mBanking Invesment module

How can I place a securities order?

Log in to the mBanking service of UniCredit’s mBanking mobile application, then tap on the Securities box of the Investment product at the bottom of the landing page, which will redirect you to the Investment module.

The Total value is shown in the graph on the Performance page (security value plus the return since the purchase of the security). The Performance shows the return accumulated since the data was uploaded to the banking systems, in HUF and expressed as a percentage (if You have previously sold the security, the performance will be shown together with the already gained return). Tapping on the graph will reveal the Performance calculated since the data was uploaded to the banking systems, expressed as a percentage. The graph shows the changes of the development of the portfolio during the timeframe set below the graph (for example: if 1 year can be set, but if 1 year has not passed yet since the data upload, it is indicated on the left side of the graph, from when performance is shown). The list of Your securities is shown in the “Securities” section below the graph, where the HUF amount is the value of the security increased with the yield since the purchase, and the percentage shows the yield since the data was uploaded to the banking systems (expressed as percentage). In case of foreign currency, the Performance is shown adjusted to the changes of the exchange rate between the date of purchasing and the data uploaded to the banking system.

In the Investment module, you can scroll through the content using four tabs:

Performance,
Product type,
Currency,
Account List. In the middle of each page, you will find icons that take you to the History and Invest pages.

By tapping on the Invest icon, you can access the list of available securities.

The list includes:
- name of the securities,
- ISIN code,
- depending on the type of the security, its last known price or its performance over the past 1 year.
You can select the -requested security from the list by tapping on the line of the given security.
There is a search tool on the page that allows you to narrow the list based on the long or short name or ISIN code of the security, but you can also use the filter. The search tool works with and without accent marks.
Please select the desired security!

By tapping on the desired security, you can view:
- the data of the product (the available amount, the Performance*, the type and number of the sub-account of the securities account is shown below the name of the Security),
- the History,
- the Documents, and the recording of buy or sell orders can also be started here.
(The Sell icon will only appear on the screen if you own the given security.)
In line with the direction of the order, please select either the Buy or the Sell function.

*The Performance shown here is indicating:

If You own the security and have not sold any of it yet, the number is indicating the Performance calculated since the purchase. If You have already sold from it, the number is indicating the sold securities, the yield gained by them and the still existing securities and the yield gained by them.
If You do not own the security, then the system shows the year-to-date (YTD) performance.

Once you have clicked on the “Buy” button on the page of the selected security, choose the security sub-account for which you wish to submit the order and specify the quantity on the form that opens (pieces or amount expressed in the currency of the security).
If you wish to place a securities order from your payment account (to the main securities account: 00000S00), select account 0000000.
The PRT (portfolio) sub-account should only be chosen if you want to separate the securities to be purchased from the payment account from the securities purchased from the payment account at a different time and exchange rate. If you want to open a new PRT sub-account, select the PRT000 sub-account.
If you want to place a securities order from a Pension Savings Account (PIL), select the PIL000 account for the first order. You can only place an order for this account if you have previously opened the Pension Savings Account in one of our branches and the needed amount is also available on the Pension Savings Account. Recording any securities order from the 600x ending Pension Savings Account is currently not available in the mBanking service, but you can place the relevant order via Telefonbank or in person in one of our branches.
If you want to place a securities order from a Long-Term Investment Account (TBS securities sub-account), select the TBS000 account for the first order. You can only place any order for this account if you have previously opened the Long-Term Investment Account for the given year in one of our branches and the needed amount is available in the relevant Long-Term Investment Account.
The system always indicates the number of the Account to be debited, please always check it before finalizing the order.
If the form is not completed, the system will display warning messages for the missing fields. The “Next” button at the bottom of the page will turn active if all the fields have been completed. On the following page you will be able to view the details of the order to be submitted.

The data of the transaction can be viewed on the Review data page. In case of an error, you can undo and modify your order using the arrow in the top left corner.

Prior to submitting your order, please review and read all information related to the order and the security. From the tabs under Purchase information, please click on Ex-ante costs to submit that you are familiar with the ex-ante cost calculation for the security you wish to buy. If you have familiarised yourself with all the necessary information, please click on Terms & Conditions which will activate the Confirm and send button and allow you to submit your buy order.

More information of the settlement of the securities order can be found on our website: List of conditions, announcements for private customers and in the following documents: List of Conditions for Private Customers – Securities Trading and Announcement on the Execution Order of Security Related orders and List of Conditions for Top Affluent Customers – Securities Trading and Announcement on Execution Order for Securities related orders.

Buying investment funds in the Regular Savings Program

For the list of funds available for buying for the Regular Savings Program account, switch to the second tab on the List of securities page.
If it is possible to start a regular investment in the given investment fund, you will need to select whether you want to create a one-off or a regular investment by tapping on Buy in the window that pops up before the order form.
If only one-off transactions are allowed, the form will open straight away.
The amount (minimum HUF 10,000) and the start date of validity must be specified on the form. This date is important, because the amount will be invested every month on this date.

Regular securities orders will only be debited from the Regular Savings Program account, therefore, you need to set up a Standing order for the new regular securities orders from your current account to the Regular Savings Program account (in mBanking: “Savings account”), the completion date of the transfer (e.g. the 5th day of each month) should precede the investment date of the securities order by at least 3 days (e.g. the 8th day of each month).

History

The list of existing securities orders, transactions and regular savings program history is available by clicking on History on the Performance screen of the Investment module. The History page will include no data if
- you do not have any securities, or
- the securities order has been submitted through another channel and at least one bank working day has not passed since the date of settlement.
The Transactions menu only includes fulfilled securities orders (after 12 a.m. on the banking workday following settlement).
Both executed and pending orders submitted through the mBanking service will appear in the Orders and Regular savings menu.

Buying retail government securities (bonds)

Buy orders for Bonus Hungarian Government Security, Premium Hungarian Government Security, Fixed Hungarian Government Security and Hungarian Government Security Plus can be submitted as T-day orders between 6:00 a.m. and 5:50 p.m. on banking workdays.

How can I sell my existing retail government securities via mBanking?

It is not possible through the mBanking service.
You can submit your order to sell government bonds via the eBanking Internetbank service (between 9:00 a.m. and 4:00 p.m. on weekdays), Telefonbank (between 8:00 a.m. and 4:00 p.m. on weekdays) or in person, at one of our branches (between 8:00 a.m. and 4:00 p.m. on weekdays).

Please always check the details of your order before signing it.

Buying funds

The direct regrouping function for Amundi funds is currently not available in the mBanking service, but You can place Your order via the eBanking Internetbank service, Telefonbank or in person, at one of our branches.

Regular saving progams

How can I change the amount of my already existing Regular Savings Program?

The existing securities order should be canceled and the new order must be recorded. This function is currently not available in the mBanking service, but You can place Your order via the eBanking Internetbank service, Telefonbank or in person, at one of our branches.

What happens if there is not sufficient amount on the Regular Savings Account?

If there is not sufficient amount on the Regular Savings Account at the time of the purchase, the system seeks for collateral during the next 30 days. If the sufficient amount is debited on the account, then the system will automatically invest it.
In case of missed month(s) the Regular Investment Program continues and in the following month – if the sufficient amount is available – the purchase order will be executed.

BSE equity orders

For orders to buy or sell equities listed on the Budapest Stock Exchange (BSE), in addition to the quantity, you must also specify:

the limit price (the system will pre-fill it with the last known closing price, but it can be modified), if possible, the order will be executed at this price or at a more favourable price, and
the system will calculate the amount of the buy or sell based on the specified limit price.
We can only accept orders at limit prices, for a define day or until withdrawal (max. T+359 days).

Withdrawing orders

Equities listed on the Budapest Stock Exchange

How can I withdraw an order for an equity?

Withdrawal is currently not available in the mBanking service, but you can submit the relevant order via the eBanking system, the Telefonbank or in person, at one of our branches.
Equity orders can only be withdrawn in the case of unfulfilled orders (FEL) or partially fulfilled orders (RTJ), for the part of the order not affected by the partial fulfilment.
If the Bank receives the order withdrawal after the time specified in the List of Conditions, the withdrawal will be uploaded to the electronic bidding system of the regulated market at the start of trading hours on the following trading day (opening of trading), and the securities/cash reserved for the order will be released after a positive confirmation.

Hungarian retail government bonds

How can I withdraw an order for retail government bond?

By signing the order for retail government bonds, you have made an unconditional and irrevocable declaration, therefore, it is not possible to withdraw it.

Investment funds

How can I withdraw an order for investment funds?

Once an order for the investment fund has been signed, it cannot be withdrawn, therefore, please always check the details of your order before signing.

How can I cancel the regular investment order specified for the Regular Savings Program?

Cancellation is currently not available in the mBanking service, but you can cancel the relevant order through the Telefonbank or in person, at one of our branches.

Securities transfer

Securities transfer is currently not available in the mBanking service. You can submit a securities transfer order via the eBanking service or in person, at one of our branches.