in EUROs through the Erste Group banks and savings banks List of the banks is available on link following banks and with choosing bank name in that list all information about the receipient bank will be automatically filled in Urgent if this option is chosen funds will be transferred the same day and receiving bank will receive it the same day when order was submitted Such payment is possible only in certain currencies and order must be submitted at weakdays until certain time Country code it can be entered or chosen from the List of countries BIC or SWIFT address this is a mandatory field
27. to send confirmation e mail for every completed payment order to the user s e mail address 7 2 4 Overview of non completed international payment orders Non completed international payment orders can be viewed by choosing the option International payment orders Non completed in menu overview of payments Overview of non completed international payment orders includes international orders which for some reasons couldn t be executed e g not enough funds on account By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions By clicking the account number on the left side of each international order a detailed view of the selected order is displayed For a detailed listing of each announced payment order it is possible to e enter anew order by clicking on the lt enter new link e create a template by clicking on the lt template gt link All non completed international payment orders are automatically deleted after 180 days 7 2 5 Overview of canceled international payment orders Canceled international payment orders can be viewed by choosing the option International payment orders Canceled in menu overview of payments Overview of cancelled orders
28. which contains the same options as the login screen as well as J SETTINGS By selecting the Settings option from the menu at the top of the screen the user is able to change settings of the Erste NetBanking service At the Settings menu user can change e Password By selecting the Change password link a screen where user can change the current password is displayed User then needs to enter the current password into the Password field and arbitrary new password in the New Password and Repeat new password field and then click the Change button The password must consist of strictly 4 numeric characters e Contact information By selecting the Change contact information link users can change their contact information Erste NetBanking user manual for retail clients By changing the e mail address the e mail address will be changed for login receipt e mails receipt of transactions via NetBanking statements If the user wishes to change this information it is necessary to enter new information and click on Check to check the validity of entered data and then Confirm to save the data J CANCELLATION By selecting the Cancellation option you can send a request for transaction cancellation It is necessary to fill in the fields with information on the order you wish to cancel and click Send This is not an automatic cancellation of orders but only forwards the request for cancellation
29. 000 ERSTE PLAVI MIROVINSKI FOND 54 123456 7 993 56 Customer service 072 555 555 Figure 58 Balance overview of pension funds 9 2 2 Value of shares By choosing the option Value of shares overview of current values of accounting units of all Erste pension funds is displayed 80 Erste NetBanking user manual for retail clients 10 SERVICES Menu services enables activation of new electronic services and ordering and view of cheques it includes following options E TE U noe Hrvatski EJ Help EN settings Eg Transaction status Fl Cancellation E Calculators E Fees Select client Log off Bank NetBanking EBC Balance Payments Overviewofpayments Savings Funds Services Erste FonBanking Erste mBanking Erste SMS Services Services overview user IME PREZIME Erste Plavi Open services mirovinski fondovi Izaberite vrstu portfelja u koji Erste FonBanking elite ulagati Information about Erste FonBanking Service Detailed fees Erste FonBanking service deactivation vise rT F ERSTES Erste mBanking Ea a Information about Erste mBanking service Detailed fees 6 i kd b Erste mBanking service deactivation i gla Sop Erste SMS k Information about Erste SMS service Detailed fees k Erste SMS service change deactivation Customer service 072 555 555 Figure 59 Overview of activated services 10 1 ACTIVATION OF SERVICES 10 1 1 Erste
30. 1 2010 IME PREZIME KOPRIVNICA stanarina za 01 10 1 000 00 1 801 66 Figure 12 Transactions per account overview Y ACCOUNT DETAILS By clicking on the name of the account details of the selected account will be displayed with a description of the account by various parameters If the user wishes to they can change the name of the account by clicking on the underlined name of the account In the account name field they must enter the desired name of the account and then click change Henceforward the account will be displayed in Erste NetBanking by the chosen account name If the user wishes to restore the original name of the account after some time they may do so by selecting the Original name option User notifications Current account details user IME PREZIME Tekuci racun HR1224020063200000000 HRK Erste NetBanking user manual for retail clients Account Tekudi ra un Messages NetBanking News Account owner IME PREZIME H Received e bills HAR5324020063203129097 ES EZ send confirmation about IBAN Payment orders FX orders Date of opening account 15 02 2005 Deposit orders Expiration date of card holders s card 08 12 Erste Chat om Imate pitanje Currency 191 HRK Javite nam se e putem Erste Current balance of the account 4 112 08 Chata vi e amount 2 000 00 Ovwerdraft limit valid 09 09 2009 09 09 2010 Interest rate 6 00 Reserved for payment 0 00 Available amount 6 112 08 Number of
31. 2902185 HRK 0 00 36 87 H Received e bills 29 06 2014 13 56 30 60201 10000X97155 POS KN52801 HRK 0 00 45 00 Total 122 31 End of review Payment orders H FX orders Deposit orders Back Debit cards Card activation S ERSTES Erste mBanking Bankarite na svom TI ik be iPhonei Android redaju E OG ro Erste amp Steiermarkische Bank d d 12 09 2014 15 09 20 F F Customer service 072 555 555 Figure 16 Overview of items to be charged J MESSAGES To the left of the Balance overview menu is the Messages option The Messages option contains personalized messages about accounts and services sent to the user by Erste Bank ex messages regarding non completed transactions etc Messages can be viewed and deleted as follows e by clicking the title of the message opens the message e by clicking the checkbox next to the message and clicking delete deletes the individual message e by clicking select all selects all received messages e by clicking delete deletes all selected messages By opening an individual message user has the option to delete the message by clicking delete or close the message by clicking close after which the user returns to the initial Messages screen 22 Erste NetBanking user manual for retail clients Balance Payments Overview of payments Savings Funds Services Messages gt ma gt user IME PREZIME A more Date and time Message subject Pb Bal
32. 5 SWappine SMaleS IA investment UN ia 79 9 1 6 Non completed requests ao 79 9 2 PENSION FUNDS NTE 79 9 2 1 PAN HE 79 9 2 2 Vie OFS NaI e ta 80 10 SERVICES ss 81 OE ACUNATON OE SERVICES Hede 81 10 1 1 FETE 81 10 1 2 FEB PGS 81 10 1 3 ENES 82 Ti FINANGIALMANAGEMENTGessjassjessdk eee 83 MA Financial manag ement PP 83 11 2 Overview of key informations Widgets rrrnrrnnnnrrnnnnnnnrrnnnnnnnrrnnnnnnnrrnnnnnnnsrnnnnnnnsrnnnnnnnsrnnnnnnnsennnnnsssnnnnnsesennnn 83 TES AST 84 A EN SE E SR 85 IES TRANSACTION OVER IEW NE 86 TAG RENNENE 88 TL7 Pee 88 11 7 1 ENN 89 11 7 2 BIE EN Ol DUAE EE EE dia 89 IES Balance OVERVICW sara 90 IEO PENN NN 90 11 10 FURE OOS pe 92 11 11 Managine antieipatea anslo vea 92 11 12 O 92 11 13 Addition Categories su 95 Erste NetBanking user manual for retail clients 1 GENERAL The Erste NetBanking service allows users to view the balance and transactions per their accounts pay bills purchase shares of investment funds and conduct other financial transactions 24 hours a day every day of the week Access to the service is possible from anywhere in the world where Internet access is available including public places such as hotels Internet kiosks etc All that is needed is to access the Erste Bank site at http www erstebank hr On that web page you need to choose option NetBanking and new window for Erste NetBanking log in will open Sigurnost Press O nama Karijere Demo apli
33. AKLENDEDRSSLO Templates Internal transfer for private ADSL usluga TELEKOMUNIKACIJE D D 2390001 1600000000 Noka fma NEKA FIRMA D 0 0 2500009 1300000000 gt National payment S Kreditna pla anje ra una FINANCIJSKO POSREDOVANJE 2402006 1100400000 gt International payment Rijeka City Card ENC nadoplata CESTE D D 2340009 1502200000 XY group UGOSTITELJSKO PRIJEVOZNIGKI OBRT 2360000 1101700000 gt Received e bills Open e bill Automated payments Standing orders Direct debit GSM vouchers Purchase GSM voucher Erste Chat Imate pitanje OO Javite nam se lt putem Erste Chata vise Figure 28 Templates overview 6 5 2 Creating a template Savings Y W Hrvatski EI Help EN Settings FQ Transaction status El Cancellation E Calculators i Fees Funds Services st amp Create a new template X Y Z all edit transactions edit transactions edit transactions edit transactions edit transactions Customer service 072 555 555 A drop down menu with types of orders for which templates can be created is located at the top of the screen displaying a list of created templates After selecting the type of order for which you wish to create a template a screen which contains the same fields and is filled in the same way as all other orders will be displayed Templates only differ from other orders by one additional field Template Name The process of
34. ERSTES Bank Erste NetBanking user manual for retail clients September 2014 Erste NetBanking user manual for retail clients GENERAL saks 4 ERSTE NETBANKING SECURITAS ENE 5 2 1 Rules forsecure Internet USAR C vvs 5 2 2 FRAUD PREVENTION SNP 6 2 3 HOW TO RECOGNZE FAN Var 7 A siosana a aa E a A a 8 INSTRUCTIONS FOR LOGGING IN USING DISPLAY CARD cursi ade 8 MENUS oir E OE E E NR 13 BALANCE OVERVIEW Ne 16 PAYMENTS ab 26 6 1 PAYMENTS ar 26 6 1 1 SIGNING ORDERS ar ici 26 6 2 internal transfer for private USER idad dd 29 6 3 National PNAN dede b 32 6 4 Purchase and Sale OF Ore NNN ada iaa 35 6 4 1 ferde Pl 37 6 5 MBE VIPAT BS 2 A A A AS A A A AS 40 6 5 1 Templates prevle ae 40 6 5 2 rense rv 41 6 6 STANDING ORDERS AP 42 6 6 1 Se e E gu E E E O E E AA TAE 42 6 6 2 ENN 44 6 7 GSM VOUCHERS vr 47 6 8 FP NE 49 6 8 1 PENT 49 6 8 2 o Io dape y E o A 52 OVERVIEW OFPAYMVIEN Sra ia IN aa 54 7 1 PAYMENTORDERS sa 54 7 1 1 Overview of announced payment order avse 54 7 1 2 OVERVIEW or COMDIETER p ment Odesa iia 56 7 1 3 Overview of non completed payment Orders ccccccssssscccccessecceceeseccccauenecesseeeeeceesaeeeeessauaeeeesseaaseeeees 58 7 1 4 Overview Of canceled payment od av eee 59 7 2 ne NNN 59 7 2 1 Overview of announced international payment Orders cccccccoccnnnccnonnnnnnnnnncnnnnonanonnnnnnanonnnnonanennnnnanenoss 59 7 2 2 Overview of international pending traNSACtiONS ccccccccsssseccccseseeccccaeee
35. FonBanking Erste FonBanking service can be activated by choosing the menu services option Activation of services Erste FonBanking In order to activate service user needs to accept General terms of Erste FonBanking service and choose the option Open service By choosing the option Cancel user can cancel service activation 10 1 2 Erste mBanking Erste mBanking service can be activated by choosing the menu services option Activation of services Erste mBanking In order to activate service user needs to enter his mobile phone number choose operating system of his mobile phone Java iPhone or Android accept General terms of Erste mBanking service and choose the option Open service By choosing the option Cancel user can cancel service activation 81 Erste NetBanking user manual for retail clients 10 1 3 Erste SMS By choosing the menu services option Activation of services Erste SMS new screen is opened where user needs to fill in information needed for activation of receiving Erste SMS messages In order to activate service user needs to choose type of information which will be received enter his mobile phone number accept General terms of Erste SMS service and choose the option Open service By choosing the option Cancel user can cancel service activation 82 Erste NetBanking user manual for retail clients 11 FINANCIAL MANAGEMENT 11 1 Fin
36. HRK Receipt International payments Date of entry Date of execution Cur Amount Curr Amount Unsigned HR1224020063200000000 IME PREZIME PO 15 09 2014 15 09 2014 2402006 5103000000 45 1300 191 3 00 191 3 00 3 00 Pending transactions National ment Us po spec m Completed onal payme luge po sp Non completed HR1224020063200000000 IME PREZIME Canceled 15 09 2014 15 09 2014 2402006 5103000000 45 1300 191 3 00 191 3 00 3 00 n National payment Usluge po spec m TOTAL 6 t Pending requests Rejected requests Kraj prikaza podataka Opened e bills Paid e bills Automated payments Standing orders Direct debit GSM vouchers t Purchased GSM vouchers Figure 42 Overview of completed payment orders 4 For every completed order there are offered possibilities of displaying receipt on the screen and sending receipt to user s e mail address 57 Erste NetBanking user manual for retail clients sa Hrvatski El Help EN Settings FQ Transaction status El Cancellation 5 Calculators B Fees Log off ERSTES Bank Balance Payments Overview of payments Savings Funds Services Payment orders Overview of the payment order a A Unsigned user IME PREZIME u Announced t Completed N leted UNIVERZALNI NALOG ZA PLACANJE PANNE FLATITELA naziwime I adresa Canceled IME PREZIME Intemational payments t Unsigned IBAN ili broj ra una H Announced grinnatelia Pending transactions t Completed gt N
37. The minimum deposit period is 3 months and 1 day with the minimal initial deposit being 20 000 00 EUR or equivalent in relevant currency Type of deposit In HRK Amount HRK enter period of deposit 12 months 1 days Period of deposit or enter the end date of the 27 08 2015 ri deposit Upon expiration of the a funds back to the account from which they are deposed deposit A automatically extend the terms of the applicable deposit at the expiration of the contract Date of transaction 26 08 2014 EH Relevant documentation for the deposit is sent to your e mail Please keep these documents Guide to the deposit insurance can be downloaded here Cancel Customer service 072 555 555 Figure 58 Deposit order After choosing type of deposit and filling in other mandatory fields it is required to choose the option Check in order to check validity of information If everything is correct user needs to choose option Confirm in order to create deposit order After that new savings account will be opened and user will receive savings contract in e mail Currently valid Bank s interest rates are applied for deposit orders 73 Erste NetBanking user manual for retail clients Early deposit withdrawal can be done only personally by the client in Bank s branch with presence of the savings contract 8 2 DEPOSIT ORDER OVERVIEW Deposit order overview includes overview of all deposit orders conducted by
38. Token NOVO Koristite Erste mToken za prijavu u Erste NetBanking vise Figure 55 Overview of savings accounts By clicking the account number all transactions of chosen account will be shown Possibilities of account transactions overview are as follows e the last 50 transaction items are shown on the screen for showing the next 50 user needs to choose option next and for returning to previous 50 option previous e search transaction items by the currency date is possible e by clicking the transaction description for certain deposits detailed transaction overview is shown 72 Erste NetBanking user manual for retail clients By clicking the account type on a page Balance of deposits details related to the chosen account will be shown with possibility of changing the account name If you click on the account name new screen will be opened with a field for changing the account name If user clicks on the account name he needs to enter new name and choose the option Change New account name that user chose will be shown in the future on Erste NetBanking If after a while user wants to bring back previous account name they can do it by choosing the option Source name 8 1 2 Deposit order By choosing the option Deposit order user can deposit his funds by different terms that he can choose sies oa user IME PREZIME H Deposit order Deposit order overview gt Unsigned Charge to a
39. a 02 2024 dospijece placanja 13 03 2024 IME PREZIME HR5323400091100010024 00 592 690 813 Racun za 1 mjesec_Bez_racuna IME PREZIME HR5323400091100010024 00 592 690 813 Racun za 1 mjesec Los link IME PREZIME HR5323400091100010024 00 592 690 813 Racun za 1 mjesec IME PREZIME HR3023600001101848050 00 10626514 201209 2 Telekom racun za 12 2 mjesec IME PREZIME HR3023600001101848050 00 10626514 201209 2 Telekom racun za 12 8 mjesec Erste amp Steierm rkische Bank d d e Show e bill on the screen in pdf format option Display e bill Overview of payments Amount in HRK 969 80 75 00 300 22 200 22 100 11 1 000 65 177 10 Savings Display e bill Log off Funds Services ut ao Delete e bill e bill to e mail Customer service 072 555 555 If e bill issuer for some reason can t deliver e bill following message will be shown on the screen t is not possible to display your e bill Please contact e bill Issuer e Send e bill to e mail option Send e bill to e mail e bill is sent in pdf format to e mail address that was entered while requesting e bill opening e Delete option Delete e bill For payment of recieved e bill user needs to click the e bill Issuer name after which payment order is opened with filled in information for payment 52 Erste NetBanking user manual for retail clients Only the following information can be changed IBAN or Payer s account number Cur
40. account and there is no other unsettled claims by other basis in the bank 6 6 2 Direct debit With direct debit user can pay for their obligations e g utilities to different business subjects with whose Erste Bank has a signed contract By choosing the option Automated payments Direct debit in menu Payments new page is opened with a list of companies for which user can contract direct debit For direct debit opening user needs to choose a company to which they want to make payments 44 Erste NetBanking user manual for retail clients mim Hrvatski El Help EN settings Transaction status Cancellation 5 Calculators 5 Fees ERSTES Bank inking EBC Balance Payments Overviewofpayments Savings Funds Services Internal transfer for private user IME PREZIME A users National payment Purchase and sale of foreign currency Recipient IBAN of the recipient Date of maturity Fee International payment MERKUR OSIGURANJE D D 2330003 1700200000 19 in the month Ma charge Rijeka City Card VIPNET D 0 0 2330003 1100205000 5 in the month No charge Templates Internal transfer for private users National payment International payment Rijeka City Card e bills Received e bills Open e bill Automated payments Standing orders Direct debit GSM vouchers Purchase GSM voucher Erste Chat Imate pitanje OO Javite nam se eS putem Erste Chata vise Customer s
41. action screen within the View payments menu under the Payment orders Completed option By entering the transaction number and the recipient s account number and selecting Check the status of the selected transaction is displayed on screen To check the status of some other transaction you need to select the View new status option To use this option you do not need to be a user of the Erste NetBanking service or even be logged in to the service All that is required is to know the transaction number and account number of the recipient of funds Erste NetBanking user manual for retail clients O TOOLS By selecting the Tools option the following options are displayed e Exchange rates e Loan calculator e Savings calculator e Erste Invest calculator e Currency calculator e IBAN calculator J CUSTOMER SUPPORT On the login screen as well as any other screen within the Erste NetBanking application the customer support number 072 555 555 from abroad 385 51 365 591 is displayed Customer support where users can get all information related to Erste NetBanking is available every day from 0 to 12 a m except holidays 4 MENUS All options in NetBanking are divided into six main menus 1 BALANCE OVERVIEW Accounts Deposits and savings Loans Credit cards Investment funds Pension funds 2 PAYMENTS New order Internal transfer National payment Purchase and sale of foreign currency Internati
42. amount is 500 kuna and balance is 700 kuna on account by standing order amount will be transferred that sets account balance to pre defined 500 kuna in this case 200 kuna will be transferred e Day of transfer day in a month when standing order will be executed In a case that on a set date there is no enough funds on account for form of transfer 1 2 and 3 order will attempt to execute for 20 days and after that in the following period on a set date e Interval between transfers choose number of months in between standing orders execution e Date Valid from enter a date when standing order becomes valid e Date Valid to enter a date until when standing order is valid or choose the option recall After all information are entered user needs to click the Check button in order to check that all information are correct If there is an error warning will be displayed pointing to the incorrect field that needs correction When all entered information are correct after choosing the option Check option Confirm will be shown in red color and on the right side information about standing order will be displayed on the screen After button Confirm is chosen user can t change any of the entered information but still can choose option Cancel By choosing option Confirm standing order is contracted and will be executed in accordance with defined terms but only if there is available balance on
43. ance overview User notifications t Messages 1 NetBanking News Pb Received e bills Payment orders FX orders Deposit orders a ERSTES S Erste mBanking Bankarite na svom T iz b iPhoneiAndroid PAT Erste amp Steienmarkische Bank d d Customer service 072 555 555 Figure 17 Overview of messages J ERSTE NETBANKING NEWS With the NetBanking news option user can view all news related to the Erste NetBanking service and other Erste Bank services By clicking the title an individual notification is opened 23 Erste NetBanking news user IME PREZIME Balance overview COBOL H Balance overview End User notifications I Messages H NetBanking News H Received e bills Unsigned Payment orders b FX orders Deposit orders Debit cards H Card activation o ERSTES Erste mBanking fates Bankarite na svom T bv iPhonei Android redaju O PT Figure 18 Erste NetBanking news 1 E BILLS Date and time 07 10 2013 12 22 58 07 10 2013 12 19 24 12 08 2013 09 18 40 13 02 2013 15 32 20 10 12 2012 14 40 58 16 09 2011 12 00 45 01 06 2011 15 52 06 01 06 2011 13 17 52 10 05 2011 08 03 49 01 04 2011 16 12 46 Erste NetBanking user manual for retail clients Balance Payments Overview of payments Savings Funds Services JR e ra un za HRT e ra un za HRT Obavijest o izmjeni naknada Konstrukcija ra amp una Accou
44. ancial management Managing finances is a functionality that enables advanced control and planning of your income and expenses in a simpler way Some of the possibilities are e Automatic categorization of transactions per transaction savings and credit accounts incurred by any channel e Interactive analysis by main categories and subcategories o Three kinds of graphs o Calendar display o Daily monetary flow o Advanced filters e Creating an overall budget main category and or subcategories e Detailed balance overview e Detailed historical overview of the balance balance overview on a specific date e Estimated costs o Card transactions and payments that are yet to be excetued o Estimated transactions based on previous consumption Access to personal accounts is enabled current giro and foreign currency and also acces to loans savings shares in investment funds and credit cards Access is not enabled for accounts for which the user has a power of attorney 11 2 Overview of key informations Widgets At Erste NetBanking homepage you will have access to a short overview of key informations from Financial management User can choose between two widgets of their own choice to edit press the Edit key then press the Edit symbol Where does my money go Edit view Expenses from 19 06 2014 to 17 09 2014 Budgets No data available please visit the Monthly Budget function Goto Monthly Budget 83 Available widge
45. anding order on this screen by clicking the option Open a new standing order Opening of a new standing order is described in chapter 6 6 1 In the overview of all opened standing orders by clicking to the account number overview of an individual order is opened On this screen it is possible to close chosen standing order by choosing the option Close Standing order which is closed by the user doesn t appear any more at the overview of contracted standing orders oe Hrvatski E Help EN settings Mg Transaction status E Cancellation E Calculators mj Fees J Select client ERSTES Bank Banking EBC Balance Payments Overview of payments Savings Funds Services Payment orders Overview of standing orders A D Unsigned user IME PREZIME H Announced Completed gt Non completed Open a new standing order Canceled Charge to In benefit of u Charge to Credit to Transfer international payments Curr Amount Curr Amount Unsigned HR1224020063200000000 PREMUA IZNOS Announced 23 08 2005 2 TELEKOMUNIKACIJE D O O 5 in the month 191 60 00 191 0 00 Pending transactions 10 05 2035 0 221616 1 month Completed gt Non completed gt Canceled Pending requests gt Rejected requests gt Opened e bills gt Paid e bills Automated payments gt Standing orders Direct debit Figure 45 Overview of contracted standing orders 7 3 2 Direct debit By choosing the option Automated payments
46. ansaction if the description of the transaction is underlined the details of the transaction can be displayed by clicking on the description name ATM address is displayed in account overview for every transaction done on the Erste Bank ATM the ATM address is shown to the client Transactions per account gt user IME PREZIME H more Tekuci ra un HR1224020063200000000 HRK User notifications ns from date ofexecution 01 01 2013 EH till date of execution 01 01 2014 EH Display Display all H Messages gt NetBanking News To be charged 0 00 Available 6 112 08 Received e bills Date of Date of mae entry execution Description Cutbound payments Inbound payments Balance Unsigned Other costs and fees gt Payment orders 18 01 2010 18 01 2010 Uplata 1 00 4 112 08 FX orders 18 01 2010 18 01 2010 Uplata 1 00 4 111 08 k Deponi onem 18 01 2010 18 01 2010 Uplata 1 00 4 110 08 Erste mToken 18 01 2010 18 01 2010 UPLATA NAKNADE 0 50 4 109 58 PE EE 18 01 2010 18 01 2010 IME PREZIME KOPRIVNICA Uplata 1 00 4 108 08 Erste mToken za prijavu u Erste 18 01 2010 18 01 2010 UPLATA NAKNADE 0 50 4 108 08 NetBanking 18 01 2010 18 01 2010 IME PREZIME KOPRIVNICA Uplata 1 00 4 106 58 E vise 13 01 2010 16 01 2010 ERSTE CARD CLUB D D zagreb Racun za 01 2010 3 002 66 4 106 08 15 01 2010 15 01 2010 ERSTE ATM 41248007 KOPRIVNICA 200 00 3 906 08 15 01 2010 15 01 2010 UPLATA NAKNADE 1 25 3 000 41 15 01 2010 15 0
47. ap of shares in investment funds it includes following options Fund overview Investment funds Pension funds HB Fund e Share balance e Balance e Balance e Sale of shares e General information e Value of shares e Purchase e Sale e Swap e Non completed requests 9 1 INVESTMENT FUNDS 9 1 1 Balances By choosing the option Investment funds Balance in the menu funds user can view shares in Erste investment funds By clicking on the fund name details about chosen fund are opened and by choosing the account number transaction items of the chosen fund are displayed The last 50 transaction items are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 items At investment funds account transactions by clicking the type of transaction purchase sale confirmation of the share ownership will be shown 76 Erste NetBanking user manual for retail clients Hrvatski EJ Help EN settings J Transaction status El Cancellation E Calculators i Fees Select client ERSTES Bank Balance Payments Overviewofpayments Savings Funds Services Investment funds Balance of shares gt Balance user IME PREZIME gt General information Purchase request Sale request Investment funds Swap request I a v Ja gt Non completed requests Humber Name of fund Date of at or Salema ng Al shares shares in HRK block currency sh
48. ares HB fund 5400029999 ERSTE ADRIATIC EQUITY 14 01 2010 96 42 0 0000 0 00 0 00 0 0000 Sale of shares 5600000000 ERSTE TOTAL EAST 14 01 2010 3494 0 0000 0 00 0 00 0 0000 Pension funds Balance gt Value of shares Erste Chat Imate pitanje P sa tenam se X putem Erste Chata vise Customer service 072 555 555 Figure 57 Shares balance of investment funds 9 1 2 General information about investment funds Option General information shows general information about each fund fund name fund type price date share price etc By clicking the fund name screen with detailed information about chosen fund is displayed including e Fund ID card e Quarterly information e Statute and prospectus e Short statute and prospectus 9 1 3 Purchase of shares in investment funds By choosing the option Purchase within the menu fund it is possible to make a request for investment funds shares purchase For investment funds share purchase the following is required e fa user instead of stated address want to enter another address he needs to click to alternative address and enter alternative address User will receive confirmation about shares ownership from Erste invest to that address e Choose a fund name to purchase a share e User needs to mark whether with purchase request he will pay the wanted amount and if he will choose the account and currency for payment only making a r
49. ating a template 6 6 STANDING ORDERS Option Standing orders within the payments menu offers a possibility of creation of two kinds of orders e Standing order e Direct debit 6 6 1 Standing order With standing order for funds transfer funds can be transferred from account in Erste Bank to any other account within and outside the Bank according to the set criteria New standing order for funds transfer can be opened in menu Payments with choosing option Automated payments Standing orders For opening a new standing order it is required to fill in following information e Standing order name enter arbitrary standing order name e Charge to account choose account to be charged for standing order 42 Erste NetBanking user manual for retail clients e Currency choose a currency of a charged account e Amount charged enter amount to charge the account If a field Amount credited is filled in then field Amount charged needs to stay empty and vice versa e Priority in execution of orders in a case that user has many open standing orders and there is no enough funds to execute all orders the one with the highest priority will be executed e In benefit of own other account enter account in benefit of which standing order will be executed user s account in Erste Bank account of any other user in Erste or other banks mim Hrvatski Help EN Settings FQ Transaction status
50. ation International payments Date of entry Date of execution Curr Amount Curr Amount NG b Unsigned HR1224020063200000000 IME PREZIME AA 15 09 2014 15 09 2014 2402006 5103000000 45 1300 191 3 00 191 3 00 3 00 Pending transactions National payment Us po spec m Completed id EE b Non completed HR1224020063200000000 IME PREZIME Canceled 15 09 2014 15 09 2014 2402006 5103000000 45 1300 191 3 00 191 3 00 3 00 National payment Usluge po spec m TOTAL E Pending requests Kraj prikaza podataka t Rejected requests Opened e bills ifthe order is already pending or has been executed you will not be able to cancel it Paid e bills Automated payments Standing orders Direct debit GSM vouchers Purchased GSM vouchers Erste Chat Imate pitanje GE savite nam se putem Erste Chatal vise Customer service 072 555 555 Figure 40 Overview of announced payment orders 1 By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment 2 The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions 3 By clicking the account number on the left side of each order a detailed view of the selected order is displayed For a detailed listing of each non completed payment order it is possible to e enter anew order based on
51. by which you can filter the results by accounts name of recipient and date of payment By clicking the account number on the left side of each international order a detailed view of the selected order is displayed For a detailed listing of each announced payment order it is possible to e cancel it by clicking on the lt cancel gt link e enter a new order based on the displayed order by clicking on the lt enter new link e create a template based on the displayed order by clicking on the lt template gt link 60 Erste NetBanking user manual for retail clients 7 2 3 Overview of completed international payment orders Completed international payment orders can be viewed by choosing the option International payment orders Completed in menu overview of payments By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions By clicking the account number on the left side of each international order a detailed view of the selected order is displayed For a detailed listing of each announced payment order it is possible to e enter a new order based by clicking on the lt enter new link e create a template based by clicking on the lt template gt link It is possible
52. ccount HR1224020063200000000 Teku i ra un 3200000000 x H Announced Currency 191 HRK t Completed Non completed Term deposits with a one time payment Upon expiration of the deposi the A Standard savina invested funds and associated interest are payed out Canceled asa gs The minimal period of deposit is 1 month and 1 day with the minimal initial deposit being 100 EUR or equivalent in relevant currency Erste Chat Term deposits with the possibilty of subsequent payments Upon expiration of the Imate pitanje deposit the invested funds and the relevant interest and premium on interest will be Javite nam se Active savings with premium Payedout i POPE putem Erste on interest The minimal period of deposit is 6 months and 1 day with the minimum initial deposit Chata being 400 EUR or equivalent in relevant currency vi e Type of deposit Term deposits with a fixed interest rate and the of subsequent Me payments Upon expiration of the deposit the invested funds and associated Active savings 5 with a fixed interest rate SS wke payed out The maximum deposit limit is 36 months with a minimal initial deposit being 700 EUR for equivalent in EUR Term deposits with periodic payment of interest Annuity savings are form of time deposits in which the interest is paid periodically during the deposit ex monthly or O Annuity savings quarterly The invested funds will be payed out upon expiration of the deposit
53. cecseeseceesueueeceessuaeeceseuaeeeeees 60 7 2 3 Overview of completed international payment OLCePs ccccccccssssecceccesseccecceeseccceeaaseceeseuaeeeeeeeeeeeees 61 7 2 4 Overview of non completed international payment Orders occccccccnoccnnnnonnncnnnnnnanonnnnnnanonnnnonanonnnnonaninos 61 22 5 Overview of canceled international payment Orders r rrrrrnrnnnnrrrrrnnnnnrrnrnnnnnrrnrnnnnnrrnrnnnneernnnnnevensnnnsssee 61 7 3 AUTOMATED PA MEN Tee 62 7 3 1 Sanane Order S PE ENE EEE EEA RE EE 62 7 3 2 Directa 62 7 4 GSM VOUCHERS dt 63 7 4 1 P rchased GSM VUNNET HP 63 7 5 FEN 64 7 5 1 PENA RUE Java 64 Erste NetBanking user manual for retail clients 7 5 2 Rejected requests dada 65 7 5 3 Opened llas re cocacola 66 7 5 4 A AGAN Ep PE case carta su ganar Za G 70 Be SAVINGS ss 72 8 1 EPO 72 8 1 1 Balance Te 72 8 1 2 Det 73 8 2 DEPOSIT ORDER OVERVIEW a 74 8 2 1 OVERVIEW OF announced deposito der Sure o 74 8 2 2 Overview of completed deposit OFS ccccccssssececcsessecceceeseececcaeeseccesauaseceeseueeceesseaecesssuaeceesaaaeeeess 74 8 2 3 Overview of non completed deposit Orders cccccccssssccccceseccecaeeseccccseeeecceseuuseceesueaseceessaaeecessuaaeeeeees 74 8 2 4 Overview OF canceled deposit des 74 Dix FUND Sion Unidos 76 9 1 INVESTMENTFONDS NPS 76 9 1 1 PSN 76 9 1 2 General information about INVESTMENT TUNA NNN 77 9 1 3 PURCHASE of shares In JINVESEINGNE Ndure e 77 9 1 4 SEIINS SHALES nn Shenae 78 9 1
54. choose particular e bill click the button Close and then confirm closing of e bill 69 Erste NetBanking user manual for retail clients ma Hrvatski EJ Help EN settings EY Transaction status EY Cancellation E Calculators ij Fees Select client Log off Balance Payments Overviewofpayments Savings Funds Services o ERSTES Bank lia Payment orders Open e bill 2 Unsigned user IME PREZIME n gt Announced Completed gt Non completed Canceled Hrvatski Telekom d d Ra un za usluge u mobilnoj HT i Bill issuer mre i nnana HR6023600001500200999 gt Unsigned 999372667001 140101 7 Subscriber code EEE ETEN gt Announced Enter registration number from the bill Pending transactions Fee No fee Completed Non completed Date opened 1 13 2014 Canceled all e bills and information related to them will E mail address ime prezime pu t com hr be received on this e mail address Mobile phone number 385 98 1234567 Pending requests gt Rejected requests Y accept General terms and relevant e bill Issuer Terms gt Opened e bills All e bills and information related to them can only be received on a single e mail address gt Paid e bills In case you use internet banking in more than one bank the e mail address that is used is the one you last specified Automated payments gt Standing orders Back gt Direct debit GSM vouchers Purchased GSM vouchers Figu
55. ck on the icon a screen on which you can order or view a monthly invoice of payments will appear H NetBanking News by clicking on the total amount to be charged a detailed insight into the items that have yet to be charged will be displayed Received e bills Close Payment orders P FX orders Accounts x Deposit orders IBAN account number Type of account Stat Curr Overdraft Balance Tobe charged Available HR1224020063200000000 Tekuci ra un Maestro Plus HRK 2 000 00 4 112 08 0 00 6 112 08 Erste Plavi mirovinski fondovi HR1224020063200000001 Teku i ra un OPUNOMOCENIK 5 HRK 7 000 00 5 545 11 0 00 15 545 11 g Izaberite vrstu portfelja u koji zelite ulagati Savings and term deposits ES vise Number Type of account Stat Curr Overdraft Balance Payout Available 7700000000 Aktivna tednja u kunama E HRK 0 00 45 00 0 00 45 00 7700000001 Aktivna tednja u kunama fry HRK 0 00 15 00 0 00 15 00 Figure 7 Brief description on the screen Each page can be printed by selecting the print option Erste NetBanking user manual for retail clients 5 BALANCE OVERVIEW The balance overview menu provides an insight into the current state of and transactions to the user s accounts current giro savings account Maestro Plus service term deposits credit cards loan accounts investment and pension funds The overview also includes a display of accounts for which the user has a power of attorney A short overview o
56. creating a template is almost identical to filling in orders with less mandatory fields and less checks of the entered data e g the validity of a reference number is not checked To finish creating a template user needs to click Check and then Confirm M Erste NetBanking user manual for retail clients mim Hrvatski El Help EN Settings Mg Transaction status E Cancellation E Calculators 5 Fees ERSTES Bank Balance Payments Overview of payments Savings Funds Services New order Template of national Payment Order in Croatian kunas Internal transfer for private user IME PREZIME H users National payment Purchase and sale of foreign currency Template name International payment Rijeka City Card Payer IBAN or payer s account number HR1224020063200000000 Tekuci ra un 3200000000 T Templates Internal transfer for private Mode Charge reference no HR Y users National payment Currency 191 HRK rv International payment gt Rijeka City Card tet Received e bills IBAN of the recipient HR IBAN calculator Open e bill Mode Reference No HR 99 v A Automated payments Standing orders irs htc Direct debit Amount HRK GSM vouchers Purpose Code H Purchase GSM voucher Description Erste mToken NOVO Koristite 7 Erste mToken za mm mandatory fields prijavu u Erste Mode and payer Reference number are mandatory in a case of salary payment NetBanking vise Back Figure 29 Cre
57. d sale of foreign Purchased GSM vouchers currency International payment ae a Payer s account number HR1224020063200000000 Tekuci ra un 3200000000 H Rijeka City Card Currency 191 HRK F Templates b Internal transfer for private Hrvatski Telekom Simpa users O bonbon National payment Select operator Vip International payment O Tomato Rijeka City Card O TELE Received e bills once purchased voucher can not be revoked Open e bill Automated payments Standing orders Direct debit GSM vouchers Purchase GSM voucher Erste Plavi mirovinski 1 fondovi Izaberite vrstu portfelja u koji elite ulagati vi e Customer service 072 555 555 Figure 33 Purchase of GSM vouchers Erste NetBanking service enables purchase of GSM vouchers By choosing the option Purchase of GSM vouchers within the payments menu new screen is opened for GSM vouchers purchase User needs to choose account to be charged for voucher purchase corresponding currency select GSM operator and value of GSM voucher After filling in all fields user needs to choose option Check which is checking if there is enough funds on selected account for voucher purchase and if chosen GSM voucher value is available in current supplies If there is no voucher with chosen value in available supplies a message will be shown on the screen Unfortunatelly there is no chosen GSM voucher value in current supp
58. e income or costs Access to specific subcategory transactions is enabled by clicking on a specific subcategory on the chart 11 4 Filter Hide Period last 3 months all Accounts All Auto and Transport Bills Education Expensepe Al gt Entertainment and Leisure Food and Dining Investment Transactions Income type All Housing Self care Withdrawal Partner All Taxes Other Uncategorized Amount All SavelLoad filters Show hidden transactions 85 Erste NetBanking user manual for retail clients Filter enables you advanced filtering on the following parameters e Time span choose the time span for which you wish to display the transactions e Accounts choose the accounts and credit cards for which you wish to display the transactions e Type of expense choose the categories of expense you wish to display e Type of income choose the category of income you wish to display e Partner search by key word of the partner name of the commerce name of the payee etc e Amount define a range of transaction value you wish to display Configuration of the filter can be saved and uploaded by choosing the option Save upload filters By entering the name of your own choice and selecting the Accept option you can save your own template To upload a filter choose the selected template from the drop down menu To restore the filter to its default settings select the Save upload filters option
59. e of additional security control With purpose of increased security within the NetBanking service there is a control of user activity If the user logs in to the application but doesn t use it for some time the application will automatically log out For further NetBanking service usage the user will need to login again The following options are available on the login screen O NETBANKING e Demo e Frequently asked questions e User manual e Extra information about the service Y HELP By selecting the Help option the Frequently asked questions screen is displayed You can find answers to some of the most common questions and ambiguities in the use of NetBanking services here In addition to the frequently asked questions instructions for use of Erste NetBanking are located within this option Prior to using Erste NetBanking for the first time every user should read the user manual O CONTACT By selecting the Contact option a form through which you can send a request to the Bank is displayed In order to send a query you must fill in the displayed fields and click Send O VIEW TRANSACTION STATUS You are able to view the status of individual transactions by selecting the View transaction status option and entering the transaction number and account number of the recipient of the funds The transaction number can be found in e the confirmation of transaction that is sent to the user by e mail e the receipt of trans
60. egories Partner Name Payment Reference Account Category Action equals erste i Al vrs ox 11 7 Budgets Set your own budget to help monitor the spending Finance management will categorize your expenses and update the percentage of the spent budget it will also calculate the remainig amount of funds You can set budgets for total consumption or for any main category and subcategory Prora un za Travanj 2014 Zadajte vlastite prora une kako bi lak e nadzirali potro nju Upravljanje financijama e za vas kategorizirati u injene tro kove I a urirati postotak potro enog prora una te izra unati preostali iznos lA Prora une mo ete zadati za glavne kategorije i za podkategorije O area P U injeni tro kovi Prora un Akclje UKUPNI TROSKOVI 2 599 41 HRK 400 59 HRK preostalo 3 000 00 HRK X EE 86 65 Automobil i prijevoz Gorivo cestarine 180 91 HRK 19 09 HRK preostalo 200 00 HRK X A 90 46 Hrana i ugostiteljstvo 341 13 HRK 1 658 87 HRK preostalo 2 000 00 HRK X m 17 06 88 Erste NetBanking user manual for retail clients 11 7 1 Creating a budget By clicking the Create new budget option a new screen for creating a new budget will appear At the begging of the month new budgets are created that are identical to those of previous month Add new budget Budget for Bills vw Water wr 360 00 HRK would like to setup a budget for Bills Water category to an amount
61. elect client Balance Services Payments Overview of payments Savings Funds Time of purchase Voucher serial number Voucher amount Activation code Valid till 12 40 09 001656937103 T MOBILE 25 00 HRK 12345678901234 30 06 2012 The last 50 purchased vouchers are shown on the screan For showing next 50 choose the option next and for returning to the previous 50 choose the option previous By clicking on the voucher value purchased voucher will be shown 7 5 E BILLS In the overview of payments user can view all e bills statuses e Pending requests e Rejected requests e Opened e bills e Paid e bills 7 5 1 Pending requests After user has requested e bill opening request has been sent to the e bill issuer and changes to the status Pending requests until it is approved or rejected 64 Erste NetBanking user manual for retail clients 7 5 2 Rejected requests In a case that e bill issuer rejected the request for e bill opening that request is changing it s status to Rejected requests Hrvatski EJ Help EN settings EY Transaction status El Cancellation E Calculators mj Fees Select client Log off Bank Balance Payments Overview of payments Savings Funds Services Payment orders Rejected requests s mu gt Unsigned user IME PREZIME CI gt Announced Completed Dat ae Name of the issuer s account Issuers bill Subscriber code adr nejecling gt Non completed reques gt
62. equest doesn t necessarily mean a payment those two steps are possible to make at once or separately 77 Erste NetBanking user manual for retail clients e Enter amount of shares to the field amount e Fill in the fields in Additional information section Personal status choose one of the options employee entrepreneur unemployed retired student Type of employer choose one of the options private sector civil service state local government bodies public enterprises none of the above Planned annual investment choose one of the options less than 200 000 00 HRK less than 500 000 00 HRK less than 1 000 000 00 HRK more than 1 000 000 00 HRK Realised funds for investment Are you a foreign politically exposed person choose yes or no Explanation of who is a foreign politically exposed person A every person with permanent or temporary residence in a foreign state which serves or has served in the past year in a prominent public position presidents heads of state ministers and their deputies and assistants members of legislative bodies judges of courts for which legal remedies cannot be used against verdicts except in exceptional cases judges of financial courts and members of the central bank council ambassadors consuls and high officers of the armed forces members of boards of directors and supervisory boards of companies owned wholly or predominantly by the state B close family members of persons d
63. er a new order by clicking on the lt enter new link e create a template by clicking on the lt template gt link All non completed payment orders are automatically deleted after 180 days 58 Erste NetBanking user manual for retail clients 7 1 4 Overview of canceled payment orders Canceled payment orders can be viewed by choosing the option Payment orders Canceled in menu overview of payments Overview of canceled payment orders shows all canceled transactions 1 Above the table with overview of canceled transactions there is an option Search By choosing it new screen is opened which contains fields for data entry in order to filter transactions which fulfil certain criteria 2 The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions 3 By clicking the account number on the left side of each order a detailed view of the selected order is displayed For a detailed listing of each non completed payment order it is possible to e enter anew order by clicking on the lt enter new link e create a template by clicking on the lt template gt link All canceled payment orders are automatically deleted after 180 days 7 2 International payments The overview of international payment orders includes a list of all such orders conducted by Erste NetBanking and Erste FonBanking services and classified according to
64. ernational payments Bill issuer mre i Date of rejection 7 16 2014 HR8523600001500074255 Unsigned kne Subscriber code 50055114598 017 9 Enter registration number from the bill Pending transactions gt Completed Fee No fee gt Non completed Date opened 7 16 2014 Canceled a all e bills and information related to them will OE E mail address ime prezime pu t com hr be received on this e mail address i 205 Qo 92 gt Pending requests Mobile phone number 385 98 1234567 Rejected requests Vi I accept General terms and relevant e bill Issuer Terms gt Opened e bills i i i I i All e bills and information related to them can only be received on a single e mail address gt Paid e bills In case you use internet banking in more than one bank the e mail address that is used is the one you last specified Automated payments gt Standing orders Back gt Direct debit Purchased GSM vouchers Figure 49 Overview of the rejected request reason for rejecting 7 5 3 Opened e bills E bill becomes opened after e bill issuer s approval and it is visible under menu overview of payments option E bills Opened e bills 66 Erste NetBanking user manual for retail clients ms Hrvatski EJ Help EN settings EY Transaction status E Cancellation E Calculators ij Fees Select client Bank Balance Payments Overview of payments Savings Funds Services Payment orders Open e bill ad gt
65. ervice 072 555 555 Figure 31 List of companies for which user can open direct debit After choosing a company user needs to fill in fields on the screen in the following way e Charge to account user needs to choose account from which direct debit will be executed and corresponding currency e Identification of purpose of suspension by this piece of information receiver of payment recognizes payer and it is mandatory to fill it in correctly It is stated on a user s paper bill in most cases this is whole reference number or part of it but also can be in the field Payment description or somewhere else In order for user to correctly fill in this field to the right of the field it is explained what to enter and example of how this information should look like e g Receiver number number from payment description example of filled in identification of purpose of suspension 1234567 0 After all information are entered user needs to click the Check button in order to check that all information are correct If there is an error warning will be displayed pointing to the incorrect field that needs correction When all entered information are correct after choosing the option Check option Confirm will be shown in red color and on the right side information about direct debit will be displayed on the screen After button Confirm is chosen user can t change any of the entered information but still can choose op
66. ervice more details in chapter 4 Menus Setup Password change or you can block the access to the system You can ask for service blockage in the Bank s branches or by calling the Contact Center on the phone 072 555 555 In case of any doubt or suspicion please contact our Contact Center on the phone 072 555 555 Erste NetBanking user manual for retail clients 2 3 HOW TO RECOGNIZE FRAUD 1 Suspicious windows in the Internet browser small windows or adds by which it is possible to get personal dana Suspicious windows can be hidden in free files such as screen savers or music programs Because of that avoid program download from unknown sources on Internet and update your anti virus programs on your computer regularly O Suspicious e mail messages with link for the false web sites which look like professional ones as if they were created by some bank card company financial agency or Internet provider company on which user is required to entry of personal information code password account information or card number with explanation that this is required because of alleged data loss or alleged transaction check Although some of those e mails web pages look profesional and seem to be identical to the original ones by detailed review it is possible to notice badly constructed sentences and non professional English langauge Bank will never ask you such information in e mail message Example of false e mail mesage Orig
67. escribed under A which include spouses or common law partners parents brothers and sisters as well as children and their soouses or common law partners C close associates of persons described under A which share a joint income from property or an established business relationship or which have close business contacts with persons described under A Current occupation Note if necessary write something in note Accept General terms After filling in all necesarry fields user first needs to choose option Check in order to check validity of entered information and if everything is correct choose the option Confirm By choosing the option Confirm Payment order will be created and conducted if user marked that he wants to immediately pay for purchased shares and if account has enough funds Purchase request will be sent to Erste Asset Management Erste Asset Management will process the request Value of purchased shares will be visible on Erste NetBanking in mostly two working days 9 1 4 Selling shares in investment funds By choosing the option Sale within the menu Funds it is possible to sell investment funds shares For selling investment funds shares it is necessary to Choose a fund name to sell a share Enter amount in kunas number of shares to be sold or choose sale of all shares Enter the account number for funds payment Accept General terms If a user instead of stated address wan
68. f key information from Finance managing is also shown As shown in Figure 11 each account except for pension and investment funds is displayed with it s account number description an icon for ordering statements currency of the account overdraft limit account balance amount pending to be charged and amount available on the account Balance overview CONCLUDE PRODUCTS user IME PREZIME more User notifications FB Accounts Fa Messages IBAN account number Type of account at Curr Overdraft Balance Tobe charged Available NetBanking News HR1224020063200000000 Teku i ra un b Maestro Plus HRK 2 000 00 4 112 08 0 00 6 112 08 Received e bills y i HR1224020063200000001 Tekuciracun OPUNOMOCENIK He HRK 7 000 00 5 545 11 0 00 15 545 11 H Savings and term deposits Ea t Payment orders Humber Type of account Stat Curr Overdraft Balance Payout Available FX orders ae gt Deposit orders 7700000000 Aktivna Stednja u kunama LE HRK 0 00 45 00 0 00 45 00 7700000001 Aktivna tednja u kunama ET HRK 0 00 15 00 0 00 15 00 Erste mToken NOVO Koristite Erste mToken za b Credit cards Ea prijavu u Erste NetBanking Number Type of account Stat Curr Overdraft Balance Tobecharged Available E vise 5100000000 MasterCard 2 HRK 15 000 00 490485 114193 895322 kr 5 5100000001 MasterCard 5 HRK 13 000 00 2 904 85 1 141 93 6 953 22 5 H Loans gt gt Figure 8 Balance overview By clicking the symbol Y you ca
69. f you receive an e mail in which you are requested to give your login information or install any applications report fraud or call 072 555 555 from foreign countries 385 51 365 591 Display card mToken t More about security H Whatto do ifthe access to the service is blocked You suspect that your account has been compromised lfso enter your username Y Block and press IE A e t Forgot your user data SECURED powered by Symantec Figure 4 Login to the Erste NetBanking service using mToken Client selection If the user is using the same username and one time password generated by Display card for service access of more different clients for himself as retail client and for other corporate clients a new screen for client selection will be shown after login If the user is using service only for himself as retail client new screen is opened with preview of clients personal accounts after login If the user has both Display card and mToken and uses mToken to login the only information shown will be from his personal accounts Erste NetBanking user manual for retail clients H Demo Pb FAG Erste NetBanking for citizens More info User manual 4 29 MB Erste NetBanking for legal entities E FIRMA D O O Corporate More info User manual 2 49 MEB Figure 5 Client selection After every successful login to NetBanking user receives e mail with login confirmation with a purpos
70. fthe access to the service is blocked You suspect that your account has been compromised lf so enter your user name and press Block IA e t Forgot your user data Norton SECURED powered by Symantec Figure 2 Login to the Erste NetBanking service using Display card 3 Turn the card on with pressing the key with symbol Softly press the digit 6 on the card 5 After displaying the text ZP enter the four digits password by easily pressing the digits In case of an incorrect entry new entry is enabled by pressing the C key Correct password is confirmed by pressing the OK key 6 Copy the number shown on the Display card to the screen field Password 7 Click the button Login Za Erste NetBanking user manual for retail clients Password change At first login new screen for password change will be shown Enter the password which you currently use for Display card to the field Current password Choose a new password and enter it twice and that will be the password you will use in every further login Change password for Display karticu s mm O Settings ae user IME PREZIME H t Change contact information General terms Password for your Display card must consist only of numbers and must contain 4 digits 5190 Application form y play y gits eg make ik ke Current password 4 digit password which you entered into your Display card EE New password
71. hase GSM voucher Date of execution 15 09 2014 ij Erste mToken NOVO Koristite Send e mail confirmation of Erste mToken za transaction dreng mandatory fields Mode and payer Reference number are mandatory in a case of salary payment O vise Customer service 072 555 555 Figure 25 National payment order After all information are entered user needs to click the Check button in order to check that all information are correct If there is an error warning will be displayed pointing to the incorrect field that needs correction If the order has to be signed a sign option will show There are two options to be chosen Sign now and Sign later If the user chooses sign now option the code from the card or mToken has to be entered and signed in the way described in the Signing orders paragraph If the user chooses the sign later option the order will be stored in the unsigned orders in the Balance overview menu When all entered information are correct after choosing the option Check option Confirm will be shown in red color and on the order right side all information about this payment will be shown After button Confirm is chosen user can t change any of the entered information but still can choose option Cancel By clicking the button Confirm user is approving order execution and if the payment is set with the currect date it is completed right away If it is set i
72. he card screen only shows 4 character spaces after entering the fifth key the screen will shift to the left and the input of all 6 characters will be enabled In case of an incorrect entry new entry is enabled by pressing the C key Correct password is confirmed by pressing the OK key Inquiry input After entering the inquiry the card shows the code used to signed the transaction That code has to be copied to the Reply field on the screen MC q 5 in de e mean B Sap errs G i 27 SIGNING ORDERS USING mToken At mBanking homepage choose mToken Enter mPin and confirm input Choose option input reply Erste NetBanking user manual for retail clients Le ER o o ERSTES eS T big mToken mToken Enter your mPIN 1 2 3 4 9 6 8 9 E o AA lt Back mToken Enter your mPIN 1 2 3 4 9 6 7 8 9 PORS TUV iim Erste NetBanking user manual for retail clients Copy the number shown on NetBanking to the field inquiry and generate lt Back Signing response Challenge 123456 Response Generate response NO O ABC DEF 4 9 6 GHI JKL MNO 7 8 9 PORS TUV WXYZ z 0 a lt Back Signing Number shown in the field Reply copy to NetBanking and sign the transactions Challenge 123456 Response Generate response ABC DEF 4 9 6 GHI JKL MNO F 8 9 PORS TUV WXYZ y E o 6 2 Internal transfer for pr
73. ice is based on usage of unique user name and one time password generated by Erste Maestro Display Erste Display card or with a serial number of mToken and a one time password generated by mToken Safety of the user identification depends on the user who is not supposed to reveal username serial number of mToken and one time password to the third party Automatic log out In a case that after the login to the Erste NetBanking you don t use the service more that 30 minutes if you have something else to do on a different place Erste NetBanking will log you out automatically In order to continue with Erste NetBanking service you will need to log in again That way you will prevent unwanted view of your accounts and transactions while you are not by your computer Erste amp Steiermarkische Bank recommends to it s clients users of Erste NetBanking service with the purpose of their computer protection mandatory installation of security patches for operation systems and applications anti virus program and firewall which need to be regularly updated Rules for secure Internet usage Use appropriate web browser Recommended web browsers for using Erste Netbanking service are Microsoft Internet Explorer version 9 0 and higher and Mozilla Firefox version 3 0 and higher Avoid Internet program downloads from the unknown sources Don t use your user ceredentials to access other online programs or web pages Remember your username and password Don
74. if the option PriEURO is chosen or payment is going through some of the Erste Group Banks If orders are executed in benefit of Erste Bank client account in EUR valid fee for FIT 2 0 payments is charged Instrument of payment user can choose from the offered drop down menu Basis of payment user can choose from the offered drop down menu Not mandatory if order has a specification Fee option user needs to choose one of the options OUR debit to payer or SHA shared costs Date of payment can be current date or can be set up to 30 days in advance In order to process the payment with the current date the correctly filled in order must be submitted on weekdays no later than 2 p m Orders set in advance will be executed on the selected date according to the exchange rate on the date of execution Valutation date user can choose from the offered drop down menu and it defines period in which funds will be deposited to the recipient s account 37 New order Es i Internal transfer for private users gt National payment Purchase and sale of foreign currency International payment gt Rijeka City Card Templates Internal transfer for private users gt National payment International payment Rijeka City Card Received e bills gt Open e bill Automated payments gt Standing orders Direct debit GSM vouchers gt Purchase GSM voucher Erste mToken NOVO Korist
75. inal Message From erstebank hr support mailto king erstebank hr Sent Monday April 26 2010 4 46 AM To king erstebank hr Subject erstebank hr account notification Dear Customer This e mail was send by erstebank hr to notify you that we have temporanly prevented access to your account We have reasons to beleive that your account may have been accessed by someone else Please run this file and Follow instructions http emailsupport zxq net settings zip C erstebank hr J Suspicious phone calls in most cases this might be automated voice systems which are presented to the clients as new services or information check up in the name of some financial institution which ask users their personal information Bank will never ask you such information over the telephone Erste NetBanking user manual for retail clients 3 LOGIN User can log in to the Erste NetBanking service using a Display card or mToken INSTRUCTIONS FOR LOGGING IN USING DISPLAY CARD 1 Click on Display card 2 Enter username to the field Username on the screen Login to Erste NetBanking es a SECURITY Remember the Bank will never ask you for your login information via e mail If you receive an e mail in which you are requested to give your login information or install any applications report fraud or call 072 555 555 from foreign countries 385 51 365 591 Display card mToken H More about security H Whatto do i
76. includes all canceled international orders By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions By clicking the account number on the left side of each international order a detailed view of the selected order is displayed For a detailed listing of each announced payment order it is possible to e enter a new order by clicking on the lt enter new link e create a template by clicking on the lt template gt link All canceled international payment orders are automatically deleted after 180 days 61 Erste NetBanking user manual for retail clients 7 3 AUTOMATED PAYMENTS Within the automated payments menu it is possible to view contracted standing orders and direct debits 7 3 1 Standing orders By choosing the option Automated payments Standing orders in menu overview of payments new page is opened with overview of all contracted standing orders for user s accounts and accounts for which a user has a power of attorney With standing order funds can be transferred from user s account in Erste Bank to any other account within and outside the Bank according to the set criteria Besides the overview of opened standing orders it is possible to open new st
77. individually or collectively If there is a sign now option present on the order the transaction can be signed individually when entering the code After chosing the Confirm option an additional part for signing the order which contains the quiry will be shown That quiry is entered in the card or mToken which then generate a response that has to be copied to the Reply field Orders are signed collectively when after entering the code sign later option is shown If you choose the Sign later option the transaction will be stored in unsigned orders in the Balance overview menu so that the user can sign them afterwards Balance overview Unsigned orders option will serve as a reminder by showing the number of the unsigned orders 26 Erste NetBanking user manual for retail clients SIGNING ORDERS USING DISPLAY CARD Creating a response using the card is described in details in the following instructions Card is turned on by applying stronger pressure to the key o Choose the digit 9 if an order has to be signed After displaying the text ZP_ _____ enter the four digits password In case of an incorrect entry new entry is enabled by pressing the C key Correct password is confirmed by pressing the OK key Password input After entering the password there is a 6 key Inquiry shown on the NetBanking sheet that is also to be entered in the card Even though t
78. ite Erste mToken za prijavu u Erste NetBanking Q vise SS Hrvatski FA Help EN Settings M Transaction status F Cancellation Calculators mre HET Erste NetBanking user manual for retail clients Balance Payments Overview of payments Savings Funds Services International Payment Order in Croatian kunas or in foreign currency user IME PREZIME Payer Recipient IME PREZIME Amount charged for Order cover Currency pe Status Select account v HRK Select account v HRK Payers s account number Select account v HRK Charge fee to account Currency Amount ma Status Select account v HRK Mode Charge reference no HR Recipient Name of recipient Address street and number City Country code List of countries IBAN of recipient or account number Mode Reference No HR vw Recipient bank or Erste group banks v BIC address SWIFT jf the FX orders are executed in benefit of the client accounts of the Erste group member bank FIT 2 0 payments in EUR valid fee for the 2 0 payments will be calculated Name of recipient s bank Address and city Payee bank code bank code BLZ ABICAB SCN ex BLZ 20 111 Country code List of countries Payment Payment amount Currency 978 EUR v Urgent payment means that the funds will be forwarded and that the recipient bank will generally receive URGENT O them the same day the order is entered This type of payment is only
79. ivate users With option Internal transfer for private users user can transfer funds between his accounts and to the other Erste Bank accounts private users accounts Erste NetBanking user manual for retail clients E E e m a Hrvatski EJ Help EN settings PY Transaction status El Cancellation E Calculators mj Fees Bank Balance Payments Overview of payments Savings Funds Services New order Transfer between accounts for private users in the Erste Bank gt gt Internal transfer for private users user IME PREZIME gt National payment Purchase and sale of foreign pin Payer gt International payment Charge to account HR4624020063203558351 Teku i 3203558351 e Rijeka City Card Currency 191 HRK Templates Internal transfer for private Recipient users gt National payment In benefit of own account or Selec account gt International payment in benefit of other account or IBAN account number or IBAN HR IBAN gt Rijeka City Card calculator Currency 191 HRK Received e bills Payment gt Open e bill r HRK Automated payments Purpose of transaction Standing orders ion 12 09 2014 FP Date of transaction za Send e mail confirmation of GSM vouchers transaction gt Purchase GSM voucher mandatory fields mirovinski fondovi Izaberite vrstu portfelja u koji elite ulagati vi e Figure 21 Internal transfer for private users For interna
80. kacije Va e mi ljenje Poslovna mre a Bankomati NetBanking Gradanstvo v Poslovni subjekti E bankarstvo v Financijska tr i ta gt Privatno bankarstvo 6 gt Kalkulatori Nova internetska stranica Otvorite racun brzo i bez Tecajna lista bankarenje hr devize kupovni srednji prodajni skrivenih troskova EUR 7 4550 7 5050 7 5550 5 USD 5 4809 56156 5 7503 OAM CHF 5 9543 6 1007 6 2471 Jer ste Vi na prvom mjestu N GBP 85045 87136 89227 gt Y o gt ak A 7 Beskontaktno placanje Erste i doma ste Maestro PayPass Display kartica Izvjesca ie Dnevno financijsko izvje e SN gt Erste Invest vrijednost udjela prisloni I plati zona brrog pla anja 147 70 Kn Erste Euro Money 1 Od sada placajte br e i nikad Prvi izbor za stan ku u i apartman Saznajte sve o Va oj novoj kartici jednostavnije ER teku eg ra una kako je koristiti i ce O ER koje su njene prednosti gt vi e gt vise Gotovinski krediti Putujete van Europe Slikaj i plati A Financijska tr i ta informacije na dohvat ruke Figure 1 Access to the Erste NetBanking service Erste NetBanking user manual for retail clients 2 ERSTE NETBANKING SECURITY Internet banking brings many conveniences with faster and simpler access to your accounts and financial funds Beside all conveneinces and easy use that Erste NetBanking service offers work on Internet needs to be
81. l transfer for private users it is reguired to fill in following information O information about the account to be charged account from which funds will be transferred is chosen from drop down menu where all user s accounts and accounts for which user has the power of attorney are listed account currency amount to be charged to the selected amount O information about the recipient account number of Erste Bank account to which funds will be transferred if it is some other client s account it needs to be entered to the entry field and for user s account it is chosen from drop down menu currency to be transferred O other information about payment purpose of transaction description or reason for transaction date of transaction checkmark field for sending e mail confirmation after transaction completion After all information are entered user needs to click the Check button in order to check that all information are correct If there is an error warning will be displayed pointing to the incorrect field that needs correction When all 30 Erste NetBanking user manual for retail clients entered information are correct after choosing the option Check option Confirm will be shown in red color and on the order right side all information about this payment will be shown If the order has to be signed a sign option will show There are two options to be chosen Sign now and Sign later
82. lies Please try some other voucher value If there is enough funds on a chosen account transaction amount will be shown on the screen and instead of option Check option Confirm will be shown If the order has to be signed a sign option will show There are two options to be chosen Sign now and Sign later If the user chooses sign now option the code from the card or mToken has to be entered and signed in the way described in the Signing orders paragraph If the user chooses the sign later option the order will be stored in the unsigned orders in the Balance overview menu 47 Erste NetBanking user manual for retail clients After option Confirm is shown it is no longer possible to change entered information If user still wants to cancel GSM voucher purchase they can choose option Cancel By choosing option Confirm GSM voucher is purchased and screen with purchased voucher is displayed mm Hrvatski E Help EN Settings Fa Transaction status E Cancellation Calculators E Fees Balance Payments Overviewofpayments Savings Funds Services Payment orders Purchased GSM vouchers Unsigned user IME PREZIME Lu Announced t Completed Non completed b Canceled Date of purchase Time of purchase Voucher serial number Voucher amount Activation code Valid till 21 01 2010 12 40 08 001656937103 T MOBILE 25 00 HRK 12345678901234 30 06 2012 Intemational paymen
83. ls Automated payments GSM vouchers e Announced e Announced e Pending requests e Standing orders e Purchased GSM e Completed e Pending transactions Rejected requests Direct debit vouchers e Non completed e Completed e Opened e bills e Canceled e Non completed e Paid e bills e Canceled 7 1 PAYMENT ORDERS The overview of payment orders includes a list of all orders excluding international payments conducted by Erste NetBanking Erste mBanking and Erste FonBanking services and classified according to status announced completed non completed and canceled By selecting certain type of order a list of the selected type of order will be displayed 7 1 1 Overview of announced payment orders Announced payment orders can be viewed by choosing the option Payment orders Announced in menu overview of payments Overview of announced payment orders shows a list of all orders which are not yet executed e g orders with date of execution later than current date 54 Erste NetBanking user manual for retail clients ma Hrvatski El Help EN settings Transaction status El Cancellation E Calculators 5 Fees Log off ERSTES Bank Balance Payments Overviewofpayments Savings Funds Services Payment orders Payment orders announced Unsigned user IME PREZIME A t Announced t Completed Search Non completed Canceled Payers account number Charge to In benefit of A ntan Description of transaction HRK Cancell
84. made available to Erste Bank a d Bovi Sad information about your registration number and other personal information and allowed their use to unmistakablely identify the account holder This includes the forwarding of personal data to third parties that are necessary for the implementation of commitments agreed between the account holder and the Bank Back Customer service 072 555 555 Figure 32 Direct debit for utilities bill payment By choosing option Confirm direct debit is contracted and will be executed in accordance with defined terms but only if there is available balance on account and there is no other unsettled claims by other basis in the bank After direct debit is contracted Erste Bank needs to send information about that order to the receiver of the payment It is possible that receiving company already created monthly bill for previous period so this monthly bill won t be payed by this newly opened direct debit In that case user needs to pay received bill by other means and direct debit will start to execute from the following month 46 Erste NetBanking user manual for retail clients 6 7 GSM VOUCHERS mim Hrvatski El Help EN Settings FQ Transaction status Fl Cancellation Calculators 5 Fees ERSTES Bank Balance Payments Overview of payments Savings Funds Services Purchase of GSM vouchers e a b Internal transfer for private user IME PREZIME users National payment A Purchase an
85. n HRK 1400000000 ERSTE PLAVI MIROVINSKI FOND 54 123456 7 993 56 Figure 9 Layout and account display change J MAESTRO PLUS For clients who are using or who were using Maestro Plus service within the Balance overview menu there is a detailed overview of that service made transactions charged and pending instalments as well as the information about approved and available limit For those clients a Maestro Plus link will be shown at the beginning page and with the display of the current account as it is shown on figure 8 By clicking the link details are opened which show information about approved instalment limit and available amount as well as concluded transactions POS and ATM instalments Erste NetBanking user manual for retail clients Maestro Plus transactions st 2 user IME PREZIME A more User notifications Maestro Plus installment limit 0 00 I Messages b NetBanking News Maestro Plus available amount 0 00 H Received e bills all cards Unsigned A Unsigned ATM y pe pa enter Number of pra Paid Outstanding Payment orders purchase HRK HRK installments orion HRK HRK ss 14 12 2013 ATM ERSTE ATM 700 00 55 33 12 31 466 64 233 36 Deposit orders 22 10 2013 ATM ERSTE ATM 2 500 00 208 33 12 31 2 063 30 416 70 Erste Plavi gt mirovinski fondovi Izaberite vrstu portfelja u koji elite ulagati vise Back Customer service 072 555 555 Figure 10 Maestro plus
86. n advance order will be visible in menu overview of payments as announced order and will be completed on a set date 33 Erste NetBanking user manual for retail clients National Payment Order in Croatian kunas user IME PREZIME H Payer HR1224020063200000000 Teku i ra un 3200000000 IBAN or payers account number IME PREZIME Mode Charge reference no HR nemate prava Currency 191 HRK Exchange rate 0 Payer IME PREZIME HRK 100 00 Recipient HR 30234000 123687 IBAN of the recipient TELEKOMUNIKACIJE D O O Mode Reference No HR 00 12345 55 Payment Amount 100 00 HRK HRK Purpose Code Placanje racuna Description Date ofexecution 15 09 2014 fa Fee HRK 1 00 Send e mail confirmation of transaction mandatory fields Mode and payer Reference number are mandatory in a case of salary payment Figure 24 Check of the national payment order Payments in benefit of Erste Bank accounts set for execution by 11 30pm on weekdays will be executed on the same day while transactions after that time will be set for execution on the following work day Payments in benefit of accounts outside Erste Bank set for execution by 3 30pm on weekdays will be processed and forwarded the same day while transactions after that time will be executed with the following date Payment orders can be set with the date in advance and will be executed on the given date If there are insufficient funds in the account at the time
87. n completed international payment orders 6 1 5 Rijeka City Card This order is for direct top up payment for Rijeka City Card User needs to choose e Payer s account number e Account currency e Enter Rijeka City Card number for top up payment SSS Hrvatski FA Help EN Settings PQ Transaction status EYCancellation Calculators E Fees ERSTES Bank Balance Payments Overviewofpayments Savings Funds Services New order Top up your Rijeka City Card s 2 gt Internal transfer for private user IME PREZIME mi users National payment Purchase and sale of foreign curren ai IBAN or payers Er HR1224020063200000000 Teku i ra un 3200000000 v International payment number Rijeka City Card Currency 191 HRK v Templates Amount HRK Internal transfer for private users Card number for payment gt National payment International payment Rijeka City Card b Received e bills b Open e bill Automated payments Standing orders Direct debit Figure 29 Rijeka City Card top up payment 39 Erste NetBanking user manual for retail clients 6 5 TEMPLATES Using templates makes payments that are often repeated simpler Template is order created in advance by which user can simply and quickly set new payment with possible change of some information It is possible to make templates for e internal transfer for private users e national payment e international payment e Rijeka City Ca
88. n hide the display of a certain group of accounts It is also possible to change the layout of the account display by dragging the name of the group For example you can place the Savings and depozits first and than Accounts Erste NetBanking user manual for retail clients Balance overview user IME PREZIME H more User notifications gt Accounts gt Messages IBAN account number Type of account Stat Curr Overdraft Balance Tobecharged Available gt NetBanking News HR1224020063200000000 Teku i ra un gt Maestro Plus HRK 2 000 00 4 112 08 0 00 6 112 08 Received e bills a HR1224020063200000001 Teku i ra un OPUNOMOCENIK HRK 7 000 00 5 545 11 0 00 15 545 11 Unsigned Savings and term deposits lt lt Payment orders FX orders gt Credit cards Y Deposit orders Loans Erste mToken NOVO Koristite Number Type of account Stat Curr Overdraft Outstanding principal Amount due Payment Available Erste mToken za prijavu u Erste 5300000000 Gotovinski kredit HRK 150 000 00 98 123 56 0 00 0 00 0 00 Eie 5300000001 Gotovinski kredit HRK 15 000 00 18 123 56 0 00 0 00 0 00 vise gt Investment funds a Number Name of fund Data of of of shares shares ar pe shares shares in HRK 5400029999 ERSTE ADRIATIC EQUITY 14 01 2010 96 42 0 0000 0 00 0 00 0 0000 5600000000 ERSTE TOTAL EAST 14 01 2010 34 94 0 0000 0 00 0 00 0 0000 Pension funds Number Name of fund Accounting units Amount i
89. nt structure Obavijest imateljima udjela Maestro plus Frodu etak akcije Erste BOND Aktualna prodaja ulaznica Erste NetPay Frodu etak akcije Erste BOND Frodu etak akcije Erste BOND Erste amp Steiermarkische Bank d d 12 09 2014 15 09 20 F F Customer service O72 555 555 For users who have opened e bill service number of received e bills is shown at the balance overview screen on figure 19 there are four e bills received for payment H Accounts Received e bills 1 Unsigned t Payment orders user IME PREZIME Balance overview IBAN account number Type of account E Stat Curr Overdraft Balance To be charged Available H FX orders Deposit orders Erste mToken NOVO Koristite Erste mToken za prijavu u Erste NetBanking vise Figure 19 Received e bills HR1224020063200000000 Tekuciracun Maestro Plus HRK 2 000 00 4 112 08 0 00 6 112 06 HR1224020063200000001 Teku i ra un OPUNOMOCENIK HRK 7 000 00 5 545 11 0 00 15 545 11 t Savings and term deposits ES Humber Type of account Stat Curr Overdraft Balance Payout Available 7700000000 Aktivna tednja u kunama HRK 0 00 45 00 0 00 45 00 7700000001 Aktivna tednja u kunama EJ HRK 0 00 15 00 0 00 15 00 Credit cards 2 Humber Type of account Stat Curr Overdraft Balance Tobecharged Available 5100000000 MasterCard 5100000001 MasterCard HRK 15 000 00 4 904 85 114193 895327 gt HRK 13 000 00 2 904
90. o a certain period in the past It allows you to easily analyze trends in your previous incomes and outcomes 90 Erste NetBanking user manual for retail clients Filter options Net Worth Overview 50 000 00 40 000 00 30 000 00 20 000 00 A 10 000 00 dd Week 34 2014 Week 35 2014 Week 36 2014 Week 37 2014 Week 30 2014 0 00 HRK 10 000 00 B Investmentfunds BM Current Account IE Current Account FX MN Savings I Giro Account Sum Balance You can turn the accounts on and off by clicking on their names By clicking the Filter options option you can set a time span for which you wish to see the balance overview 91 Erste NetBanking user manual for retail clients 11 10 Future costs Future costs enable you to predict the upcoming costs and incomes based on previous transactions and also upcoming card transactions and payment orders that are yet to be executed Total this period 1 472 18 HRK Remaining 1 472 18 HRK Completed manually added and Scheduled payments predicted payments 263 50 HRK 0 00 HRK Show more information 2 000 1 500 E 1 000 E Soo 0 604 34 HRK 0 00 HRK 867 84 HRK 0 00 HRK 3 transactions 0 transaction 4 transactions O transaction 11 11 Managing anticipated transactions Finance management automatically tracks all your transactions and finds patterns in your incomes and outcomes it then creats Sketch prediction Transaction are located based on key
91. of 360 00 HRK Cancel Save 11 7 2 Display of budget Created budgets are displayed in a table that is sorted by the amount of the set budget For every budget you can see e Set category e Incurred costs o Amount spent in a certain category by clicking on the amount Analysis with a prepared filter for transaction date and category is opened e Budget status o If less than 70 of the budget is spent the status bar is green o If 70 90 of the budget is spent the status bar is orange o If more than 90 of the budget is spent the status bar is red e Set budget amount e action delete p or edit F budget It is possible to view the budgets for previous months by using the keys above the budget table 2014 Travan 89 Erste NetBanking user manual for retail clients 11 8 Balance overview Balance overview enables you insight into the status of all your accounts O I have HRK O lowe 5 485 56 HRK Current Account FX HRK Current Account 5 435 56 HRK Giro Account HRK Savings HRK Investment funds HRK 2 29 0 99 0 04 a 12 35 9 76 _ 1281 27 05 A NSG 18 99 6 92 100 00 E Devizni HRK Teku i 5 485 56 HRK E Devizni HRK Total 5 485 56 HRK E Devizni HRK E Devizni HEK E Devizni HRK Miro ra un HRK E Oro ena tednja u devizi T HRK E tednja MLADI HRK E ERSTE ADRIATIC EQUITY HEK Total HRK 11 9 Balance history Balance history enables you insight int
92. ointing to the incorrect field that needs correction If the order has to be signed a sign option will show There are two options to be chosen Sign now and Sign later If the user chooses sign now option the code from the card or mToken has to be entered and signed in the way described in the Signing orders paragraph If the user chooses the sign later option the order will be stored in the unsigned orders in the Balance overview menu When all entered information are correct after choosing the option Check amounts for order cover and fees will be calculated according to current exchange rates and displayed on the screen By choosing the option Confirm order is entered Chosen cover accounts will be charged according to the valid exchange rates on selected payment date and order is executed After order execution user will receive e mail with all information about the order if he marked the checkbox to receive e mail confirmation It is possible to enter international payment order even in a case that on one of chosen accounts there is no enough funds to cover order or a fee In that case in a field Status lacking amount will be shown Order will attempt to get executed in next 15 days until there are no enough funds to cover the order according to the valid exchange rate on a date of payment If even after 15 days there is no enough funds on account transaction won t be completed and will be saved to no
93. on and if the payment is set with the currect date it is completed right away If it is set in advance order will be visible in menu overview of payments as announced order and will be completed on a set date If user checked the checkmark for e mail confirmation he will receive e mail with information about completed transaction after order is completed Internal transfer order for private users can be set with the date in advance and will be completed on that date If at the moment there is no enough funds on account order will attempt to get executed in next fifteen days If even after that period there is no enough funds on account transcation won t be completed and will be saved to non completed orders 31 Erste NetBanking user manual for retail clients 6 3 National payment National payment order in Croatian kuna enables payment of all utilities bills e g electricity bill phone or any other bill and generally transfer of funds to recipient accounts in other banks When placing a payment order it is necessary to fill in the following information O payer information account from which funds will be transferred is chosen from drop down menu where all user s accounts and accounts for which user has the power of attorney are listed account currency payment amount payer s first and last name if it is not entered this field is automatically filled with user s first and last name O recipient
94. on completed Canceled Ea BIC i ili naziv banke primatelja Primatelj Fizi ka Pravna P at korisnika PU Potpis korisnika PU osokat e bills Pending requests Rejected requests t Opened e bills Paid e bills a BEN SHA OUR SE Troskowna opcija Automated payments Ovjera banke W14091518064662 Standing orders You can give the recipient the transaction number stated above with which they can check the status of the Direct debit transaction at htips netbanking erstebank_hr provjera or by dialing 072 555 555 GSM vouchers Back Purchased GSM vouchers Figure 43 Overview of one completed payment order 7 1 3 Overview of non completed payment orders Non completed payment orders can be viewed by choosing the option Payment orders Non completed in menu overview of payments Overview includes orders which for some reasons couldn t be executed e g not enough funds on account 1 By clicking the Search option a possibility of setting conditions by which you can filter the results by accounts name of recipient and date of payment 2 The last 50 transactions are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 transactions 3 By clicking the account number on the left side of each order a detailed view of the selected order is displayed For a detailed listing of each non completed payment order it is possible to e ent
95. onal payment Rijeka City Card Templates Internal transfer National payment International payment Rijeka City Card Received e bills Open e bill Standing orders e Standing order e Direct Debit GSM vouchers e Purchase of GSM voucher 3 PAYMENTS OVERVIEW Payment orders Announced Unsigned Completed Non completed Canceled International payments Announced Pending transactions Completed Non completed Canceled Pending requests Rejected requests Opened e bills Paid e bills GSM vouchers Purchased GSM vouchers Standing orders e Standing order e Direct Debit 4 SAVINGS Deposits e Balance of deposits e Deposit order Deposit order overview Announced Completed Non completed Canceled Erste NetBanking user manual for retail clients 5 FUNDS Investment funds Balance General information Purchase Sale Swap Non completed requests HB fund e Sale of shares Pension funds e Balance e Value of shares 6 PERSONAL FINANCIAL MAMGEMENT PFM e Overview e Administration 7 SERVICES Activation of services e Erste Fon e Erste mBanking e Erste SMS Cheques e Order cheques e Issued cheques e Used cheques The active menu is marked with a light blue background and its options are listed at the left side column The content of each individual menu and every option within the menu is selected by clicking the menu name or the name of the individual option within the menu ERSTES New order
96. ransakcije A Transakcije 5 64 EUR 2 Transakcije 7 Transakcije HAJDINA OMV 81 98 HRK 122 97 HRK 360 79 HRK 43 32 HRK 73 65 HRK 378 37 HRK 14 15 16 17 18 19 20 9 Transakcije e Overview of transactions sorted by the dates of execution If multiple transactions were executed on a certain date the number of those transactions will be visible and by clicking on it a screen with the list of all the transactions will be visible e You can manually add a transaction on your virtual account by clicking the key 3 Daily monetary flow 0 00 HRK Or PO PO ON oa RASO A PU PO Sn PQ O O O i a gt cf Sl d E 1 000 00 HRK M a a 2 000 00 HRK A 3 000 00 HRK a 4 000 00 HRK 27 Sij 2014 24 Vel 2014 24 O u 2014 10 Vel 2014 10 O u 2014 7 Tra 2014 e Chronological diplay of transactions Add transaction option enables you to manually add a transaction on your virtaul account 87 Erste NetBanking user manual for retail clients At the bottom of the screen there isa ESY export option which enables the export of the current overview to a CSV file UTF 8 format 11 6 Rule management You can add your own rules during the re categorization in analysis by clicking the Use this category next time option or by clicking the Create new rule option Rules can be created by type income or outcome account partner reference number and amount to the definition of main categories and subcat
97. rd top up payment 6 5 1 Templates preview User can view created templates by choosing a template type in the payment menu New page will open with templates list which can be additionally searched by the capital letter In the templates overview it is possible to click on the e template name The order will be displayed with the fields filled in when creating the template If user wish to they can change certain the fields and execute the order in accordance with the rules mentioned in the previous chapters e change option The order will be displayed with the possibility of changing all fields By clicking on Check the entered data will be checked and by clicking on Confirm the template will be saved If the user wishes to delete a template from the list of templates they can do so by selecting the Delete template option e transactions option A list of last 50 transactions executed using a template is displayed In order to view the next 50 transactions choose next For a detailed overview of each payment it is necessary to click on the account number 40 Erste NetBanking user manual for retail clients Balance Payments Overview of payments New order National payment order templates sm m i Internal transfer for private user IME PREZIME users National payment Purchase and sale of foreign currency International payment Tee mi gt Rijeka City Card XHEGCEBRITEESOHATI
98. re 53 Closing of e bill After e bill is closed it disappears from the Opened e bills preview and user receives e mail notification about the e bill closing 7 5 4 Paid e bills After successful e bill payment it is shown under option e bills Paid e bills 70 Erste NetBanking user manual for retail clients ms Hrvatski EJ Heip EN settings EY Transaction status FYCancellation E Calculators mj Fees J Select client Log off Balance Payments Overview of payments Savings Funds Services sm m iN Payment orders Paid e bills gt lt S Unsigned user IME PREZIME gt Announced Completed gt Non completed om e bill e bill A Send Canceled date Boe ned me HRK e bill date date to e mail International payments IME PREZIME gt Unsigned 11 01 2013 23 01 2013 15 01 2013 HR3023600001100000000 00 10626514 201209 2 56 10 E Announced e bill Telekom racun za 12 6 mjesec Pending transactions Optima Telekom d d hist scm 10 12 2012 27 09 2012 11 12 2012 HR3024020061100000000 00 221 331 442 22 02 g Non completed e bill Test 2 gt Canceled Pending requests Rejected requests gt Opened e bills gt Paid e bills Automated payments Standing orders Direct debit Purchased GSM vouchers Figure 54 Overview of paid e bills All paid e bills can additionally be shown on the screen in pdf format and be sent to the user s e mail address 71 Er
99. ready opened direct debit it is possible to change the account for payment and the identification of purpose of suspension Only those direct debit orders can be changed for which information hasn t been sent to the receiver of the payment If user wants to change the order for which information have already been sent they need to close that order first and then open new one with new information It is possible to close shown direct debit order and after that order is not shown at the overview of contracted direct debit orders 7 4 GSM VOUCHERS 7 4 1 Purchased GSM vouchers If a user wants to view previously purchased GSM vouchers this can be done by choosing the option GSM vouchers Purchased GSM vouchers within the overview of payments menu 63 mm Hrvatski Bank Payment orders Unsigned gt Announced gt Completed gt Non completed Canceled 21 01 2010 International payments gt Unsigned gt Announced Pending transactions Completed Non completed Canceled e bills Pending requests Rejected requests Opened e bills Paid e bills Automated payments Standing orders Direct debit gt Purchased GSM vouchers Figure 49 Purchased GSM vouchers Purchased GSM vouchers user IME PREZIME Date of purchase Erste NetBanking user manual for retail clients EJ Help EN settings Transaction status EY Cancellation Calculators mj Fees S
100. related to them can only be received on a single e mail address In case you use internet banking in more than one bank the e mail address thatis used is the one you last specified Figure 51 Change of information for opened e bill It is possible to change an e mail address and or mobile phone number and it is mandatory to accept General terms IMPORTANT for sending e mail notifications about e bills it is possible to use only one a mail address Valid e mail address is the one which was last entered to the field e mail address 68 Erste NetBanking user manual for retail clients Open e bill st korisnik IME PREZIME H Hrvatski Telekom d d Ra un za usluge u fiksnoj HT Bill issuer mre i HR8523600001500074255 5017319198 171 9 Subscriber code al de a he Enter registration number from the bill Fee No fee Date opened 12 18 2013 ae I u all e bills and information related to them will SL SE ime prezime gmail com be received on this e mail address Mobile phone number 385 gg 1234567 accept General terms and relevant e bill lssuer Terms All e bills and information related to them can only be received on a single e mail address In case you use internet banking in more than one bank the e mail address that is used is the one you last specified Figure 52 Change of information for one opened e bill 7 5 3 2 Closing of e bill If for some reason user wants to close his e bill he needs to
101. rency Amount Description and Date of execution National Payment Order in Croatian kunas user IME PREZIME nm Payer IBAN or payer s account number HR1224020063200000000 Teku i ra un 3200000000 T Mode Charge reference no HR Currency 191 HRK Fayer Recipient IBAN of the recipient HR 8523600001500074255 Mode Reference No HR 00 132300 651 26 Payment Amount 96980 HRK Furpose Code Testni racun Description Date of execution 15 09 2014 a Send e mail confirmation of Fi transaction mandatory fields Mode and payer Reference number are mandatory in a case of salary payment Back Figure 39 E bill payment national payment order All other functionalities of payment order e g advance payment payment cancellation etc are enabled for e bill payment An option for order signing will appear if the order needs to be signed After successful e bill payment e bill dissappears from the Received e bills view and is shown under menu overview of payments option e bills Paid e bills 53 Erste NetBanking user manual for retail clients 7 OVERVIEW OF PAYMENTS The Payment overview menu provides an overview of payments entered and conducted by Erste NetBanking Erste mBanking and Erste FonBanking services overview of e bills statuses standing orders and purchased GSM vouchers and includes following options Payment orders International payments E bil
102. s Pending requests 91 6 8 2 E bill payment By clicking the option Received e bills all received but not yet paid e bills are shown ERSTES Bank New order Internal transfer for private Users National payment Purchase and sale of foreign currency f Bill International payment date Rijeka City Card Templates Internal transfer for private e bill users National payment International payment Rijeka City Card EEP e bills t Received e bills Open e bill e bill Automated payments Standing orders Direct debit e bill GSM vouchers Purchase GSM voucher e bill Erste mToken NOVO Koristite Erste mToken za prijavu u Erste NetBanking e bill vise 11 01 2013 e bill Figure 38 Received e bills overview For each e bill it is possible to e Hrvatski 25 01 2013 24 01 2013 17 01 2013 17 01 2013 17 01 2013 11 01 2013 Received e bills user IME PREZIME e bill 29 01 2013 24 01 2013 23 01 2013 23 01 2013 23 01 2013 23 01 2013 23 01 2013 Erste NetBanking user manual for retail clients El Help EN settings FQ Transaction status Fl Cancellation fi Calculators 5 Fees Balance Payments e bill description For e bill payment click on the name of the e bill Issuer IME FREZIME HR8523600001500074255 00 132300 651 26 Testni racun Hrvatski Telekom d d HR8523600001500074255 00 0 Ra un za HALO usluge z
103. s E Cancellation Calculators a Fees ERSTES Bank Balance Payments Overviewofpayments Savings Funds Services b Internal transfer for private user IME PREZIME a users National payment A and sae een Hrvatski Telekom d d Ra un za telekom usluge ma REN HR8523600001500074255 International payment Rijeka City Card Subscriber code Enter registration number from the bill Templates Fee Bez naknade Internal transfer for private users j Date opened 15 09 2014 National payment a o all e bills and information related to them will aia ad E mail address ime prezime miail hr be received on this e mail address Rijeka City Card Mobile phone number 385 91 1234567 e bills g accept General Terms Received e bills Open e bill compulsory fields Automated payments All e bills and information related to them can only be received on a single e mail address In case you Use internet banking in more than one bank the e mail address that is used is the one you last specified Standing orders Direct debit GSM vouchers Back Purchase GSM voucher Figure 36 Entry of information for opening e bill Mandatory information for e bill opening are e Subscriber code user needs to copy subscriber code correctly from the paper bill e E mail address e Acceptance of General terms Mobile phone number is not mandatory for entry After data confirmation request for e bill opening is sen
104. s f Fees Bank Balance Payments Overviewofpayments Savings Funds Services New order Purchase and sale of foreign currency st oO Internal transfer for private user IME PREZIME H users gt National payment Purchase and sale of foreign currency Payer International payment Rijeka City Card Charge to account Select account v Templates Currency 191HRK v Internal transfer for private Recipient users National payment In benefit of own account Select account r International payment Rijeka City Card Curency 191 HRK v Received e bills Amount HRK gt Open e bill Purpose of transaction Automated payments Date of transaction 15 09 2014 Standing orders b Direct debit Send e mail confirmation of y transaction GSM vouchers mandatory fields b Purchase GSM voucher Erste Chat Imate pitanje RA Javite nam se lt putem Erste Chata vise Customer service 072 555 555 Figure 25 Purchase and sale of foreign currency 35 Erste NetBanking user manual for retail clients After all information are entered user needs to click the Check button in order to check that all information are correct If there is an error warning will be displayed pointing to the incorrect field that needs correction If the order has to be signed a sign option will show There are two options to be chosen Sign now and Sign later If the user chooses sign now option the code from the card
105. secure With that purpose Erste amp Steiermarkische Bank takes multiple precaution measures O a OU 0 UU UOU u Server authenticity In order for you as the customer to be sure that you communicate with the Erste NetBanking server we provided certificate which proves our identity from the VeriSign company world known Internet authority You can see the certificate on the Erste NetBanking service home page if you click on VeriSign icon Server name shown in address line of your Internet browser must be in every moment identical to the one written in certificate netbanking erstebank hr 128 bit SSL encryption All information that you exchange with Erste NetBanking server are protected with 128 bit encryption the newest encryption technology Connection between your computer and Erste NetBanking server is established using the Secure Socket Layer Every single data during the communication with the Bank is encrypted coded or enciphered before it is transferred to the Erste NetBanking server where it is decoded again by the key known only by the Bank Data sent to you by the Bank is protected in a similar way User identification By identifying a user Bank is checking if the person who is logging on to the Erste NetBanking service is real authorized user and at the same time user can be sure that nobody else beside him has the access to his accounts and funds User identification during the log in to the Erste NetBanking serv
106. sing the non completed deposit order overview the overview of all set but non completed deposit orders is shown The last 50 orders are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 orders By clicking on the account number a detailed view of the selected order is displayed At the detailed overview of a particular non completed order it is possible to set new deposit order based on a shown one by clicking the option lt enter new gt All non completed deposit orders are automatically deleted after 180 days 8 2 4 Overview of canceled deposit orders By choosing the canceled deposit order overview the overview of all set and canceled deposit orders is shown The last 50 orders are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 orders 74 Erste NetBanking user manual for retail clients By clicking on the account number a detailed view of the selected order is displayed At the detailed overview of a particular canceled order it is possible to set new deposit order based on a shown one by clicking the option lt enter new gt All canceled deposit orders are automatically deleted after 180 days 19 Erste NetBanking user manual for retail clients 9 FUNDS Menu funds enables insight into share balance in investment and pension funds as well as buying sale and sw
107. status EY Cancellation Calculators Ej Fees J Select client Es x Balance Payments Overviewofpayments Savings Funds Services Payment orders International payment orders pending transactions user IME PREZIME A Announced Completed Non completed Search gt Canceled Date of t Order number Description Currency Amount Cancellation International payments 11 09 2014 140910 15033325 RAINER PRUHS gt Unsigned pending 978 50 00 transactions 3250017004 Announced End of review gt Pending transactions 1 a r Completed If the order is already pending or has been executed you will not be able to cancel it Non completed Canceled e bills Pending requests Rejected requests Opened e bills Paid e bills Automated payments Standing orders Direct debit Figure 44 Overview of announced international payment order 7 2 2 Overview of international pending transactions International pending transactions can be viewed by choosing the option International payment orders Pending transactions in menu overview of payments Overview of pending transactions shows a list of all international orders which are not yet executed at the moment of view It takes two days for international payment order execution so orders will stay in pending transactions status for two days from the set execution date By clicking the Search option a possibility of setting conditions
108. ste NetBanking user manual for retail clients 8 SAVINGS Menu Savings enables insight into user s savings accounts deposit orders and deposit order overview and it includes following options Deposits Deposit order overview e Balance of deposits e Announced e Deposit order e Completed e Non completed e Canceled 8 1 DEPOSITS By this menu user can view the balance of his saving deposits and make a deposit order from one of his accounts Funds are deposited based on terms determined by user and for deposited savings currently valid exchange rates are applied 8 1 1 Balance of deposits By choosing the option Deposits Balance of deposits in menu savings user can get balances for his savings accounts in the Erste Bank and accounts for which a user has a power of attorney mn Hrvatski GJ Help EN settings FQ Transaction status E Cancellation E Calculators E Fees BJ Select client ERSTES Bank NetBanking EBC Balance Payments Overview of payments Savings Funds Services Balance of deposits Balance of deposits 2 H user IME PREZIME Deposit order Deposit order overview H Savings and term deposits p Unsigned Humber Type of account Stat Curr Overdraft Balance Payout Available Announced gt Competed 7700000000 Aktivna tednja u kunama UE HRK 0 00 45 00 0 00 45 00 Non completed 7700000001 Aktivna tednja u kunama ET HRK 0 00 15 00 0 00 15 00 Canceled Erste m
109. t to e bill issuer for further processing and can be viewed under menu overview of payments option e bills Pending requests E bill issuer can approve or reject e bill opening request Approved e bills can be viewed within menu overview of payments option e bills Opened e bills and rejected e bills under option e bills Rejected e bills User receives e mail message with information that their request is approved or rejected to the e mail address that was entered while requesting e bill opening 50 Erste NetBanking user manual for retail clients me Hrvatski Help EN Settings E Transaction status FYCancellation Calculators a Fees Log off Es x Balance Payments Overview of payments Savings Funds Services Payment orders Pending requests JR 9 Unsigned Announced Completed gt Non completed Name of the issuer s account Issuers bill Subscriber code A request Canceled Tele2 d o o Telekomunikacijske usluge HR4523400091510186599 123456 65 9 15 2014 user IME PREZIME A international payments GRAWE Hrvatska d d ivotno osiguranje HR9325000091301132621 1111111111111111 9 15 2014 Unsigned Announced gt Pending transactions Completed Non completed Canceled gt Pending requests gt Rejected requests gt Opened e bills Paid e bills Automated payments gt Standing orders Direct debit Figure 37 E bill
110. tion Cancel 45 ERSTES Bank New order Internal transfer for private users National payment Purchase and sale of foreign currency International payment Rijeka City Card Templates Internal transfer for private users National payment International payment Rijeka City Card e bills t Received e bills Open e bill Automated payments Standing orders Direct debit GSM vouchers H Purchase GSM voucher Erste mToken NOVO Koristite Erste mToken prijavu u Erste NetBanking vise Erste NetBanking user manual for retail clients mim Hrvatski El Help EN settings Transaction status Cancellation 5 Calculators 5 Fees Log off Balance Payments Overview of payments Savings Funds Services Direct debit JE user IME PREZIME A IBAN or payer s account number HR1224020063200000000 Teku i ra un 3200000000 T Currency 191 HEK ae MERKUR OSIGURANJE D D Ea en 2330003 1100200000 Identification of purpose of suspension Cijeli poziv na broj primjer popunjene svrhe obustave 94 181818 221616 Fee No charge Maturity 10 in the month Date of contracting 15 09 2014 The account holder authorizes the bank to charge his account on the specified date for the specified amount by MERKUR OSIGURANJE D D and waives any objection to the Bank The order is executed untill recalled and only if there is sufficient account balance The owner of the account has voluntarily
111. to the Bank and the user will subsequently be notified of the result If the order has not yet been processed it will be cancelled If the order has already been completed it cannot be cancelled but the Bank can make a request for a refund in behalf of the recipient on his request Y CLIENT SELECTION If a user uses the same username and password generated by Display card to access services of several different clients for themselves as retail client and for other corporate clients they can log in as another user by selecting the Select client option without re entering login information In addition to the Help option at the top of the screen the instructions option which is located on every screen can assist the user with a brief description of how to use the selected option Balance overview st u CONCLUDE PRODUCTS user IME PREZIME a more This option lets you view the balance of your accounts in Erste Bank foreign currency and giro accounts deposits and term deposits business cards loans guarantees letters of credit bils of exchange shares in funds and view account balances in other banks if you have this option contracted In addition to this User notifications by clicking on the number of an account transactions for the selected account will be displayed b Messages by clicking on the type of account details of the selected account will be displayed by selecting invoices cli
112. ts Unsigned H Announced Pending transactions Completed Non completed Canceled e bills Pending requests Rejected requests Opened e bills Paid e bills Automated payments Standing orders Direct debit GSM vouchers Purchased GSM vouchers Figure 34 Purchased GSM voucher Once GSM voucher is bought it can t be revoked or canceled by storno Previously purchased GSM vouchers can be previewed within overview of payments menu by choosing the option Purchased GSM vouchers Purchased GSM vouchers y 48 Erste NetBanking user manual for retail clients 6 8 E BILLS 6 8 1 Open e bill E bill service can be contracted for those e bill issuers which offer that functionality Preview of all e bill issuers is visible within menu Payments option Open e bill E TE ma mm Hrvatski EJ Help EN Settings FA Transaction status E Cancellation FR Calculators E Fees Bank Balance Payments Overview of payments Savings Funds Services Internal transfer for private user IME PREZIME A users National payment Purchase and sale of foreign Name of recipient IBAN of the recipient E bill opening fee currency International payment Hrvatski Telekom d d Ra un za telekom usluge HR8523600001500074255 Bez naknade Rijeka City Card Iskon Internet d d Telekomunikacijske usluge HR4623600001101208338 Bez naknade i basler osiguranje Zagreb dd Plati ra un HR5724020063600176409 Bez naknade
113. ts e Pie Area i Column chart overview e Budget overview e Own and Owe overview e Balance history overview 11 3 Analysis Erste NetBanking user manual for retail clients Analysis shows transactions on your accounts and credit cards categorised in finance managing categories main categories and subcategories You can choose between three types of graphs charts e Pie is display of percentage of a certain category Transactions gt Expense e Area A display by time period and percentage pie A Area ale Bar Auto and Transport Bills Food and Dining Housing Self care Withdrawal Uncategorized Total 600 00 HRK 14 403 25 HRK 1 749 51 HRK 790 50 HRK 1 595 54 HRK 4 800 00 HRK 676 10 HRK 24 614 90 HRK 84 Erste NetBanking user manual for retail clients Transactions gt Expense Pic 4 Area ale Bar 15 000 00 HRK 10 000 00 HRK 5 000 00 HRK 0 00 HRK Jun 2014 Jul 2014 Aug 2014 Sep 2014 Auto and Transport EN Bills E Food and Dining BY Housing OG Self care OG Withdrawal Y Uncategorized al e Column display by time period and percentage Transactions Expense a Pie fd Area ol Bar 15 000 00 HRK 10 000 00 HRK 5 000 00 HRK H a 0 00 HRK Jun 2014 Jul 2014 Aug 2014 sep 2014 I Auto and Transport MN Bills I Food and Dining MY Housing NN Self care ES Withdrawal Uncategorized By clicking the Transaction option in the upper left corner you can choose to analyz
114. ts to enter another address he needs to click to alternative address and enter alternative address User will receive confirmation about share ownership from Erste Asset Management to that address After filling in all necesarry fields user first needs to choose option Check in order to check validity of entered information and if everything is correct choose the option Confirm 78 Erste NetBanking user manual for retail clients By choosing the option Confirm request for shares sale will be send to Erste invest and it will be visible on Erste Netbanking in mostly two working days 9 1 5 Swapping shares in investment funds By choosing the option Swap within the menu Funds it is possible to swap investment funds shares For swapping investment funds shares it is necessary to e Choose a fund name to swap a share from which fund to which e Enter amount in kunas or number of shares to be swapped e Accept General terms e lf a user instead of stated address want to enter another address he needs to click to alternative address and enter alternative address User will receive confirmation about shares ownership from Erste invest to that address After filling in all necesarry fields user first needs to choose option Check in order to check validity of entered information and if everything is correct choose the option Confirm By choosing the option Confirm request for shares swap
115. u i ra un Maestro Plus HRK 2 000 00 4 112 08 gt Received e bills E A HR1224020063200000001 Teku i ra un OPUNOMOCENIK HRK 7 000 00 5 545 11 Savings and term deposits Payment orders Number LI of account Stat Curr Overdraft Balance gt FX orders it 7700000001 Aktivna tednja u kunama HRK 0 00 15 00 0 00 15 00 Erste mToken NOVO Koristite Erste mToken za gt Credit cards EN prijavu u Erste NetBanking Number Type of account Stat Curr Overdraft Balance To be charged Available is ik vise 5100000000 MasterCard HRK 15 000 00 4 904 85 114193 8 953 22 Ne 5100000001 MasterCard 5 HRK 13 000 00 2 904 85 1 141 93 6 953 22 Figure 15 To be charged 21 Erste NetBanking user manual for retail clients By choosing to be charged field a detailed overview of items to be charged will be shown funds on the account not yet charged but the available amount is reduced Those could be card transactions different claims etc Balance Payments Overview of payments Savings Funds Services Overview of payments reserved by credit card transactions gt CONCLUDE PRODUCTS user IME PREZIME A more Balance overview COBOL Balance overview Transaction amount Date of Time of i u i ti i ti Card number Description of transaction Currency TEZ User notifications b Messages 29 06 2014 16 51 07 60 2011300009155 POS 12913866 HRK 0 00 40 44 NetBanking News 29 08 2014 14 34 45 602011000009155 POS 1
116. user using Erste NetBanking Erste mBanking and Erste FonBanking services sorted by status announced unsigned completed non completed and canceled 8 2 1 Overview of announced deposit orders By choosing the announced deposit order overview the overview of deposit orders which are set but not yet executed at the time of view is shown The last 50 orders are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 orders By clicking on the account number a detailed view of the selected order is displayed For a detailed listing of each announced order it is possible to e cancel it by clicking on the lt cancel gt link e change it by clicking on the lt change gt link e enter a new order based on the displayed order by clicking on the lt enter new link 8 2 2 Overview of completed deposit orders By choosing the completed deposit order overview the overview of successfully completed deposit orders is shown The last 50 orders are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 orders By clicking on the account number a detailed view of the selected order is displayed At the detailed overview of a particular completed order it is possible to set new deposit order based on a shown one by clicking the option lt enter new gt 8 2 3 Overview of non completed deposit orders By choo
117. will be send to Erste invest and it will be visible on Erste Netbanking in mostly two working days 9 1 6 Non completed requests Non completed requests in business with investment funds i e requests that were set but are not completed are visible under option Non completed requests under menu funds The last 50 requests are displayed on screen To view the next 50 it is necessary to choose next and previous to return to the previous 50 requests 9 2 PENSION FUNDS 9 2 1 Balances Overview of Erste Plavi pension funs enables the insight of pension funds balance Beside the account number and fund name accounting units and amount in HRK are displayed By clicking the account number transactions items for chosen account are displayed 79 Bank Investment funds Balance General information Purchase request Sale request Swap request Non completed requests HB fund Sale of shares Pension funds Balance gt Value of shares Erste mToken NOVO Koristite Erste mToken za prijavu u Erste NetBanking O vise Erste NetBanking user manual for retail clients Hrvatski E Help EN settings EY Transaction status El Cancellation E Calculators E Fees EJ Select client Balance Payments Overview of payments Savings Funds Services Balance of shares gt lt user IME PREZIME A Pension funds Number Name of fund Accounting units Amount in HRK 1400000

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