User Guide & Frequently Asked Questions - Online Banking
Contents
1. e Review the Payment Summary details and print them if required To amend any details click the Back tab otherwise click the Submit tab 27 How to format a CHAPS payment in Internet Banking Actions Page l From Account 3916001 CURRENT ACCOUMT 150 417 32 Details of Payment Amount to Debit Brief Details of Payment 1 PRO FORMA INV 459 Amount to Pay 17567 54 Brief Details of Payment 2 DATED 17 11 12 Requested Value Date 26 11 2012 Brief Details of Payment 3 Eg Gear Next gt Page 1 of 3 e Select the Payment option from the side menu e Select the account that you would like to debit by choosing an account number in the From Account drop down box Mandatory e Insert to amount that you would like to pay in the Amount to Debit field or alternatively insert the amount you would like to pay in the Amount to pay field Mandatory choose one e Select the value date that you would like to make the payment by selecting a value date from the Requested Value Date drop down box Mandatory e Select GBP from the Payment Currency drop down menu Mandatory e Insert details of the payment in the Brief Details of Payment 1 2 3 4 field At lease one of these fields must be filled Mandatory e Click the Next tab Template l ENECTNNNN Beneficiary Details Bank Details Beneficiary Name IPHEONTX DEVELPOMENTS PLC Bank SWIFT BIC y m Beneficiary IBAN 08562314 Bank Sort Code 50 Eo fo1 Bs2. etail e Beneficiary Name PHEONIX DEVELPOMENTS PLC Beneficiary 98562314 Beneficiary Line 1 17 BISHOPS PLACE Beneficiary Line 2 LIVERPOOL LIl3 4HJ Beneficiary Line 3 Bank Details Bank LLOYDS TSB BANK PLC Bank Address 1 CHEAPSIDE 303183 Bank Address 2 Bank SWIFT BIC Sorting Code 309183 Intermediary Detail Intermediary SWIFI BIC Intermediary Sorting Code Intermediary Account Intermediary Bank Name Intermediary Bank Addr 1 Intermediary Bank Addr 2 29 e Review the Payment Summary details and print them if required To amend any details click the Back tab otherwise click the Submit tab How to format a foreign payment in Internet Banking including payments in GBP Important For transfers to countries in the European Union EU the European Economic Area EEA or to Bahrain Monaco Switzerland and United Arab Emirates UAE you will need to quote a SWIFT BIC code and an IBAN this replaces the account number If you do not quote these details your payment will be rejected You can read more information about IBAN later in this user guide For the rest of the world the SWIFT BIC code of beneficiary bank is needed nb some banks do not have a SWIFT BIC code in this case details can be typed manually in the Bank Name and Address fields Actions Example 1 1 Currency Balanoe From Accoun
3. A Though our correspondent bank network we can effect foreign transfers in numerous currencies to overseas banks worldwide All our foreign payments are effected by SWIFT which is a highly secure international financial messaging system Q How long will a foreign payment take to arrive A If you ask us to make a payment in Euro to a bank in the EEA the payment will reach the other bank no later than the next working day after we have received your payment instruction The bank receiving the payment from us is required by law to pay it into its customer s account on the day it receives the payment from us if it is received within their cut off time Please note that cut off times do vary from bank to bank If you ask us to make a payment in another currency or to an account at a bank outside the EEA you can ask us for details about how long it will take to arrive We will not be able to control exactly when the payment will be received by the foreign bank This will depend on the banking practice of that country 24 How to format a Faster Payment in Internet Banking Actions Page l Account Name Currency Baane From Account 3916001 CURRENT ACCOUNT GBP 150 417 32 Details of Payment Amount to Debit Brief Details of Payment 1 ils n Requested Valve Date I Clear Next gt e Select the Payment option from the side menu e Select the account that you would like to debit by choosing an account
4. Page 2 of 4 The screen is similar to that of the payment input screen except that it has a field 1L3in which you input a template name The same details are required on the template input as on the payment input screens Click Next to move forward to the next screens Once you have input all the template details you will be presented with a confirmation screen which will display all the details you have input Template John Smith Payment Details 1 Payment Details 2 Payment Details 3 Payment Details 4 Bank SWIFT BIC Sorting Code 773013 Bank Name LLOYDS TSB BANK PLC Bank Address 1 ST GEORGES RD WIMBLEDON 773013 Bank Address 2 If the details are correct then click Create to save the template 15 11 2 DELETE TEMPLATE From the Payment Template screen click on the drop down menu and select the template you wish to work with Click on the Delete button 11 4 page through the template details the layout 5 the same as when you created a template A confirmation message will appear enabling you to check the details you are about to delete Click the Back button to return to the previous page Otherwise click on the Delete button to remove the template Once you have deleted the template a confirmation message will appear Click on the Yes button to continue working with templates or the No button to return to the accounts screen 11 3 EDIT TEMPLATE From the Template menu click on the drop down box and
5. 21 9 2012 88 1 2 Copyright amp 2011 Banco Popolare Click on the From Account drop down box amp Lto select the account your transfer will be made from Click on the To Account drop down box amp 2to select the account your transfer will be made to Brief account information will be displayed next to both accounts Fields amp 3corresponds to the currency of the account that you are paying from to Enter the amount to debit in field 8 amp 4 alternatively the amount to credit in field 87 Enter a brief narrative in field amp 5which will be shown on your account statement Field amp 6displays the currency of the account you are transferring to Enter the amount to credit in field amp 7 alternatively the amount to credit can be filled in field 84 Enter the requested value date in field amp 8 You can click on the Clear button to start the process again Otherwise click on the Next button to proceed to the following screen Nb Banco Popolare shall apply its prevailing reference exchange rate at the time the payment is submitted You can also contact us directly by phone for a quotation on exchange rates for larger amounts The exchange rate applied to a payment will be indicated on your statement and transaction confirmation A confirmation message will be displayed for the transfer Click on the Y es button to input another transaction or click on the No button to return to the Accounts screen
6. 9 SENDING AND RECEIVING CORRESPONDENCE Correspondence Request Dear Sirs Please could you send me a interest statement for October 2011 Thank you Eel 9 1 By clicking the correspondence option correspondence can be sent and received Click field 9 1 to type the correspondence you want to send Click button 9 2 to send the correspondence by secure e mail or click button 9 3 to clear the text 10 AUTHORISING A PAYMENT OR TRANSFER A user can view a list of all payments and transfers awaiting approval by clicking on the Authorisation option in the left hand tool bar es Date 01 12 2011 Payment Waiting MARK USD 1000 shipping 01 12 2011 STROUD 01 12 2011 Payment Waiting Mr MARK 5000 Supreme ship 01 12 2011 STROUD repairs 24 01 2012 Payment Waiting Mr SAMUEL EUR 1000 show boating Itd 24 01 2012 JONES 10 2 10 3 10 4 10 5 10 6 _ Status View Authorise Reject Delete This screen will show several details including the Transaction Type Currency Amount Status and Value Date 11 Select the payment or transfer you wish to work with by clicking on the Transaction Type field 10 1 the transaction will then appear highlighted with a grey bar If you wish to view the authorisation level required for the selected payment then click the Status button 10 2otherwise click the View button 10 3to display the payment in more detail 10 2 Status Capture Date Val
7. e Click on 2 8 List Correspondence to view a list messages to or from the Bank e Click on 2 9 Authorisation to authorise payments e Click on 2 10 Change Password to change your login password e Click on 2 11 Help for contact details if you need assistance e Click on 2 12 Log Outto log out of the system 2 3 VIEWING YOUR ACCOUNTS By clicking the Accounts option you will be able to view a Summary of your accounts All accounts will be listed in account number order and will also include the Account Name Currency and Balance Window 3displays your accounts and provides the following information Account Number Account Name Currency of the account and your current Balance 3 BITE Account number t ABC CUSTOMER PLC LDMN CURRENT ACCOUNT 34916007 ABC CUSTOMER PLC LDM BLOCKED FR Click on the account number 3 Lrelating to the account you wish to work with which will now be highlighted Account number 5916007 4 ACCOUNT DETAILS The account details option allows you to view a selected account in more detail In addition to the Account Name Currency and Balance you can also view the following information Next statement date Statement frequency Credit interest rate Debit interest rate Credit interest accrued Debit interest accrued Interest application frequency Overdraft limit Forward movements Rates Table Account name Currency Balance Mext Statement Day statement Freque
8. holders to decide the degree of access granted to their staff users This can be done when completing the User s Permissions form Q What stops others accessing my account on the system and can balances and information about my account be intercepted by other internet users A Internet Banking employs the latest encryption routines which ensure that the information can only be read by you and Banco Popolare provided that you maintain control of your security credentials user ID password and security token Q Does the system log all transactions for audit trail purposes A Yes Q Can authority to make payments be limited to payees for whom templates exist A Yes this is for the customer to decide when completing the User s Permissions form 20 Q Is the information in Internet Banking stored in a secure fashion A All information is held in accordance with the UK Data Protection Act 1998 please refer to sections 27 and 28 of our General Terms and Conditions Q Where the customer separates the authorities to input and authorise payments how is the status of a payment that has been input but not yet authorised shown in the status field A New Unauthorised Q If the customer has a number of users who input instructions can the authoriser easily identify the user who input the instruction A Yes the user who input the instruction is shown on the authorisation screen Functionality Questions Q Is there any restricti
9. pop up windows emails or web sies should be considere nd Kaudulentand reported nmadisis aly ta tha Helpies receive Such an email us resantad with acres pen Online detaile ten report rimmadiabely 10 the Helpdesk on 44 0120 7726 river Dra not reply bo id amd do mol follow the instructions specified of how genuine the dail er web sibi may look As an additional precaution itis recommen ded to have the 121691 3 n is software nstalled on your Pt E nine Ea CART OU May awe inadvertently leben seinen viri east contact the Halpdesk 44 0 20 7728 94 58 9372 93358 opening hours Sum to Spm Monday t Friday Bank Public Holidays er popolare A View Accounts gt gt 16 2 GENERAL INFORMATION Toolbar 2displays a series of options available on your account k Accounts E Account Details e Click on 2 1 Accounts to display a list of your E Statement current account balances e Click on 2 2 Account Details to display details Mu of a slected account HN MERE e Click on 2 3 Statement to view your statements for the selected account e Click on 2 4 Payment to make a payment Change Password e Click on 2 5 Transfer to make an internal T transfer between your accounts E Log out e Click on 2 6 Correspondence to send a mail to the Bank List Payments List Correspondence e Click on 2 7 List Payments to list payments made from the selected account
10. D 2 For a CHAPS payment the charge code used must be REMITTER 3 For payments in Euro to EU Member States 27 countries Iceland Liechtenstein Norway and Switzerland the charge must be SHARED please see the Information on I BAN section later in this user guide 4 For all other foreign payments including GBP the charge code used should be SHARED however in certain circumstances OUR and BEN codes can be used 35 17 INFORMATION ON IBAN International Bank Account Numbers IBANS are the standard format for account numbers across Europe To ensure all parties involved in European cross border payments gain the benefits available from the use of IBANs European directives have been passed to enforce their use You must provide the beneficiary s IBAN and receiving bank SWIFT BIC Bank Identifier Code for all International Payments in Euros to EU Member States 27 countries see the below list Iceland Liechtenstein Norway and Switzerland in accordance with the European Directives You and your European trading partners may also benefit from reduced charges for payments in Euros between EU Member States if a valid IBAN is quoted in your payment instruction in conjunction with the beneficiary bank s SWIFT BIC When you are the beneficiary of a cross border payment from Europe as well as providing the payer with your IBAN you must also tell them the Banco Popolare SWIFT BIC Bank Identifier Code which is VRBPGB2L This essenti
11. EI Beneficiary Address Line 1 17 BISHOPS PLACE Bank Name LOYDS TSB BANK PLC LIVERPOOL L113 4H ICHEAPSIDE 309183 Intermediary Details Bank SWIFT BIG JS Bank Hame Address Lire 1 Address Line 2 If the payment that you would like to create is an existing template choose the template reference from the Template drop down box otherwise continue as follows Optional Select Remitter from the Charges drop down box Mandatory Select SWIFT from the Priority drop down box Mandatory Type the beneficiary s name in the Beneficiary Name field Mandatory In Beneficiary Details type either the 8 digit UK bank account or the I BAN of the beneficiary in the Beneficiary I BAN field Mandatory Type either the Bank SWIFT BI C code or the Bank Sort Code of the beneficiary s bank and click the grey tab to the right to populate the beneficiary bank s name and address Mandatory Click the Next tab general Details Account Number 3916001 Account Currency Payment Currency Amount 17567 54 Payment Date 26 11 2012 ee Payment Details n Payment Details 1 PRO FORMA INV 455 Payment Details 2 DATED 17 11 12 Payment Details 3 Payment Details Bees Pages Charges Remitter Payee None Priority SWIFT oe
12. S CERAMICS SRL Beneficiary IBAN ITT4WOSOS411700EUR400000097 Beneficiary Line CORSO ITALIANA 15 Beneficiary Line 9012 MILAN Beneficiary Line 3 ITALY eo er PRECARI IE E Te T IR Ban k Det mil BS Bank Name BANCO POPOLARE SOC COOP Bank Address 1 22 Bank Address z ITALY Bank SWIFT BIC BAPPITZZ Sorting Code Ree Detail Intermediary SWIFT BIC Intermediary Sorting Code Intermediary Account Intermediary Bank Name Intermediary Bank Addr 1 Intermediary Bank Addr Z e Review the Payment Summary details and print them if required To amend any details click the Back tab otherwise click the Submit tab 32 Example 2 3916001 v Details of Payment Amount to Debit Amount to Pay Payment Currency Beneficiary Address Line 2 Bank SWIFT BIC Bank Sort Code Account Number Bank Hame Address Line 1 Address Lime 2 33 Erief Details of Payment 4 Bank Details OVERSEAS BANK LIMITED Bank Mane Add General Detaila Account Number 3916001 Account Currency Payment Currency USD Amount 5623 12 Payment Date 26 11 2012 Payment Details 1 POLICY 1245 Payment Details 2 Payment Details 3 Payment Details Charges Payee Princrity Charges Shared Payee None Priority SWIFT Benef
13. To be authorised by User Authoriser New Authorised To be processed by Banco Popolare New Declined Transaction declined by User Authoriser Completed Authorised Transaction Complete Declined Authorised Transaction declined by Banco Popolare Completed Revised Transaction complete with some changes made by Banco Popolare Click on 63 the Back and 4 Next buttons to scroll through if there is more than one page 7 MAKING A PAYMENT Select the Payment option from the left hand tool bar to begin inputting a payment 7 1 3916001 CURRENT ACCOUNT leer Details of Payment requested value Date 24 11 2011 T 2 Brief Details of Payment Currency GBP 7 3 Brief Details of Pay T T Clea Next gt 7 8 Page 1 of3 Copyright amp 2011 Banco Popolare Click on the drop down menu 7 110 select the account you wish to work with Brief account information will be displayed to the right of the drop down menu In field 7 2select the payment date In field 7 3select the payment currency In field 74enter the amount to debit or in Z5enter the amount to pay Window 7 6allows you to enter brief details relating to the payment such as an invoice number of reason for the payment This is a mandatory field 6 Click on the Clear button 7 7to remove the information otherwise click the Next button 7 8to proceed to the following screen If you wish to use an existing payment templ
14. User Guide amp Frequently Asked Questions Banco Popolare S C London Branch hittps iblondion bancopopolare it BANCOPOPOLARE BANKING GROUP P Contents Se ae ee ee ee FE l General NTO Nel MOT 2 Viewing your ACCOUNTS 3 3 Viewing and Printing Account Statements 4 ISIN 5 Making Making a 5 9 Sending and Receiving Correspondnence 11 Authorising a Payment Or 5 11 Payment 14 Changing Password eeeeeeennnnn 17 norte cr 17 carn A E A 18 Frequently Asked Questions eene 19 Payments and 23 Information on IBAN eeem menn 36 1 LOGGING ON Type the following link in your internet browser hittps iblondion bancopopolare it This will take you to window Lwhich is the logging on screen for Internet Banking Click the flag in the top left hand corner to select English or Italian language In field LiLenter your username In field L2enter your password must be greater than 6 characte
15. al code tells the paying Bank that this is the UK Banco Popolare address to receive your funds You will find the IBAN for your Banco Popolare account on your bank statements There is currently no mandatory requirement to use IBANs for Domestic Payments in the UK however for payments in Euro it is recommended that a valid IBAN is always quoted The 27 EU Member States are Austria Belgium Bulgaria the Czech Republic Cyprus Denmark Estonia Finland France Germany Greece Hungary Italy Ireland Latvia Lithuania Luxembourg Malta the Netherlands Poland Portugal Romania Spain Slovakia Slovenia Sweden and the United Kingdom 36
16. ary I BAN field Mandatory Type the sort code of the beneficiary s bank in the Bank Sort Code field and click the grey tab to the right of the last two digits of the sort code to populate the beneficiary bank s name and address Mandatory Click the Next tab 26 Page 3 VACUUM IE IU NEHME eee ene Bal De TA 1 1 BS Account Number 3510001 Account Currency Payment Currency GBP Amount 2 150 00 Payment Date 26 11 2012 Payee Payment Details 1 Inv 1256 Payment Details 2 Payment Details 3 Payment Details 4 Charges Payee Priority Charges Shared Payee None Priority FASTER PHT Beneficiary Detail Beneficiary BM Engineering Ltd Beneficiary IBAN 34554343 Beneficiary Line 1 32 Berkley Way Beneficiary Line 2 London ECIB SAY Beneficiary Line 3 Bank Details Bank Name BARCLAYS BANK PLC Bank Address 1 1 CHUBCHILL PLACE Bank Address 2 Bank SWIFT BIC Sorting Code 200000 SSS De Intermediary SWIFT Intermediary Sorting Code Intermediary Account Intermediary Bank Name Intermediary Bank Addr 1 Intermediary Bank Addr z
17. ate set up on the system click on the Payment Template drop down box 7 9to select a template to use Once a template is selected the remaining details of the payment will be automatically entered so you can proceed to the final summary page If no template exists for the intended input you should select None from the dropdown box and manually complete the payment details ar e9 7 18 D me 7 21 Page 2 of 3 In field 7 1 the name of the beneficiary In field 7 11 the beneficiary s IBAN number In field 7 12 7 1 7 14 you can enter the beneficiary s address Click on the drop down menu 7 15to select the type of charge relating to your payment Click on 7 16 to select priority of the payment Click on 7 17 input the SWIFT BIC of the beneficiary bank or click on 7 18 to input the sort code of the beneficiary bank Click on 7 19 to enter the Intermediary Bank SWIFT BIC or click on 7 20 to enter the Intermediary Bank sort code optional The account number can also be added in 7 21 Click on the Clear button 7 22to start the process again or click the Back button 7 230 return to the previous screen Otherwise click on the Next button 7 24 to proceed to the following page General Details Account 3918001 Account Currency GB F Payment Currency GB F Amount 100 Payment 25 11 2011 Payment Details Payment Details Payment Details Payment Details Payment De
18. button 5 240 view your transactions Transactions for the selected period will be displayed in window 5 To extract your statement to Excel click the Load Excel button 5 3 Microsoft Excel must be installed on your PC for this function to operate 6 LISTING PAYMENTS You are able to view a list of payments and transfers input against a selected account for a specified period using the list payments option Complete the date field GLfor the period you require then click on the Restore List button 62to view your transactions 6 3 6 4 25 NOV 2011 Restore List 6 2 6 1 Input Date ci cy Beneficiary Status Authorisation Statue 1 DEC 2011 1DECZ2011 4808001 850 00 Michael Dobos Salary and New banus Unauthorised 1 DEC 2011 5 DEC 2011 4808001 500 00 Antonio de Travel costs New Luigis Unauthorised 1 DEC 2011 5 2011 4808001 2000 00 Irene Sergey salary New Unauthorised 1 DEC 2011 1DEC 2011 4808001 5000 00 Supreme ship Ship repairs New repairs Unauthorised 1 DEC 2011 1DEC 2011 4808001 10 000 00 prime shipping Bchristmas toys New Unauthorised Copyright 2041 Banca Popolare The List Payments menu displays the following information related to transactions made Input Date Value Date Account Number Amount Currency Beneficiary Reference relating to the payment Status and Authorisation Status The Status and Authorisation Status will be one of the following Staus Authorisation Status New New Unauthorised
19. han six months can be obtained on request from Banco Popolare Q What reporting tools are provided A Individual screen prints can be made locally or account transaction information can be easily downloaded into a spreadsheet for analysis 22 16 PAYMENTS AND FORMATTING This section aims to provide information abount the types of payments that we can send through our internet banking service and how to format them Faster Payments Q What is Faster Payments A The Faster Payments Service FPS is a payments clearing scheme for electronic Sterling payments in the UK Payments submitted within our appropriate cut off times will arrive at the recipient bank on the same day FPS will be used as long as both the sending and the recipient banks are participating in the scheme and the payment amount falls within the scheme limit Currently the maximum single FPS payment amount is GBP 100 000 00 Q How long will a Faster Payment take A Payments sent via the Faster Payments Service should be received on the same day within 24 hours although there is no guarantee of this Some will be available more quickly than others Sending a payment via the Faster Payments Service does not guarantee that the beneficiary account will be credited on the same day Also it should be noted that not all sort codes are eligible for the Faster Payments Service and payments to accounts held at these sort codes will have to be made using CHAPS You can f
20. horisor may delete the payment from the screen pending authorisation by the level 2 authorisor by clicking delete button 10 6 The payment is not deleted just removed from the authorisation screen 10 7 Please enter your authorisation code Clear Cancel To Authorise or Reject a payment you must enter your valid authorisation code on the screen above 10 7 Click on the Clear button if you make a mistake or the Cancel button to return to the authorisation menu Otherwise click on the OK button to confirm your authorisation code The payment or transfer will then be sent to Banco Popolare for processing 13 You can also authorise or reject transactions in the same way by clicking on the corresponding button from the Authorisation menu 11 PAYMENT TEMPLATES 11 1 NEW TEMPLATE Window LLallows you to edit view or delete an existing template or create a new template 11 1 11 2 11 3 11 4 Template ABBEY WOOD TEMPLATE Echt View Delete 11 2 11 2 Beneficiary Name Beneficiary Bene SORT 1a UNITED KINGDOM Brief Details Of Payment 1 Brief Details Of Payment 2 Brief Details Of Payment 3 BEEN Brief Details Of Payment 4 BEEN Back Next Page 2 of 4 14 Click on the New button 1L3to create a template 11 3 a NK soem x _ Brief Details Of Payment 1 Brief Details Of Payment 2 Brief Details Of Payment 3 Brief Details Of Payment 4
21. iciary Mame ACME INSURANCE CO PTE Beneficiary 12387888858 Beneficiary Line 1 34 ORCHARD STREET Beneficiary Line 2 SINGAPORE Beneficiary Line Bank Detaila Bank Name UNITED OVERSEAS BANK LIMITED Bank Address 1 UOVBSGSG Bank Address 2 SINGAPORE Bank SWIFT BIC UOVBSGSG Sorting Code Intermediary Detail Intermediary SWIFT CHASUS33 Intermediary Sorting Code Intermediary Account Intermediary Bank Name JEMORGAN CHASE BANE Intermediary Bank Addr 1 CHASUS33 Intermediary Bank Addr 2 UNITED STATES Notes on payment charges codes SHARED SHA BENEFICIARY BEN and REMITTER OUR are codes ina SWIFT instruction that detail who pays the bank charges relating to a payment SHARED SHA means that you only pay our transfer charge Your payment will be received by the beneficiary net of any correspondent intermediary bank charges The REMITTER OUR instruction means you pay all transfer charges BENEFICIARY BEN means you do not pay any charges All the banks in the payment chain including ourselves will deduct their charges from the payment amount The beneficiary will receive your payment minus all transfer charges 34 When formatting payments in internet banking the following charge codes Should be used 1 For a Faster Payment the charge code used must be SHARE
22. ind out whether a particular bank can receive Faster Payments by checking the sort code checker on the UK Payments Administration formerly APACS http www paymentscouncil org uk resources and publications sort code ch ecker How can guarantee that a payment will be received by the recipient the same day A You will need to arrange for it to be sent as a CHAPS payment but typically there will be a charge for this Please see the section CHAPS Payments for further information Q Can a payment sent via Faster Payments Service be stopped or recalled A No Faster payments cannot be stopped or recalled once the payment has been released You will need to apply directly to the recipient for a refund as the funds will already have been received by them 23 CHAPS Payments Q What is a CHAPS payment A CHAPS is a guaranteed same day payment of cleared funds in the UK It is an electronic bank to bank payment system that guarantees same business day payment Please refer to our General Terms and Conditions for details of our cut off times for CHAPS payments Q What is the CHAPS payment limit A There is no limit for a CHAPS payment Q Can a payment sent via CHAPS be stopped or recalled A No CHAPS payments are irrevocable You will need to contact us if you need to recall a CHAPS payment as the funds will already have been received by the beneficiary Foreign Payments Q What foreign payment services do we provide
23. ing Help Desk Please ring 44 0 20 7726 9469 9472 9468 for help ore amp mall 43 4 17 Click on the link 13 110 email your help request 14 LOGOUT The logout menu allows you to end your session on Internet Banking Are vou sure you want to log out Tes Ho Copyright 2041 Banco Popalare Click on the Yes button 14 1 to confirm the process or click the No button 14 2 to return to the Accounts screen 18 15 FREQUENTLY ASKED QUESTIONS Start up Questions Q How do arrange access to Internet Banking A Please contact our Operations Department who will arrange for the application forms to be sent to you Once these have been returned to us and verified we will arrange access to Internet Banking Q How long will it take to set up A Once you have completed and returned the necessary forms you will be informed of your user D password and provided with a security token You will be able to sign in once your security token is activated by us Service Questions Q Will the Bank s other services still be available if become a user of Internet Banking A All Banco Popolare services will also continue to be available through the usual means of communication including those accessible through Internet Banking At present not all Banco Popolare s full range of services are available through Internet Banking but additional services to those currently offered may become available in the futu
24. l allow user permissions to be set up according to customer instructions so that individual users can view input and or authorise instructions 21 Q When our payment instructions are processed how are the fees applied A The application of any charges if applicable can be set up according to customer requirements but normally the charge for each payment is debited at the time of payment and will be shown as a separate item on the account statement Do have to use Internet Banking for some all of my payment transactions A Yes For security reasons all payment transactions should be submitted via Internet Banking Internet banking payments also attract a reduced payment tariff Q What is the difference between the capture date and the value date A Capture Date Input Date Value Date Payment Date or the date an item is posted on the account for interest and statement purposes Q Does the system indicate when an account would become overdrawn and block further transactions A Internet Banking shows the effect on account balances when entering transactions including a negative balance It does not block the input of a transaction that would overdraw an account However Banco Popolare may decline to process such transactions and will notify you in such circumstances Q How long is information kept on Internet Banking A At present it is planned to hold statement details for six months Customer statements older t
25. ncy CURRENT ACCOUNT 150 620 66 11 30 2011 Monthly Credit Interest Rate Debit Interest Rate Credit Interest Accrued Debit Interest Accrued Interest Application Frequency 0 00000000 2 50000000 0 143 34 Monthly Forward Movements COwveradraft Limit 350000 Copyright 2011 Banco Popolare Forward movements this field displays all transactions on your Banco Popolare account which are for future value dates These transactions are not represented in the current balance field until their respective value dates You can change the selected account at any time by clicking on the dropdown list 41 3916001 5 VIEWING AND PRINTING ACCOUNT STATEMENTS From your accounts list you are able to view and print account statements Select the account for which you wish to see a statement by a single click on the account to highlight it followed by a single click on the statement option on the left hand tool bar Window 5will then be displayed 5 5 1 5 3 eb 2011 Restore List 5 2 View statement in MS Excel Load Excel Date Description Balance BP BALANCE BROUGHT FORWARD 348 125 30 31 OCT 11 Int Applied Ta 310CT11 739 04 348 854 34 OF NOW 11 Bio TEST CLIENT PLC 500 000 00 151 135 66 NOV 11 BARCLAYS BANK LOM 500 00 150 635 66 sio MAINENANCE FEE 15 00 150 620 66 Copyright 2041 Banoo Popolare Complete the date field SLfor the statement period you wish to view then click on the Restore List
26. number in the From Account drop down box Mandatory e Insert to amount that you would like to pay in the Amount to Debit field or alternatively insert the amount you would like to pay in the Amount to pay field Mandatory choose one e Select the value date that you would like to make the payment by selecting a value date from the Requested Value Date drop down box Mandatory e Select GBP from the Payment Currency drop down menu Mandatory e Insert details of the payment in the Brief Details of Payment 1 2 3 4 field At lease one of these fields must be filled Mandatory e Click the Next tab 25 Page 2 Beneficiary Name Beneficiary IBAN MTS Se _ FASTER 57 Beneficiary Details Bank Details ineeri Mt 53 46543333 1 uo po po 88 Beneficiary Address Line 1 32 Berkley Way BARCLAYS BANK PLC Beneficiary Address Line 2 1 CHURCHILL PLACE O Beneficiary Add Bank SWIFT BIC If the payment that you would like to create is an existing template choose the template reference from the Template drop down box otherwise continue as follows Optional Select Shared from the Charges drop down box Mandatory Select Faster Pmt from the Priority drop down box Mandatory In Beneficiary Details type the beneficiary s name in the Beneficiary Name field Mandatory Type the 8 digit UK bank account number of the beneficiary in the Benefici
27. on on the value of the transaction that can put through Internet Banking A There is no restriction on the value of transactions however we may contact you by phone to verify larger payment transactions Q Does Internet Banking restrict the currencies in which payments can be made A Transactions are restricted to the major currencies as published from time to time in which Banco Popolare deals Q What exchange rate will be applied to a payment involving two currencies an exchange payment A Banco Popolare shall apply its prevailing reference exchange rate at the time the payment is submitted You can also contact us directly by phone for a quotation on exchange rates for larger amounts The exchange rate applied to a payment will be indicated on your statement and transaction confirmation Q How long does it take Banco Popolare to action a transaction A We will process payments In line with our payment cut off times for customers as stated in our General Terms and Conditions Q Is there any restriction in Internet Banking to prevent me setting up payments in advance of the payment date A Payments can be submitted up to 5 business days in advance Q Can you limit the value of payments a user is authorised to make through Internet Banking A Controls on the value of transactions can only operate as part of the internal procedures of a customer as they cannot be enforced through Internet Banking Internet Banking wil
28. r Security Questions Q How is internet banking security determined A There are no limitations on the PC s a user can use provided the PC s have the required specification and run the required version of Microsoft Internet Explorer Security is built into Internet Banking through security creditials user 10 passwords and security tokens It is important for customers to enforce procedures to protect that information What will I do or one of my staff forget their password for Internet Banking A In the event that a password is forgotten the individual must contact Banco Popolare for it to be changed The individual will then be telephoned and asked questions on personal information previously supplied to Banco Popolare in order to verify their identity They will then be notified of the new password by e mail which must be changed immediately when they next sign into Internet Banking Can other people see the information enter in a payment instruction A The only people who will be able to view your instructions are those individuals within your organisation authorised to use Internet Banking and Banco Popolare employees who are authorised to comply with your instructions Q Can individual users be given view only permission A Yes this is one of the flexible options available to clients Q Can permission to set up payee details in the payment templates be limited A Yes it is for customers account
29. re Q Will I be able to use the system at any time A Internet Banking is available 24 hours 7days a week If the system is going to be off line for maintenance or other reasons for a significant period of time you will be notified in advance Q What will do if Internet Banking is not available due to systems or communications problems A In the unlikely event that there is a system problem or that you are unable to connect to the internet the normal means of contacting us i e by fax telephone etc will remain available Please note that any payment request must be sent by fax and signed by an authorised signatory Technical Questions What equipment do need to access Banco Popolare London Internet Banking Any recent PC with Windows XP or later or Mac with OS X or later Mobile devices may work but this is not guaranteed Q What software do need to access Banco Popolare London Internet Banking A browser such as Firefox 15 0 1 Internet Explore 8 Google Chrome 22 01229 94 Safari 5 1 5 Opera 12 10 or higher An up to date version is recommended for your security 19 Q Can access Banco Popolare London Internet Banking using other software Internet Banking has not been tested on other browsers and is not compatible with browsers that do not support SSL 256 bit encryption How do I connect to Banco Popolare London Internet Banking Simpy type the URL https iblondon bancopopolare it into your browse
30. ress Line 1 Address Line 2 e f the payment that you would like to create is an existing template choose the template reference from the Template drop down box otherwise continue as follows Optional e Select SHARED from the Charges drop down box Mandatory e Select SWIFT from the Priority drop down box Mandatory e Type the beneficiary s name in the Beneficiary Name field Mandatory e n Beneficiary Details type the IBAN of the beneficiary in the Beneficiary I BAN field or type the beneficiary s bank account number Mandatory e Type Bank SWIFT BIC code of the beneficiary s bank and click the grey tab to the right to populate the beneficiary bank s name and address Mandatory e Intermediary bank also sometimes known a correspondent bank details can be typed in Intermediary Details Type the Bank SWIFT BI C code of the intermediary bank and click the grey tab to the right to populate the beneficiary bank s name and address Optional e Click the Next tab 3l Page 3 ee bea ee Account Number 3918001 Account Currency Payment Currency EUR Amount 1357 23 Payment Date 26 11 2012 Payment Details 1 INVOICE A345 DATED 01 10 12 Payment Details 2 Payment Details 3 Payment Details 4 Charges Payee Priarity Charges Shared Payee None Priority SWIFT Se Beneficiary Detail Beneficiary Name A
31. rs In fleld L3enter your security token PIN number This can be obtained by pressing the button on your security token once Click on the Log In button L4to access your accounts online Click on the terms and conditions link L5to view the terms and conditions for Internet Banking BANco POPOLARE User Name Password Token 1 4 Log in By logging in you accept the Terms amp Conditions for the use of this web site and our Intern king service Always click Log out after completing your banking and close your browser before leaving your computer unattended WE WILL NEVER EMAIL YOU ASKING YOU TO PROVIDE YOUR LOG IN DETAILS Each Internet Banking user will have a unique set up therefore you may not be able to use all functions outlined in this User Guide Once you have logged on you will be presented with some generic security information and helpdesk contact details Click on the View Accounts button 2 6 to proceed to the next screen iber of banking organisations and their r cenitiy been the target of haan emails and fraudulent web pages which are aimed at gathering the internet account dela of their pe the in sstences have been small bul eee always advise caution before carting wih any personal information sai in mind that Banco Popolare will miser send emails which require customers 1 D d parsanal information er Pop up Tor account ar sec info maian tothe Brough
32. select the template you wish to work with Click on the Edit button 22 1 input your changes the layout is the same as when you created a template A confirmation message will appear enabling you to check the details on the template Click on the Back button to return to the previous screen Otherwise click on the Update button to confirm your changes Click on the Y es button to continue working with templates or the No button to return to the accounts screen 11 4 VIEW TEMPLATE From the Payment Template screen click on the drop down box and select the template you wish to work with Click on the View button and page through the details the layout is the same as when you created a template A confirmation message will appear displaying the details on the template Click on the Finish button and you will be returned to the Payment Template menu 16 12 CHANGING PASSWORD Window 12allows you to change your password for Internet Banking 12 Confirm Replacement Back Clear 12 4 12 5 12 6 Copyright 2011 Banco Popolare In field 12 1 your current password In field 12 2 your new password In field 12 your new password again You can click on the Clear button if you made a mistake or the Back button to return to the Accounts menu Otherwise click on the OK button to confirm your password change 13 HELP Window 13provides assistance for Internet Bank
33. t 3915001 CURRENT ACCOUNT 150 417 32 eer EU A Details of Payment Amount to Debit INVOICE A345 DATED 01 10 12 Amount to Pay _ Deis of Payrent 2 Requested Value Date ref Detais of Payment aa Payment Curency LE Clear Next gt Page 1 of 3 e Select the Payment option from the side menu e Select the account that you would like to debit by choosing an account number inthe From Account drop down box Mandatory e Insert to amount that you would like to pay in the Amount to Debit field or alternatively insert the amount you would like to pay in the Amount to pay field Mandatory choose one e Select the value date that you would like to make the payment by selecting a value date from the Requested Value Date drop down box Mandatory e Select the currency that you would like to pay from the Payment Currency drop down menu Mandatory e Insert details of the payment in the Brief Details of Payment 1 2 3 4 field At lease one of these fields must be filled Mandatory e Click the Next tab 30 Page 2 None v ENCTTEEN S vj S wj Beneficisry Neme RS CERAMICS SRL B Beneficiary IBAN IT74W0503411700EUR 400000097 Bank Sort Code mI Lr Beneficiany Address Lime 1 ORSO ITALIAMA 15 Bank Name BANCO POPOLARE SOC CEE 012 MILAN BAPPIT22 Beneficiary Address Line 3 Address Line 2 zz 1 159 Account Number Bank Name Add
34. tails Charges Payee Priority Charges Shared Payee None Priority NORMAL Beneficiary Detail Beneficiary Name ABC Beneficiary 1233 Beneficiary Line 1 Beneficiary Line 2 Beneficiary Bank Details Bank Name CITIBANK Bank Address l CITIUS33 Bank Address Z UNITED STATES Bank SWIFT BIC CITIUS33 Sorting Code Intermediary Detail Intermediary SWIFT BIC Intermediary Sorting Code Intermediary Account Intermediary Bank Name Intermediary Bank Addr Intermediary Bank Addr 7 26 7 2 li Back Submit Window 7 25gives you the summary of the transaction that has been input Click the Back button 7 26if you want to go back or click the Submit button 7 27 if all payment details appear correct Transaction Details he requested instruction has been recorded successfully Our transaction reference is Z01111250001AB Do you input another transaction 7 284 confirmation message will appear with a transaction reference no A message will appear to say your transaction was successful Click on the Yes button 7 29 to input another transaction or the No button 7 30to return to the Accounts screen 8 MAKING A TRANSFER To input a transfer between two of your accounts select the transfer option from the left hand tool bar Account Name 4808001 EARNINGS ACCOUNT USD 733 234 82 4808002 EARNINGS ACCOUNT EUR 655 974 94 USD 8 3 Tica CUR 8 65 Amount To Debt Amount to Cred ur NO
35. ue Date Transaction Reference Transaction Type Customer Name Account Number Currency Amount Contra currency Currency Amount Status Authorisation Status 12 1 2011 12 04 40 PM 12 1 2011 201112010001AB Internet Banking Payment XYZ SHIPPING CO LTD 4808001 USD 10000 Mew Mew Unauthorised Back Reject Authorise Total Items 36 10 3 View Attribute Name Capture Date Value Date Transaction Reference Transaction Type Customer Name Account Number Currency Amount Contra currency Currency Amount Status Authorisation Status 12 1 2011 12 04 40 PM 12 1 2011 201112010001AB Internet Banking Payment XYZ SHIPPING CO LTD 4808001 USD 10000 Mew New Unauthorised lt Back Reject Authorise Total Items 36 12 If at anytime you wish to authorise a payment you can either click on the Authorise button 10 40n the Item Details screen or the Authorise button on the List Authorisation item screen If at any time you wish to reject the payment then click the Reject button 105 This will however mean the payment if required will need to be re input it cannot be edited and re submitted to the authorisation queue If you have a complex payment authorisation structure for example two authorisations at level 1 and one authorisation at level 2 but there are more than two level 1 authorisers in your company once the relevant level one authorisations have been made the level one aut
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