User Manual Guide - FUNCTIONALITIES

Allianz E-bank User Manual Guide - FUNCTIONALITIES

User Manual Guide - FUNCTIONALITIES

Internet Banking System – Allianz E-bank

Allianz Bank Bulgaria


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TABLE OF CONTENTS

1. HOME PAGE 3

2. ACCOUNT INFO 4

2.1. BALANCE ENQUIRY 4 2.2. ACCOUNT HISTORY 5 2.3. ACCOUNT OVERVIEW 6 2.4. ACCOUNT TURNOVER 7 2.5. EXCHANGE RATES 7 2.6. LOANS 8 2.7. OFFICIAL STATEMENTS 8 2.8. SEBRA REPORTS 9

3. TRANSFERS 9

3.1. FUNDS TRANSFER BGN 10 3.2. SEBRA PAYMENT 11 3.3. PAYMENT FROM/TO THE BUDGET 12 3.4. DIRECT DEBIT ORDER 13 3.5. INTERBANK FUNDS TRANSFER IN EUR (SEPA, BISERA7) 14 3.6. FUNDS TRANSFER SWIFT 16 3.7. FUNDS TRANSFER INTERNAL 20 3.8. FOREIGN EXCHANGE ORDER 21 3.9. STATISTICAL FORM /100 000 BGN/ 22 3.10. DECLARATION NOI 23 3.11. MASS PAYMENTS (FILE) 24 3.12. PENDING APPROVAL 32 3.13. DOCUMENTS HISTORY 32 3.14. CASH WITHDRAWAL ORDER 33

4. SERVICES 34

4.1. MOBILE OPERATOR MOBILTEL AD (M-TEL) 34 4.2. LANDLINE AND MOBILE TELEPHONE OPERATORS 36 4.3. ELECTRICITY SUPPLY PAYMENTS 37 4.4. INTERNET PROVIDER PAYMENTS 37 4.5. CABLE AND SATELLITE TV PAYMENTS 38 4.6. CENTRAL HEATING PAYMENTS 38 4.7. SECURITY SERVICE PROVIDERS 39 4.8. GAS SUPPLY PAYMENTS 39 4.9. WATER SUPPLY PAYMENTS 39

5. CARDS 40

5.1. CREDIT CARDS STATEMENTS 40 5.2. CARDS REGISTER 41

6. INSURANCE 42

6.1. INSURANCE BILLS 42

7. SAVINGS 42

7.1. SAVING ACCOUNTS 42 7.2. NEW ONLINE SAVINGS ACCOUNT 43 7.3. NEW STANDARD TERM DEPOSIT 44 7.4. NEW DEPOSIT “ALLIANZ COMFORT” 44 7.5. NEW DEPOSIT “ALLIANZ USKORENIE” 45 7.6. NEW DEPOSIT “THREE AHEAD” 46

8. PENSIONS 47


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8.1. PENSION FUNDS 47

9. SETTINGS 48

9.1. ALTER USERNAME 48 9.2. CHANGE PASSWORD 49 9.3. ALTER ACCOUNT ALIAS 49 9.4. SELFREGISTER 49 9.5. SITE VISITS 50 9.6. CHANGE TOKEN PIN 50 9.7. BLOCK TOKEN DEVICE 51 9.8. REGISTER TOKEN DEVICE 53 9.9. SYNC TOKEN DEVICE 53 9.10. MOBILE BANKING REGISTRATION 54

10. REQUESTS 54

10.1. CASH WITHDRAWAL NOTICE 54 10.2. ATM CARD REQUEST 55

11. MAIL 56

11.1. FREE MESSAGE 56 11.2. INBOX MAIL 56


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1. HOME PAGE

Аllianz E-bank Home page is available at the moment you log in the system with your username and password. The Home page provides current information about internet banking issues and other banking products and services:

Short information about all your accounts registered in Allianz E-bank;

Current information about promotions of Allianz Bank Bulgaria products and services;

Latest news and important messages;

Contacts with Allianz Bank Bulgaria – phones and e-mail;

Shortcuts for most frequently used functionalities in Allianz E-bank;

Allianz Bank Bulgaria’s tariff;

Links for important information about electronic products and services – ATM (debit) cards and credit cards, Universal electronic signature, SMS notification and etc.;

Opportunity for giving recommendations for improvement of Allianz E-bank web site;

Frequently asked questions about Allianz E-bank;

Possible error messages in the system and what is their meaning;


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Figure 1

2. ACCOUNT INFO

This menu provides the opportunity to check your balances for the accounts you have registered in Allianz E-bank .

2.1. BALANCE ENQUIRY

This submenu shows all your accounts which are registered in Allianz E-bank and also the products which you use. By clicking on account state you will see details like opening balance, current balance and etc.

The link Daily statement is quick connection to submenu Accounts history and provides information for the last daily transactions for the chosen account.

The link Monthly statement is quick connection to submenu Accounts history and provides information for all monthly transactions for the chosen account from the beginning of the current month until the date the account info has been requested.


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Figure 2

2.2. ACCOUNT HISTORY

This submenu gives you the possibility to view each account’s transaction. Choose the account form the dropping menu.


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Figure 3

Enter period for which you want to receive information and then click on button Show.

You will see the account history in table format view.

Figure 4

You can print or export the data in different formats: TXT, XML, Excel, Excel 97 and SWIFT MT940, by using the icons

/ /.

2.3. ACCOUNT OVERVIEW

In this submenu you can receive information about each your account which is registered in Allianz E-bank : Opening balance – shows the opening balance for the account;


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Current balance – shows the current balance; Available balance – shows the available amount for each account for the moment; Available BGN – shows the available amount in BGN; Overdraft – if there is one; Blocked amounts for each account.

Figure 5

2.4. ACCOUNT TURNOVER

By this menu you will see the daily statement for some account. For receiving the requested information please follow the next steps:

Choose menu Account Info and then choose submenu Account turnover Choose account from the dropping menu Choose date Click on button Show

Figure 6

2.5. EXCHANGE RATES

This menu provides information about the Allianz Bank Bulgaria exchange rates for current or past date.

Enter the currency for which you want information in section Currency. The exchange rates are changing several times per day the window with the currencies has e few rows and each row shows different exchange rate.


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You can receive information for some currency for past date by using the section For data.

Figure 7

2.6. LOANS

In submenu Loans you can see the basic information about the credits you have in Allianz Bank Bulgaria.

By clicking on tab Repayment schedule you will be able to see the details about your repayment schedule. The window Loans provides you information about:

Approved credit amount; Currency; Account; Date of approval; Penalty for defaulted and etc.

Figure 8

2.7. OFFICIAL STATEMENTS

This functionality gives the opportunity for corporate clients to see their monthly statements. This is not automatically activated. The client should request to receive official electronic statements instead of paper statements for its accounts


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in Allianz Bank Bulgaria’s branch office. In addition the monthly tax for maintenance for these accounts will be reduced to 7 BGN.

Figure 9

2.8. SEBRA REPORTS

The SEBRA reports functionality is intended for budget organizations. You can use this functionality to obtain information about ordered SEBRA payments, payment limits, used payment limits and the money amount of ordered payments.

Figure 10

In order to use the functionality you should select the budget steward code from the drop down menu in the “Account” field. After that you should select the desired period for the enquiry from the fields “From date” and “To date” and then you should click on “Show”. After you do that the reports will be visualized for every date of the desired period. In order to read the report for each date you should click on the specific report which you want to read and then open it (it should be selected by default) with Notepad.

3. TRANSFERS

By the different types of transfers in menu Transfers you can create and save payment documents for internal bank transfers in BGN and currency. You can also fill in and send documents according to Bulgarian legislation in force. If there several Users with signing rights for the Clients accounts then the Users can implement their rights according to the rights and limits they were given during the registration process.

There are several functionalities in every transfer (payment) in menu Transfers which make their use easier:


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Templates – you make a template for each transfer (payment) and this way you make the use of the transfers easier.

Save to partners – this functionality allows you to save your beneficiary’s name for easier deal with the payment template.

Payer IBAN – the dropping menu provides opportunity for easy choice of your account.

This functionality provides opportunity for making payments for some future period.

Declaration for the funds used for the following operation (deal) – for amounts bigger than 30000 BGN you

have to fill in the declaration according to Bulgarian legislation in force.

3.1. FUNDS TRANSFER BGN

By the Funds Transfer BGN you can: Order transfers in BGN to non-budget accounts; Save templates of your Funds transfers BGN in case of repeating payments to the same beneficiary. Save only the beneficiary’s name by using the functionality Save to partners and after that you can choose the

beneficiary from the dropping menu Beneficiary’s name. Use different transfer systems (BISERA and RINGS). Save the document in submenu Pending Approval for later signing by using the button Save.


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Figure 11

3.2. SEBRA PAYMENT

You can use the SEBRA payment functionality to issue budget payment orders. This functionality is available only to budget organizations.

Figure 12

After you select the document you will be prompted to fill in the following fields:

Beneficiary's IBAN – you should type in the beneficiary’s IBAN

Please, pay in favor of - Beneficiary – you should type in the name of the beneficiary


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Payment Code – you should select the payment code from the drop down menu which will appear after you click on “Payment Code”. This field is mandatory when the beneficiary is a public receivables’ administrator.

Amount in BGN – you should fill in this field with the amount in BGN

EIK/BULSTAT / Reason of payment – if the beneficiary is a public receivables’ administrator you should type in the EIK/Bulstat number. Otherwise you should fill the field with a short description or a reference code (if you have been provided with one) for the payment so the beneficiary can identify the incoming payment.

EBK Code / Type of obligation – you should type in the EBK code

Type and No of document justifying payment – by default the filed is filled with the code “9” which stands for other payments. You can select the proper code for type of payment by clicking in the field and selecting the proper code from the drop down menu. In the field next to it you should type in the number of the document justifying the payment.

Document date – you should select the date from the calendar which will appear after you click on the little calendar next to the field. Alternatively you can manually type in the date in the dd/mm/yyyy format.

Payment refers to period – you should select the payment period in the “From” and “To” fields.

Budget steward code - you should select the budget steward code from the drop down menu which is activated by clicking on “Budget steward code”.

Sebra Payment Type – you should select the SEBRA payment type from the drop down menu which is activated by clicking in the field.

Activity code – you should type in the activity code in the field.

3.3. PAYMENT FROM/TO THE BUDGET

By Payment form/to the budget you can order transfers in BGN for budget accounts (for paying taxes, customs fee, payments to NHIF (National Health Insurance Funds) and NOI (National Insurance Institute) and etc. You can use Payment from/to the budget as follows: ● You can use the document for multiple row payments from/to the budget when you want to pay up to four your payments (which can be different by type) to one beneficiary budget account. ● You can use the document only for payments to budget accounts. ● You can use the document for making multiple row payments of one liable individual which payments have the same code for payment type but with different details of the payment. ● You can NOT use this document for making payments for different liable individuals. ● You can NOT use this document for payments from/to BNB or to accounts of beneficiaries who are not administrators of public receivables.


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Figure 13

3.4. DIRECT DEBIT ORDER

The direct debit can be realized only if the payer provides authorization for direct debit from payer’s account. The authorization can be given by the force of contract between the payer and you as beneficiary (receiver). The payer’s bank needs authorization (in form of agreement) from the payer. A copy of the agreement will be send to the beneficiary. In case the payer has pointed conditions for executing the direct debit order the bank will authorize the payment only after check and confirmation that the conditions are observed (kept).

By the Direct Debit Order: You can make a request for debiting your counterpart’s account ( you will be the beneficiary –the receiver of the

payment). To save templates of your Direct Debit Orders in case of repeating payments to one counterparty. To save only the beneficiary’s name by using the functionality Save to partners and after that to choose the

beneficiary from the dropping menu Ordering customer. To save the document in submenu Pending Approval for later signing by using the button Save To point future date of execution of the payment which is different from the date that the document is filled in.


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Figure 14

3.5. INTERBANK FUNDS TRANSFER IN EUR (SEPA, BISERA7)

With this functionality you can order funds transfers in EUR to accounts in Bulgarian banks and in banks in the EU. If your account currency is not EUR the money will be converted to EUR at the current exchange rate.

! You have to fill in all data in the document with capital letters in Latin.

The information which you should fill in is grouped in several fields:

Recipient information:

Figure 15

You should fill in the following details:


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Beneficiary’s name – you should fill in the name of the beneficiary.

Recipient’s address – you should fill in the address of the recipient.

Beneficiary’s IBAN – you should fill in the beneficiary’s IBAN.

Country code – you should fill in this field if the beneficiary is a foreign citizen. In order to fill in this field you should click in the field and select the proper country from the drop down menu.

Recipient’s bank information:

You should fill in the following details:

Recipient’s Bank name – you should fill in the name of the recipient’s bank.

Recipient’s Bank Address – you should fill in the address of the recipient’s bank.

BIC – you should fill in the BIC code of the recipient’s bank. This field is automatically filled if the recipient’s bank is in Bulgaria. Otherwise you should fill in this field manually.

Information about the transfer:

You should fill in the following fields:

Amount in the specified currency – the currency of the transfer is EUR.

Details of payment – you should fill in any details on the payment you see fit.

Detail Code for payment – you should select the payment code by clicking in the left field. After that a pop up menu will appear and you can select the payment code from there.

BNB Number – this field should not be filled in unless the payment is due to a financial credit between local and foreign citizen.

ISIN code – this field should not be filled in unless the payment is due to equity trading.


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Sender’s information:

Sender’s Name – the field is filled automatically.

Sender’s IBAN – in order to select the account from which the transfer will be ordered you should click on “Sender’s IBAN” and select the proper account from the list.

Bank code – the field will be filled in automatically after you select the account from which the transfer will be ordered.

Currency - the field will be filled in automatically after you select the account from which the transfer will be ordered.

Information on fees:

The fees are fixed as described in the document and cannot be changed.

Declaration of funds’ origin:

You should fill in this field if the transfer ordered amounts to more than 30 000 BGN or its equivalent in foreign currency.

3.6. FUNDS TRANSFER SWIFT

By Funds Transfer SWIFT you can make payments from your account in BGN or currency in Allianz Bank Bulgaria to account in currency in another bank in Bulgaria or foreign bank.

In case your account in Allianz Bank Bulgaria from which you order the payment is in currency which is different from the currency of the account that will be replenished (credited) then there will be made an exchange of the amount in your currency payment account by trade course (rate) of Allianz Bank Bulgaria at the moment to the currency of beneficiary account.

If the two accounts which take part in the transfer are in some of the following currencies - BGN, CHF, DKK, EUR, GBP, JPY, NOK, SEK, USD, you can use Dealer Rate for the exchange (for foreign exchange order you have to dispose with accounts in the currencies of the exchange). For more information see section 2.6 Foreign Exchange Order.

For more information about the Dealer rate please contact bank’s dealers (see Conditions of Use from section 2.6 Foreign Exchange Order).

! You have to fill in all data in the document with capital letters in Latin.


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In the following section you have to fill in:

Figure 16

Beneficiary’s name – by using the function Save to partners you can save the beneficiary’s name and after that you can choose it from the dropping list in beneficiary’s name;

Address (SWIFT F59 line 3); Beneficiary’s IBAN; In case the beneficiary (the receiver) of the transfer is foreigner (non-resident) you have to fill in

the country. Click on once on the field Beneficiary’s Country Code (for nonresidents only) and after that choose the country from the dropping list;

! Please fill in the beneficiary’s IBAN correctly

Beneficiary’s bank name; Address of the beneficiary’s bank; SWIFT code (BIC); You don’t have to fill in Clearing code ( you have to fill in Clearing code only in case the transfer is

in US dollars and the country of the beneficiary is USA) ; You can fill in the section for the Mediator bank ONLY in case that you are aware of the mediator bank’s data and you want to use that mediator bank for the transfer. If you are NOT aware for mediator bank’s data leave this section empty. Allianz Bank Bulgaria will use its corresponding banks for making the transfer.

Figure 17


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Fill in the Currency and the Amount in specified currency; Fill in Details of payment; In the next section, click on once on the area Detail Code for payment and choose the operation code form the

list. The areas BNB Number and ISIN code has to filled in only in some occasions (for example you fill in BNB Number in case of financial credit between local and foreign individual and you fill in ISIN code in case of equity trading);

Figure 18

Choose account from which you want to make the payment;

Figure 19

Mark who will be the charged parties (charged with the transfer fees). On default sender’s fees are charged from your account and the recipient fees are charged from beneficiary’s account;

By default the value date is two (2) days. If you want, you can mark some of the other two options for faster transfer;

You can save a template of your Funds Transfer SWIFT in case of repeating payments to the same counterparty.


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Figure 20


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Figure 21

3.7. FUNDS TRANSFER INTERNAL

By this document you can: Order currency transfers from account in BGN or foreign currency in Allianz Bank Bulgaria to another account

in BGN or foreign currency in Allianz Bank Bulgaria. In case the two accounts are in two different currencies you can exchange the amount using trade course (rate)

of the Bank at the moment of the exchange. If you want to use Dealer rate for the exchange please see section 3.6 Foreign Exchange Order.


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Figure 22

3.8. FOREIGN EXCHANGE ORDER

Foreign Exchange Order provides you the opportunity for currency exchange between accounts of one client. You can use Standard rate or Dealer rate (for amounts equivalent to no less than 10000.00 BGN) for the exchange. The accounts should be in some of the following currencies: BGN, EUR, USD, GBP, CHF, JPY, DKK, NOK and SEK.

When selling currency in the field “Account debited” select an account, which will sell the indicated number of currency units. In the field “Account credited” select an account which will receive the value of the currency you sold. It is necessary to highlight the “Sell” option.

When buying currency in the field “Account debited” select an account, from which you will buy the specified number of foreign currency. In the field “Account credited” indicate the account on which you enter the purchased number of currency units. It is necessary to highlight the “Buy” option.

Foreign exchange using Standard rate You can see the bank’s exchange rates from menu Account info/submenu Exchange rates. Foreign exchange using Dealer rate

● If you want to use dealer rate you have to contact with bank’s dealer and to receive an offer from the dealer ( see Step 1). ● In case you have received an offer from the dealer but you haven’t filled in the Foreign Exchange Offer reference then the transfer will be made by standard rate. ● The amount of the currency transfer has to be equivalent to and no less than 10000.00 BGN. ● The amount which is filled in the document has to be equal to the amount for which the dealer rate is given. ● If the Foreign Exchange Order is not signed until 18:00 at the day the offer for dealer rate is given then the offer will be canceled.


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For using Dealer rate for Foreign Exchange Order please follow the next steps:

Step 1 Contact with our dealer by using the following telephones: 02/9215 478 и 02/9215 479 every working day (Monday - Tuesday) from 8:30 to 17:00 . Step 2 Deal a rate for buy/sell currency and take the offer’s reference. Step 3 Fill in the document Foreign Exchange Order, mark the option Dealer rate and fill in the reference number which you have received from the bank’s dealer. Step 4 Click on button Sign document for signing the document. If you want to sign the document later then click on button Save (by this way the document will be send to Pending Approval for later signing). Step 5 In case you have saved the document for later signing you have to sign it until 18:00 at the same day (or you will lose the bank’s dealer offer).

Figure 23

3.9. STATISTICAL FORM /100 000 BGN/

According to article 3, paragraph 1 from Regulation № 27 in BNB the replenishment of the statistical form is obligation when:

In case of payments to abroad and the amount is equal or more than 100 000 BGN.

Payments made in the country between local and foreign counterparts and the amount is equal or more than 100 000 BGN.

In case of incomes from abroad and the amount is equal or more than 100 000 BGN.

You can save the document for later signing, you can make a template of the document or to choose future period for execution of the payment.


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Figure 24

3.10. DECLARATION NOI

Declaration NOI has to be filled in and send by the Legal Entity which pays the social securities for salary incomes. According article 7, paragraph 8 from the Compulsory Social Security Code every payment of social securities, cash indemnities and etc. has to be send along with this declaration. The banks can’t make payments for salary, parts of it, cash indemnities and etc. without declaration and payment order from the Legal Entity that all social securities are paid.


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Figure 25

3.11. MASS PAYMENTS (FILE)

By Allianz E-bank you can make and send the following types of mass payments: Mass payment from type Funds Transfer BGN

Purpose – form is prepared for payments between clients who are NOT administrators of public receivables or first/second level spending units. This type of payments can be used for salary payments, payments to suppliers and etc.

3 Mass payment from type Direct Debit Order Purpose – the form is prepared for payments between clients who are NOT administrators of public receivables or first/second level spending units. This type of payments can be used for salary payments, payments to suppliers and etc.

Mass payment from type Payment from/to the budget Purpose - these forms are prepared to be used for: - payments from accounts of administrators of public receivables (accounts with identification starting with 8); -payments to accounts of administrators of public receivables (accounts with identification starting with 8); - payments from accounts of first/second level spending units (accounts with identification starting with 3) for payments which are not made by SEBRA transfer system.

You can choose the type of the encoding– DOS or WINDOWS. You can choose the type of the transfer system BISERA for transfers in BGN or SWIFT for currency transfers. Attach the file for mass payment using button Browse. Click on button Load file.


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Figure 26

3.11.1. Common characteristics of the mass payments The files contain two types of records:

Main (Header )record which contains information about the orderer of the payment; Single record which includes the rest of the necessary information for making the payment

Each one of the record’s sections are separated with the symbol „ ; ”. The common number of the sections in one record which are separated with this symbol “;” has to match with

count of sections which are predicted for the specific format of the mass payment. The symbol “;” has to be written even when there is no obligation for filling in the section. All sections which are obliged to be filled in must contain correct data according to the record format. For pointing the length of the sections you will see below the following marks:

Figure 27

For pointing the type of the sections you will see below the following marks:

Figure 28

You can use symbols which can be maintained by the authorized transfer systems in the country. As a decimal disjunctive sign can be used the symbol „.” (dot). In the sections for filling in amounts it is necessary to be filled in with the disjunctive sign and the fraction part. The existing stages for processing the inputted files for mass payments are kept the same. The existing validity control of the data is also observed to be the same.


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There is new control for data validity according to the processing of the documents according legislation in force.

By Allianz Bank Bulgaria you can send the following types of mass payments:

3.11.2. Payment with Funds transfer BGN and Direct Debit Order

The format is intended for payments between clients who are not administrators of public receivables or first/second level spending units.

Header record

Figure 29

Single record


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Figure 30

Control, values and specifications If the section Payment details starts with code word Personal ID in Bulgarian “ЕГН” then there should be made

a match control between the data following the Personal ID and the personal data in the bank’s system about the holder of the account. The control can be made only for internal bank payments.

The section Date in the header record should be filled in with date equal or previous than the accounting date. The section Date of execution in the single records should be filled in with date equal or previous than the

current accounting date. If the not obligatory sections are not filled in then during the importation process of the mass payment, these

sections will be loaded as follows: For transfer system – BISERA and for payments (from type DP) more than 100 000 BGN - RINGS; For taxes – 002 „shared taxes”; For date of execution – current accounting date

If the mass payment is used for importing payment documents of type Direct Debit order to NOI the section Payment details has to be structured according to Instruction 03-2006 „Making payment documents”.


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3.11.3. Transfer order for Payment from/ to the Budget

The format is intended to be used for the following payments: From accounts of administrators of public receivables (accounts with identification starting with 8); To accounts of administrators of public receivables (accounts with identification starting with 8); From accounts of first/second level spending units (accounts with identification starting with 3) for payments

which are not made by SEBRA;

Header record

Figure 31


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Single record

Figure 32


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Control, values and specifications

If the section Payment Details starts with code word Personal ID in Bulgarian “ЕГН” - then there should be

made a match control between the data following the Personal ID and the personal data in the system about the holder of the account. The control can be made only for internal bank payments.

The section Date in the Header record should be filled in with date equal or previous than the current accounting date.

The section Date of execution in the single records should be filled in with date equal or previous than the current accounting date.

If the not obligatory sections are not filled in then during the importation process of the mass payment, these sections will be loaded as follows:

For transfer system – BISERA and for payments more than 100 000 BGN - RINGS; For taxes – 002 „shared taxes”; For date of execution – current accounting date

If the mass payment is used for importing payment documents of type Direct Debit order to NOI the section Payment Details has to be structured according to Instruction 03-2006 „Making payment documents”.

The section Type and number of the document has to be filled in with at least one position (type of the

document). If the values 2, 3 or 6 are filled in section Type of the document then it has to be filled in and number and date of

the document. If the values 1, 2, 4 or 5 are filled in section Type of the document then it has to be filled in and the sections Start

period and End period. The date filled in section Start period has to be earlier or equal to the date filled in section End period. One of the sections BULSTAT, Personal ID, Personal ID or Passport number of the orderer (for foreigners) must

be filled in. The sections Personal ID and Personal ID or Passport number of the orderer (for foreigners) are alternative –

one of sections has to be empty. The sections Code of payment’s type (both in header and single records) has to be filled in ONLY in case there is

IBAN which identification starts with 8.

The sections Code of payment’s type (both in main and single records) has to be filled in with proper codes according to the identification in the IBAN

3.11.4. Transfer order for Funds transfer SWIFT

This format is used for all foreign currency payments, which take place between two different banking institutions. When creating the file for mass payments the following should be considered:

The charset to be used is Latin, and the encoding should be CP1251;

SWIFT MT103 is used for each separate payment message;

A file should contain at least one payment message;

There is no summary or control message in the file;

There should be no empty lines between the messages;


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When creating the file an interval is considered a symbol;

The format of each message should be as follows:

Field tag Field name Field size

Type of symbols

Commentary Mandatory

20: Sender's Reference 16 C Generated by the sowftware that created the file

Yes

32А: Value Date/Currency/Interbank Settled Amount

6!3!15 C Date format – yymmdd Currency – the three digit currency code is used. Interbank settled ammount – should be specified to the hundredths with a decimal point. No intervals, comas or other symbols should be used.

Yes

50А: Ordering customer: /34 8 or 11 35

C C C

Ordering customer information: 1

st line – IBAN

2nd

line – BIC of the ordering customer’s bank 3

rd line - Name

Yes

56: Intermediary institution 8 or 11 35 35 35 35

C C C C C

1st

line – BIC code 2

nd – 5

th line – name and

address of the bank

No

57А: Account With Institution 8 or 11 35 35

C C C

1st

line – BIC code of beneficiary’s bank 2nd line – name of beneficiary’s bank 3

rd line – address of the

beneficiary’s bank

Yes

59: Beneficiary Customer /34 35 35

C C C

1st

line – beneficiary’s IBAN 2

nd line – beneficiary’s name

3rd

line – beneficiary’s address

Yes

70: Remittance Information 35 35

C C

Up to 2 lines by 35 symbols Yes

71А: Details of Charges 3! C Possible values: OUR – the ordering party accepts all charges SHA – the charges are shared BEN – the beneficiary accepts all charges

Yes

Figure 33


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The following payment message can be used as an example:

:20:12345678 :23B:CRED :32A:120130EUR10.00 :50A:/BG12BUIN12345678901234 BUINBGSF CLIENT :57A:UNCRBGSF BANK NAME SOFIA, BULGARIA :59:/BG12UNCR12345678901234 SENDER SENDER ADDRESS :70: 12345671234567123456712345671234567 12345671234567123456712345671234567 :71A:SHA

*The data in the given example is not real.

3.12. PENDING APPROVAL

From this submenu you can: See a list with all yours filled in payments which are still not signed. Choose a document from the list which you want to sign or to delete a document from the list by putting a tick

in the proper area.

By the filter you can choose account which is connected with unsigned documents.

Figure 34

3.13. DOCUMENTS HISTORY

By the dropping menu Account you can choose account:


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Choose an account from the dropping menu. Choose a period. Choose a status in case you want to limit the search. Choose a document type from the dropping menu. Click on button Show.

Figure 35

3.14. CASH WITHDRAWAL ORDER

By sending this kind of order to the Bank you can:

Make the order for some other person who has been given proper rights by you.

Make a template in case of often repeating payments.

Save the document for later signing by the button Save.

Choose location of the Bank in which the authorized person will receive the amount.

Depending on the currency of your accounts you can make the order in different currency.

After you sign the Cash Withdrawal Order you can print the document from submenu Documents history (you have to find the document there as it as explained in section 3.11 Documents history).


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Figure 36

3.15. DECLARATION OF FUNDS ORIGIN

Figure 37

4. SERVICES

Menu Services helps the Allianz E-bank users to pay their utility bills.

4.1. MOBILE OPERATOR MOBILTEL AD (M-TEL)

By choosing submenu Mobile operator Mobiltel AD (Mtel) you can make payments toward Mobiltel AD. The Bank grants the following services:

4.1.1. Make a payment towards your latest invoice It is necessary to choose the following service: Make a payment towards your latest mobile phone

invoice. Subscribers to MOBILTEL has to fill in their phone numbers and their PIN codes (for both individual and

corporate customers, the PIN code is printed in the upper right section of their current phone bill; additionally, individual customers may obtain their PIN code by sending an SMS to 1590.

You have to click the Check balance button in order the system to visualize the amount of your latest phone bill.


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Figure 38 Choose an IBAN account, from which you want to make the transfer. After you choose one, the Make payment button becomes active. When you click on the Make payment button, the system visualizes a transfer order towards your

mobile operator and you can sign it according to your rights in the system.

Figure 39

4.1.2. Place a security deposit to increase phone credit limit It is necessary to choose the following service: Place a security deposit to increase phone credit limit Choose your mobile operator Fill in your phone number and the amount you want to increase your credit limit with. Choose an IBAN account, from which you want to make the transfer. After you choose one, the Make payment button becomes active. When you click on the Make payment button, the system visualizes a transfer order and you can sign it

according to your rights in the system.


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Figure 40

4.1.3. Add balance to your pre – paid Mobiltel phone card Choose the service: Add balance to your pre – paid phone card Fill in your phone number and the amount you want to add to your balance Choose an IBAN account, from which you want to make the transfer. After you choose one, the Make payment button becomes active. When you click on the Make payment button, the system visualizes a transfer order and you can sign it

according to your rights in the system.

Figure 41

4.2. LANDLINE AND MOBILE TELEPHONE OPERATORS

In order to do a transfer, you have to do the following:

- Choose menu Services, then the submenu with the service you want to pay


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- Choose your utility’s provider

- Fill in your user’s number

- Then click on the Check balance’s button

- The system will visualize the amount of your latest bill

- Choose an IBAN account, from which you want to make the transfer

- After you choose one, the Make payment button becomes active

- When you click on the Make payment button, the system visualizes a transfer order and you can sigh it according to your rights in the system

Important: In each submenu you can see the buttons "Save to partners" and "Select beneficiary". When you choose your provider and fill in your user's number you can press the button "Save to partners". Thus, the next time you enter the system there is no need to to fill again your user's number. You just have to choose the supplier and to press the "Select beneficiary""s button and the system will automatically visualize the needed information.

4.3. ELECTRICITY SUPPLY PAYMENTS











4.4. INTERNET PROVIDER PAYMENTS









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4.5. CABLE AND SATELLITE TV PAYMENTS











4.6. CENTRAL HEATING PAYMENTS










Important: In each submenu you can see the buttons "Save to partners" and "Select beneficiary". When you choose your provider and fill in your user's number you can press the button "Save to partners". Thus, the next time you enter the


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system there is no need to to fill again your user's number. You just have to choose the supplier and to press the "Select beneficiary""s button and the system will automatically visualize the needed information.

4.7. SECURITY SERVICE PROVIDERS











4.8. GAS SUPPLY PAYMENTS











4.9. WATER SUPPLY PAYMENTS



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5. CARDS

5.1. CREDIT CARDS STATEMENTS

When you choose submenu Credit Cards Statements you will see searching filter. By this filter you will be able to search monthly statements for your credit cards by entering start date and end date.

Figure 42

When you click on button Show you will see screen with all your statements for the chosen period. The statements are in column Filename. The format is Excel.


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Figure 43

5.2. CARDS REGISTER

This submenu provides detailed information about all debit and credit cards you hold:

Card type

Valid till

Name of card

Status of card

Opposition of card (whether your card is blocked or not)

Stage of execution

Attached account

Card type by product

Account currency

Approved credit limit

Card location

Figure 44


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6. INSURANCE

6.1. INSURANCE BILLS

With submenu Insurance Bills you can pay your insurance payments to any of the insurance companies in Allianz Bulgaria Holding. This submenu provides you the following information about your insurance payments:

Date due Serial number of the payment Policy number Amount due Currency Account (IBAN) of the insurance company Insurance agency (company)

For making the insurance payments you have to click on button Pay this bill. When you click the button you will see funds transfer order containing filled sections with information about your insurance payment. For making the payment you have to click on button Sign document.

Figure 45

7. SAVINGS

7.1. SAVING ACCOUNTS

From this submenu you can receive detailed information about your Online savings account: Account (IBAN) Opening balance Current balance Currency Date opened Next maturity date Last maturity date Accrued Interest Interest Accrual (in months) Agreement (PDF)


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By the buttons Add Funds and Withdraw Funds you can add funds to your online account and withdraw funds from it any time you want

Figure 46

7.2. NEW ONLINE SAVINGS ACCOUNT

The functionality is available only for individual clients that access their own client in the internet banking system. By this menu you can open new Online savings account by following the next steps:

Choose currency of your online account from the dropping menu. It must be the same as the currency of the account from which the initial amount will be taken.

Enter deposit amount (min. 500) Choose account from which you want to transfer funds for opening the online savings account Click on Agreement for Online savings account to read the conditions of the Agreement Select the check-box “ I have read, understood and hereby accept the following conditions of Agreement for

Online Savings Account” Click on button Sign document. The system will inform you that the transfer of the funds is successful and your

online savings account has been opened successful. You can see detailed information for your Online savings account from menu Account Info/submenu Balance Enquiry or from menu Savings/submenu Saving Accounts.

Figure 47


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7.3. NEW STANDARD TERM DEPOSIT

The functionality is available only for individual clients that access their own client in the internet banking system. By this menu you can open new deposit Standard term deposit by following the next steps:

Choose the currency of your new deposit. It must be the same as the currency of the account from which the initial amount will be taken and the one to which the interest will be automatically transferred.

Enter deposit amount (min. 500 currency units). Choose the term of the deposit. Choose the account form which the initial feeding amount will be taken. You can also choose an account to which you would like to have the interest transferred automatically. If you do

not choose an account the interest will be capitalized to the deposit. Click on the link Agreement for Standard Term Deposit in order to familiarize yourself with its clauses. Click on the link Interest rates and parameters in order to familiarize yourself with the interest rates and the

parameters of the product.

Check the check-box in front of the link I have read, understood, and hereby accept the “Agreement for Standard Term Deposit and the Interest Rates and parameters”.

Click on the Sign button in order to sign the transfer order and the Agreement for Standard Term Deposit. You can choose to click on the Save button in order to save the document and sign it later.

You can observe the balance of your deposit in the menu Account info or in menu Savings.

Figure 48

7.4. NEW DEPOSIT “ALLIANZ COMFORT”

The functionality is available only for individual clients that access their own client in the internet banking system. By this menu you can open new deposit “Allianz Comfort” by following the next steps:

Choose the currency of your new deposit “Allianz Comfort”. It must be the same as the currency of the account from which the initial amount will be taken and the one to which the interest will be automatically transferred.

Enter deposit amount (min. 500)


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Choose the term of the deposit. Choose the account form which the initial feeding amount will be taken. You can also choose an account to which you would like to have the interest transferred automatically. If you do

not choose an account the interest will be capitalized to the deposit. Click on the link for the deposit “Allianz Comfort” Agreement to read it. Click on the link Interest rates and parameters in order to familiarize yourself with the interest rates and the

parameters of the product. Check the check-box in front of the link in order to declare that you have read it. Click on the Sign button in order to sign the transfer order and the Agreement for deposit “Allianz Comfort”.

You can choose to click on the Save button in order to save the document and sign it later. You can observe the balance of your deposit in the menu Account info or in menu Savings.

Figure 49

7.5. NEW DEPOSIT “ALLIANZ USKORENIE”

The functionality is available only for individual clients that access their own client in the internet banking system. By this menu you can open new deposit “Allianz Uskorenie” by following the next steps:

Choose the currency of your new deposit “Allianz Uskorenie”. It must be the same as the currency of the account from which the initial amount will be taken and the one to which the interest will be automatically transferred.

Enter deposit amount (min. 500 currency units). Only 36 months term could be chosen for this deposit. Choose the account form which the initial feeding amount will be taken. You can also choose an account to which you would like to have the interest transferred automatically. If you do

not choose an account the interest will be capitalized to the deposit. Click on the link Agreement for “Allianz Uskorenie” to read it. Click on the link Interest rates and parameters in order to familiarize yourself with the interest rates and the

parameters of the product. Check the check-box in front of the link “I have read, understood, and hereby accept the Agreement for

Deposit Uskorenie and the Interest Rates and parameters” in order to declare that you have read it. Click on the Sign button in order to sign the transfer order and the Agreement for deposit “Allianz Uskorenie”.

You can choose to click on the Save button in order to save the document and sign it later. You can observe the balance of your deposit in the menu Account info or in menu Savings.


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Figure 50

7.6. NEW DEPOSIT “THREE AHEAD”

The functionality is available only for individual clients that access their own client in the internet banking system. By this menu you can open new deposit “Three Ahead” by following the next steps:

Choose the currency of your new deposit “Three Ahead”. It must be the same as the currency of the account from which the initial amount will be taken and the one to which the interest will be automatically transferred.

Enter deposit amount (min. 500 currency units). Only 9 month deposit term could be chosen for this deposit. Choose the account form which the initial feeding amount will be taken. You can also choose an account to which you would like to have the interest transferred automatically. If you do

not choose an account the interest will be capitalized to the deposit. Click on the link Agreement for “Three Ahead” to read it. Click on the link Interest rates and parameters in order to familiarize yourself with the interest rates and the

parameters of the product. Check the check-box in front of the link “I have read, understood, and hereby accept the Agreement for Deposit

Three Ahead and the Interest Rates and parameters” in order to declare that you have read it. Click on the Sign button in order to sign the transfer order and the Agreement for deposit Three Ahead. You can

choose to click on the Save button in order to save the document and sign it later. You can observe the balance of your deposit in the menu Account info or in menu Savings.


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Figure 51

8. PENSIONS

8.1. PENSION FUNDS

Menu Pension Accounts provides you the following opportunities:

to check the current status of your pension accounts in Allianz Funds – please click on the link Current status

to observe the history of you pension accounts – please click on the link Contribution History

to check is there any missing payments for you pension accounts – please use the link Missing payments

to see the price of a single unit in the pension fund

to make additional payments to your pension accounts (provided an Agreement exists; see bellow) – please use the link Add funds (only in BGN)

Attention: To add funds to your pension fund account, you must sign a formal agreement with Allianz Bulgaria Pension Company.

Add funds To make additional payments please follow the steps:

1. Click on the link Add funds (only in BGN)

2. Enter the amount of the payment

3. Choose the account from which you will make the transfer (Payer IBAN)


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4. Click on button Sign document to make the transfer

Figure 52

9. SETTINGS

9.1. ALTER USERNAME

This function provides you the option to change your username in case the new username is unique (not used by another user). Enter your new username in the proper area. Click on button Update. You will receive message that your username is successfully changed.

Figure 53


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9.2. CHANGE PASSWORD

This function provides you the opportunity for changing your password in every moment.

! You have to remember your old password

Enter your old password in the proper area. Enter your new password in the same named area. Confirm your new password and click on button Update. You will receive message that your password is successfully changed.

Figure 54

9.3. ALTER ACCOUNT ALIAS

You can change your account alias at any time. Choose account from the dropping menu. Fill in the account name. Click on button Send. You will see a message which will inform you that the change is successful.

Figure 55

9.4. SELFREGISTER


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The function is able only for Private Individual – holder of the account- for registering all accounts and deposits. Click on button Register all my accounts and deposits. You will see a message which informs you that your request is sent to the Bank and you have to logon again in

the logging page of Allianz E-bank.

Figure 56

9.5. SITE VISITS

With this option you can check and follow all actions (login, ordered transfer, logoff and etc.) made in your internet banking for a chosen by you time period. Bu clicking the button Show you will see the following information:

Date and hour of the action (function); IP address from which is made the action (function); Type of the action (function)

Figure 57

9.6. CHANGE TOKEN PIN

The „Change token PIN“ functionality allows you to set up your token PIN on your first log in after it has been registered to your account or to change an already set up PIN.

Important!

Your token PIN must meet the following requirements:

Length – exactly 4 symbols

Allowed symbols – numbers and/or capital letters from A to F

When you load the „Change token PIN “ functionality you will see the following screen:


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Figure 58

As it is evident from the attached screenshot, in order to set up your token PIN you must fill in the following fields:

New token PIN – you should enter the PIN which you would like to set for your token in this field

Repeat the new PIN code – you should repeat the desired token PIN in this field

One Time Password – you should enter a valid one time password in this field. When you set up your token PIN for the first time, your one time password consists of your new PIN and the one time code generated by your token device. On each subsequent PIN change your one time password consists of your current PIN and the one time code generate by your token device.

In order to set up your token PIN, please press the button „Change“. If the operation is successful your token PIN will be set.

9.7. BLOCK TOKEN DEVICE

You can block your toke device in case of it being stolen or at your own discretion with the „Block token device“ functionality in the „Settings“ menu. You can also find out why your token device has been blocked if it is blocked.

When you load the „Block token device“ functionality you will see the following screen:


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Figure 59

The „Block token device“ functionality contains the following fields:

You have a registered token device with Serial Number – your token serial number is written in this field. The serial number of the token device is written on the back of the device.

Token Status – your token device status is written in this field. The status of your token device can be one of the following: active – your token device is active and ready for use; inactive – you have not set up your token PIN and you cannot use your token until your PIN has been set; blocked – your token device has been blocked and cannot be used.

Has PIN been set – in this field you can find out if your token PIN has been set. The possible values of the field are „Yes“ and „No“.

Reason device is blocked – the reason why your token device has been blocked is written in this field. If your token device has not been blocked the field will state that your token is not blocked. If your token device has been blocked the field will state the reason why it has been blocked. For example if your token device has been blocked by Allianz Bank Bulgaria AD or has been blocked automatically due to 4 wrong one time passwords entered it will be explicitly stated and if you have blocked your token device the reason you have given will be shown.

Please provide a reason for blocking the token device – if you would like to block your token device you will have to fill in the field by stating the reason why would like to have your token device blocked.

In order to block your token device, you should fill in the field „Please provide a reason for blocking the token device “ and press the button „Block token device“. After your token device has been blocked you will not be able to use it again unless it is unblocked. In order to unblock your token device you should visit one of our offices.


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9.8. REGISTER TOKEN DEVICE

With the “Register token device” functionality you can register your token device for use with the currently selected client.

When you load the functionality you will see with the following screen:

Figure 60

In order to register your token device you should press the button „Register token device“. After you press the button your token device will be registered and you will be able to use it with the currently selected client.

9.9. SYNC TOKEN DEVICE

Essence

This functionality allows the users in the internet banking system Allianz E-bank to synchronize their token devices with the bank’s server remotely.

Why token devices have to be synchronized?

By using an integrated clock mechanism and complicated algorithm the token devices generates one-time-passwords. The same clock mechanism and complicated algorithm are integrated in the bank’s server, thus, it can recognize and validate the one-time-password generated by every different token device. As every other clock, the integrated in the token device clock mechanism could either lag behind or be ahead. In the synchronization process the time the token is ahead or lags behind is written in bank’s server database. Thus the server can calculate how much time the token is ahead or behind.

When the token device is used frequently in Allianz E-bank, it synchronizes automatically. This happens always when the token device is ahead or behind with no more than 30 seconds.

Sometimes, it happens that the token device is not used for a long time and it becomes ahead or behind with more than 30 seconds. In this case, when it is used in Allianz E-bank, the system will always reject your requests with the argument that the one-time-password is invalid. Thus, the token device cannot be synchronized automatically. In such situation, the functionality “Synchronize token device” should be used.

How to know whether your token device is not synchronized?

The system cannot tell you whether your token device is synchronized or not, because it does not recognizes if one-time-password entered is wrong or is generated from not synchronized token device.

While you are using your token device in Allianz E-bank, carefully enter your PIN code of the token device and one-time-password generated by the device. If the system returns a message which says that the one-time-password was wrong, this could mean that your token device is not synchronized. In this case, you have to use the functionality “Synchronize


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token device” in order to synchronize your token device. However, the possibility that you have entered wrong one-time-password remains.

Instructions for using the functionality “Synchronize your token device”

1. In the field “One time password 1:” enter the PIN code of your token device consequently, one word written with the one-time-password generated by the token device.

2. Wait your token device to generate new one-time-password. Press the button of the device in every 3-5 seconds until it shows new one-time-password.

3. When the device generates new one-time-password, in the field “One time password 2:” you have to enter again your PIN code of the token device consequently, one word written with the new one-time-password generated by the device.

4. Press the button “Synchronize”. 5. Pop-up message will be shown on the screen which says that your token device has been synchronized!

What you have to do if the synchronization was not successful?

If the synchronization of your token device was not successful, the reason could be:

You have entered wrong one-time-password or PIN code in one or both of the fields “One time password 1:” and “One time password 2:”;

You have not waited enough the token device to generate new password.

If you think that the synchronization was not successful due to one of these two reasons, please, try again to synchronize your token device as you carefully follow the instructions above.

IF YOU THINK THAT EVERYTHING YOU ENTERED IN THE FIELDS WAS RIGHT AND YOU HAVE WAITED ENOUGH THE TOKEN DEVICE TO GENERATE NEW ONE-TIME-PASSWORD, AND THE PROBLEM STILL EXISTS, PLEASE, TURN TO OUR SPECIALISTS IN THE MOST CONVENIENT ALLIANZ BANK BULGARIA’S OFFICE FOR YOU.

9.10. MOBILE BANKING REGISTRATION

“Mobile Banking Registration” is a functionality that allows users to register their mobile devices in order to be able to use the mobile banking system of Allianz Bank Bulgaria – Allianz M-bank.

Allianz M-bank is designed for devices with Android and iOS operating systems. It can be downloaded from Google Play and Apps Store.

More detailed information about the process of registering and using Allianz M-bank you can find the “Mobile banking” manual which is located on the pages of the internet banking system Allianz E-bank.

10. REQUESTS

10.1. CASH WITHDRAWAL NOTICE

This function provides opportunity to send cash withdrawal notice to the Bank. You have to fill in the amount in the proper area. You have to fill in date for execution. Its mandatory to have at least two days difference between current date

and the withdrawal date. The notice will be send to the chosen by you Bank’s location at the moment you send it. You have to consider the mentioned notifications.

Choose Bank’s location for executing the notice. Click on button Send. You will receive a message that the notice is sent successfully.


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Figure 61

10.2. ATM CARD REQUEST

This function provides opportunity for sending a request to the Bank for issuing a debit card on chosen by you account.

First you have to be aware with the Allianz Bank Debit Card User Agreement

! By the system Allianz E-bank you can send e request only for personal debit card.

Choose the card type by the dropping menu.

! You have to be aware that when you send a request for debit card Maestro Chip the cards of this type can be

issued only on accounts in BGN.

Choose bank location for receiving the card. Fill in Latin letters the name that you would like to be embossed on the card.

! Sending a request for debit card issuing through Allianz E-bank is possible only for Private Individual –holder

of the account.

Mark the way you want to receive monthly statements by using ticks to the proper area. Choose from the dropping menu your account for which you want to issue debit card. Click on button Send. You will receive a notice that your request is sent successfully.


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Figure 62

11. MAIL

11.1. FREE MESSAGE

From this submenu you are able:

To send your questions to the Bank. The questions can be about the website, the security or anything you want to know according Allianz E-bank .

To make suggestions and comments about Allianz E-bank.

Figure 63

11.2. INBOX MAIL


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This submenu visualizes all of your received messages which are sent from the Bank.

In case you have inbox mail you can see the notification on left top of the page. The notification will stay until you delete the messages.

The deleting of the messages can be done as putting a tick to the message that you want to delete and then you click on button Delete selected messages.

Figure 64