Frequently asked questions

Transfers in euro throughout the euro area (SEPA) are executed on clearing system business days, five times a day.

If you submit the payment order after 4.20 p.m., on weekends or international holidays, the funds will be credited to another bank’s account on the first business day thereafter at 9.15 a.m.

*The exact time of crediting the funds to the beneficiary’s account depends on the beneficiary’s bank.

Only users with administrator rights have functionality to increase payments limits. Go to internet bank and on the right top press on settings button.

If you have administrator rights but you do not see the “Change limits and permissions” button in the “Limits and permissions” section, then write a message to the Bank by clicking on the envelope icon in the right corner of the internet bank window. In the message, please specify the account number, currency, the amount of the limit you want to change to and the name of the limit (e.g. payment, day, month).

The Bank allows clients to set a maximum amount that can be transferred via instant payment. The default limit set by the Bank is 15,000 EUR. This limit can be changed in the internet bank section “Settings” -> “Limits and permissions”, or by writing a message to the Bank.

To ensure the security of client funds, the Bank recommends setting a limit that reflects your individual needs.

The instant payment limit can only be set or changed by a user with administrator rights. The limit is set at the user level and applies to all accounts.

An instant payment may be rejected if the payee’s payment service provider does not accept instant payments or if the payment cannot be completed within the time frame defined by legal regulations. This may occur due to mandatory data checks performed by the payer’s or payee’s payment service providers, or due to technical issues.

You can make an instant payment via an internet bank by selecting “New Payment”, using the bulk payments section, or by writing a message to the Bank and submitting a payment request.

When making a SEPA, instant, or internal bank payment, the system compares the payee’s name, surname, or company name you entered with the data held by the payee’s payment service provider.

The verification is performed just before confirming the payment. The result is provided within a few seconds after entering the payee’s details.

Upon receiving the result:

• Match – you can proceed with the payment.

• Close match – a corrected version of the payee’s name or company name is provided in the result message. If it doesn’t look right, or you’re not sure, do not confirm the payment and contact the beneficiary to check their details.

• No match – the account may belong to a different person. We recommend contacting the payee to confirm the correct account holder’s name or company name before proceeding.

• Verification not possible – the service may be temporarily unavailable, or another issue may have occurred. Try again later or check whether the payee’s service provider currently supports verification of payee service.

Business customers submitting payment instructions as a batch (bulk payments) can opt out of verification of payee service. This can be done in the internet bank section “Settings” -> “Bulk payments settings”.

This service is free of charge.

You can submit bulk payments by logging in to internet bank, uploading payment file and confirming it.

Requirements for payment file:

• File format has to be XML;

• File size cannot exceed 3 MB;

• File cannot consist of more than 3,000 payments;

• Payer’s account number has to be your account number (IBAN) in our bank;

• XML must be ISO 20022 pain.001.001.03 message.

1. Log in to internet bank.

2. Make sure that the menu bar is expanded. If collapsed, expand it by clicking “>” in the top left corner:

   

3. Select “Payment” section.

4. Select “Bulk payments” sub-section.

5. Click “+” and select a payment file from your device.

6. Click “Save and confirm” > “Confirm”.

7. Confirm the payment file with the confirmation tool used.