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PSD2 information

From 14 September 2019 the use of the password generating devices provided by CIB Bank will change in accordance with the European Union’s PSD2 Directive* (hereinafter: “PSD2”).

What is PSD2?

PSD2 is the European Union's second payment directive, which aims to increase the levels of consumer protection and, in particular, to promote competition and innovation in the field of financial services. In relation to the authentication of online payment operations, the PSD2 requires that the given online transaction be confirmed not just with a unique password, but with a safe password that consists of a unique code generated by the details of the given transaction. 

To ensure that you can continue managing your daily finances through our electronic channels after 14 September 2019, please read the following information carefully!

What should I do if I use password-based authentication or a CIB MobileToken / Easy token / Token password generating device?

Access to CIB Internet Bank using only password-based authentication will cease, i.e. in the future you will not even be able to use our electronic channels for making queries. 

If you have any of the above devices or use password identification, make sure you initiate the replacement of the device or request a device (to replace password identification).

From 14 September 2019, you will no longer be able to approve transactions initiated on electronic channels with your CIB mobilToken / Easy Token / Token password generating device, or to log in using password-based identification.

 

CIB Bank’s recommendation for a solution

Each of the following password generating devices comply with PSD2 requirements, allowing you to comprehensively use the following services:

Name of password generating device

Electronic channels accessible with the device

CIB Hard Token

CIB Internet Bank

CIB Bank Online (new internet bank)

CIB Business Online (New Corporate Internet Bank)

#withKEY token (password generating function built into the CIB Bank mobile application)

CIB Internet Bank

CIB Bank Online (new internet bank)

CIB Bank mobile application.

ViCA (innovative application for personal authentication, password generating device, for Android/iOS           smart devices)

CIB Business Online (New Corporate Internet Bank)

 

The use of password generating devices complying with the new regulations are detailed separately:

 

CIB Hard Token

 

CIB Hard Token is the new version of physical tokens. If you have so far used a physical token to confirm your identity, then signing a contract for the new CIB Hard Token is free of charge. You’ll find information on the monthly fee for the CIB Hard Token  in the latest List of Conditions.

 

If you already have a CIB Hard Token, here's how to log in or approve transactions:

 

Logging in to the CIB Internet Bank and the CIB Bank Online channel:

1)    After the start of the service, you must write into the interface the 8-digit user ID, which is contained in the “User Annex” document attached to the contract.
2)    Switch on the CIB Hard Token by clicking on OK, then enter the previously set 4-digit PIN and press OK again.
3)    If you have successfully entered the PIN and you see SELECT on the screen, press button 1 (Login) to generate a 6-character unique code.
4)    Enter the code in the Password field on the CIB Internet Bank or CIB Bank Online interface. 
5)    Select the Login option in the online interface. 


Logging in to the CIB Business Online channel: 

1)    After launching the service, select the Log in with token option in the interface, and enter your user ID which is contained in the User Annex attached to the contract.
2)    Switch on the CIB Hard Token by clicking on OK, then enter the previously set 4-digit PIN and press OK again.
3)    If you have successfully entered the PIN and you see SELECT on the screen, press button 1 (Login) to generate a 6-character unique code.
4)    Enter the code in the Token code field on the CIB Bank Online interface. 
5)    Select the Login option in the online interface. 

 

Approving orders via the CIB Internet Bank:

1)    Enter the details of the order.
2)    Switch on the CIB Hard Token by clicking on OK, then enter the previously set 4-digit PIN and press OK again.
3)    If you have successfully entered the PIN and you see SELECT on the screen, press button 2 (Sign).
4)    Enter the 8-digit Confirmation code displayed on the CIB Internet Bank interface into the CIB Hard Token, then press OK again.
5)    Enter the code generated by the CIB Hard Token in the blank field on the CIB Internet Bank interface! 
6)    Select the OK option on the online interface to sign the transaction.


Signing orders on CIB Business Online:

1)    Enter the details of the order.
2)    Switch on the CIB Hard Token by clicking on OK, then enter the previously set 4-digit PIN and press OK again.
3)    If you have successfully entered the PIN and you see SELECT on the screen, press button 2 (Sign).
4)    Enter the 8-digit Verification Code displayed on the CIB Business Online interface into the CIB Hard Token, then press OK again.
5)    Enter the code generated by the CIB Hard Token into the Signature Code field in the CIB Business Online interface. 
6)    Select the OK option on the online interface to sign the transaction.


Signing orders via the CIB Bank Online internet bank:

1)    Enter the details of the order.
2)    Switch on the CIB Hard Token by clicking on OK, then enter the previously set 4-digit PIN and press OK again.
a.    In case of Pay someone order
i.    If you have successfully entered the PIN and you see the SELECT label on the Hard Token screen, press the button 3 (Pay).
ii.    After pressing OK on the CIB Hard token an entry field marked by a number is displayed. Enter in the first (1) input field the highlighted, last 4 digits of the account number and press OK. 2nd input field is presented, enter the highlighted transaction amount (without decimals) and push OK. A 3rd input field is presented, please leave it empty and push OK. 
iii.    Enter the 8-digit "confirmation code" presented in the CIB Bank Online into CIB Hard Token and press the "OK" button again.
b.    In case of Other functions (e.g. transfer to myself)
i.    If you have successfully entered the PIN code and you see the SELECT label on the Hard Token screen, press the button 1 (Login).
ii.    Enter the 8-digit "confirmation code" presented in the CIB Bank Online into CIB Hard Token and press the "OK" button again.
iii.    Token generates the 8 digit approval code 
c.    Enter the token generated code in the "Token generated password" field on the CIB Bank Online
3)    Once done, enter the 8-digit code displayed on the CIB Hard Token into the interface.
4)    Finally, select the “Approve” option on the online interface to sign the transaction.

 

#withKEY token

 

If you already have a CIB Bank Mobile App, here's how to log in or approve transactions: 

As a first step, update the CIB Bank mobile application to the latest version through the app store. If your CIB Bank mobile application settings are set to automatic updating, this step will not be required.
The update does not require you to delete your registration or uninstall the application.

 

Via the CIB Bank Mobile App: if your device is compatible, you can also use biometric identification (e.g. fingerprinting), otherwise you will need to use a PIN code when logging in and signing orders.

 

Via the CIB Internet Bank: access to this channel is also possible using the password generated by the #withKEY token built into the CIB Bank Mobile App. The verification code required for signing orders arrives in the form of a push (pop-up) message, which you must enter on the interface in the appropriate field.

 

Via the CIB Bank Online internet bank: 
•    Logging on to this channel is also possible using the password generated by the #withKEY token built into the application or by scanning-in a QR code.
•    Signing transactions:
o    If you use CIB Bank Online on the same device as the CIB Bank Mobile App is installed on, the approval of the transactions will take place using a push message. 
o    If you use CIB Bank Online on a different device than the one the CIB Bank Mobile App is installed on, the approval will take place using a QR code, as follows:

1)    After entering the details of the transaction, you will be taken to the confirmation page by clicking the Next button on the summary screen.
2)    Follow the instructions on the screen: go to the #withKEY function on the CIB Bank Mobile App home screen and select Scan QR Code.
3)    Scan the QR code displayed on the CIB Bank Online interface using the device's camera.

 

ViCA (innovative application for personal authentication, password generating device, for Android/iOS    smart devices)

 

If you already have the ViCA application installed, here's how to log in and approve transactions on the CIB Business Online interface:

 

Logging in to the CIB Business Online channel: 

1)    After launching the service, select the Log in with the ViCA application option in the interface, enter your user ID which is contained in the User Annex attached to the contract, and click the Log in button.
2)    Following the instructions, launch the ViCA application on your mobile device.
3)    Your mobile device will receive a push notification, warning you to log in to the ViCA application.
 (If push notifications are switched off on your device or you receive no such message, you can still use the ViCA application.)

4)     After entering the ViCA password, a screen automatically appears showing the name and logo of CIB Bank, with the key data of the login shown underneath:

•    user ID
•    user’s name:
•    time of the start of log-in
5)    You can approve the log-in using the OK button at the bottom of the application, or the cancel the log-in using the Cancel button.


Signing orders on CIB Business Online:

1)    Enter the data of the order, then launch the ViCA application on your mobile device by pressing OK.
You will receive an automatic push notification, warning you to log in to the ViCA application.

2)    After entering the ViCA password, a signature screen appears showing the name and logo of CIB Bank, along with the key data of the order(s) to be signed:

•    order type
•    account to be debited
•    beneficiary’s account number
•    amount
•    item number
•    total value
If you are signing multiple order packages (of various types) simultaneously, ViCA lists the names of the packages, the itemised content of which you can view one by one.

3)    You can approve the signature using the OK button at the bottom of the application, or the cancel the signature using the Cancel button.
 Prior to approval, always review the details of the order.
4)    By pressing the OK button, you don't just sign, but you also concurrently submit the order to the Bank.

5)    If you are signing prepared packages using ViCA, you must also submit the packages to the Bank individually.


Please make sure that you request a PSD2-compliant password generating device before 14 September 2019.

If you have any questions regarding the above, please feel free to contact our 24/7 CIB24 customer service call centre on (+36 1) 4 242 242.

Notices

* Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC

1 If you concurrently manage multiple customer accounts with the same token, you will need to pay the CIB Hard Token monthly fee for each customer account that you manage with the hard token. 
The detailed terms and conditions of the product are set out in the General Corporate Banking Business Regulations, the Specific Business Regulations pertaining to CIB Internet-based Electronic Services, the Specific Business Regulations pertaining to Bank Accounts and Payment Transactions, as well as the CIB Bank Online user manual, and the relevant List of Conditions.

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