UniCredit Bank | Online and mobile banking advice

Online and Mobile Banking FAQ page

We have prepared tutorials and a list of frequently asked questions and answers to your questions about online and mobile banking.

Video application guide

Frequently asked questions

I need to use my card to pay a higher amount than usual, where can I adjust the limits?

You can easily set your card limits directly in the app by clicking on the card. You can find step-by-step instructions on how to do this in the attached guide.

Setting and changing daily limits (PDF)

I can't find my card, what should I do?

You can temporarily block/unblock your card by clicking on your card directly in the Smart Banking app. Instructions are attached.

Blocking and unblocking cards (PDF)

I blocked my Smart Banking app. I got a new phone. How can I reactivate my app now?

If you have blocked the Smart Banking app or if you have a new device, or are downloading the app again, you can simply activate it on your new device using your Username and the PIN you chose during the previous activation. In case you have forgotten your details, you can access the app by scanning your ID or we will be happy to help you on our Infoline +420 221 210 031. Instructions are attached.

Smart Banking activation with username and PIN (PDF)

I'm abroad and I'm not getting SMS, what should I do?

We have observed cases when SMS for activation of Smart Banking application was not received abroad (most often within the USA, Canada). SMS delivery abroad is controlled by your phone operator and therefore we cannot prevent this situation. If you are abroad and have not received an SMS, please contact our Infoline +420 221 210 031 where we can help you resolve the situation.

I forgot my card PIN. What should I do?

You can easily collect the PIN for your card in your app by clicking on the card. Instructions are attached.

Displaying the PIN code on the card (PDF)

I did not receive a notification (push notification), what should I do?

In order to use push notifications for logging in and confirming payments, you must have your phone connected to the internet and have notifications enabled, both in the Smart Banking / Smart Key app and in Settings on your mobile phone.

Turn on notifications (push notifications) in the Smart Banking app (PDF)

What is a "password for communication with the bank"?

The password for communication with the bank is a password chosen by you, which is used for your authentication, for example, when you call our Hotline. If you do not remember your password, you can change it in your Smart Banking. Here are instructions on how to do this.

Change password to communicate with the bank (PDF)

Where can I find SMART KEY?

Smart key is available on the initial login screen above the “LOGIN” button.

I already use Online Banking from UniCredit Bank. Can I use both services at the same time?

Yes. In addition, Smart Banking will be there to help you if you need to quickly block your card due to loss, increase your limit for in-store purchases and also activate the U-šetřete discount program, which allows you to get benefits when paying with your card.

I don't have an internet connection on my phone and I haven't received a notification to log into internet banking, how can I log in now?

If you do not have an internet connection, you can use the alternative option of logging in using a QR code (offline), which does not require an internet connection. This option can be found by logging into Smart Key in the Smart Banking app.

I have multiple accounts, can I manage them through one application?

Yes, Smart Banking puts all your current accounts, foreign currency accounts, savings accounts, term deposits, cards, loans and other products at your fingertips.

Can I use the service abroad? Isn't it expensive?

Yes, Smart Banking is also available abroad if your mobile phone is connected to the internet via Wi-fi or data roaming. We don't charge any fees for using the app. You can check roaming charges with your operator.

What happens if I use Smart Banking and then get a new phone? Will I be able to continue using the service?

If you've used the app in the past, you can simply activate it on your new device using your Username and the PIN you chose during the previous activation. In case you have forgotten your details, you can access the app by scanning your ID or we will be happy to help you on our Infoline +420 221 210 031.

What should I do if I change my registered Smart Banking phone number?

Smart Banking is independent of your mobile operator, so it will work with your new phone number (new SIM card). However, you will need to change your phone number to activate the app in the future, as we send an activation SMS to this number. You can change your phone number during Smart Banking activation. If you already have the app active, you can also change your phone number in the MORE - MY PROFILE tab.

Is Smart Banking safe to use?

Yes, Smart Banking uses state-of-the-art security in the form of a security key. This generates a unique time-limited security code at each point in time that protects both logging into the app and sending transactions to the bank. Smart Banking login and payment signatures are protected by PIN, fingerprint or Face ID.

What happens if someone steals my phone or I lose it?

Even in this unpleasant situation, your data and finances are safe - thanks to the security key in the app, no one can access your finances and account without your PIN. The app can then be activated free of charge on your new device. Security is always fully guaranteed.

What happens if I forget to turn off Smart Banking?

For security reasons, the application automatically shuts itself down after 3 minutes and logs out the logged-in user.

What should I do if Smart Banking requires an update?

You probably have a version of the app installed that we no longer support. Simply update Smart Banking to the latest version by clicking the Update button and updating Smart Banking to the most current version in the secure Google Play/AppStore environment.

At the same time, we recommend that you turn on automatic updates for the Smart Banking app in your phone's Settings. This way your phone will update the app regularly and you don't have to worry about anything. This is the safest way to keep the Smart Banking app up-to-date with all the security enhancements and latest features.

Will Smart Banking work on all mobile devices?

The Smart Banking application is supported on all iOS 12.0 and above and Android 5.0 and above mobile phones with Google Play. The Smart Banking application is not supported for Huawei mobile phones that do not have the Google Play store.

Smart Banking application tutorial

ACCOUNTS
In a few seconds you are in the picture of how much money you have available. You now have an overview of all your finances on the new home screen. You can easily view your current accounts, cards, savings accounts or loan products. In addition, you have an immediate overview of how much money you have in the bank in total. If you have more than one account, simply expand them by clicking on the arrow to the right of the product. Don't want anyone to see your current balances? Use the eye icon on the top right of the screen. Just click and all your balances will remain hidden. Click again to make them back visible.
	CARDS
	In the Cards section, you have an immediate overview of your debit and credit cards. You can View your payment card PIN You can see your available balance on each debit card. You can view an overview of the payments made with the relevant card, applying any filter. Changing the daily limits for cash withdrawals, cashless payments or internet payments is a standard feature. Can't find your card or do you believe someone has stolen it? Simply block the card temporarily until you decided to unblock it. If you receive a new card, you can easily activate it in the Cards section. In the Cards section, you can also edit your limits or make a payment on your credit card balance. All you need to do is check the details and confirm the payment.
PAYMENTS
In the Payments section, you can easily and conveniently make a domestic payment or transfer between your own accounts in various currencies. You can save recurring payment templates to make them easier to enter next time or you can repeat a payment made from your account transaction history. You can make payment by scanning a QR code. Payment details can be sent as a PDF document to your e-mail The application also allows you complete control over your standing orders – create, edit or delete a standing order with immediate effect. You can handle topping up your mobile phone with just a few clicks – all you need to do is enter a telephone number and amount. Does your friend owe you for dinner? Generate a QR code in Smart Banking with the data required for the payment and send it to him, for instance, via SMS or WhatsApp. Detailed information on how to pay in the application using various methods is available in the How to work with the application bookmark in the Application Wizard.
	OVERVIEWS
	With the transaction overview, managing your finances has never been easier. In the bottom menu in the “Overviews” section, you can see an overview of your income and spending. This will provide you with an instant overview of what’s up with your finances so you can plan and monitor your budget. Use the transaction overview to see what you spend on. If you find any category inconvenient, you can easily change it and reclassify the income or spending.

Online Banking Guide

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