RAIFFEISEN ONLINE INTERNET BANKING channel USER GUIDE · Raiffeisen ONLINE, Internet banking User...

Raiffeisen ONLINE, Internet banking

User Guide

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“RAIFFEISEN ONLINE”

INTERNET BANKING channel

USER GUIDE


User Guide

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Contents:

1 Initial registration ............................................................................................................. 3

1.1 Offline registration (at a bank counter) .................................................................. 3

1.2 Login ........................................................................................................................... 3

1.3 Account choice .......................................................................................................... 4

1.4 User settings ............................................................................................................... 5

1.4.1 Changing username ............................................................................................. 5

1.4.2 Changing password ............................................................................................. 6

1.5 Means for performing active operations in Raiffeisen Online ................................ 7

1.5.1 Checking for necessary system/technical requirements .................................. 7

1.5.2 Tokens .................................................................................................................... 9

1.5.3 Confirmation of payment orders with an authorization code, sent via SMS

message. ......................................................................................................................... 10

1.6 User sessions ............................................................................................................... 11

2 Using the system ............................................................................................................ 12

2.1 Passive (information) services ................................................................................ 12

2.1.1 Home page ......................................................................................................... 12

2.1.2 Accounts Menu ................................................................................................... 13

2.1.3 Bank Cards Menu............................................................................................... 16

2.1.4 Loans Menu ......................................................................................................... 18

2.1.5 Deposits Menu .................................................................................................... 18

2.1.6 Mutual Funds ....................................................................................................... 22

2.1.7 Menu Declarations and Forms .......................................................................... 23

2.1.8 Messages ............................................................................................................. 25

2.2 Active operations (orders and inquiries) .............................................................. 26

2.2.1 Transfers between registered in Raiffeisen ONLINE accounts ...................... 27

2.2.2 Transfers in Leva ................................................................................................. 28

2.2.3 Transfer order to the budget ............................................................................. 29

2.2.4 Foreign currency transfers ................................................................................. 30

2.2.5 Currency exchange ............................................................................................ 32

2.2.6 Direct Debit ......................................................................................................... 32

2.2.7 Invoices ................................................................................................................ 33

2.2.8 Packet Payments ................................................................................................. 35

2.2.9 Mass Payments ................................................................................................... 36

2.2.10 Archive .............................................................................................................. 36

2.2.11 Payment order templates ................................................................................. 37

2.2.12 Beneficiaries ..................................................................................................... 38

3 Data export .................................................................................................................... 43


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1 Initial registration

In order to use the service Raiffeisen ONLINE you must be a client of Raiffeisenbank and must

have a client’s number.

1.1 Offline registration (at a bank counter)

Please, visit one of the offices of the Bank to fill a ”Raiffeisen ONLINE application form”. After

a Bank’s employee registers you in the system, you shall receive an envelope with username

and password for access.

If you have authorized other persons to use the system on your behalf, the envelopes with the

username and password for access shall be received by each user in person.

This service shall be active on the next working day for individuals. For legal entities the

access to the system shall be activated within 3 working days after receiving username and

password.

1.2 Login

In order to login to your online banking account it is required that you visit the main

page of Raiffeisen ONLINE (online.rbb.bg), to enter your username and password,

and to press enter or the login button.


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1.3 Account choice

If you have acquired both individual and corporate account you will be asked to

choose which account to access once you login. In addition, once logged in to one of

your accounts, switching between individual and corporate accounts is only a click

away as shown in the second figure bellow.


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1.4 User settings

1.4.1 Changing username

From the main menu choose Settings/Change username.

Enter the old and the new username in the respective fields

Enter the control number, which is shown below the field

Press the OK button to save the username.


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1.4.2 Changing password

From the main menu choose Settings/Change password.

Enter the old and the new password in the respective fields

Enter the control number, which is shown below the field

Press the OK button to save the new password.


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1.5 Means for performing active operations in Raiffeisen

Online

The users of Raiffeisen ONLINE that are authorized to perform active operations (transfer

orders, credit operations orders, inquiries and other financial transactions) shall sign the active

operations and electronic documents with mobile hardware device token or SMS

authorization.

When using Token (mobile hardware device), after signing and sending the orders, the

sending should be confirmed by a one-time valid code generated by the token. In this way

you are protected even in cases when the security of your computer is compromised, such as

infection by malicious code while browsing the Internet

An alternative to confirmation of payment orders by Token is the SMS authorization. The

confirmation of the payment is made by entering an authorization code, received via SMS on

a phone number you have previously registered in a bank’s office. The SMS message contains

details of the payment – the amount and the last 10 digits of the beneficiary account.

When performing transactions between the accounts of the private individuals (their own

accounts) registered in the system, the authorization of the transfer is done only with the user

name and password. The system will not require authorization code generated by Token or

SMS.

1.5.1 Checking for necessary system/technical requirements

In order to check that you are able to order payments, choose the menu Help and Support

in the main left menu of Raiffeisen ONLINE.

The software component of Microsoft - Capicom is required if you use Internet explorer

browser and want to make payments. By clicking on it you shall verify if it’s installed on your

РС.


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Capicom is not included in the base installation of MS Windows and probably will be

necessary to be installed additionally. The system will try to install the last version of Capicom

automatically, when you open the site Transfers or System Information. The automatic

installation will be successful if you have administration rights on your computer and the

Security Settings on Internet Explorer allow you. In case of not having Capicom, you could

download if from menu System Information or directly install it from the link

http://www.rbb.bg/support/capicom.exe

Important:

Capicom only supports 32 bit and it is important to user 32 bit applications when running

under a 64 bit operating systems.

Important:

In case of using Internet Explorer, you have to define our site URL https://online.rbb.bg as

Trusted site:

Choose the menu item Tools/Internet options/Security, select Trusted sites and press

the button Sites.

Type the address https://online.rbb.bg in the field Add this web site to the zone, then

press the buttons Add and Close. Close the window Internet options by pressing OK.

https://online.rbb.bg/

https://online.rbb.bg/


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1.5.2 Tokens

Definition

The token is a mobile digital device, generating personal one time valid digital codes.

With these codes you confirm active operations in Raiffeisen ONLINE. When sending one or a

group of payment orders the system generates "challenge" and you should enter a "response",

which identifies the user. The system allows sending only if "response" is received, generated

exactly from your personal token.

User’s guide for tokens

The token is activated after the online user registration is confirmed after 1 working day for

private individuals and after 3 days for corporates.

The device is switched on and off by pressing the button ◄ ◄

By activating the token, the client enters his initial PIN, which is received in a PIN-envelope and

then must change it with a new one. The PIN code must consist of four digits.

Initial change of PIN of Token:

Turn on the token by pressing the button ◄

Enter initial PIN

Enter new PIN

Confirm new PIN by entering the new PIN once again

The text “APPLI-“ is shown on the display

Continue according to the instructions “Confirmation of transfer”

You can additionally change your PIN code of your token device in the

following way:

Turn the token on by pressing the◄ button.

Enter your PIN code.

Press and hold the button ◄, so that you enter PIN change mode

Enter new PIN

Confirm new PIN by entering the new PIN once again


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For switch on the token you should press the◄ button and enter your PIN code. The text

”APPLI-” shows on the display. On the place of the "-" symbol, you should enter 3 for order

signing mode.

Payment orders are confirmed on sending level. After choosing the button "Confirm" the system

shows two options: "challenge" and "response".

In the "challenge" field 6-digit code is generated. You must enter this code in the token (after

you have already unlocked your token with your PIN and have selected 3). After entering

"challenge" code, another 8 -digit "response" code is generated from the token. You shall

enter this code in the "Response" field and press "OK"

The time of validity of "Challenge" and "Response" codes are 64 seconds. This means that within

64 seconds you have to provide the correct response code. Otherwise you have to confirm the

sending again and the system will generate a new "challenge" and expect a new "response"

code.

If you enter five wrong PIN codes the token is blocked automatically and you have to visit a

bank office in order to activate it.

Security instruction

You must always change your initial PIN code of the token upon initial activation and never

write it down on the token itself or anywhere else. In cases of loss or suspicion for illegal use of

the token by unauthorized parties, you must immediately inform the Bank in order to have your

token device blocked.

1.5.3 Confirmation of payment orders with an authorization

code, sent via SMS message.

If you want to confirm transactions by using SMS authorization code, you should choose this

option in the Application form for Raiffeisen Online and designate a valid mobile number

provided by a Bulgarian mobile operator.


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When sending the payment order, the system generates and sends SMS authorization code

on the mobile phone number, you have designated. The message contains the authorization

code and details of the payment (or payments).

You should enter the authorization code in the field “SMS TAN” in Raiffeisen online and

should confirm the payment, by clicking “OK”.

The authorization code is valid for 15 minutes.

Important:

Do not try to open other menus of Raiffeisen online system, before you have entered the code

and confirmed the payment. Otherwise the code will become invalid and you have to request

a new code once again and send the payment.

1.6 User sessions

In this menu you shall find reference information about the visits made with your username at

the Raiffeisen ONLINE site.


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2 Using the system

2.1 Passive (information) services

The passive services are information inquiries about your accounts, deposits and loans,

without making transfers and other active operations.

2.1.1 Home page

From the home page you can receive information about your accounts, deposits, cards and

loans. You may also rename your accounts from the button [ ]. You may initiate a new

transfer directly from the table of accounts with the button [ ], or from the new menu for new

transfers located on the left part of the site.

On the home screen you can also view notifications of all transfers, which require additional

attention on your behalf (signing, sending, canceling)


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2.1.2 Accounts Menu

This menu allows you to receive information about the balances and the transactions in your

accounts.

When you choose this menu a screen will open with all your accounts, with IBAN and

current balances. There is an option to select an account and balance for a particular

date. You can also rename your accounts, initiate new transfer and to see total amounts

available.


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If you choose the submenu Movements and specify a period and an account,

information will be shown about the transactions in the account/accounts for the

respective period. The report can be saved in excel, word or xml format, and print

directly.


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In submenu Balances you have availability to access accounts balances for the

respective period. The report can be saved in excel, word or xml format, and print

directly.

If you choose the submenu Statements and specify a period you will be able to see

your accounts stratements in printed or MT940(electronic) type and your SWIFT/SEPA

Statements


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2.1.3 Bank Cards Menu

In Bank Cards menu you can receive information about the balances and the transactions in

card accounts for your debit cards and your credit cards RaiCARD.

If you choose a specific Debit card, a page will appear showing detailed information

for the specific card where you can be informed for the card number, connected

accounts, IBAN, currency and card validity.

If you wish you can see the last 10 movements for the card or to specify relevant

period using the filter. The report can be saved in excel, word or xml format, and print

directly.


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There is an option for downloading statement in PDF format from submenu Statements.

From submenu Credit Card Request you can receive more information about the offered

cards from the Bank and fill in online form for the specific card.


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2.1.4 Loans Menu

In this menu you can find the basic information regarding the loans you have received from

Raiffeisenbank – amount, currency, repaid interest to date, outstanding principal, next

payment, next maturity date, last maturity date for private individuals loans and loan type,

currency, date of contract, limit, exposure, unutilized limit and maturity date for corporate

clients. There is an option for downloading loans statements in PDF format from submenu

Statements.

2.1.5 Deposits Menu

When you choose this menu there shall be shown a table with users’ deposits and information

about the last maturity, next maturity, the principal amount, the accumulated interest, the

interest rate and the interest at the end of the period. You can also view the total amount

available in deposits in one currency or breakdown by currency.

Here you also receive information regarding your waiting requests for opening and/or closing

of a deposit

Note: To be able to open or terminate deposit, the ONLINE user has to use

access with active operations.


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In order to send an application for opening and/or closing a deposit it is necessary:

To mark the check box corresponding to the deposit which you want to send and press the

button “Send”

To sign a declaration for the origin of money (if such is required). The signing is achieved

by pressing the “Declaration” button, after which a new window is opened where it is

necessary to fill out the empty fields and to press the button “OK”.

After that you have to enter your authorization code and press “OK”


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2.1.5.1 Deposit opening

In menu Deposits, Standard term deposits opening you can send a request for

opening a deposit.

From submenu “Promotional deposits opening” you can send a request for opening

promotional deposits.


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You must choose type of deposit, sender, sender account, currency and amount. If the amount

exceeds the defined amount under MAMLA, it is necessary to fill out a declaration for origin

of money.

Attention*: The currency of the deposit must be of same type as the currency of the account.

After choosing an amount, term of the deposit, (way of paying the interest, period of interest

advance payment, account for receiving the interest – only for Deposit+), the same currency

account for crediting, you must press the button “Save” to save the request. To confirm the

request you have to follow the instructions described in section 2.1.5


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2.1.5.2 Terminating a deposit

To terminate a deposit you must enter the menu Deposits, you will see a list with your

deposits with the bank. You must choose the deposit you want to terminate and click the link

“Suspend deposit”.

2.1.5.3 Adding an amount to Deposit+

To add an amount to Deposit+, you must choose the deposit and to press the button

“Adding an amount”.

2.1.6 Mutual Funds

From this menu you have the option of sending an online request for mutual funds or Raiffeisen

Asset Management EAD. Access to this application will have all clients, who have made at

least one paper order in any office of the bank or in the central office of the Management

Company. An order sent by 15:00 of each business day, is processed at the price of the

current date, and any order after 15:00 is processed at the price of the next business day. For

additional information you can contact 02/91985626, 02/91985467


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2.1.7 Menu Declarations and Forms

From this menu you can view the status of all current request you have been sent, you can filter

them by number and date.


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2.1.7.1 Menu Online Statements Subscription

From this menu you can register your accounts in the service Electronic statements. This

registration could be made by every user who has rights to accomplish active operation for at

least one account of the client. By registering for the service, the client agrees to stop receiving

account statements on paper. If the customer is corporate client (legal entity), the Bank will

automatically reduce the account maintenance fee, according to the Tariff of Raiffeisenbank

Bulgaria EAD.


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2.1.8 Messages

In this menu all the messages sent to the online client from the bank are visualized. The

messages could be of informational type [ ], critical [ ] and warning [ ].


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2.2 Active operations (orders and inquiries)

From the main screen of Transfers menu are managed the operations, ordered by you or

other authorized users. The operations waiting for signing or sending are visualized as a list,

and you can additionally filter or search by type, period or counter parties. In case there are

several users, authorized to operate with the client’s accounts and rules for signing, specified

during the registration, the system will allow you to sign and send transfers only if you are

authorized to sign for the account for the specified type of transfer and sum and your

signature is necessary to execute the operation.


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Before confirming and sending the transfer you have the possibility to view the details of the

transfer in a PDF file. Press the link under the details and the transfer opens for review.

2.2.1 Transfers between registered in Raiffeisen ONLINE accounts

You can make transfers between own accounts by selecting the respective accounts from the

opening window. You can make transfer between accounts with different currencies. If the

currencies are different additional field is opening with a course of the day or the option to

choose the negotiated rate.

When you complete the form you have three options: to Save the transfer and send it at later

stage, to Save and Send it directly entering authorization code or to Cancel the transfer by

pressing the corresponding button.


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2.2.2 Transfers in Leva

From this menu you can order transfers in Bulgarian leva (BGN) to your business partners.

The fields for Sender and the Recipient have roll-out menus and you can choose the respective

accounts without typing them.

There is an option to order a transfer in BGN – from an account in foreign currency.

You can save the order as a template and use it for future transfers. The template is saved in

the menu Payment Order Templates. When you fill an order you can load the template

by using the button Load template.

With the button Save you save the order. A message appears “Transfer saved successfully”.

Than you shall press the button Transfers and the details of payment appear in a table. You

have to select the transfer which you want to send with checkbox and press Sign and Send

to send the order to the bank.

When the order is accepted you shall receive the following message: “The order has been

sent successfully.”


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When you order amounts exceeding BGN 30 000 the system will require you to fill the

declaration for origin of the funds.

2.2.3 Transfer order to the budget

Using this menu you can order transfers to budget organizations


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2.2.4 Foreign currency transfers

From here you can order transfers in foreign currency within the country or abroad, from an

account in foreign currency or in BGN. The form has to be filled in Latin letters. The form

contains a declarations according Ordinance 28 of the BNB and Anti money laundry Law

declaration. If you have to submit invoices or other documents you must send the documents

by fax to your bank office.


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2.2.5 Currency exchange

In this menu you can perform transactions of selling and purchasing foreign currency (only

between own accounts) according to the exchange rate of the bank or another exchange rate

negotiated in advance. In case of negotiated exchange rate in the field “Reference” you

should write the name of the dealer’s name who confirmed the exchange rate.

2.2.6 Direct Debit

Using the Direct debit you can make an order for direct debit.


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2.2.7 Invoices

Customers of the service E-Faktura, provided by Bankservice AD could accomplish payments

on the issued invoices directly from the site of Raiffeisen Online. In order to use this service,

the client should choose this option in the Application form for Raiffeisen Online.

It is possible to make payments only in BGN, but the account could be in any currency – BGN

or foreign currency.

All invoices that are confirmed in the site of E-Faktura could be seen and paid from the menu

“Invoices” in Raiffeisen Online. You can choose a period or a Bank client, and you will see

all respective invoices.


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On the screen you will see a table with the main parameters of the invoice and you can see

the whole invoice by clicking on the number of the invoice.

If you click on the “Pay” button, the system will automatically generate payment order with

filled in the invoice parameters.

If the user of Raiffeisen Online has rights to order payment orders from the account, he will

also be able to sign the invoice payment.


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In case one invoice has been paid, if you choose it again, you will see a message on the

screen. This is made in order to avoid second payment of the same invoice.

After the payment is accomplished and the Bank and Bankservice have exchanged the

necessary data, on the site of E-faktura the status of the invoice is updated and then it changes

to “Paid”.

2.2.8 Packet Payments

This type of payment is only for legal entities. Using this menu you can import files with Credit

transfers in BGN and foreign currency, Payment orders to Budget, Direct debit request.

All payments in the packet payment file should be ordered from the same account.

In the field Type of payment you should choose Foreign currency in case you are

importing Foreign currency payment orders and General for all the other type of payments.

In the field File format you have to choose windows-1251 in case the Regional settings

(Windows, Control Panel, Regional settings) on your computer are Bulgarian and

Unicode otherwise.


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Using the option Expand payments you can import and sign all the payments as package

(if you leave check-box empty) or import them as single payment orders, which could be

edited, signed, sent or rejected separately (if you select the option).

2.2.9 Mass Payments

Using this menu you can import files with pay-roll payments in case you have signed a

contract for pay-roll payments with the bank. This type of payment is only for legal entities.

In the field File format you have to choose windows-1251 in case the Regional settings

(Windows, Control Panel, Regional settings) on your computer are Bulgarian and

Unicode otherwise.

2.2.10 Archive

In the menu Archive by choosing the selected period you can see the payments that have

been sent to the bank or the payments that are rejected by the user, their status, date on which

are created and sent, details. With the function “Create like” you can create new payment

order with the data of the existing one in the Archive.


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2.2.11 Payment order templates

In this menu you can preview, edit or delete all the templates you have saved in menu

Transfers.


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2.2.12 Beneficiaries

In this menu you can make a register of your business partners in order to facilitate the input of

payments.

You have the option to transfer a list of business partners from the electronic banking system

ELBA to Raiffeisen ONLINE.

2.2.12.1 Instruction for transferring database with beneficiaries from

ELBA (Multicash) to Raiffeisen ONLINE


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Important: In order to transfer the list with beneficiaries from the Bulgarian local payments

module of Multicash, the version of module BGD, with which you work, it must be not lower

than 3.20.002 (the first IBAN compatible version, installed in June 2006). You can check

which version you work with from the main module of Multicash, menu “Help ->

Information”:

I. Preparation for export of counterparties (beneficiaries) from Multicash:

а) Download the file Config_export.zip from List of counterparties->

Instructions for transferring counterparties from Multicash->

Configuration files for Multicash and save it in any directory on your computer.

Decompress it and extract from it the configuration files, defining the export of

counterparties from Multicash in the necessary format - Benef_INT.WVD и

Benef_BGI.WVD.

b) Copy:

Benef_BGI.WVD in RBB\BGDWIN\DAT

Benef_INT.WVD in RBB\MT100WIN\DAT,

where RBB is the installation folder of Multicash.

II. Transferring the counterparties (beneficiaries) list from the local payment

module (BGD) to Raiffeisen ONLINE.

a) Export from Multicash

Start the module for local payments (BGD). Choose the menu Functions -> Export

(If you do not see the menu Functions, you can choose the same command from

Administrated -> Import/Export, Export execution)

The following display appears:


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Choose Export to Raiffeisen ONLINE and press the OK button.

The next display allows you to select an export of only a part of your counterparties,

Choosing criteria to filter.

If you wish to export the full list leave all the fields blank on this screen and press the

button OK.

A display appears which allows you to sort the list of counterparties by preliminarily

chosen criteria.


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Press the button OK

A file is generated, which contains a list of domestic counterparties:

RBB\MCCWIN\DAT\Benef_BGI.TXT

b) Import in Raiffeisen ONLINE:

b.1. In case on the computer, on which you export the list of counterparties from

Multicash the settings in Windows, Control Panel, Regional settings are

Bulgarian (on the time of exporting from Multicash), you can load the generated file

Benef_BGI.TXT directly in Raiffeisen ONLINE.

- In Raiffeisen ONLINE choose the menu Transfers -> Beneficiaries -> Import

file – Domestic beneficiaries.

- From the button Browse choose the file Benef_BGI.TXT, which you have created

from Multicash.

- In the field File format choose windows-1251.

- The field Visible for all authorized persons Yes/No defines whether after the

import of the counterparties’ list, it will be accessible (for use) only for the user (authorized

person), which makes the import, or for all authorized persons.

- Press the button Save.


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b.2. In case on the computer, on which you export the list of counterparties from

Multicash the settings in Windows, Control Panel, Regional settings are

DIFFERENT (NOT Bulgarian) it is necessary to convert the generated from Multicash files in

Unicode format and than to load them in Raiffeisen ONLINE.

For this purpose:

- Open the file Benef_BGI.TXT with Notepad

- Choose File->Save as and save the file with counterparties in Unicode format (as

you choose Unicode in the field “Encoding”).

- You can load the saved file in Unicode format in Raiffeisen ONLINE from the menu

Transfers -> Beneficiaries ->Import from file domestic counterparties as you choose

Unicode in the field File format.


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III. Transferring the list of counterparties from the Foreign payments module

(INT).

а) Export from Multicash.

Start the module for foreign payments (INT). Choose the menu Functions -> Export

executing (If you do not see the menu Functions, choose the menu Administrating

->Import/Export ->Export).

The steps you must follow are the same as when exporting counterparties from BGD module.

The file consisting the list of International counterparties is:

RBB\MCCWIN\DAT\Benef_INT.TXT

b) Import in Raiffeisen ONLINE.

The import of the generated file from Multicash Benef_INT.TXT is made from the menu

Transfers -> Beneficiaries -> Import file – International beneficiaries. The steps

you follow are the same as when importing domestic counterparties.

3 Data export Raiffeisen ONLINE gives you the opportunity to export data in programs: Microsoft Word and

Excel (XP version or newer) and XML.

We wish you pleasant online banking with Raiffeisen ONLINE!

Date of issue

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