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User's guide OTPdirekt service

1. 6 otpbank Romania SA member of otp group Notes Username If the authentication is completed using a bank card the last 10 digits of the 16 digit bank card number used within the OTP Bank network if the user authentication is completed without a bank card then it is the alohanumeric code available characters letters numbers _ you specified upon concluding your contract The Access code is a 3 digit code When you first login the access code is the last 3 digits of the IBAN code or the 3 digits before the account s currency code e g IBAN RO420TPV110000047725RO01 so the access code will be automatically 725 This access code is also identical with the last 3 digits of the customer ID in your contract When you first log in the system requests that you change your access code You can change your access code by using the automated telephone service or the bank website i e only you will Know the password In addition you can change this 3 digit code any time for instance if you suspect that the code has been compromised If you forget your access code you need to visit the bank after which the last 3 digits of your account number are set as your new code just like upon your first login Customer code the bank system s registration code Token code after you sign the OTPdirekt contract the legal entities customers are receivinga token device ohysical token that generates an 8 digit code
2. 6 otpbank me A User s guide OTPdirekt service otpbank Romania SA member of otp group Chapter 1 OTPdirekt Contact Center Internet Banking SmartBank and SMS PICT EE EE EE tect tee te eee ic te el EE EE DE N 5 1 General INfFOrMAtION cccccccccccsscssccccsscsscccessssccccsscsccsssseccsesssesccccesscscesessesseees 5 2 oi cl AI MA EE OE E OE EE TO N 5 3 The OTPdirekt Service contract ssssssssssssssssse esse Gees se Gee ee EG Ee ee 5 3 6 otpbank Romania SA member of otp group 3 3 4 Foreign exchange 3 6 1 Approving transactions based on a contract providing differentiated authorizations ee ek ae ee ee ee De be DEEG Ee Rd Ge 28 dr Eards NON ee ee ee N Ee ee ee Vee 33 3 8 EleelroricBMImERU ses RE ie ER ie Re go ed dee EE EE dv G ees 34 3 8 1 Investment portfolio eeeeesessssscccceceeesscocccceeeeessoccccceeeeesoocccceeeeeessocccceecesesoscccceeee 35 3 8 2 39 SMS Alerts MENU nE EEEE 38 410 Settin s Men EE 44 1 General iniormalion sisie de Ge ee ed 54 Customer GUTNENTIC ATION oi sicccscedscccssseceasideicccevesscocceceiasesssecceesudeicevevesstociecetaseusvetceesas 54 6 otpbank ppar SA member of otp group 3 2 EXCHANGE A MONU EE EE EE EE EE aaa aaia 60 Sie Fiid ATM MENU eni BE ee eg ees vel ee ee ee Gn Ge oe Ge 60 JA COMMA CUMS Us dees SEE Ni Ge GE ee EG ee ed oe DR 60 1 1 a 1 GRAS Fea TOPIC O se ses
3. After filling in with transactions it can be seen in the aria 1 on the left 58 RO01 11 35 RON side of the screen the accounts that have been attached and an 31 RO02 707 84 RON overview of revenues and expenses in the area 2 and 3 Incomes 2 29 Month sep 2014 7 Expenses 3 18 3 Month sep 2014 Available amount 19 79 RON Month sep 2014 The total income and expenses are presented as diagram on the main page based on selected categories 48 6 otpbank Romania SA member of otp group Expenses Incomes Alte cheltuieli 60 Combustibil 2 Supermarket 7 Telefonie 4 Medical 6 Minimarket 0 Restaurant 9 Restaurant 9 Alte venitur 39 If you wish to insert income and expenses in a future period use the Events for the next days menu selecting the type of transaction income or expense Events for the next days ra le 26 27 28 29 30 1 2 s 5 6 T 8 9 10 11 12 15 14 15 September October Today 2014 To add change a Category use User button gt option Settings and select the menu Categories and Subcategories If you want change a Category then it will be used column Name Category to change the name and column Icon to change representation 49 otpbank Romania SA member of otp group mr BS Settings Categories and subcategories O Subcategories ae a w Asr hemel 4 Casa 3 es e a ea move persona 4 QoQ mea a a oos
4. Available amount 720 79 RON Month sep 2014 To return to your Internet banking application use the Back to OTPdirekt button Back to OTPdirekt 53 6 otpbank Romania SA member of otp group Chapter 4 OTPdirekt SmartBank 1 General information The SmartBank platform is available from all mobile phones with Internet access The application can be downloaded from the online stores of Google Play or Apple Store or directly from the bank s mobile website at m otpbank ro Like OTPdirekt Internet Banking the SmartBank service also has an informational interface exchange rates Find ATM contact us and preferences and a transactional interface OTPdirekt The difference is that no authentication is needed on the informational interface of SmartBank 2 Customer authentication You have to complete all authentication elements at the first login as specified in your contract with or without a bank card and enter the token code Authentication with a bank card Authentication without a bank card Token code You naad te sutharti ste You n ed te sutberticate beac Bete Ca ed Code Cantina aparst ir Paopao d Marre n ae conn ee SEE Authentication with a bank card Username the last 10 digits of the debit credit card Password the 3 digit access code the first time you log in it is the last 3 digits of your client code Authentication without a bank card Client code the bank system s registra
5. 6 otpbank Romania SA member of otp group 3 2 2 2 Payment order proof 1 Select the payment for which you would like to request a document proof next click the Tools icon and the Export button 2 Click the Copy button to copy the transactions details for another bank transfer to complete perd Plata 20140526 238285963 Ben m De CRISTINA Cont RO460TPV11 EIN tas Desc cash z Details ed oa Export 1 re Transfer 187 39 RON cu data valutei 26 05 2014 1 ee issue new payment 26 05 2014 Transfer 9 6 RON cu data valutei 26 05 2014 9 60 Fr transfer lems 10 F 1 gt 3 2 3 Open account menu Acces the Account menu by clicking on the sign then click Open account 1 Select the account s type current or savings account you want to open 2 Select the account s currency you want to open 3 Read and check the box next to the statement agree to the contract conditions specified in the Terms and conditions for OTPdirekt service and also with those related to the current account saving account available here Click Next Accounts Open Account My Accounts Acc Statements Account details Operations history TER Account type 1 T Currency 2 T Payments Investments funds l lagree to the contract conditions specified in the Terms and conditions for OTPdirekt service and also with those related to the current account saving account available here 3
6. o priority what priority do you request to complete the transfer max 1 character S Standard or U Urgent o paymentMethod the payment method must be entered i e OP money order 2 characters OP o transferVerification enter the word SWIFT 5 characters SWIFT o documents indicates whether the transfer has any attachment 31 otp bank Romania SA member of otp group max 5 characters TRUE if a document is attached or FALSE if there is no attachment not required field commissionsFees indicates the method of commission payment max 3 characters OUR BEN or SHA SWIFT BeneficiaryBank the SWIFT code of the beneficiary s bank max 20 characters A Z 0 9 beneficiaryAccount the IBAN number of the beneficiary s account max 24 characters A Z a z 0 9 V beneficiaryName the beneficiary s name max 240 characters A Z a z 0 9 V beneficiaryAddress the beneficiary s address max 24 characters not required field beneficiaryBankCountry the country code of the beneficiary s bank max 2 characters A Z beneficiaryBankAddress the address of the beneficiary s bank max 240 characters A Z a z 0 9 V beneficiaryBank the name of the beneficiary s bank max 240 characters A Z a z 0 9 V beneficiaryCountryCode the code of the beneficiary s country max 2 characters A Z partnerCountry th
7. a BQ Toe 3 eo E F If you want to insert a new category then 1 Choose a picture from existing 2 Name the new category Use the Add button To add change a Tag use the User button gt option Settings menu and select Tags If you want to change a Tag name then use Tags column The Recycle Bin will be used to delete a tag 50 6 otpbank Romania SA member of otp group Settings Tags 8 Mar eens N J Subcalegones d e If you want to insert a new tag then 1 Name the new Tag Use the Add button 3 11 4 View and modify Transactions can be viewed as chart or columns by calling the Transactions tabular form Back to OTPdirekt Transactions 1 ne Total Data Details Category 24 09 2014 5275 ETER SALE la HELP NET FARMA Kiminin 17 16 fod Medical f 22 09 2014 RON l 2 3 5 In tabular form you can add a new transaction using the New Transaction button delet a transaction using the Recycle Bin button divide a transaction into multiple transactions using the Split button Also changes can be made to a transaction by making double click on the operation Date of transaction Description of the transaction The amount of the transaction Category transaction The Pencil button help us to make changes to the transaction including the transaction tag N ER MA EP 51 6 otpbank Romania SA member of otp group Edit Transaction Details incasa
8. Savings Cancel Sign transactions 6 otpbank Romania SA member of otp group Click Confirm transaction to open the selected account Open Account Account details Accounttype Currentacount Currency DKK Cancel Remark This facility is available only to individuals and has a limited availability e g customers with garnishments loans can open accounts if they meet certain additional conditions If this option is not available to you please visit the nearest OTP branch 3 3 Payments menu 3 3 1 Transfer between own accounts At the Payments menu click the sign and then select the option Domestic payments Transfer Enter the payment details in the mid section of the page 1 Select the account from which you would like to make the transfer from the drop down list 2 If you have a saved payment template select the specific template name from the drop down list The payment details will be automatically loaded from it In this case you only need to fill the 3 8 and 9 fields 3 Enter the transfered amount 4 Select the account to which you would like to make the transfer from the drop down list 5 Your selected account number will be automatically loaded 6 Your name will be automatically loaded 7 Enter the transaction details 8 Click the option One Time Transfer if you want the transfer to be processed just this time Click the Standing option if you want the transfer to be c
9. atpbank S A CARPATICA BO i ig Y SRL 01 02 2010 29 12 2009 28012010 3 48 3 48 Would you like higher yields BANCA sc LAC than interest rates on COMERCIALASRL deposits BO RNCB3AFOO78138 01 02 2010 14012010 29 01 2010 204 99 204 99 ROMANA ODORHEIU S A SECUIESC 36 6 otpbank Romania SA member of otp group 3 8 3 Cash and non cash loans situation This section provides information about loans borrowed from OTP Bank Romania as well as the amounts of the deposits designed to secure loans obtained by legal or by private individuals as third parties Surety Information on loans loan type e g credit lines other treasury loans mortgage loans etc currency the approved amount of loan and its current balance the maturity date the loan interest and the accumulated interest up to dated the next maturity date and the next instalment date amount Information provided on collateral deposits the IBAN number of the deposit account the amount deposited the period left until the maturity date the deposit date the maturity date the interest rate the maturity option close deposit capitalization prolongation with capitalization prolongation without If you used a line of credit with multiple currencies and purposes you get information on all the loans in the line of credit the total amount withdrawn the maturity date etc Electronic RM trove stere aot Pie Bah ad ee tan
10. desire a higher mobility of their real time information This service provides access to OT Pdirekt functions via SMS OTPdirekts SMS Alerts service sends text messages to the bank s customers SMS Alerts allows only one way communication from the bank to the customer It does not allow sending text messages the other way around from the customer to the bank in other words the customer receives SMS messages for information only The customer specifies in the contract for what event he wants to receive SMS and if such an event occurs e g an amount over RON 100 is credited to the customers account the customer receives a real time SMS about the specific event This product is available to all bank customers including individuals self employed persons or legal entities retailers and enterprises You can use OTPdirekt SMS Alerts service in two ways 1 in a package with the other channels Contact Center Internet Banking and SmartBank you subscribe for the full OT Pdirekt package and get information and transaction access on all channels Internet phone SMS 2 individually you only get access to the information sent to you by SMS alerts you cannot perform any transaction and cannot access information on other channels Internet and phone To use the service you need a device mobile phone capable of receiving text messages One precondition for receiving these notifications is that the device is part of a European m
11. in Romania BOOT KEES DI 00 Ear Delete Cards Electronic RM SMS alerts SMS ateta Telephooe mars ars 1 In order to add a new phone number the button Add Phone Number will be pushed The added phone number must be in international format eg for Romania is O0407XXXXXXXxX 2 The tool button will be used to modify of delete an existent number gt Account Control o Adding an alert 39 6 otpbank Romania SA member of otp group A Changes Configure Alerts amp Close All SMS Alerts Apply Changes o Account Control You will receive an SMS for every payment or collection fronvto your account only when the amount exceeds a threshold that you choose Create Alert Card control New Alert Account balance o Account balance BNR exchange rates Account 1 Garnishment Deposits Maturity Debit Minim amount o 3 Credit Minim amount 0 5 Phone number Create Alert Cancel Select the Account Control alert from the SMS Alerts menu and click the Create Alert button 1 Choose the account for which you want to receive sms 2 If you want to be notified for the amounts that will be debited from your account tick the box below Debit 3 A minimum amount will be chosen in order to be notified when the account will be debited 4 If you want to be notified for the amounts t
12. is sent daily between 8 00 a m and 9 00 p m if the conditions specified by the customer is fulfilled the amount debitied credited to the account is above the limit the customer selected Under appropriate technical circumstances the SMS informing about a movement on the account an amount above the customer specified limit is credited or debited arrives to the specific phone number within 2 minutes 2 3 Card Control a Description of the notification The Card Control service notifies the customer every time the bank card is used The bank sends a notification about the following card related events Card transaction the event affects the balance of the card s account L 1 Payments This is where all payment methods are found retail location POS terminal or virtual environment Internet 2 Cash withdrawal Cash withdrawal from an ATM or on a POS terminal at locations equipped with such devices Card event the event does not affect the balance of the card s account II 1 Incorrect PIN code If an incorrect PIN code is entered at the ATM or the POS terminal ll 2 Insufficient funds If the amount of the planned payment or cash withdrawal exceeds the amount available on the account 64 6 otpbank Romania SA member of otp group This notification type is valid for all OTP Bank cards debit credit cards private and company cards co branded or transparent cards In the contract you can specify the bank cards
13. member of otp group 1 Select the Received messages menu Search EE ra DOE GE Extras card credit OTP Bank The tcheduled exchange 09 o 201 gt Romania maj 2014 The scheduled exchange Gb Di 2014 gt The scheduled pachanga 6 mi 2034 gt Tha Scheduled excharge 04 oi 2014 gt The tchaduled exchange 0 oi 2014 gt The Scheduled exchange 0P bi 2014 gt The tcheduled exchange MM 05 2014 gt Schbrdeal Tracstora pras 29 05 3534 gt Load mora messages 3 2 Exchange rate menu You can access the Exchange rates menu without authentication Here you can see the exchange rates of OTP Bank Romania 3 3 Find ATM menu You can enter the Find ATM menu without authentication Using this service you can find the nearest branch to you also the exact locations of the ATMs using the Google map 3 4 Contact menu You can enter the Contact menu without authentication Here you can find out who to contact in the following situations Lost bank card phone Mobile Internet Banking phone or email Products and services phone or email Other inquiries phone or email 1 1 Favourites menu Use the Favourites menu to select the language of the SmartBank application Romanian English or Hungarian 60 6 otpbank Romania SA member of otp group Chapter 5 OTPdirekt SMS Alerts 1 General information OTPdirekt s SMS Alerts service of OTP Bank Romania is designed for customers who
14. mm 17 pe 6 otpbank Romania SA member of otp group 3 2 Accounts menu 3 2 1 My accounts At the Accounts menu click the sign then select the option My accounts 1 The lower left section of the page includes the list the other menus 2 The mid section of the page includes the list of your accounts managed by OTP Bank all types and balances You have the possibility to select one of the following o Account history account transactions within a selected period o Domestic payments to get to the Domestic payments function under Payments o Foreign Exchange to get to the Foreign Exchange function under Payments 3 The lower section displays the list of the last 10 transactions completed regardless of the processing outcome which may be successful failed or in progress If you wish to see the last transactions of a certainaccount select the account number from the list 2 Welcome Popescu lon otpdirekt OTPdirekt brings you BIGGER interest rates for deposits Investments funds 0 1 0 E R Accounts Overview 2 All Nom zero balance 2 Saving tocuri Cont debit 90 46 RON reste Payment Account history POCROTRY 1 10000 WOOS 2 Saving accourfs Vacanta 20 RON Domesac Paymest Account history ROB20TRY1 1000 Roos 2 Sewing atowo Discover the Benefits ol 65 2008 148 RON Does Payment Account history OTPdirekt internet Banki
15. mobile phone numbers to which the bank sends the same notification at the same time b SMS format OTPdirekt The Deposit ID deposit in the amount of Amount Currency with closing option Option Interest interest is scheduled to close on Closing date c Paramets explanation 68 6 otpbank Romania SA member of otp group Deposit ID designation of the deposit account Amount the amount to open the deposit with Currency the deposit currency Option the option selected for the closing of the deposit Interest the interest of the deposit Closing date the date of closing the deposit d Message sample OTPdirekt Deposit no 53 0004 in the amount of 900 RON with closing option Prolongation with capitalization and 4 20 interest is scheduled for closing on 11 05 2012 e Operating time The Deposit Maturity Alert service is active Monday through Friday and the bank always sends an SMS when the sending criteria are fulfilled i e the customer opting for this service has a deposit scheduled to close in 3 days 2 8 Garnishments a Description of the message This SMS type is available for individuals legal entities and business associations without a legal personality The customer receives an SMS when blocking occurs on the account regardless of its type The SMS is sent after 19 00 of the garnished day The customer can only select 4 mobile phone numbers to which the bank sends the sam
16. of the client ID found in your contract When you first log in the system requests that you change your password access code You can change your password using the automated telephone service the bank website or the SmartBank application i e so only you will know it In addition you can change this 3 digit code any time for instance if you suspect that the code has been compromised See the chapters on the Automated telephone service and the login to the Internet Banking service If you forget your password access code the client must add your password access code will be reset to the last 3 digits of the client account Client code the bank system s registration code Token code after you sign your OTPdirekt contract the legal entities will receive a token device that generates an 8 digit code based on a secure algorithm To generate the code push the button on the token device individuals with OTPdirekt service receives a virtual token that will be received by SMS to the phone number specified in the OTPdirekt contract the virtual token code is sent to the mobile phone number specified in your OTPdirekt contract The phone number can be changed at any time in a branch by modifying your OTPdirekt contract You can also use the Settings menu of your Internet Banking service to change the phone number 3 Menu description 3 1 OTPdirekt menu 3 1 1 My accounts 1 Select the OTPdirekt option and to see your financi
17. reaching maturity b SMS format Relevant to the maturity date of the loan OTPdirekt Dear customer Maturity date is the due date for the payment of the credit line in the amount of Amount Currency Please contact the bank to extend the payment period Relevant to instalment interest or commissions OTPdirekt Dear Customer Maturity date is the due date for the payment of the amount of Amount Currency the instalment interest of the loan taken out for the equipment Relevant to the collateral and the closing of the deposits with agreed maturity except for one day deposits and those fixed for one day OTPdirekt Dear customer Specific date is the closing date of your collateral deposit in the amount of Amount Currency With regards to arrears OTPdirekt Dear customer Specific date is the closing date of your collateral deposit in the amount of Amount Currency 2 Deposit maturity a Description of the notification This notification is only for individuals The bank sends the SMS 3 business days before closing of the deposit regardless of the deposit type and the procedures due upon closing closing prolongation with capitalization and prolongation without capitalization To receive a notification regarding the closing of fixed deposits the customer has to select only one option in the SMS Annex to the OTPdirekt contract regardless of the number of deposits The customer can only select 4
18. saved payment template select the specific template name from the drop down list The payment details will be automatically loaded from it If you do not have a transfer template select the payment option nterbank Payment 3 4 P ND p 11 12 13 14 15 16 17 Enter the transferred amount Enter the beneficiary s IBAN account number If the beneficiary s account is managed by a Romanian bank the IBAN account number has 24 characters letters and numbers Enter the SWIFT code of the beneficiary s bank Enter the name of the beneficiary s bank Enter the address of the beneficiary s bank Select the country of the beneficiary s bank from the drop down list Enter the beneficiary s name Enter the beneficiary s address Select the beneficiary s country from the drop down list Select the statistical number from the drop down list Enter the transfer number Select the priority of the transfer Standard or Urgent Select the commission payment method OUR BEN or SHA Enter the transfer details message to the beneficiary If you want to use the transaction details with other transactions in the future click the Save template option name the payment template and then click the Save template button Complete the transaction Click Next to confirm the transaction details If you find the transaction details correct click the Next button If some of the data are not correct click Back to ed
19. savings 1 Current accounts 1 T 0 00 RON Create Deposit Deposit info My Deposits Amount Sign transactions g Deposit type 3 T Cards Prolongation 4 Electronic RM Settings 3 5 2 Closing deposits At the Savings menu click the sign and then select the My Deposits option You will find the list of deposits in the mid section of the page 1 Click the Close deposit button next to the deposit you want to close 2 Next will appear the details of the deposit to close If you wish you can enter the Reason for closing the deposit for your own records Completing the deposit closing e Click Next to confirm the transaction details e f you find the transaction details correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction Click Next to confirm the data and send the transaction for processing Accounts View Deposites Payments Amount Curreecy Maturity Daie Type of Deposa Simus Achoes investments funds o oo 5 Term deposits 2 05 334 EUR 18 08 2014 ACTIV Details CloseDepost 4 el Savings Create Deposit My Deposits 27 otpbank Romania SA member of otp group 3 6 Sign transactions menu 3 6 1 Approving transactions based on a contract providing differentiated authorizations Click the Sign transactions menu Here you will find the list of transfers waiting for approval 1 Check the box next to the
20. that every 6 months OTP Bank never asks for your OTPdirekt login information over the phone by email SMS or any communications channel lf anyone asks for your OTPdirekt login privacy data using any communications channel e do not reply to the message e do not click on any of the recommended links e do not disclose your card information e g PIN code e please forward the message to office otpbank ro to help us identify the attackers Please report any unauthorized use of your privacy data to the bank office otpbank ro or 0800 88 22 88 021 308 57 10 Protecting your computer Please ensure that your computer is protected by antivirus software We recommend that you regularly run the software on your computer Antivirus software analyse executable files block known viruses and attempt to detect the activities of unknown activities Antivirus software require regular updating to ensure that they detect the latest viruses We recommend that you use a firewall in the connection between the Internet and your computer The firewall is a software application that protects your computer and the data stored on it against Internet threats A correctly configured firewall prevents any unauthorized information exchange between the computer and the external source 6 otpbank Romania SA member of otp group Chapter 2 OTPdirekt Contact Center 1 General information The OTPdirekt Contact Center service is availabl
21. transfer you want to sign This message informs you about the transfer status INIT AVZP and details 2 3 This field only contains the transfer amount 4 Click Confirm to approve or Delete to reject the transfer 5 You can search among or sort the transfers that needs your approval Accounts Transactions approval Payments Files w Investments funds 4 f 5 Search Savings Posting Date Transaction Amount Sign transactions E 2 3 41 00 Frid 1 INIT BENEFICIAR DE PLATA 1 obiect de plata 1 Loading the RON and foreign currency payments from fileClick the Sign transactions menu The download from file menu is located in the mid section of the page 1 Click the Files button 2 Click the Upload File button 3 Click the Search File button in the new window to select the file to upload Before uploading you need to create the file as described in the section Guide below 4 Click the Upload File button 5 Select the file from the drop down list 6 Select the transfers you need by checking the appropriate box 7 Click Confirm to approve or Delete to reject the transfers If needed you can approve transfers individually Accounts Transactions approval Uptoed file Payments de T e investments fund Savings E Sign transactions Posting Date Cards Electronic RM Settings 28 otpbank
22. you wish to receive notification The bank sends all notifications to the same phone numbers regardless of the bank card Notifications about multiple cards are sent to multiple phone numbers The Card Control notification service offers real time control over the card usage to prevent any inconvenience due to theft or fraud This notification is primarily for card control and security alerting the customer if the card is used in commercial transactions ATM cash withdrawals if an incorrect PIN code is entered or if a transaction exceeds the available balance of the card is attempted b SMS format CARD TRANSACTION affects the balance of the card s account OTPadirekt Card number Card Date Date Time Amount Amount Currency Description CARD EVENT does not affect the balance of the card s account OTPdirekt Card number Card Date Date Time Description c Parameters Explanation Card the last 4 digits of the bank s card for which the notification is sent Date Time the date and time of the card use in dd mm yyyy hh mm ss format Amount the amount used with the card Currency the payment currency Description description of the card use event This field contains the following i the system response SUCCESSFUL TRANSACTION INCORRECT PIN INSUFFICIENT FUNDS ii the type of transactions the card is used a PURCHASE b CASH WITHDRAWAL iii the name of the card accepting location the
23. 1 Introduction MyMentor is a facility for individual customers free of charge This is a tool for economic analysis of all costs and revenue and will have the following characteristics Categorize transactions by type each transaction can be categorized so as to provide a clear picture of income and expenses Adding new categories or subcategories or delete them and change the names of existing categories Splitting a transaction into several categories if you want a division of transactions into several categories Automatic Classification of card payments most card transactions are automatically categorized Expenses income presented graphically charts and columns for an easy evaluation of the economic situation For a more complete categorization of expenses and incomes can enter tags 3 11 2 Description of the application menu Accounts Payments investments funds Savings Sign transactions MyMentor application can be accessed from MyMentor button at the bottom of the main menu 3 11 3 Data input At first login the application will not contain data they will be imported or entered by the user The user can choose to import his data related to transactional accounts cards held at OTP Bank by using the Import button and choosing an account 46 otpbank Romania SA member of otp group Connect Accounts Select the accounts you wish to monitor You have not mponed aw card of BOS mo
24. 3 digit code When you first login the password is the last 3 digits of the IBAN code or the 3 digits before the account s currency code e g IBAN RO420TPV110000047725RO01 so the password will be automatically 725 This password is also identical with the last 3 digits of the customer ID in your contract When you first login the system requests that you change the initial Access Code You can changethe Access Code by using the automated telephone service or on the bank website i e only you will know the password You can change the password at any time or whenever you believe that it has been compromised If you forget the Access Code the clients contacts the bank at the numbers mentioned aboveand the Access Code will be reseted to the last 3 digits of the customer s account Token generated code after you sign your OTPdirekt contract the Legal Entities customers received a token device Physical token that generates an 8 digit code based on a secure algorithm To generate the code push the button on the token device individuals customers with OTPdirekt service receive a virtual token the generated code will be received through SMS to the phone number specified in the subscription contract 6 otpbank Romania SA member of otp group the virtual token code is sent to the mobile phone number specified in your OTPdirekt contract The phone number may be changed at any time at any branch by amending your OTPdirekt contrac
25. Er F MA ee AE EE i Investments funds j li MASTERCARD Reward System enrollment Virtual payments blocked Virtual payments active Lost card reporting Stolen card reporting Savings Cards Sign transactions informations 2 Values Cards Card No Electronic RM IBAN RO49I HS Settings Expiry Date 30 06 2016 Available amount 160 00 Blocked amount 144 77 Virtual payment internet Da access internet VISIE ine Ts MASTERCARD R d Syste Il t Master Card Reward page OTPdirekt and TERCARD Reward System enrollment aster Card Rewar find gt A new login a ma interface Transactions in pending 3 ENEL ENERG 02 06 2014 MUNTENIA BUCURESTI RO Settled transactions 4 BILLA 124 07 06 2074 PROMENAD CT RON 57 0 00 BUCURESTI RO 3 8 Electronic RM menu In the Electronic RM menu customers both legal persons and private individuals can get real time information through the Internet Banking platform regarding the following 5 investment portfolio 34 6 otpbank Romania SA member of otp group 5 loans in progress loan type currency approved value available balance maturity instalment due interest commissions remittance for collection of debit instrumets payments of debit instruments any recorded overdues insurance policies information To see Electronic RM notifications click the sign in the Tools menu then click the option Messages 3 8 1
26. Investment portfolio Here you can view the information related to you current financial situation Current accounts and savings accounts gt Deposits Investment funds The information presented are grouped as follows currency amount of deposit savings accounts interest of deposit savings accounts Accounts Electronic RM Payments Investment portfolio Cash Management Cash and non cash loans situation Overdue amounts Investments funds Savings Sign transactions Cards i Current and savings account 24 44 Electronic RM za Settings Deposits 75 56 3 8 2 Liquidity management Here you can get information about the remittance for collection of debit instrumets payments of debit instruments e g cheques promissory notes and bill of exchange For payments of debit instrumets the following information is available document type promissory note cheque or bill of exchange series and number of document the remitter bank and name 35 6 otpbank Romania SA member of otp group issuing and maturity date of the payment of debit instrument the amount payable Amount field the amount paid for the specific payment of debit instrument Amount paid field the date and time of the payment of the debit instrument If the paid amount is 0 the payment has not been processed or has been rejected If the paid amount is less than the full amount means that a partial payment was mad
27. Romania SA member of otp group Accounts Transactions approval Payments Files A Investments funds 5 eee zZ fisier de test Copy bd 11 02 2014 10 53 58 7 Search Savings amp Sign transactions Posting Date Transaction Amount Cards E 1 00 FT 8 s INIT BENEFICIAR DE PLATA 1 obiect de plata 1 Electronic RM 6 Catti E 3 00 FT Settings INIT BENEFICIAR DE PLATA 2 obiect de plata 2 6 E 1 00 FT INIT BENEFICIAR DE PLATA 3 obiect de plata 3 otphonk Guide to completing the file imported for RON transfer This kind of transfer can be made to customers with account at OTP Bank Romania or other bank No transfer may be imported between own accounts Step 1 e Open a blank Excel file and enter the following field names in the first row externalLink account id amount document documentDate paymentDetails beneficiaryName beneficiaryAccount bank_id bankBranchName beneficiaryCnpCui beneficiaryAddress transferT ype Example A B C D E F H 1 jexternalLink account id amount document documentDate paymentDetails beneficiaryName beneficiaryAccount 2 e Enter the transaction data in the next row as follows o externalLink a unique transfer identifier that cannot be be repeated for the other transfers uploaded from file This field prevents double transfers max 240 characters required field o account_id IBAN number of the source account max 24 character
28. al status by selecting My accounts 2 Select the account in order to view the last transactions 3 Select the transaction in order to to see the details 55 6 otpbank Romania SA member of otp group Wy accounts Lal poyrment Pist Card Cred s Trorster 120 RON cu date Mee oe D its gt A ae ne eer EEN va Teter MANN Rene fol 5 Speen emer enn DEPUNERE 200 08 oge gt finasare OP 90700596 ANDR Te Pa gt DCI lecasare OP TO1REET MASS 1 2 Vi triet ty gt gt Trarefer SAB POM code Ae E sagacitate OOOO O 3 1 2 Lei Payment 1 Select the Lei Payment menu for transfers between own accounts RON transfers to accounts managed by other banks or by OTP Bank Romania utility payments Orange Telekom Romania Communications S A Harviz Harghita 2 Enter the required information 2 1 Select the account from which you want to make the payment 2 2 Select the beneficiary type one of my own accounts a payment of a saved beneficiary b or utility fee c or tap the sign to enter a new beneficiary s data 2 3 The transferred amount 2 4 Tap Authorize payment enter the token code and tap Next again to sign the transfer My accounts GDF SUEZ ENERGY ROMANIA SA Lal payment i gt r GEORGE Ouposlts Foreign paymant Facelued messages l GHETE 7 gt 56 6 otpbank Romania SA member of otp group Senafciary name OPAMEE Payereet g
29. based on a secure algorithm To generate the code you must push the button on the token device individuals with OTPdirekt service receive a virtual token by SMS to the phone number specified in the subscription contract the virtual token code is sent to the mobile phone number specified in your OTPdirekt contract The phone number can be changed at any time in any branch by modifying your OTPdirekt contract You can also use the Settings menu of your Internet Banking service to change the phone number WITH A BANK CARD If you have a token device press the token s If you use a virtual token then click the Send button and enter the 8 digit code generated by the token button and enter the 8 digit code received by token SMS Thank yoo fer esing OTPdrakl Thank yoo tor using OTPdirekt Your Balance is 0 00 ROM Your hake is 6 00 ROW Piease enter the code generated by the token Please enter the code generated by the token TOR AA Virtual Token semd token Code token rie LOOS TOM EN EE EE EE EE Se 6 otpbank Romania SA member of otp group WITHOUT A BANK CARD If you have a token device press the token s If you use a virtual token then click the Send button and enter the 8 digit code generated by the token button and enter the 8 digit code received by token SMS Thank you tor ustega OT Pi sat Thane you tor wing OTPawenkt Please enter ihe code generated by the token Piease enter the code ge
30. contract specifies that the account balance is sent by SMS every Wednesday and on the 30th day of the month and the 30th day of a given month is a Wednesday then the customer will receive 2 text messages 62 6 otpbank Romania SA member of otp group As a general rule the customer receives SMS alerts as specified in the contract The IT system cannot check if the customer has conflicting settings therefore caution must be exercised when concluding contract 2 2 Current account control a Description of the notification If you choose this notification option you get SMS information about the following transaction types completed on your account Account Creditedregardless of the transaction type that serves as the basis for the credit e g closing a deposit collection etc You can decide whether you want this option if you do not specifically want to be notified of any amount is credited to your account you can opt for the SMS option only for account debits The customer can also specify a limit above which the SMS alert is sent If the amount credited is lower than the limit specified the bank does not send a notification Account debited regardless of the transaction type that resulted in the debit e g foreign exchange transfer current account debited by bank card use etc You can decide to take this option or not if you do not want to be notified of your account being debited you can opt for the SMS o
31. e 3 Choose the payment frequency 4 Fill in the payment name in order to identify it later Accounts Domestic Payment Doo Domestic Payment Transfer Select Account Foreign Exchange 1 Current accounts v Fe EE Data Transfer Investments funds 2014 5 30 14 54 0 00 RON Select Template T Savings i Amount Sign transactions My Accounts v Cards Account Electronic RM Name Details Settings Transfer Frequency 9 One Time Transfer Visit the dedicated page OTPdirekt and Date of Transfer valid from to find Excluded from to gt OTPdirekt Frequency benefits Payment name Save Template B 3 3 4 Foreign exchange At the Payments menu click the sign and then select the option Foreign Exchange Enter the foreign exchange details in the mid section of the page 21 6 otpbank Romania SA member of otp group 1 Select the account from which you want to initiate the foreign exchange the account with the currency you want to sell 2 Select the destination account the account with the currency you want to buy 3 Enter the transaction amount the amount sold or purchased and its currency Select the currency from the drop down list for which you would like to make the exchange 4 Give a short description for the exchange for your own records Complete the transaction e Click Nextto confirm the transaction details e f you find the transaction detai
32. e the deposit amount the maturity date and options Once you provided all the necessary information the operator will repeat them for verification and if you find confirm the transaction the operator complete will complete it If you wish to close a deposit you need to specify to the operator which deposit you wish to close You have the option to close a deposit that has a maturity date on that specific day or any other day 3 2 3 Payment in RON or foreign currency Using the Contact Center you have the possibility to transfer money in RON or in a foreign currency within the bank between your own accounts and also to other customers with their account within the bank or other banks The operator will help you along the way to specify what transaction details you need to provide 6 otpbank Romania SA member of otp group a If the beneficiary s account is at OTP Bank Romania the order number the beneficiary s full name and personal ID CNP company registration number the amount to transfer the beneficiary s account number any other information requested by the operator b Transfer payment to accounts managed by other commercial banks the order number the beneficiary s full name and personal ID CNP company registration number the amount to transfer the beneficiary s account number and the account managing bank any other information requested by the operator c Bank transfers to budgetary acco
33. e Edit Format View Help l EUR ROS30TPV110000156162EUO1 2750 00 S OP SWIFT SHA RLNWATWWXXX AT87320000 e Save the file to the specific target location and with a name that you can easily find when you need to import the file into your Internet Banking service The file size may not be larger than 5 MB 3 7 Cards menu Select the Cards menu if you need more information about your own bank cards or subcards The list of your bank cards appears on the mid section of the page Accounts Cards Payments Cards Ly REKE EERITDD al EE OE hy es GE Investments funds Cards z Mastercard Flat debit sign transactions RO JO1 30 06 2016 EUR Cards Mastercard Standard l R RO490T 06 30 06 2016 Electronic RM debit RON Mastercard credit RON ROOG 11 31 05 2015 Settings After you select one of the cards you get access to the following information 33 otpbank Romania SA member of otp group 1 In the interactive section whre you can subscribe for the Mastercard Reward System loyalty program activate block virtual transfers report your bank card lost or stolen 2 The information section the card s IBAN number expiry date balance status of virtual transfers or the status in the Mastercard Reward System loyalty programme 3 Information on pending transactions 4 Information on the settled transactions Accounts Cards Payments Cards 1 mP
34. e code of the partner s country max 2 characters A Z this is not a required field may be left empty details this field must be left empty explanation the details explanation for the amount transferred max 240 characters A Z a z 0 9 amount the transfer amount Mandatory format 9999 99 max 20 characters 0 9 statisticalCode the statistical code of the transaction max 20 characters 0 9 this is not a required field explanation max 240 characters A Z a z 0 9 this is not a required field amount the transfer amount Mandatory format 9999 99 max 20 chararcters 0 9 this is not a required field Completed file sample 32 6 otpbank R ia SA member of otp group I foreigncurrentysy dol payerdiccount smourt pray osymentiethes transterCoctirmation documents comessionsFees SwyiFThenreticiarySerk Se etingryaccount benefiriaryNeme Z EUR RORJOTPVILJ 2750 OP SWIFT SEL ALN WTA WRX ATS7IANOOIOIOOOONL LEW WALTER ste 2 p i After you complete the data specified in step 1 above delete the header of the table The first row of the file will be the firsttransfer information the row may not be left empty TEUR ROSSOTPVINE 17905 OP SWIFT sH ALNA TWW ATE7320C0000000Q0C LEW WALTER Step 3 e Save the file in txt format In Excel File Save as Save as type select the Text tab delimited txt option This is how the file looks like when you open it I To4test txt Notepad Fil
35. e notification at the same time To receive a notification regarding the blocking of the accounts the customer has to select only one option in the SMS Annex to the OTPdirekt contract b SMS format 1 Seizure type garnishment OTPdirekt Today DATE garnishment BLOCKTYPE case no CASE 2 Other types of garnishment OTPdirekt Today DATE garnishment BLOCKTYPE in the amount of AMOUNT CURRENCY case no CASE c Explanation of the parameters Date the day when the message is sent BLOCKTYPE the type of garnishment AMOUNT the amount garnished CURRENCY the currency of garnishment CASE the case number of the garnishment If the garnishment applies to multiple amounts but different currencies Currency1 lt gt Currency2 lt gt Currency3 then each Amount and the corresponding Currency is listed separately in the SMS 69 6 otpbank Romania SA member of otp group The SMS includes as many amounts and currencies as the number of currencies involved in the blocking but no more than 3 d Message sample 1 Seizure type garnishment OTPdirekt Today 14 02 2014 Seizure garnishment received case no 1223456 2 Other types of garnishment OTPdirekt Today 14 02 2014 Taxation garnishment received in the amount yyof 2 17 RON case no 1233321 e Operating time The Garnishment Alert service is active Monday through Friday and the bank sends an SMS after 19 00 if
36. e the balance on the current account did not provide sufficient amount for the payment For collection of debit instruments the following information is available document type promissory note cheque or bill of exchange series and number of document the remitter bank and name the settlement date Issuing and maturity date the amount for which the debit instrument has been issued Amount field the incoming amount Incoming amount field If the collected amount is 0 one of the following situations can apply the debit instrument has not been collected but it will happen the debit instrument has been rejected by the payer issuer If the amount collected is less than the full amount the payer partialy paid the debit instrument Accounts Electronic RM Payments Investment portfolio Cash Management Cash and non cash loans situation Overdue amounts Investments funds Savi Incoming Promissory notes and Cheques avings i re g Document Series Ho of Remitter Remitter Settlement Incoming Issuing date Maturity date Amount type document bank name date amount Sign transactions BANTA Cards COMERCIALA BO RNCB3SAG0061463 JUN 01 02 2010 24122009 28 01 2010 7 66 7 66 an COM SRL Electronic RM SA Oe Settings BANTA COMERCIALA BO RNCBS3AG0214183 PAULA 01 02 2010 07 01 2010 29 01 2010 706 29 06 29 ee ROMANA
37. e to all customers with an OTPdirekt service contract and a OTP Bank card Thisservice can be used by calling at the automated telephone service at the following numbers 0800 88 22 88 phone call available only from Telekom Romania landline network free of charge OTPBANK 6872265 available from the Orange and Vodafone networks at network call rates 44021 308 57 10 available from any landline or mobile phone networks and from abroad at rates applicable in the specific network After selecting the language 1 Romanian 2 English 3 Hungarian press button 3 and provide your authentication information to be connected to the customer service representative assigned to the specific operations and transactions 2 Customer authentication In order to use the OTPdirekt Contact Center you have to pass two authentication levels Level 1 2 static steps provide the last 10 digits of your bank card number You can use any bank cards issued by OTP Bank Romania the 3 digit Access Code Level 2 1 dynamic step provide the 8 digit number generated by the physical or virtual token After you successfully complete the first authentication level you can see the balance for the specific bank card and you can change your Access Code Notes the last 10 digits of your bank card the bank card has a 16 digit number the last 10 of which are used within the OTP Bank network The access code is a
38. enter the letter E for interbank transfers those directed to other banks the letter I for transfers within the bank within the OTP Bank Romania and the letter T for transfers to the Treasury No other values are permitted max 1 character required field Completed file sample A E D E F G H 1 externallink account id amount document documentDate paymentDetails beneficiaryName beneficiaryAccount 2 8 ROVSOTPV110000014441 RO03 1000 1 09 08 2012 TEST 1 lon Popescu ROOOTREZ4302112340101XXX 3 10 RO750TPV110000014441R O03 500 2 09 02 2012 TEST 2 lon Georgescu RO4SUNCRO500123473 OROL 4 11 ROVSOTPV110000014441 RO03 8 3 09 02 2012 TEST 3 lon lonescu RO48BNRB111012340738R 001 4 Step 2 After you complete the data specified in step 1 above delete the the header of the table The first row of the file will be the firsttransfer information the row may not be left empty A B D E F G H 1 8 ROZ OTPV110O0OOD14AA1ROD3 1000 1 09 08 2012 TEST 1 lon Popescu RO0GTREZ43021123401014XX 2 10 RO7ZSOTPV1HOOOOD144AAAROO3 500 2 09 02 2012 TEST 2 lon Georgescu RO49UNCRO500123473 7OROL 3 11 ROZSOTPV110000014441 R003 8 3 09 02 2012 TEST 3 lon lonescu RO48BNRB111012340738R001 zl Step 3 Save the file in txt format In Excel File Save as Save as type select the Text tab delimited txt option This is how the file looks like when you ll open it 30 6 otpbank Romania SA member of otp gro
39. exchange rate service sends the RNB exchange rates immediately after 1 00 p m every day Monday through Friday The notification is only sent on banking days every day when the RNB website has daily updated exchange rates and include the exchange rate for the following day Example the SMS sent by the bank on Friday lists the exchange rates of Monday the SMS sent on Tuesday November 30 lists the exchange rates of Thursday December 2 2 5 Collection payment instruments a Description of the message The message is sent to legal persons who requested this function in their OTPdirekt contract The message is sent to the phone number s specified by the customer in the SMS Annex SMS Alert Collection payment instruments allows you to define a threshold amount of debt instruments over the client will receive an alert If the amount of debt instruments arrived to pay is below the threshold chosen by the customer the alert will not be sent The message contains detailed and sufficient information and provides appropriate assistance to the customer to plan their financial sources as much as possible The notification is valid for the payment instrument received through the electronic payment system promissory note cheque bill of exchange The customer can select up to 4 mobile phone numbers to which the same notification is sent at the same time b SMS format OTPadirekt Date1 Received for payment Instrument type BO CEC Camb
40. h owen MYL he pat Marga ttaart Cash Management Appreeed AE Earl reed dem artesents Up to diie C orraenderseeed Me at Mex Pretest 4 46 Cerreacy Matty aneresas auti lahore fel Len al tue inal y alae ept i j Es 4 i s TY 49 A 1 4 gt att i OE Late Ue jog coraz Fi Ma j 4 1 Lay DU IN TIP m Cash and non cash hars situation hilerwsl rato Acon al PAN keus Cuter TT EE Mh rity hte percentage mamn Ty Dno D GE DORS ZET 1 tore 41 26 Id ID i 37 6 otpbank Romania SA member of otp group 3 8 4 Overdue amounts Here you get information about the following loans and interest overdues overdue fees If you have any debts you are informed about the registered overdues of your loans or of any other commissions The commissions overdues contains all type of commission such as related to loans cards current account or any other types of charges of from a product service contracted at OTP Bank 3 8 5 Insurance policies Edit Accounts Electronic RM Payments Investment portfolio Cash Management Cash and non cash loans situation Overdue amounts investments funds Savings Insurance Policies Sign transactions Insurer No issue date Maturity Insured value lIstalments no Next maturity Next instalime GROUPAMA Cards 1500658 ASIGURARI 18 05 2015 70 000 00EUR 4 18 08 2014 17 13 16 05 2014 Electronic RM SA Settings This section provides i
41. hat will be credited from your account tick the box below Credit 5 A minimum amount will be chosen in order to be notified when the account will be credited 6 Choose the phone number from the list of existing numbers In order to add a new phone number push the button o Modifying and deleting a sms alert 40 6 otpbank Romania SA member of otp group SMS Alerts SC couture ners 1 Chose All Account Control gt t Debt Croat Phone 4 onas i L i number Piati Card Credit You No 1 ROJJOTPV110 ROUI Os He Card control F Account balance BNR exchange rates Q gt Gamishment gt Deposits Maturity haw covers TEE ENE On the right side using the tool button you can change or delete the selected alert gt Card Control Alert o Adding an alert SMS Alerts Configure Alerts Close Al Account Control Card control You will receive an SAWS every time your card or subcard is used for merchant payments cash withdrawals and also when you enter a wrong PIN or there are insufficient funds on the card dk Create Alert Account balance BNR exchange rates New Alert Card Control Gamishment Deposits Maturity Phone number Create Alert Cancel 1 From the drop down list choose the card for which you want to receive sms 2 Choose the phone number from the list of existing numbers In order to add a new p
42. hone number push the button 41 6 otpbank Romania SA member of otp group o Modifying and deleting a sms alert SMS Alerts Configure Alerts Close All Account Control Card control Account Phone number 7 ad 1 5 vk Kt EA OD 5 T92 Phone number nickname Ne Change Delete Account balance BNR exchange rates Garmishment Deposits Maturity Y Configure Alerts CloseAll On the right side using the tool button you can change or delete the selected alert gt Account Balance Alert o Adding an alert SMS Alerts Configure Alerts Close Al Account Control Card control Account balance You will he informed at the start of the day which is the account balance for your chosen account current account saving account or card account and you will know how to plan your cash Create Alert gt Deposits Maturity Frequency Daily Weekly Monthly Phone number Create Alert Cancel 1 Choose the account for which you want to receive sms 42 6 otpbank Romania SA member of otp group 2 Choose the sms frequency 3 Choose the phone number from the list of existing numbers In order to add a new phone number push the button o Modifying and deleting a sms alert SMS Alerts Te a Configure Alerts Close All gt Account Contr
43. iday O on a specific day of the month e g the 30 day of each month If the month is shorter than 30 days the SMS is sent on the last day of the month b SMS format You get an SMS of the following format about your account balance OTPdirekt On Date the balance of your account no Account is Amount Currency c Parameters explanation Date the day when the account balance is sent Date format dd mm yyyy Account reference to the account number to which the balance belongs e g account number RO50OTPV110000000123RO01 is indicated as 50 RO01 Amount the account balance Currency the currency of the account d Message sample OTPdirekt On 04 07 2007 the balance of your account 50 RO01 917 03 RON e Operating time The SMS of the account balance is sent once every weekday Monday through Friday after 08 31 a m Notes v if the day designated for sending the account balance falls on a bank holiday e g December 1 is a Wednesday the bank will send the balance valid at the closing of the previous day in this example the SMS is delivered to the customer on Wednesday morning but with the balance as of Tuesday EOB of course the same balance will be sent on Thursday morning v if the day designated for sending the account balance fallsin a weekend e g the 30th day of a month is a Saturday then no SMS is sent The bank only sends text messages to its customers Monday through Friday v if the
44. ie No Instrument no in the amount of Amount Currency Payment must be effected by Date2 hh mm c Explanation of the parameters Date exchange rate day Exchange rate FCY the exchange rate by currency e g 1 EUR 4 1312 RON Date1 the day when the message Is sent Instrument type the code of the payment instrument referred to in the SMS including BO promissory note CEC cheque Cambie bill of exchange Instrument number The collection payment instrument number e g OT PV3AA0163121 Amount Currency the amount and currency of the collection payment instrument Date2 time hh mm the due date and time for the instrument payment d Message sample OTPdirekt 24 02 2010 BO No OTPV3AA0163121 received for payment in the amount of 999 999 999 99 RON Payment due by 24 02 2010 17 30 e Performing the service The SMS is sent by the bank real time immediately as the collection instrument data are registered in the banking system 2 6 Electronic RM 67 6 otpbank Romania SA member of otp group a Description of the notification The message is sent to legal persons who requested this function in their OTPdirekt contract The message is sent to the phone number s specified by the customer in the SMS Annex The notification informs about the following Liabilities related to loans in progress instalment interests commissions The maturity date of the loan The deposits
45. imes in a row your future attempts are blocked and the error message Connection failed appears on the screen To unlock your password please call the numbers below between 8 30 and 17 30 Monday through Friday 0800 88 22 88 phone call available only from Telekom Romania landline network free of charge OTPBANK 6872265 normal tariff rate from networks of Orange and Vodafone 4 021 308 57 12 international number to call at normal rates If you call the above numbers you can directly talk to an administrator who authenticates you and then unlocks the password 2 Authentication level 2 If you enter the code generated by the physical or virtual token 3 times in a row you will see the error message The token has been disabled after which you cannot complete additional transactions To unlock the authentication level 2 please visit a branch and authenticate yourself and then the transaction interface is unlocked within 24 hours If the token is lost or stolen the bank suspends access to OTPdirekt with the specific token after you authenticate over the Contact Center by phone and then the bank provides you with a new token 71
46. ind the transaction details correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction Click Next to confirm the data and send the transaction for processing OF otpdirekt 1Posts Options Logout Ed Edit Accounts Domestic Payment _ EED om om Domestic Payment Transfer Select Account 2014 5 30 13 3 Foreign Exchange 1 Current accounts 1 v 0 00 RON Foreign Payment N aaa Investments funds Select Template z Savings Amount 3 Sign transactions My Accounts 4 v Cards Account E Electronic RM Name 6 Details 7 Settings Transfer Frequency One Time Transfer Standing Visit the dedicated page OTPdirekt and Save Template 7 Template name 9 find offers Jext Cancel 20 6 otpbank Romania SA member of otp group 3 3 3 Scheduled payments Access the Payments menu by clicking on the sign and choose the Domestic Payment Transfer option Follow the steps described at 1 7 from RON Payments Chapter Select the Standing option in case you what the payment to be processed at a later date then 1 Choose the period for which you want the payment to be processed Saving the datas for a schelduled payment must be made with a banking day before the day that was set as starting day for the payment to be executed 2 Selected the period between you what to exclude the payment to proceed if it is the cas
47. ion debit credit was completed Date format dd mm yyyy transaction amount the amount of the debit credit full value If the account was credited there is a sign in front of the transaction amount For debits a operator is used Currency the currency of the current account Amount the account balance after the debit credit full value 63 6 otpbank Romania SA member of otp group Message sample Account debited account debited after a bank transfer OTPdirekt Account 50 RO01 22 06 2007 Transfer Money order DOK 14 Beneficiary Electrica Bucharest Amount 35 24 RON Balance 254 81 RON account credited by card transaction OTPdirekt Account 50 RO01 29 06 2007 5275 00323 ATM CASH OTP BANK BUKAREST Amount 300 RON Balance 900 14 RON account debited by foreign exchange OTPdirekt 02 07 2007 Account 50 ROO1 Exchange 630 RON 200 EUR at exchange rate 3 15 on day 02 Amount 630 RON Balance 932 03 RON m Credit to the account credit by collection OTPdirekt Account 50 RO01 29 06 2007 Collection of money order 145 Ana Matei countervalue of sum owed Amount 68 03 RON Balance 1371 80 RON after closing a credit deposit OTPdirekt Account 50 RO01 28 06 2007 deposit closed 2532 13 725 RON 01 1100 closing Amount 100 RON Balance 124 81 RON e Operating time The Current Account Control alert
48. it or Cancel to return to the previous transaction Click Next to confirm the data and send the transaction for processing 24 6 otpbank Romania SA member of otp group Accounts Payments Domestic Payment Transfer Foreign Exchange Foreign Payment Investments funds Savings Sign transactions Cards Electronic RM Settings Visit the dedicated page OTPdirekt and find gt internet Banking video demo Foreign Payment EED om Select Account 2014 5 30 15 51 Data Transfer Select Template 2 v Delete OTP Bank Payment Interbank Payment Save Template Amount 3 Beneficiary IBAN 4 SWIFT BIC Beneficiary Bank 6 Bank Address 7 Bank Country bad v Beneficiary 9 Address 10 Country 11 k Statistical code 12 7 Payment no 13 Priority 14 v Transaction Fees 15 v Details 16 A Save Template g 17 3 4 Investments funds menu Cancel This transaction is only available if you have subscribed for the first time in the branch in the certain investment fund Enter the payment details in the mid section of the page 1 From the drop down list select the account from which you want to purchase investment funds 2 Enter the invested amount 25 otpbank Romania SA member of otp group 3 From the drop down list select the fund to which you want to invest Comp
49. lete the transaction e Click Nextto confirm the transaction details e f you find the transaction details correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction e Click Next to confirm the data and send the transaction for processing Accounts Purchase of fund units el LED Investments funds Select Account 2014 5 30 16 26 Savings 1 Current accounts 1 7 0 00 RON Sign transactions Data Transfer Cards ao 3 Electronic RM Name Purchase of fund units Fund 3 T Settings Cancel 3 5 Savings menu 3 5 1 Creating deposits At the Savings menu click the sign and and then select the option Create deposit Enter the deposit details in the mid section of the page 1 From the drop down list select the account from which you want to create the deposit 2 Enter the deposit amount 3 Select the deposit type from the drop down list 4 Select the prolongation type Complete the transaction e Click Next to confirm the transaction details e f you find the transaction details correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction e Click Next to confirm the data and send the transaction for processing 26 6 otpbank Romania SA member of otp group Accounts Create Deposit _ De o Investments funds Select Account 2014 5 30 17 2
50. ls correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction Click Next to confirm the data and send the transaction for processing Accounts Foreign Exchange Se EED smn Oram Domestic Payment Transfer Select Account 2014 5 30 15 12 Foreign Exchange 1 Current accounts 1 7 0 00 RON Foreign Payment Exchange Investments funds ae Destination Account buy 3 Savings Amount 3 7 1 i Exchange Rate Sign transactions Description 4 Cards 5 Electronic RM Cancel Settings 3 3 5 Intrabanking foreign currency payment At the Payments menu click the sign then select the option Foreign payment Enter the payment details in the mid section of the page 1 Select the account from the drop down list from which you would like to make the payment 2 If you have a saved payment template select the specific template name from the drop down list The payment details will be automatically loaded from it If you do not have a payment template click the payment type OTP Bank payment 3 Enter the transferred amount 4 Enter the beneficiary s IBAN account number from the OTP Bank 22 6 otpbank Romania SA member of otp group 5 Enter the beneficiary s name 6 Enter the message for the beneficiary 7 If you want to use the transaction details with
51. name of the POS or ATM operator where the card was used Example OTP Bank Romania Electrica Bucharest iv the terminal ID designating the physical place where the card was used Possible IDs a a text designating the site Example OTP BANK SMB the card was used in the Bucharest branch of OTP Bank b a number that identifies the POS terminal or the ATM where the card was used Example 1656165 d Message sample m Card transaction Cash withdrawal from ATM OTPdirekt Card no 0178 Date 05 07 2007 12 56 54 Amount 50 RON SUCCESSFUL TRANSACTION CASH WITHDRAWAL OTP BANK BUCHAREST RO OTP BANK SMB Card purchases 65 6 otpbank Romania SA member of otp group OTPdirekt Card number 0178 Date 01 07 2007 15 39 38 Amount 3 50 RON SUCCESSFUL TRANSACTION PURCHASE SWEETSHOP RESTAURANT BUKAREST RO 14325018 a Card event Incorrect PIN code OTPdirekt Card number 0178 Date 05 07 2007 12 56 36 INCORRECT PIN CODE PIN CHANGE OTP BANK BUCHAREST RO OTP BANK SMB Insufficient funds OTPdirekt Card number 1354 Date 07 07 2007 16 16 36 INSUFFICIENT FUNDS CASH WITHDRAWAL OTP BANK BUCHAREST RO OTP BANK SMB e Operating time The bank sends the Card Control alert every time the card is used and it is related to an event to which the service applies regardless of the time and location or whether it is a banking day or a banking holiday Under appropriate technical co
52. nditions the customer receives an SMS about the card being used in 2 minutes If the customer subscribes for both the Current Account Control and the Card Control the bank will not send an SMS about the debits following the transactions completed with a card as the information is already included in the Bank Card Control alert 2 4 RNB exchange rate a Description of the notification The RNB exchange rate service automatically sends the exchange rate of the Romanian National Bank Monday through Friday right after 1 00 p m after the official listing is published on the RNB website at www bnr ro as requested by the Customer in the OTPdirect contract The SMS lists the exchange rates for the key currencies e g EUR USD CHF GBP HUF and the notification is sent to the mobile phone number s previously specified by the customer in the contract Up to 4 mobile phones may be specified and they receive the notification at the same time b SMS OTPairekt the RNB official exchange rates on Date are as follows Exchange rate FCY1 Exchange rate FCYn c Parameters explanation Date exchange rate day Exchange rate FCY the exchange rate by currency e g 1 EUR 4 1312 RON d Message sample OTPdirekt On 11 05 2010 the official exchange rates of RNB are 1 EUR 4 1641 RON 1 USD 3 1976 RON 1 GBP 4 7921 RON 1 CHF 2 9208 RON 100 HUF 1 5182 RON e Operating time 66 6 otpbank Romania SA member of otp group The RNB
53. nerated by the token Tohan Virun Topan epnd TT On Ton The token is one of the most secure measures of customer authentication The code generated is valid only for 3 minutes after which a new code must be generated You can alternate between the two authentication methods depending on the items specified in your contract and those you intend to use e g if you have a bank card issued by OTP Bank Romania but you also specified an username in your contract in case you do not have your card with you then you can enter you customer code username and access code If you have two users associated with an account both users are having the same access code upon login regardless of the authentication method i e with or without a bank card After your first login you have to change your access code the system will prompt you to do that so only you will Know the access code If you do not use your bank card for authentication each authorized user receives a separate username upon concluding the contract 3 Menu description Application structure Accounts My accounts History Payments Domestic payment Foreign exchange Foreign payment Investments funds Savings Create deposit My deposits Sign transactions Cards Electronic RM Settings Change Password Personal info Messages 3 1 Main menu 1 After you login to OTPdirekt Internet Banking application you see the following information in the top secti
54. nformation regarding the available insurance policies which insure one or more assets as collateral for a facility granted by OTP Bank Romania The available information is Insurer name Insurance policy and issue date Maturity date Insurance value Installments number Next maturity Next installment amount When the Next instalment amount is 0 00 and the next maturity is the same as the maturity date means that is necessary to renew the policy 3 9 SMS Alerts menu By using this menu you have the possibility to activate or cancel the OTPdirekt SMS Alerts service Also here you can add modify or cancel any type of alert 38 6 otpbank Romania SA member of otp group Detailed informations on a certain type of alert you can see the Chapter 5 OTPdirekt SMS Alerts Accounts Confi i SMS Alerts Configure Alerts Close All Payments gt Account Control Investments funds gt Card control Account balance Savings gt BNR exchange rates Sign transactions Garnishment Cards gt Deposits Maturity Configure Alerts amp Close All Electronic RM SMS alerts SMS alerts Telephone numbers Use the Telephone numbers sub menu to add the phone number for the sms alert Set phone numbers Add Phone Number Phone numer Moe number must have evternatonal format Example fot a mumbar registred
55. ng ROSSOTPY1 10000 ROOD Click Meee for the Indernel Banking Demo Video Last 10 Transaction ter mad selde Posting Date AM Alerts Em arTEesk SO DCL BIBS 129302027874 Lichidare depuat 2532 03 Cortart O Samay CLAMS 1293025250748252 Lichidare depant 1293625 6 otpbank Romania SA member of otp group 3 2 2 Account history At the Accounts menu click the sign then select the option Account history 1 Select the account for which you want to see the history 2 Select the period from the drop down list or enter a start and a end date of a period 3 Use this field if you want to search after a specific transaction detail 4 Use this field if you want to search after a certain status of a transaction processed pending error Accounts Account history iii N 2014 5 30 12 36 History VEELS dT Payments Choose dates Investments funds Savings Sign transactions Details Cards Ch detail 3 Electronic RM Transaction status Chose status type y 4 Settings 3 2 2 1 Account statement Once you completed the steps mentioned above and specified a time period click the Export button immediately under the list of transactions 22 052014 Incasare OP 20140522 RADL 20 00 FT El EN Transfer 74 5 ROM cu data valutei 22 05 2014 1 ER Fed EEN Incasare OP 20140522 RIMIA n ad lems 10 F 1 gt
56. obile network 2 Methods of notification Operating mode Depending on the customer s individual needs OTPdirekt SMS Alerts service can send eight types of alerts Available alert types Account balance Current account control Card control RNB exchange rate Collection payment instruments Electronic RM Deposit maturity Garnishments 2 1 Account balance a Description of the notification The customer receives the balance of the account specified in the contract in a text message The notification is sent to the designated phone number The customer completes the following in the contract concluded for OTPdirekts SMS Alerts service 61 6 otpbank Romania SA member of otp group the account number for which the customer want to be notified you can list any number of accounts the phone numbers to which the notifications will be sent A maximum of 4 mobile phone numbers may be designated for a single bank account The notification is sent to all phone numbers at the same time If you want to receive notification about multiple accounts you can designate different phone numbers for each account the only limitation being that no more than 4 mobile phone numbers may be specified for each account The service can be used to send notifications about a single account to multiple mobile phones frequency of sending SMS messages Options O daily O on a specific day of the week e g every Fr
57. ol gt Card control y Account balance gt 91 HUO1 Weekly ROS1OTPV11C HUO1 Day Wednesday Phone number Change ED 74 US02 Monthly 1 RO740TPV1100 502 Day 28 Phone number Delete Save Changes New Alert gt BNR exchange rates f gt Garnishment Deposits Maturity Configure Alerts 4 Close All On the right side using the tool button you can change or delete the selected alert gt BNR exchange rates Garnishment Deposits Maturity Alerts 43 otpbank Romania SA member of otp group A Cha as 4 SMS Alerts Configure Alerts Close All gt Account Control t gt Card control gt Account balance BNR exchange rates RT You will receive the daily BNR exchange rates from Monday to Friday immediately after 13 00 for the main currencies EUR USD CHF GBP HUF Create Alert Garnishment You are informed in time about your garnishments SMS alert contains information about garnishment amount currency and number of the file Create Alert v Deposits Maturity You will receive an SMS three wa Create Alert Alerta noua Curs BNR Numar telefon Choose the phone number from the list of existing numbers In order to add a new phone number push the button On the right side using the
58. ompleted and its status changes to Processed with succes If you do not have sufficient funds the transaction status changes to Processed with errors Also the system performs a number of validation steps so you cannot initiate a transaction with incorrect data Among other things the system checks whether the account number you specify complies with the IBAN format and also checks the personal ID CNP 2 Customer authentication To use OTPdirekt Internet Banking service first navigate to the OTP Bank website at www otpbank ro then enter your login information as specified in your contract With a bank card Without a bank card card 3 Without card otpdirekt Username Access code Cj Login on the classic internet Banking interface Last 10 digits of card number Mini quide Manual Login Security Username the last 10 digits of the debit credit card Access code 3 digits the first time you log in it is the last 3 digits of your customer code Click the button otpdirekt Client code Username Access code O Login on the classic Internet Banking Mini quide Manual Login Jo l Security Customer code the client code mentioned on the first page of your OTPdirekt contract Username the alphanumeric password you chose upon concluding your contract Access code 3 digits the first time you log in it is the last 3 digits of your customer code Click the button
59. ompleted at a later date In this case follow the steps detailed in the chapter Scheduled payments 9 If you want to use the transaction details with other transactions in the future click the Save Template option name the template and then click the Save template button Complete the transfer e Click Next to confirm the transaction details 6 otpbank Romania SA member of otp group e f you find the transaction details correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction Click Next to confirm the data and send the transaction for processing e mi k otpdire t 1 Posts Options Logout Ed Edit dO Favorites Accounts Domestic Payment as EED om om Domestic Payment Transfer Select Account 2014 5 30 13 3 Foreign Exchange 1 Current accounts 1 T 0 00 RON Ga ae Data Transfer Investments funds Select Template 7 lie Savings e Amount 3 Sign transactions My Accounts 4 T Cards Account 5 Electronic RM Name 6 Details 7 Settings 5 Transfer Frequency One Time Transfer O Standing Visit the dedicated page OTPdirekt and Save Template LJ Template name 9 find offers Cancel 3 3 2 RON Payments At the Payments menu click the sign and then select the option Domestic payments Transfer Ente
60. on for SmartBank is Android version 2 3 with 320 x 480 pixels or iOS v 4 4 2 Managing login information The OTPdirekt contract specifies that you are responsible for the protection of passwords used to login to the service Therefore please do not disclose your password or hand over you token to any person For security reasons we recommend that you change your Acces Code whenever you feel the need or when you suspect some activity that justifies that Once you login to the application you can use all the services granted to you under your OTPdirekt contract Once you complete all the transactions needed click Logout 6 otpbank Romania SA member of otp group Notes If you do not use the service for 15 minutes the system automatically logs you out To use the service you need to log in again 4 3 Information and transaction safety advice OTP Bank Romania has implemented a number of specific measures for the safety of your transactions and privacy In addition to the bank s steps however you as a customer must also take precautions to protect your privacy and bank transactions OTP Bank specifically calls your attention to the following for the safety of your privacy data and your transactions initiated using the OTPdirekt service Privacy data protection Do not tell your OTPdirekt login information to anyone Regularly change your Access Code or whenever you feel it is necessary the system will ask you to do
61. on of the page o time left until the session expires idle time 6 otpbank Romania SA member of otp group o new messages from the bank o updating your contact information o change the language setting o to speed up you the process you can customize your menu by clicking on the Edit Favorites option o this is also where you can find the Logout button 2 The main menu items are shown on the left transactional and informational menus 3 The mid section of the page includes the list of your accounts managed by OTP Bank Select one of the following o Account history to view account transactions within a selected period o Domestic payment to get to this transaction in one step o Foreign Exchange to get to the Foreign Exchange function under Payments 4 The lower section displays the list of the last 10 transactions completed regardless of the processing outcome which may be successful failed or in progress If you wish to see the last transactions of the specific bank account select the account number from the list 2 Wekome Popescu lon otpdirekt Gilets Ovies S lopos g OTPdirekt brings you BIGGER interest rates for deposits Accounts Overview All ton core balans t i wim Card de credit wh To NT N de yt TUE Dumpa Payee Accomet hotii py forme Farage AGCMaEr hentry DCL BIBS 1256207187 Dm tm oe Lat care dei 77 too pe OT BIBS 1798277 Leth re tare d pi
62. ort RODLOTPY1 10000635640R003 Credit card account incomes Q Month sep 2014 M impon transactions history F Expenses 0 ates Month sep 2014 To import account transactions please check Import Transactions History ATTENTION Importing transactions accounts can be made for a period of maxim three months and can take a few moments Or by using the button User Import accounts and cards and choosing an account Connect Accounts Select the accounts you wish to monitor ROD40OTPV1 10000635840R003 T Ceid account O gt C impon transactions history 7 Also you can add cash transactions income and expenses with the help of button 47 otpbank Romania SA member of otp group EE ra co New Transaction Detads 3 Data MG ON 014 Amount 3 Category Sak category ol G Tag Uncalegornsed gt Where fields have the following meaning lt will be chosen if the nature of the transaction is income lt will be chosen if the nature of the transaction is expense To be completed with the description of that transaction Choose the date on which the transaction it was made To be completed with the transaction amount lt will be chosen one of the existing categories Thus each transaction will be categorized for ease of management of income and expenses For a secondary categorization it shall be completed Tag field with one of the user options 8 Press the Save Button EE N A N
63. other transactions in the future click the Save template option name the payment template and then click the Save template button Complete the transaction e Click Nextto confirm the transaction details e f you find the transaction details correct click the Next button If some of the data are not correct click Back to edit or Cancel to return to the previous transaction e Click Next to confirm the data and send the transaction for processing Accounts Foreign Payment ser EED oom Domestic Payment Transfer Select Account 2014 5 30 15 51 Foreign Exchange Account 1 Foreign Payment Data Transfer Investments funds Select Template 2 Delete Savings Sign transactions Interbank Payment Cards Amount Electronic RM Beneficiary IBAN Settings Beneficiary Details 6 a Visit the dedicated Save Template 7 5 page OTPdirekt and find gt Anew login interface 3 3 6 Interbank foreign currency payment At the Payments menu click the sign then select the option Foreign payment Enter the payment details in the mid section of the page 1 Select the account from the drop down list from which you would like to make the payment 23 otp bank Romania SA member of otp group 2 If you have a
64. ption only for account credits The customer can also specify a limit above which the SMS alert is sent If the amount debited is lower than the limit specified the bank does not send a notification Using this notification you are informed about the account movements enabling you to have real time control over your account This notification is primarily for information purpose In addition to the amount limit you can specify up to 4 mobile phone numbers to which the bank will send the notification at once If you want to receive notification about multiple accounts you can designate different phone numbers for each account the only limitation being that no more than 4 mobile phone numbers may be specified for each account The service can be used to send notifications about a single account to multiple mobile phones b SMS format You get an SMS of the following format about the amount credited debited to your account OTPdirekt Account Account Date Transfer description Amount amount of transaction Currency Balance Amount Currency c Parameters explanation Account reference to the account number being credited debited e g account number ROSOOTPV110000000123ROO1 is indicated as 50 ROO1 Transfer description the explanation of the debit credit transaction The text many be up to 70 characters long to fit into the limitations of a standard SMS 160 characters Date the day when the transact
65. r the payment details in the mid section of the page 1 Select the account from the drop down list to which you would like to make the payment 2 If you have a saved payment template or would like to make a payment to a utility company Orange Telekom Romania Communications S A or Harviz Harghita select the specific payment beneficiary name from the drop down list The payment details will be automatically loaded from the selected template In this case you only need to fill the 3 8 and 9 fields 3 Enter the transferred amount 4 This field is only available for transfers between own accounts 6 otpbank Romania SA member of otp group 5 For intrabanking or interbanking payments please enter the beneficiary s IBAN account number Remember that the IBAN code has 24 characters numbers and letters 6 Enter the beneficiary s name 7 Enter the transaction details and the message to the beneficiary 8 Click the option One Time Transfer if you want the transfer to be processed just this time Click the Standing option if you want the transfer to be completed at a later date In this case follow the steps detailed in the chapter Scheduled payments 9 If you want to use the transaction details with other transactions in the future click the Save new template option name the payment template and then click the Save template button Complete the payment e Click Next to confirm the transaction details e f you f
66. re OP hi Data 2609 2014 fr Amount Category Alte veritun Tag Uncategormed Group by Calegoriss LateGores Em m Presentation Chart displays graphically the costs and revenues They can be differentiated using the filter Group By At the bottom you can find the categories that are in the shape of the diagram If you want to return to tabular view please use the button on the bottom right Categories Total No of transachorns Average moont Abo ef ars 350 00 23 En fo All Group ty Categores m Presentation Columns will display graphically costs and revenues They can be differentiated using the filter Group By VA 52 6 otpbank Romania SA member of otp group a All forms of view for costs and income have a filter that helps Filter Reset D to extract certain types i categories per period 1 P 3 1 You can select all transactions a Eiers Wein 2 Youcan select only costs 3 You can select only income 4 4 You can search by transaction description 5 You can select a specific period bom 01 09 2014 6 You can select transactions with a certain tag to 26 09 2014 7 Transactions can be selected from a category Select tags 6 H To reset filters it will be used Reset button Select category 7 58 ROOT 12 95 RON n the main n find th nd income gr r 31 RO02 ve On the main page you can find the costs and income grouped by Category Incomes 40 Month sep 2014 Expenses 18 3 Month sep 2014
67. s required field o amount the transfer amount Mandatory format 9999 99 up to 20 characters required field o document the number of the money order for your own records max 50 characters required field o documentDate the transfer date DD MM YYYY format required field 29 6 otpbank Romania SA member of otp group o paymentDetails transfer s details max 69 characters required field o beneficiaryName the name of the transfer s beneficiary max 34 characters required field o beneficiaryAccount the beneficiary s IBAN account number max 24 characters required field o bank id the ID number of the beneficiary s bank Not required the system automatically imports from the IBAN number recommended to leave empty o bankBranchName only to be completed for treasury transactions with the name of the treasury unit city district county max 34 characters complete only for treasury transactions Otherwise leave empty o beneficiaryCnpCui the beneficiary s personal ID CNP or tax number CUI max 20 characters required field if the beneficiary is a legal person o beneficiaryAddress the beneficiary s address max 34 characters not required field o trezoCodAnaf if the beneficiary is a treasury unit enter a period For all other beneficiaries leave the field empty max 1 character only required if the beneficiary is a treasury unit o transferType
68. se ed eo GE ee EV NE OD Ge GE SG 61 2 Methods of notification Operating MOG sccccssssscccsssssscscssssssssssseses 61 2 1 eli de EL EE N 61 2 2 Current ACCOUNT control ccccccsscrssssscrosssscscsssscsesssscscsssscscsssscsossssscsssssscssseseess 63 23 so ke ie RE E N 64 6 otpbank Romania SA member of otp group Chapter 1 OTPdirekt Contact Center Internet Banking SmartBank and SMS Alerts 1 General information OTP Bank s OTPdirekt service offers fast access to bank s services and products over the phone and through Internet The OTP Bank service includes Contact Center Internet Banking SmartBank and SMS Alerts This guide is for those who plan to use Contact Center Internet Banking SmartBank and SMS Alerts not only for general data queries but also to manage their savings efficiently 2 OTPdirekt users OTPdirekt is offered to individuals and legal persons as long as they have current accounts and sign an OTPdirekt service contract as follows Contact Center via the automated telephone service using a push button phone by following the required authentication steps Internet Banking via the bank s website at www otpbank ro by following the required authentication steps SmartBank via the mobile application OTP SmartBank Romania available in Google Play Store or App Store or via the website m otpbank ro for the rest of the mobiles SMS Alerts b
69. t Account dates S See trii bere tkiar Ronaficiery description 3 1 3 Exchange Complete the fields required for foreign exchange 1 Select the account from which you want to initiate the foreign exchange 2 Select the account in which will be transferred the changed amount 3 Enter the exchanged Tap Next enter the token generated code and tap Next again 57 6 otpbank Romania SA member of otp group Foreign payment Racelved messapes 1 3 1 4 Deposits 1 Select the Deposits menu 2 Tap the button 3 Complete the required fields 3 1 Select the account from which you want to create the deposit 3 2 Select the deposit type 3 3 Select the prolongation type 3 4 Enter the deposit s amount Tap Approve enter the token code and tap Confirm again Confirm operation 58 6 otpbank Romania SA member of otp group Foreign payment Receled messagesid 3 1 5 Intrabanking foreign currency payment 1 Select the Foreign payment menu 2 Complete the required fields 2 1 Select the account from which you would like to make the payment 2 2 Select the beneficiary you can select a beneficiary already defined on OTPdirekt Internet Banking or tap to enter a new beneficiary 2 3 Enter the transferred amount Tap Authorize payment enter the token code and tap Confirm again 3 1 6 Messages received from the bank ag 6 otpbank Romania SA
70. t Center Internet Banking and SmartBank the client has to present in the nearest branch and also to return the token device if is the case 3 3 Authorized users If an OTPdirekt subscriber individual or legal person wants to add other users authorized users to his OTPdirekt service has to visit the nearest branch Likewise canceling the OTPdirekt service is necessary to be presentin the nearest branch and return the token device if is the case 4 Safety elements 4 1 Supported terminals Internet Banking supports the following Internet browsers e Internet Explorer 8 0 e Mozilla 1 7 e Netscape 7 0 e Opera 7 0 e Safari Or any newer versions of the browsers above Optimum screen resolution min 1024 x 768 pixels and 16 bit colour Important To use the Internet Banking application is necessary to activate the JavaScript option in your browser Check activate this option in your browser as follows e Internet Explorer Tools Internet options Security tab Custom level Scripting Active scripting Enable e Mozilla and Netscape Edit Preferences Advanced Scripts amp Plug ins Enable JavaScript for Navigator e Opera Tools Preferences Multimedia Enable JavaScript The communication between the computer and the bank uses an SSL 128 bit encrypted channel The security certificate is supplied by VeriSign http www verisign com one of the world s top providers of Internet security systems The minimum configurati
71. t or you can use the Settings menu of the Internet Banking application the token is one of the most secure methods Ooi customer authentication The code generated is valid only for 3 minutes after which a new code must be generated 3 Benefits of the Contact Center 3 1 Information After you login to OTPdirekt Contact Center you get access to the following financial information current accounts completed transactions account balance deposits cards fees commissions interest rate special information regarding loans offers or any other personal information 3 2 Transaction After you login to OTPdirekt Contact Center you can complete the following transactions Open a current or saving account Open or close a deposit Transfers between accounts in RON or foreign currency Currency exchanges 3 2 1 Opening a current account In order to open a current account you need to specify to the telephone service operator clerk the currency you wish to open your current or savings account Then the bank will provide the IBAN code of the new account opened by the operator 3 2 2 Fixed deposits If you plan to use your available balance from your current account by creating a deposit you have to specify the deposit type from those offered by the bank to the telephone service operator The operator will provide you with information on all deposit types offered by the bank Then you select the deposit typ
72. the sending criteria are fulfilled i e the customer opting for this service received a garnishment on that day Chapter 6 Support 1 General information To improve our services all calls received by our Contact Center are recorded For more information please consult the information below and contact us between 8 30 and 17 30 Monday through Friday 0800 88 22 88 phone call available only from Telekom Romania landline network free of charge OTPBANK 6872265 normal rate from Orange and Vodafone 021 308 57 10 available from all telephone networks including international calls In addition you can email us at office otpbank ro 2 Blocking authentication elements There are certain situations when the OTPdirekt service is not automatically closed and remains logged in for another 15 minutes e g because the customer didn t click the Logout button or because the Internet connection was unexpectedly interrupted In this case the customer sees a Too many sessions in progress error message The customer cannot log into the Internet Banking interface for 15 minutes as long as the session is active Each session remains active for a period of 15 minutes after which it is automatically closed You may enter your password incorrectly when logging in This is what you need to do 1 Authentication level 1 70 6 otpbank Romania SA member of otp group If you enter the wrong password three t
73. tion code displayed on the first page of your OTPdirekt contract Username the alohanumeric password you chose upon concluding your contract Password the 3 digit access code the first time you log in it is the last 3 digits of your client code Starting from your second login you only need your access code to login and the token code for each transaction 6 otpbank Romania SA member of otp group You can alternate between the two authentication methods with our without a card depending on the items specified in your contract and those you intend to use e g if you have a bank card issued by OTP Bank Romania but you also specified an username in your contract in case you do not have your card with you then you can enter you client code username and password Notes Username for the authentication witha bank card the last 10 digits of your bank card the bank card has 16 digits number the last 10 are used within the OTP Bank network for the authentication without a bank card thealphanumeric password available characters letters numbers _ you specified upon concluding your contract The Access code Password is a 3 digit code When you first login the password is the last 3 digits of the IBAN code the 3 digits before the accounts currency code e g IBAN RO420TPV110000047725RO01 so the password access code will be automatically 725 This password is also identical with the last 3 digits
74. tool button you can change or delete the selected alert 3 10 Settings menu Select the option Change Password to change the access code used for authentication To change your access code type your current access code once and your new access code twice in the appropriate fields and click Save 44 6 otpbank Romania SA member of otp group Accounts Change Password Payments to be the minimum length 3 Investments funds Current Password New Password Savings Re type New Password Sign transactions Cancel Cards Electronic RM Settings Change password Personal info Messages Here you can view the messages and documents received from and sent to the bank If you want to write a message to the bank click the Messages button Accounts My Messages Payments ee Investments funds Savings Sign transactions Messages Documents Write a mesage Cards Electronic RM vee ver Settings 02 02 2014 test Endre Istvan Test Change password Personal info lems 10 Y Messages lt 14 gt Click the Personal info menu option to change your personal details and other elements related to the application The information you enter is stored in the bank s database If you click the Promotions option the bank will send you advertising materials to the specified email addresses 45 otpbank Ro mania SA member of otp group 3 11 MyMentor Menu 3 11
75. unts the order number the beneficiary s full name the amount to transfer the beneficiary s account number and bank the beneficiary s personal ID CNP company registration number tax authority s ANAF code if payment is made to a budgetary account any other information requested by the operator 3 2 4 Foreign exchange You can make a foreign currency exchange between you own accounts The operator will ask you for the account to debit and to credit After you select the accounts and accept the currency exchange rate you need to specify the amount to be exchanged Once you confirm the amount the operator completes the transaction If you do not have a current account in the specific currency you can open one with the operator s help Then you can complete the foreign exchange transaction Chapter 3 OTPdirekt Internet Banking 1 General information 6 otpbank Romania SA member of otp group OTPdirekt Internet Banking is a user friendly application providing up to date account information Using the Internet Banking interactive demo you can test for free all the functionalities offered by this service Please always check the confirmation message after each transaction and also follow the changes in the transaction status After you launch and approve the transaction its status is In progress It means that the transaction is being processed by the bank If you have funds the transaction is c
76. up lal Bookl txt Notepad se ses File Edit Format View Help 8 RO SOTPYLLOOOO014441 R003 1000 1 09 08 2012 TEST 1 Ion Popescu 10 RO SOTPYLLOOOO014441 R003 300 2 09 02 2012 TEST 2 Ion Georges 11 RO SOTPYLLOOOO014441 R003 8 3 09 02 2012 TEST 3 Ion Ionescu e Save the file to the specific target location and with a name that you can easily find when you need to import the file into your Internet Banking service Maximum file size 5 MB Guide to completing the file imported for foreign currency transfer This kind of transfer can be made to customers with account at OTP Bank Romania or other bank No transfer may be imported between own accounts Step 1 f e Open a blank Excel file and enter the following field names in the first row foreigncurrencySymbol payerAccount amount priority paymentMethod transferConfirmation documents commissionsFees SWIFTbeneiiciaryBank beneficiaryAccount beneficiaryName beneficiaryAddress beneficiaryBankCountry beneficiaryBankAddress beneficiaryBank beneficiaryCountryCode partnerCountry details explanation amount statisticalGode explanation amount Example Enter the transaction data in the next row as follows o foreigncurrencySymbol the transfer s currency max 3 characters A Z o payerAccount the IBAN number of the source account max 24 characters 0 9 A Z o amount the transfer amount The number format 9999 99 is required max 20 characters 0 9
77. y selecting one or more available alert types 3 The OTPdirekt service contract To use the OTPdirekt service the OTP Bank customer must sign a contract for the OTPdirekt service at any Romanian OTP branch 3 1 New customers The customer signs the OTPdirekt service contract which provides access to information SMS Alerts and also to transaction management Contact Center Internet Banking and SmartBank By concluding the contract the subscriber for the OTPdirekt service has access to all his bank s accounts managed by OTP Bank Romania S A Accessing to bank s accounts is guaranteed up to the limits specified in the General Terms and Conditions section that accompanies the contract of the OTPdirekt service 3 2 Existing customers lf an OTPdirekt client that has the informational part active SMS Alerts and wants the transactional part Contact Center Internet Banking and SmartBank is necessary to present in the nearest OTP branch in order to mdify his current OT Pdirekt contract lf an OTPdirekt client that has the transactional part Contact Center Internet Banking and SmartBank and wants the informational part SMS Alerts has the possibility to demand this service by sending a message to the bank using the OTPdirekt Internet Banking platform Likewise the OTPdirekt SMS Alerts can be canceled 6 otpbank Romania SA member of otp group In order to cancel the transactional part of the OTPdirekt contract Contrac

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