HypoNet – E banking – is a service purposed for domestic and foreign natural persons who have their current accounts opened in the Bank. This service provides you with the following:

• access to your accounts 24-hours a day, 7 days in week
• possibility to use this service at any location at which there is Internet access
• payment via Internet
• fast and simple communication with the Bank
• low fees for services
• simple identification via identification tool – token

HypoNet services:

• payment of all kinds of invoices in KM;
• payments per accounts within the Bank and per accounts of other banks;
• purchase and sale of foreign currencies;
• transfer of funds from account onto account;
• overview and control of executed orders;
• insight into statements per Visa Revolving and MasterCard;
• oreign natural persons have insight only into changes per their accounts with no option for orders' creation;
• you have also the possibility through HypoNet application for natural persons to trade with securities - „ e-trading“ service

Fees for using the HypoNet services

Just as the Bank has to be completely sure that the users who access the accounts in the Bank are exactly those ones as they introduce themselves to be, so you have to be also sure that the system which you access is exactly the system of our bank.
For this purpose, the Bank uses a certificate, which has been issued to us by world known leading company in the field of communication via Internet – company Verisign.
In order to be sure that your data cannot be electronically intercepted on their way to the Bank's servers, the so-called SSL protocol is used for transfer of data meaning that all the data under transfer are protected with the state-of-the-art 128-bit encryption.

Almost the most important security segment is identification of users. The Bank has to know the user for a fact; and likewise the user has to be sure that nobody else can present themselves instead of him/her and run business on his/her behalf.

A token is used for identification which generates one-off password in process of every logging into application. Every time the token is started, the value of password is different and it is not possible to predict the future value.
The already used one-off passwords are not allowed to be used again.
In addition to the token, a smart card (SmartCard) can be also used for identification at which a digital certificate is stored.