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Mobile Token (mToken)

Authentication with mToken


The mToken is a software-based and PIN-protected code generator application available via the [UniCredit Mobile application]. With mToken you can generate authorization codes for [UniCredit eBanking] transactions.

In order to use the mToken, Users will need to download the [UniCredit Mobile application] and activate the mToken function. The mToken function may be activated independently of the [UniCredit Mobile application].

You can find the detailed user guide of mToken here (Strong Customer Authentication) 

 

Mobile version:

  

Activation of service

The mToken is activated for the Internet Banking [UniCredit eBanking] User ID entered during the activation process, which you can simply do in the following ways:

Activation through the UniCredit branch or Telefonbank:

  1. Starting the activation process: If you do not have Internet Banking access with SMS authorization, please visit one of our branches or call the Telephone Banking service (+36 (1/20/30/70) 325 3200, any day from 8 a.m. - 6 p.m.), and after identification our advisor registers your personal data and request for activation.
  2. Receiving your user ID: in the branch or via [Telephone Banking] our advisor gives you your 9-digit user ID which is needed for the first access into the application.
  3. Receiving your activation code: we will send you your personal activation code in a text message (SMS) to your domestic mobile phone number.
  4. First access: to enter the application please insert your user ID and the activation code received in SMS.
  5. Setting the PIN code: in order to ensure the safety of your personal data please set a PIN code for later use. From now on you will have to enter this PIN code, or use fingerprint identification when accessing the mToken application.

Activation with Internet Banking credentials:

  1. Starting the activation process: download and start the application, and select the Activate app with Internet Banking [eBanking] username and password option. Enter your Internet Banking username and password. Then you have to accept the terms and conditions of the service to proceed.
  2. Receiving your activation code: if the data provided are valid and you use Internet Banking with SMS authorization, we will send you your personal activation code in a text message (SMS) to your domestic mobile phone number.
  3. First access: to enter the application please insert the activation code received in SMS.
  4. Setting the PIN code: in order to ensure the safety of your personal data please set a PIN code for later use. From now on you will have to enter this PIN code, or use fingerprint identification when accessing the mToken application.

The activation code sent in SMS is valid up to three days from sending. If the user fails to activate the service in the three days period, a new activation code will be required.

 

How to use mToken

Only one mToken may be activated per User ID at any one time, and thus activation of the mToken on a given User ID will result in the deactivation of the mToken that may have been formerly activated on it.

Once a mToken has been activated, the Bank will accept the 6-digit code generated by the mToken for the authentication of orders submitted via Internet Banking.
 

According to the Strong Customer Authentication requirements of the 2nd Payment Services Directive (PSD2) of the European Union (2015/2366/EU), in order to authenticate a payment transaction you need to choose the e-Sign menu in the new mToken (available from July 29, 2019). Then – following the instructions of the eBanking – you will need to enter the “Account ID” and the amount of the transaction in your mToken. The mToken will identify the transaction and generate a One Time Password.

 

After selecting the mToken function in the [UniCredit Mobile application], the User enters their mToken PIN code; then, after starting the code generation process, the mToken generates a 6-digit code, which is valid for at least 3 but no more than 3.5 minutes.

The code generator of mToken considers the PIN code you entered. If you have entered incorrect PIN code, the generated token code will be declined by [eBanking]. The PIN verification flag helps you to check if your PIN code was correct. In case of incorrect PIN another flag will be displayed as at your mToken activation. If the flag displayed is not your associated security flag, the PIN code that you used is not valid. Please check your PIN code and correct it in the previous screen if needed.

In case of fingerprint login please make sure, that your device stores only your fingerprint.

 

General information

Technical requirements for using the services:

  • internet accessibility
  • for smartphones:
    • Apple iOS 8.0 operating system or higher version, or
    • Google Android 4.4.1 operating system or higher version,
    • minimum 480x800 screen resolution with minimum 225ppi (pixel per inch).
  • for tablets:
    • minimum 7” screen,
    • Android 4.0 or newer OS, or
    • iOS 9.0 or newer OS, iPad 2 or newer device,
  • GPS ability.

The service may not run on unlocked devices. The service is not guaranteed where jailbreak (iOS) or rooting (Android) has been implemented.

 

Related documents:

 

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