ATOS BANK Online"

After contracting the service at the Bank branch, activation codes will be delivered. The first activation code will be sent to your email address registered with the Bank. After entering the first activation code, the second activation code will be delivered via SMS to your mobile phone number. To register the service, you enter the activation codes, after which the application will require you to define a PIN code for future access and an Application Recovery Code.

The Application Recovery Code should be remembered, as it allows you to activate the application if you switch devices, uninstall the app from your current device, perform a factory reset, etc. After installing ATOS BANK Mobile on a new device—or on your current device following an uninstallation—select the option "Registration > With recovery code." Enter the e-mail address registered with the Bank, along with the recovery code you defined during the initial activation. You will then receive a one-time password via SMS; enter this password into the designated field to reactivate the application, without needing to visit a bank branch or call the Bank’s contact center.

ATOS BANK Mobile can be used on one device only.

The service provides access to all your active accounts at the Bank.

If you have up to 3 accounts or cards, you can view them by swiping to the left. If you have more than 3, you can view them on the SELECT ACCOUNT / SELECT CARD option.

The Current Balance shows the amount of funds in the account, increased by the value of any holds (e.g., a card transaction that has been authorized/reserved but not yet fully posted).

The Available Balance shows the amount you have available to spend; it includes any authorized overdraft limit on your current account and is reduced by the value of any holds.

Under Settings, you can select the Default Balance option to choose whether you want the Current Balance, Available Balance, or Both Balances to be displayed for your transaction account.

If you are unsure where your payment card is, you can block it via ATOS BANK Mobile. After blocking, the card cannot be used. If the card was blocked by mistake, it can be unblocked.

The SECURITY SETTINGS option relates to managing spending limits and enabling or disabling the card for ATM cash withdrawals, online payments, and payments at POS terminals.

Google Wallet / Apple Wallet is a digital wallet that enables fast and secure transactions via mobile phones and smartwatches, allowing you to use your payment card in a digital format. By selecting this option within the ATOS BANK Mobile app, your payment card is converted into a digital form, enabling you to make payments without needing to have the physical card with you.

The mCash feature allows you to send and withdraw cash at ATOS BANK a.d. Banja Luka ATMs using the ATOS BANK Mobile app, without needing your debit card.

Using the mCash option in the ATOS BANK Mobile app, select the desired amount and generate an mCash code. At an ATOS BANK ATM, select the CARDLESS WITHDRAWAL option, enter the mCash code, and collect the amount you selected in the app.

Once you have arranged to use the service at a Bank branch, your username will be sent to the e-mail address you provided to the Bank. You will receive a temporary password for accessing the service via SMS. On the Bank’s official website, select the "ATOS BANK Online" option, then log in to the service by entering your assigned username and the password you received.

When logging in for the first time to ATOS BANK Online Web electronic banking with an initial password, the service will require you to change your password, i.e. create your own password.

Payment orders or other functionalities requiring authorization are performed using a one-time password (OTP) delivered via an SMS message to your phone number. In addition, you can obtain a one-time password within the mobile application by selecting the mToken option.

Yes, if necessary, you can also block your payment cards via the web application.