Benefits

Online banking for a successful business. From your phone or desktop.

 

Internet banking anywere and any time

You can manage your money securely 24hrs/day from anywhere and at any time, you just need an internet connection.

 

Minimum cost in favor of your business

Interbank transactions made through internet banking have a cost 50% lower than the ones made at the bank’s counter.

 

Financial control over your business's funds.

You can check in real time the status of your accounts, available funds and easily perform any operation, such as negotiating an advantageous foreign exchange.

 

Personal and personalized

Activate, customize, and prioritize key information depending on your interests. In Idea::myBank you choose the name and image of the products.

 

Editable financial widgets

Widgets that give you quick access to information or operations: foreign exchange, available cash graphics, status of recent transactions, messaging, Tips & Tricks, etc.

 

Always safe and secure!

The highest security standards, you authenticate and authorize operations through a token application installed on your smartmobile phone.

Features

You know everything about your business financial situation at any time.

  • Idea::myBank is available exclusively to Idea::Bank customers;
  • dynamic authentication and authorization of transactions through Idea::mToken, token application on your smartphone; 
  • smart benefits and options to control your money: 
    • you can see in real time the situation of your current account, credit cards, loans, deposits or transactions in your accounts;
    • you easily carry out any operation: transfer between own accounts, payments in RON or foreign currency, open a new current account or a term deposit.
    • you have new functionalities: opening current accounts or term deposits, foreign exchange negotiation, import payments by file, authorization of operations by two users, view of debit instruments (BO / checks), search engine with various and detailed filters, reporting module, generate account statements that can be exported in the desired format (pdf, excel csv) etc;
    • financial widgets: quick stocks, cash available chart, exchange rate or latest transactions, messaging, Tips & Tricks etc;
    • manage cards online: lock or unlock, change trading limits;
    • catalog with banking products and services: applications for a credit card, personal needs credit or line of credit, etc.

Useful info

Useful information and details, in one place, at your fingertips.

  • Idea::myBank is a mobile-friendly desktop platform, so you can use it from your favorite device;
  • the platform is available in Romanian and English;
  • to use Idea::myBank you need to activate the Idea::mToken application on your smartphone:
  1. download and install Idea::mToken
  2. go to Idea::myBank and send the activation codes for Idea::mToken
  3. activate Idea::mToken
  • processing and settlement of transactions through the internet banking platform Idea::myBank differs depending on the type of operations - see details here.

For help (internet banking unlock, questions, etc.) call Idea::call center * 4455 or +40.021.318.95.00. The service is available 24/7.
 

Costs

Lower than at the counter and helps you save time and energy!

  • Interbank transactions cost are 50% lower than those at the bank's counter.

The full list of fees and commissions is available below:

Idea::mToken app

Here are the details about how to download and install Idea::mToken application.

Idea::mToken is the application through which your mobile phone becomes the connection token in to Idea::myBank platform and later the application which you will authorize internet banking operations through.

The app is compatible with Android (4.4 or newer) and iOS (8.0 or newer) - download from below directly to your mobile phone:

   

  • after installing allow the app to send "push" notifications. Verify if the app has this permission:
    • Android: Settings/ Apps/ Idea::mToken / Notifications
    • iOS: Settings/ Notifications/ Idea::mToken
  • Idea::mToken app must be activated the first time it is used.

Activate Idea::mToken

See below:

After installing Idea::mToken, the activation is done with the help of two codes consisting of 8 digits. To receive the codes follow the instructions below::

  • At the first login in Idea::myBank platform, after entering the initial username and password, in the next window click on "SEND ACTIVATION CODES" - if you need help we have prepared a video tutorial
  • Later if you need the activation codes, you can request them by calling Idea::call center *4455.

Get Idea::myBank

You can use the internet banking platform if you have a current account, a debit/credit card at Idea::Bank.

  • Existing customer: activate Idea::myBank in just few minutes, without any branch visit, call Idea::contact center * 4455
  • Not an Idea::Bank customer? You have several options to request Idea::myBank:
    • Come to the nearest Idea::Bank branch, with your identity card;
    • Send SMS with "myBank" to 1710 (normal rate);
    • Fill in the online form.

Transaction processing schedule

See details below!

The schedule for processing and settlement of transactions performed with Idea::myBank internet banking service is:

Transfers in lei or foreign currencies between same holder accounts or to Idea::Bank accounts will be settled immediately after being approved in the Idea::myBank internet banking platform. Exception: operations ordered while the banking day closing operations are processed.

Payments in lei to an account opened with a different bank:

  • lei payments that do not exceed 50,000 lei will be settled on the same day if the operation is performed before 13:40. After this time or in non-business days, payments will be settled on the following banking day. This rule also applies to payments to the state budget/treasury.
  • lei payments in excess of 50,000 lei will be settled on the same banking day if the operation is performed on a banking day before 14:30. Payment orders made after 14:30 or in non-banking days will be settled on the following banking day.
  • on the 23rd day of each month or, if this is a non-banking day, on the previous business day, the deadline for processing high value payment orders in lei (50,000 lei or more) or for urgent payment orders is 14:00.

Foreign currency payments to an account opened with another bank on a business day:

  • Non SEPA payments will be processed on the same day and settled within 2 business days, if the transaction is completed by 16:00. Non SEPA payments made after this time or on non-working days will be processed on the next working day and settled within 2 working banking days from the introduction.
  • Urgent payments will be processed and settled on the same business day, if the operation is performed by 14:30. Urgent payments made between 14:30 and 16:00 will be processed on the same working day and settled on the next working day. Payments made after this time or on non-working days will be processed and settled on the next working day.
  • SEPA payments will be processed and settled on the same business day, if the transaction is completed by 14:00. SEPA payments made between 14:00 and 16:00 will be processed on the same day and settled on the next working bank day. Payments made after this time or on non-working days will be processed and settled on the next working day.

Unprocessed payments until 16:45 for various reasons (eg unavailability in the paying account) will be rejected.

Deposits shall be established on the day the operation has been initiated. Exception: operations ordered while the banking day closing operations are processed.

Foreign currency exchanges. The amounts converted further to foreign currency exchange operations will be available immediately after being approved in the application. Exception: operations ordered while the banking day closing operations are processed.

* All transactions approved by client during the closing hours of the day (approximately between 18:00 and 24:00) will be processed immediately after closing day completion.

Importing payments by file

Instructions for importing payments by file:

Only .txt files are supported. The file must not contain a header, and the values need to be separated by comma ",".

Field size and date type:

  • n = numeric 0–9
  • a = alfabectic. All the characters should be caps.
  • F = fixed length field
  • V = variable length field
  • S = amount (no thousands separator; decimal separator is “.”; only 2 decimal places are accepted)

Each line ends with " < CR > < LF > "

Description Field size & date type Details
Beneficiary Name 35 a V Required field
Payment details 1 35 a V Required field
Payment details 2 35 a V Optional field
Payment details 3 35 a V Optional field
Payment details 4 35 a V Optional field
Amount 15 n V S Required field
Beneficiary IBAN code 24 a F Required field
Payer IBAN code 24 a F Required field
Processing method 1 a F

Optional field; accepted values ​​are: D = urgent interbank payments processed through the RTGS channel and N = non-urgent interbank payments processed through the ACH channel.

For interbank payments below RON 50,000, if you leave the field blank, those payments will be considered non-urgent and thus processed through the ACH channel.

For interbank payments over 50,000 RON, regardless of value, those payments will be considered urgent and thus processed through the RTGS channel.

Execution date 10 a F Required field; format dd-mm-yyyy
Payment reference 16 n V Optional field
Beneficiary Registration Number (CUI / CNP) 13 a V

Mandatory field for payments to the State Treasury.

Payer reference 16 n V Required field

Example:

BENEFICIAR1,DETALII1,DETALII2,DETALII3,DETALII4,10.00,RO03BACX0000001677724000,RO20ROIN911000181257RO05,,10-07-2020,,,1

BENEFICIAR2,DETALII1,,,,30.00,RO11BACX0000000789820000,RO20ROIN911000181257RO05,,10-07-2020,,,2

Apply for Idea::myBank

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