CIB Internet Bank

This service is available through the website of the Bank, and provides customers the opportunity to transact banking and/or investment (securities) business, and to utilize auxiliary banking services (customize, settings, leasing) online.

CIB Internet Bank service is available for those resident customers who own a bank account at CIB Bank, such as private individuals, private entrepreneurs and corporates for foreign customers such as private individuals and corporates and for resident private individuals having Settlement Account (e.g.: Credit card or Shopping card account), but having no bank account. 
Customers can choose from four service packages (Enquiry, Basic, Card and Full). In order to perform investment transactions the client must have an investment account contract with CIB Securities Ltd.

Taking into consideration different client requirements we created four service packages (Enquiry, Basic, Card and Full) with extra attention to security features.

• The „Enquiry service package” enables account information enquiry
• The „Full package” provides a complete range of services.
• The „Basic package” (over the functionality of Card and Inquiry package) enables HUF book transfers but does not include transfer functions.

In case you have CIB Internet Bank and mobilCIB you may use them solely with the same type of service package relating to an account.

The application for the service may be initiated:

• Via CIB24 or
• Personally at a branch.

Only personal or private-entrepreneur customers with a Telephone Identification Code may apply via CIB24, the contract confirmation will be sent via mail by the Bank.

Corporate customers can conclude contract in any branch by person.

The Bank accepts and handles orders submitted via the Internet Bank in the same way it accepts and handles written instructions. Payments, transfers, term deposits and amendments to instructions initiated within CIB Internet Bank are executed within the back-office systems without delay, 24 hours a day, 7 days a week. It is a straightforward matter to check whether an instruction has been executed. For example, in the case of cashing in a deposit, the freed-up balance can be transferred, invested, or drawn on a bankcard within seconds, even at 4 a.m. There are deadlines for the acceptance of other Internet Bank instructions.

At login you need to enter your user ID and your standard secret password or the one time password generated by the Token or the #withKEY function of the CIB Bank mobile application.

In case of normal secret password at first login your password is the same as your user ID, and you must change this password at login.

In order to use the system you must activate your user ID.

In case of password generated by the Token before logging in you must give the PIN code of the Token. After that in order to use the system you must activate your user ID.

• private individuals having Telephone Identification Code (T-PIN Code) by calling CIB24 non-stop call centre (except the User is unable to utilize any service that requires identification by T-PIN Code, or if he is hindered by his physical state in utilizing any service that requires identification by T-PIN Code) or by filling out an Activation form at the branch
• corporates having T-PIN Code by calling CIB24 non-stop call centre or by filling out an Activation form in writing

In case User authorization is activated in writing, activation takes place within one Banking workday from the Bank’s receipt of such written request.

If you have been granted user authorization for transacting banking or investment business for more than one customer account you will need to select your user identity after logging in. If you have mobilCIB service and you activated yourself as a user log-in into the Internet Bank takes place by using the user identifier and normal secret password or one time password generated by the Token, you apply for mobilCIB log-in. At the same time only one system can be used.

In some cases immediately after the transaction takes place. In other cases it depends on transaction deadlines or trading times, details of which you will be informed of via the confirmation screen.

CIB Bank offers Internet bank access itself free of charge for private clients and sole entrepreneurs. In case of corporate customers - depending on the account package -  one-off registration fee is charged. All transaction charges are lower via Internet Bank than via branches or CIB24.

Internet Bank provides a 24-hour service. In connection with systems maintenance or upgrades, minor breaks in service may occur, notice of which will always be given on the Internet Bank homepage and the website of CIB Bank.