ATOS BANK Online"

Mastercard® Identity Check ™ and Visa Secure 3D Services are free secure Mastercard and / or Visa card purchase services at online 3D point-of-sale sites. When confirming your purchase, you additionally confirm your identity with a one-time SMS password. The exchange of classified information is solely between you and the bank and the internet point of sale does not have access to the information being exchanged.

Current account can be arranged at your nearest Sber Bank branch.

Residents:
- Copy of ID
- CIPS application (not older than 6 months)
- Request form completed

Non-residents:
- Copy of certified passport
- Residence certificate
- Request form completed

Sber Bank's current account is multi-currency, given that one account can be traded in both domestic and foreign currency.

- To use the netBanking application, the Client is required to provide the minimum technical requirements: a P4 generation processor or higher, a minimum of 1 GB of memory, a minimum of 200 MB of hard disk space, Internet access of 128 Kbps or more, a graphics card with a resolution of 1024x768 or higher, the operating system WinXPSP2 or higher, Adobe Reader 9.0 or higher, Internet browser: Chrome version 30 or higher (on Win7 +, Android 4.1+ or iOS9 +), Firefox version 27 and above (on WinXPSP2 +, Android 4.0.3+ or iOS 8.2+). Internet Explorer (I IE mobile) version 11 (on Win7) and above. Android 5.0, Apple IOS 6.0+ for mobile phones with Internet access. The Client has download the latest version of the Sber Mobile Banking App from the relevant market ("Google Play" or "App Store").
- The Client has to keep the username and password information, as well as the token and activation key, and to inform the Bank immediately and without delay about any case of loss or misuse of the user credits for using the application. The Client (authorized representative, contact person or user) is obliged to immediately report the loss or theft of the means of identification to the Bank / nearest branch during working hours from 08:30 to 17:00, by telephone: 033 / 280-300 and / or to the e-mail address [email protected] and / or the responsible Business Relations Manager. The Client shall bear all damages resulting from non-compliance with the instructions regarding the use of the netBanking and mBanking application and means of identification (token), especially in case of disclosure or making available passwords and means of identification (token) to unauthorized third parties, failure to report loss, theft or unauthorized use of the means of identification or netBanking or mBanking of an application, loss or theft of a mobile phone to which it receives SMS messages or failure to report a change in the mobile phone number to which it receives SMS messages. The Bank will block the Client from using the netBanking / mBanking if the Client establishes a loss, theft or unauthorized access to the netBankig / mBanking service or means of identification. Use of the service (s) will be re-enabled after the replacement of the means of identification. The Bank shall not be liable to the Client for any damage caused by its failure to comply with the instructions regarding the safe use of netBanking / mBanking services, as well as for damage that occurred prior to reporting the unauthorized use of the netBanking / mBanking service and blocking it.
- The Bank executes payment orders in accordance with the General Terms of Use and in accordance with other valid contracts and applicable regulations. All user actions are recorded electronically. The electronic record of procedures and orders is archived in accordance with applicable legal regulations. The Bank shall execute payment orders when all conditions for execution have been fulfilled, in accordance with the applicable legal regulations governing payment transactions. The Bank is not responsible for the secrecy of the information after receiving it on the User's defined mobile phone and is not responsible for the abusers resulting from this. The Bank is not required to verify the ownership of the mobile phone specified in the Application.
- The Client is obliged to use the services in the manner prescribed by the instructions for using the services. Instructions for using the service are available on the Bank's website at www.sberbankbl.ba.

Your mobile phone must support either Apple iOS version 6.0 or Android version 5.0, or later versions of the specified operating systems.

The condition for contracting the service is to activate a current account with Sber Bank.

First login:
- Download the app from the market
- Enter username and password (information is provided when activating the service at the Bank's branch office)
- Activation key entry
- PIN definition

Each subsequent login:
- Enter a defined PIN

The application can be installed on multiple devices.

Operating System: WinXPSP2 or higher
Internet browsers: Chrome version 30 or higher, Firefox version 27 or higher, Internet Explorer version 11 or higher username, password and token issued by the bank

The condition for contracting the service is to activate a current account with Sber Bank.

First login:
- Access to the Bank's website
- Enter username and password (information is provided when activating the service at the Bank's branch office)
- e-mail verifica
- OTP verification

Each subsequent login:
- Enter username and password
- OTP verification

OTP (One time password) is a one-time security code that is generated on a token or delivered via SMS.

A token is a security device that ensures the confidentiality and integrity of your account information when using the netBanking service. The token is used to identify users when login the Sber netBanking application and to sign created payments.

1. An unusual dictionary
Mails seeking "immediate action" or "prompt response" and mails containing "grammar or spelling errors" - be handled with caution.
Please carefully check the e-mail received and keep in mind that fake e-mails often ask you for user information or suggest opening attachments or installing a tool delivered to you through mail.
2. Non-standard e-mail addresses
All emails not sent from known e-mail addresses should be handled with caution. If you know the address, make sure it is spelled correctly.
3. Unusual accessories
All attachments need to be handled with caution, especially when it comes to ".exe", but also the files we regularly use in our work - Excel (.xls or .xslx), Word (.doc or. docx), PDF, etc.
4. Unusual links
Although the link may seem right, before every click, check the right destination to which the link sends you. You can do this with a simple trick - before clicking, position your cursor over the link and make sure that the address of the web page to which it directs you is.
You can also access the link by typing the address manually in a web browser, ie. Browser
5. Email without text, with attachment

If you receive an email with no text and only the attachment attached, be sure to proceed with caution.

Avist, term and open savings can be arranged at your nearest Sber Bank branch.

Residents:
- Copy of ID
- CIPS application (not older than 6 months)
- Request form completed

Non-residents:
- Copy of certified passport
- Residence certificate
- Request form completed

For security reasons, do not memorize the user code by Autocomplete options offered by the most of browsers. For example, for Internet Explorer, go to “Tools” / “Internet Options” / “Content”, click on Autocomplete and to not mark User Names and passwords on forms. Configure your browser in “Tools” / “Internet Options” / “General” / “Temporary Internet Files” / “Settings”, the section Automatically is marked by default. We recommend you to mark “Every visit to the page or Every time you start Internet Explorer so that your browser may search the display of the page on the internet and not in the cache memory.