Security announcement

Dear Customer,

Please be informed that fraudsters pretending to be bank tellers—most often by claiming a problem encountered during a bank card or other transaction, under the false pretence of bank card blocking, or by offering a high-yield investment solution—may attempt to obtain banking data by phone, trying to trick defrauded customers into transferring funds. Fraudsters may also contact customers in connection with the sale of a product advertised on the internet, and under the pretext of a mail order service attempt to defraud customers of banking data (internet banking ID/password/mBanking activation code). Using the data thus obtained, they make unauthorised bank card purchases and transfers, causing damage to unwary customers.

The following can help you avoid falling victim to fraudsters.

Suspicious signs may include the following:

VERY IMPORTANT: under no circumstances does UniCredit Bank ask you to provide the following identifiers, therefore, do not share them either:

If you have been a victim of fraud, please report it to the bank immediately by calling our 24-hour call centre (+36 1/20/30/70 325 3200).
We also recommend that you file a police report with the local police station.

Further information:

Do not install any programs (e.g. AnyDesk, TeamViewer, etc.) on your computer, phone or tablet.
In all cases, log in to the interface of our internet banking service via our website, never through any link sent to you by third parties.

We highly recommend that in the event of any of the above circumstances, you disconnect the call and report the incident without delay to our customer service.

In addition, we kindly ask you to carefully check your online bank card purchases and transfers, in particular the identity of the beneficiary and the amount of the transaction, and only approve such transactions, if you have made sure that you have initiated them.

If you receive a suspicious phone call or notice a fraudulent transaction, please contact our telephone customer service at + 36 1/20/30/70 325 3200.

Contact details for submitting requests for rectification (complaints), deadlines and procedures for processing requests

What should you do if you suspect a credit card problem or fraud?

What to do if you disagree with a particular debit?

What to know about investigating credit card complaints?

Proper conduct expected of you as a customer under the Framework Agreement

The Client is obliged to use the cash substitute payment instrument (debit card, credit card, mBanking, eBanking application) as set out in the General Terms and Conditions and to exercise due care and diligence to keep safe his/her personal credentials, VICA password, VICA registration password, VICA SMS code, password, mCash code, security code, such as PIN code, internet security code, eBanking single sign-on password, as is normally expected in the given situation. The customer (Account Holder, or User) shall keep personal credentials in a safe place.
The Customer (Account Holder/User) shall immediately report to the Bank any loss, theft, unauthorised or unauthorised use of the Personal Credentials via our Telephone Banking Service or in person at any branch. Such notification may be made at any time free of charge, costs or other payment obligations. When making the notification, the identification of the cash substitute payment instrument concerned and the Customer's name and personal data (date of birth, mother's name) must be provided.
The Account Holder shall be liable for any damage resulting from the misuse of the Account Holder's or User's identification data as a result of the Account Holder's/User's intentional or grossly negligent conduct. Only the Account Holder shall be liable for any damage resulting from the loss, theft or negligent handling of the personal credentials listed above, or from the access to the system and the performance of account-related operations by unauthorised person(s), if the damage was caused by the Account Holder acting fraudulently or in breach of his contractual obligations, whether intentionally or through gross negligence. The Account Holder undertakes to compensate the Bank for any damage suffered by the Bank as a result of such action and proven to have been caused by the negligent or intentional conduct of the Account Holder/User.
Violation of the security rules of the General Terms and Conditions constitutes gross negligence. The Account Holder shall be liable for the acts of any person to whom he/she intentionally or negligently allows the use of the Service.
The Account Holder accepts as the extent of the damage suffered by the Bank the data provided by the Bank, proven in detail at the Account Holder's request.
The client must examine and continuously check the payment account statements, securities settlements, custody and yield statements, other settlements, notices of execution of orders and information on expected payments and dispatches, and report any objections within 8 days of receipt to +36 1/20/30/70 325 3200. If the account holder is a retail customer or a microenterprise, in the case of a request to correct an unauthorised or authorised but incorrectly executed payment transaction, the bank must prove that the payment transaction in question was authorised by the account holder as payer, that the payment transaction was correctly recorded and that execution was not prevented by a technical error or malfunction. Where the relevant transaction was initiated using a payment initiation service, the payment service provider providing the service shall prove that the transaction was authorised and recorded and that execution was not prevented by a technical error or malfunction of the payment service it provides.
In the case of an unauthorised Payment transaction, whether or not initiated through a payment service provider providing a Payment Initiation Service, the payment service provider holding the payer's payment account shall reimburse the payer for the amount of the unauthorised payment transaction, unless it suspects fraud for reasonable grounds in the circumstances and informs the competent supervisory authority in writing.

The above provisions and the detailed rules are set out in the General Terms and Conditions annexed to the Framework Agreement.

Maintain and regularly update the settings of your digital devices and prevent others from accessing your sensitive data

Encryption

You should encrypt your data stored on your IT devices (mobile phone, tablet, laptop, computer, smartwatch). A properly set-up and functioning encryption system will prevent others from accessing data stored on a lost or stolen device. You can find the encryption option in the device settings.

Screen lock

Set an automatic screen lock on your device. Tip: the shorter the time it takes for the screen lock to turn on, the more secure the data stored on your mobile device.

PIN code, password protection, biometric identification

Use passwords, PINs, passcodes or biometric identifiers to protect your devices. It is also worth considering using multi-factor authentication (e.g. sending a confirmation password to another device).
Do not e-mail your passwords or PINs to yourself, do not save them as plain text in a text file, do not photograph your security identifiers on paper, and do not store them on your devices. We recommend that you use a reliable password storage (password safe) application.

Virus protection

Use antivirus and anti-virus software, set up a firewall on your device, and regularly install manufacturer software updates. Only install applications from the official software store associated with your device (e.g. Google Play, App Store, AppGallery, etc.). If strangers - or even callers posing as strangers - ask or instruct you to install software downloaded from a link sent by email or SMS, don't!
Do not connect media received from others to your device! Do not open an email, SMS or messaging service (Messenger, Viber) from an unknown sender! Do not open attachments or links in such e-mails. If this happens by accident, the pop-up window should be closed and nothing should be downloaded. After accidental opening, it is worth running a quick virus scan on the device.

Backup

It is a good idea to regularly back up the data stored on your devices. The regular backup feature can be found in the settings of your device and will help you to recover your data if you lose or have your device stolen.

How can you increase the security of your money?

Set a daily credit card limit

An important safeguard can be to adjust your daily credit card limit to reflect your average or planned spending. In this way, any transactions exceeding the limits will be automatically rejected, regardless of the available balance on the account.
When you apply for a debit or credit card, the bank automatically sets the usage limits set out in the List of Conditions, but you can set different limits for a fee as indicated in the List of Conditions, in the following ways: at any of our branches or via the Telephone Banking service using your ID and PIN code, in the mobile application
You can set a higher limit for a temporary period of time, until the desired transfer is initiated, using our Telephone Banking service, for increased security.
If you request it, the limit will revert to the level before the increase after midnight.

The default transaction limits at UniCredit Bank are:

HUF 200 000 for forint bank accounts,
for UniCredit mBanking mobile application service,
UniCredit eBanking Internet banking service and UniCredit Telephone banking service channel, the daily limit is HUF 500 000.

Suspension of a debit card and lifting of the suspension

You have the option to suspend and unblock your debit card in the mobile app (this is not equivalent to blocking your card via our Phone Banking or in a branch) if you suspect that its details have been stolen or abandoned.
You can use the "push notifications" feature of our mBanking mobile app to receive free notifications of your card purchases and ATM cash withdrawals. You will also receive messages after successful and unsuccessful card transactions, so you can detect unauthorised use or theft of your card sooner. We therefore recommend that you turn on the push function if you have not already done so.

You should always check your bank statement and notify our bank immediately if you notice any transactions that were not initiated by you or the cardholder.

Proxy access via electronic channels

Best regards,
UniCredit Bank Hungary Zrt.

UniCredit mBanking Put your bank in your pocket!

UniCredit mBanking
Put your bank in your pocket!