mBanking

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User manual

 

First steps

The mobile application can be used if your phone has

  • Internet access
  • at least iOS 10.0 or Android 5.0 or EMUI/HarmonyOS 10.0 opertaion system
  • a display resolution of at least 480x800 pixels and an image density of 225 pixels / inch or more

 

 

1. Start activation: install and launch the application. Click the service you want to activate. On the first page, check that you want to activate with eBanking credentials. Press the START button. On the next page, enter your eBanking username and password, then press NEXT.

2. Receiving an activation code: if the entered data is valid and you use [UniCredit eBanking] with SMS or mToken authentication, your unique activation code will be sent via SMS to the mobile number you provided. Follow the instructions on your phone screen to enter the code. (Clicking on the code will automatically insert the code into the appropriate field.)

3. Contract Statement: read it, and if you agree, accept the document. You only need to accept the contract statement during the first activation.

4. Setting up a PIN code and Biometrical identifiers: For security reasons, you need to enter a PIN code of at least 6 digits, but you can also set a biometrical identifiers. From now on, you will only be able to log in to the service using one of these identifiers (fingerprint, face recognition or PIN) and verify your changes and transactions if you set it too.

5. Security flag to use mToken: When you activate mToken, after  you set the PIN code, a security flag will appear, which you have to memorize because this will appear every time when you want to login to mToken. If you’ll see the same flag as by the activation, you entered the good PIN code and you have to accept it. If you’ll see a different flag, your entered PIN code is wrong, so you have to go back and enter again.

6. Completing Activation: After completing the activation (pressing NEXT button), you can use the activated services.

1. Requesting a Digital user ID: visit one of our branches or call our telephone banking service [UniCredit Telephone Bank] (+36 (1/20/30/70) 325 3200, any day between 8:00 and 18:00), where our staff will record your data, activation request after identification and give you your 9-digit user ID (Digital userID), which is required to activate the services.

2. Start activation: install and launch the application. Click the service you want to activate. On the first page, select that you want to activate with a Digital userID. Press the START button. On the next page, enter your Digital userID, then press NEXT.

3. Receiving an activation code: during the first activation with a Digital userID, your unique activation code will be sent via SMS to the mobile number you provided. Follow the instructions on your phone screen to enter the code. (Clicking on the code will automatically insert the code into the appropriate field.) If you change devices and want to reactivate the application with a Digital userID, you will need to visit one of our branches or call the [UniCredit Telephone Bank].

4. Setting up a PIN code and Biometrical identifiers: For security reasons, you need to enter a PIN code of at least 6 digits, but you can also set a biometrical identifiers. From now on, you will only be able to log in to the service using one of these identifiers (fingerprint, face recognition or PIN) and verify your changes and transactions if you set it too.

5. Security flag to use mToken: When you activate mToken, after  you set the PIN code, a security flag will appear, which you have to memorize because this will appear every time when you want to login to mToken. If you’ll see the same flag as by the activation, you entered the good PIN code and you have to accept it. If you’ll see a different flag, your entered PIN code is wrong, so you have to go back and enter again.

6. Completing Activation: After completing the activation (pressing NEXT button), you can use the activated services.

You can log in to the mobile application service [UniCredit mBanking] with your PIN code or using one of your biometrical identifiers (fingerprint, face recognition). If you did not set them when activating the services, you can turn them on later in the More / Settings / Security menu. (face recognition is only available on Apple iPhone X and versions above.)

When you log in to the [UniCredit mBanking] service, you will be taken to the Accounts page, within which you will see the balance of your primary account. You can swipe left and right on the screen to switch between accounts, and if you scroll down, you can view the transaction history for the above selected account. You can also view your savings accounts and accounts related to your mortgages among your accounts.

 

Account management functions

Select "Payments" from the bottom menu bar.

Here you can initiate a unique transfer in HUF or EUR , set a standing order or direct debit, use the Scan&Pay function or make a credit card repayment.

If you click Make a payment, you can specify a new beneficiary, initiate a transfer to a secondary identifier, use a saved template, or refer to the beneficiary of a previous transfer.

If you have selected a transfer method, follow the instructions on the screen, and then press NEXT. This will take you to the Review data page, where you can review your referral details once more and even save the data from this transaction as a template. If everything is OK, click the Pay button and verify the transaction with the your PIN code or a biometrical identifier (fingerprint, or face recognition).

Transfers in EUR using SEPA function

The SEPA (Single European Payments Area) transfer can be used for both domestic and cross-border euro-based payments, but only for transfers to the countries of the European Union and to Iceland, Liechtenstein, Monaco, Norway, Switzerland and the United Kingdom. As a customer of UniCredit Bank, you can also receive and initiate SEPA transfers. With this payment method, our customers can transfer an amount specified in euros.

Our customers can easily initiate transfers anywhere in the area using even a single bank account. Using a SEPA transfer can make euro transfers within Europe easier, faster and cheaper.

To use the SEPA transfer, click on Paymentss and then on the Make a SEPA payment.

Pay your bills with direct debit

You can pay your bills and monthly fees to any of your service providers by a direct debit order. You can now set up and edit a direct debit order via our mobile application service [UniCredit mBanking]!

  • Create new direct debit orders with a few gestures
  • modify or cancel your direct debit orders
  • you can set a limit to your direct debit so no service provider can withdraw too high amount of money from your account!

To set up a direct debit, click Transfers/Other and then Direct Debits.

Simplify your transfers and create secondary identifiers using your telephone number, e-mail address or tax identification number / tax number. After that, if you expect a transfer from someone else, you can give one of your secondary identifier instead of the 24-character bank account number, and the money will be credited to your account.

If you have selected the bank account to which you are assigning a secondary identifier, click on the "Secondary identifier" icon below the balance. Click the "Set az identifier" button, then select the type of the ideintifier you would like recording. Remember to enter only data that you have not yet recorded for another account. If you try to set a data which is already using for another account, you can abort the process, or finish it but in this case this data will be deleted from the another account. When you start the validation you will get a verification code in SMS or email which you have to enter to the Verification code field. Tap to next and verify this setting.  Until this happens, the secondary identifier will not act as account number substitutes. You can set multiple secondary identifiers for an account, and you can even set more than one identifier type for an account (for example, you can set two phone numbers or 3 email addresses for the same account).

If you have transfers that are occuring at certain intervals, the amount of which does not change, or you regularly set aside for another account, standing orders can simplify these operations.

To record a standing order, click "Standing orders" in the "Payments" page and select "Create." Please always check the information provided!

On the Standing orders page, you can also edit and delete your previously set orders. Drag the transfer you want to edit or delete to the left to select the appropriate action. Sign the new order or edit / delete it with the authentication method of your choice (PIN code, fingerprint, face recognition).

Avoid standing in the queue at the post office and pay your (printed) postal orders with [UniCredit mBanking]! After logging in, select the "Payments" menu and then the "Scan&Pay" function. Here you can choose to provide the details of the transfer by photographing the entire check or by scanning the data from the check one by one. After scanning, check the details and then authorize the transaction using the standard authentication method. It is that simple!

If you have two or more accounts at our bank, you can transfer money between them. To do this, select "Transfer between own accounts" from the "Payments" menu. On the next screen, select whether you want to initiate a transfer without a currency conversion or with a currency conversion. You can then select the accounts to be debited and the beneficiary, and then enter additional details for the transfer. Verify that you have entered everything correctly, and then use the standard authentication method to authorize the transaction.


Functions related to investment

If you have a securities account, you can review your securities in the Investment module available from the home page of our mBanking mobile application. In addition, as part of the service, you can perform savings-related operations, buy new securities and in case of certain products, sell them. When a new securities account is opened for an mBanking user, the service is automatically displayed in the mobile application and becomes available for use from the next working day, no additional request is required. 

On the opening page of the module, you can review the status of your investment portfolio’s total return. The historical evolution of your securities’ performance can be examined on a graph, with the help of filters, for different periods. You can check the breakdown of your securities by currency, account type and product type. In addition, the list of orders belonging to the portfolio can also be easily browsed from the next working day. 

Various types of investment opportunities are available for you in mBanking. You can

  • buy or sell funds that are available in the bank (for single or regular - Regular Saving Program - orders as well),
  • buy or sell (with limit price orders) equities which are listed on the Budapest Stock Exchange (BÉT),
  • buy specific retail government bonds.

User manual for The Investment Function

 


mCash - cash withdrawal without a card

Using the mCash function, you can withdraw cash from any UniCredit ATM. You can access this feature on the “Accounts” or „Cards”page by clicking the “mCash” button on the selected account or card. You can select or enter the amount. The minimum amount that can be entered is HUF 1,000, and the maximum is HUF 150.000. The amount entered must be divisible by a thousand. Click the GENERATE CODE button, perform the identification (with a PIN code, fingerprint or face recognition) to receive the code that you enter at the ATM. (The generated code is valid for five minutes and can be invalidated at any time.) After entering the code, you can withdraw cash from the ATM in the usual way.

 

Card-related functions

The debit and credit cards you hold appear on the cards page. On this page, you can see both activated and non-activated cards, as well as perform various actions: for example, you can set limits for activated cards and activate your non-activated debit cards.

If you have a debit or credit card activated at our bank, you can check or change the cash withdrawal and purchase limits for the cards by clicking on the "Card settings" button in the "Cards" menu.

After receiving your bank card, the card will appear in [UniCredit mBanking] as an unactivated card. You can activate it using the mobile app service: go to the Cards page, swipe left to select your non-activated card, then click on the card photo. Follow the instructions on the screen. Once you have entered the required information, use the standard authentication method to authorize the transaction.

If you usually shop online with your card, you have the option of using [UniCredit mBanking] instead of the confirmation SMS (instead of Huawei devices running EMUI/HarmonyOS). To do this, you need to turn on receiving push notifications, which you can do in any of the [UniCredit mBanking] and mToken services on the More / Settings / Push Notifications page. You can learn more about how to approve purchases more conveniently on our PSD2 page.

If you have a credit card at our bank, you have the option to repay the credit used with the card through the [UniCredit mBanking]. In the "Cards" menu, select your credit card and click on the "Credit Card Repayment" icon. On the page that appears, you can select from which UniCredit account to initiate the repayment, and below it you can see the minimum amount to be repaid as well as the total debt outstanding on the balance sheet date. In the editable amount field, enter the amount you want to deposit, then press NEXT. You can authenticate the transaction with your PIN code or a biometric identifier.

 

mCash - cash withdrawal without a card

Using the mCash function, you can withdraw cash from any UniCredit ATM. You can access this feature on the “Accounts” or „Cards”page by clicking the “mCash” button on the selected account or card. You can select or enter the amount. The minimum amount that can be entered is HUF 1,000, and the maximum is HUF 150.000. The amount entered must be divisible by a thousand. Click the GENERATE CODE button, perform the identification (with a PIN code, fingerprint or face recognition) to receive the code that you enter at the ATM. (The generated code is valid for five minutes and can be invalidated at any time.) After entering the code, you can withdraw cash from the ATM in the usual way.

 

 Analysis

In [UniCredit mBanking], you can categorize your expenses and incomes, and view the categorized summary on the „Analytics” page. You can also change the categories set for each item in the transaction history on the "Accounts" and "Cards" pages by clicking on the icon. Click on each transaction to see additional breakdowns along with details of the transactions. On the "Analytics" page, swipe left and right on the upper part of the screen to switch between months. With this feature, you can review your earnings and expenses over several months, so you can re-plan your finances and make it easier to decide what you can save.

 

With [UniCredit mBanking] you can make your other banking matters more convenient! mToken1 will help you with that

MToken is a software-based, PIN-protected code generator service that allows you to generate the access code required to access the internet banking service [UniCredit eBanking] and the e-Sign code to authenticate transfers. These codes can be used for a maximum of 3.5 minutes.

More details about mToken

1The fee for the mToken service is HUF 150 / month, which the bank does not charge as a special offer. The promotion is valid until revoked.

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