As GRÁNIT Bank makes it a priority to help its Customers make responsible financial decisions, we would like to draw your attention to the services provided by the Hungarian National Bank (hereinafter: MNB), which could make it far easier to obtain information regarding the financial products and banking services. You can access the MNB Financial Consumer Protection Centre and find additional useful information and calculators to help you make financial decisions, using the links below.
MNB Financial Consumer Protection Centre
MNB Financial Consumer Protection Centre / Financial navigator
MNB Financial Consumer Protection Centre / Financial Navigator Booklets
MNB Financial Consumer Protection Centre / Financial Navigator Applications
MNB Financial Consumer Protection Centre / Information on the Risks of Excessive Indebtedness
The MNB is responsible for the content and updating of the above web pages. The prevailing terms and conditions of GRÁNIT Bank’s products are contained in the Bank’s latest effective Announcements, so it is absolutely necessary to read these in order to make a fully informed decision.
You can find a series of information booklets on the MNB’s website (http://www.mnb.hu/fogyasztovedelem/penzugyi-navigator-fuzetek) to help you learn basic financial literacy. Gain practical consumer knowledge through the MNB Financial Navigator’s short videos that you can access on MNB’s YouTube channel. Besides these, we would also like to draw your attention to the following practical applications, which are available to assist you in making your decisions about saving, borrowing and account opening:
The MNB is responsible for the content and updating of the above web pages. The prevailing terms and conditions of GRÁNIT Bank’s products are contained in the Bank’s latest effective Announcements, so it is absolutely necessary to read these in order to make a fully informed decision.
From 1 December 2016, the Hungarian National Bank will introduce a video interpreter service at its personal customer service to ensure equal opportunities for hearing impaired customers, and will also start accepting customer enquiries by phone on a free green number.
Compared to face-to-face interpreting, this service has the advantage of providing instant, real-time interpreters on call to help remove communication barriers without the need to book an appointment. For customers who use sign language, the interpreters convey information from the administrator in sign language and translate the customer’s questions into spoken language. For hearing impaired customers who do not know sign language, the service provides written assistance.
We also wish to inform our Customers that the Call Centre of the Hungarian National Bank and the Financial Arbitration Board can be reached by calling +36-80/203-776.
The MNB is responsible for the content and updating of the above web pages. The prevailing terms and conditions of GRÁNIT Bank’s products are contained in the Bank’s latest effective Announcements, so it is absolutely necessary to read these in order to make a fully informed decision.
You can find thousands of ATM units or branches of credit institutions in minutes using the National Branch and ATM Finder app available on the MNB’s website. The Branch and ATM Finder App is available here.
The MNB is responsible for the content and updating of the above web pages. The prevailing terms and conditions of GRÁNIT Bank’s products are contained in the Bank’s latest effective Announcements, so it is absolutely necessary to read these in order to make a fully informed decision.
The most common methods of phishing include contacting by telephone solicitation or by electronic mail. There are several ways to defend against these, but unfortunately criminals are becoming more sophisticated, and so the protection against them requires more and more attention.
When receiving an e-mail or a phone call, make sure that the person or company sending it is legitimate and that the request is authentic. There may be references to a non-existent company or impersonation. If the company is not known, you should not respond. In the other case, you should request confirmation of the legitimacy of the request through a separate channel, using one of the contact details listed on the official website of the company referred to.
Do not click on a link provided in a suspicious letter!
Never give passwords, other personal identifiers or banking information to another person or to other persons, either by phone or e-mail!
If the received e-mail contains nothing else but links, and the sender is unknown, delete it!
In the case of a telephone call, pay close attention to what information the caller might want (never provide any banking and other critical identifiers)!
It is worth monitoring the news about phishing in the press.
Do not respond to unidentifiable invitations! If it is from the name of a friend, ask your friend to confirm it!
For your security, please use the bank card Lock and Set Limit functions in the Gránit Bank eBank app. You can block your bank card at any time and activate it only before the actual payment, thus eliminating the possibility of bank card fraud. You can also prevent fraud by keeping your bank card limit at HUF 0, and increasing it to the desired amount only before a cash withdrawal or making a purchase with your bank card. It is, however, important to know that you need an internet connection to use these functions.
Be aware of your surroundings before withdrawing money from an ATM!
Like passwords, the PIN code related to a bank card should not be written down anywhere or disclosed to anyone else.
Always keep your bank card details confidential!
It is recommended that you withdraw money from an ATM in a closed area (e.g. bank branches)!
Always keep your bank card in sight when making purchases!
When shopping online, make sure that the shop is legitimate, check if the GTC and other information stipulated by law are available for reading. Check whether the transaction page has a valid certificate signed by a trusted certifier and issued for that page (its connection is encrypted “https”).
If you notice any of the following, report it immediately to the Bank’s Customer Service:
The website of the Hungarian National Bank, and links to its information notices and recommendations:
https://www.mnb.hu/web/fooldal
https://www.mnb.hu/fogyasztovedelem/hirek-aktualitasok/ne-valjon-szamitogepes-csalas-aldozatava
https://www.mnb.hu/felugyelet/szabalyozas/felugyeleti-szabalyozo-eszkozok/ajanlasok
Government Computer Emergency Response Team (GovCERT-Hungary) website:
Link to the monthly newsletter published by the SANS Institute, which is translated into several languages, including Hungarian:
https://www.sans.org/security-awareness-training/ouch-newsletter
Link to the book entitled “IT security in plain language”, published by the John von Neumann Computer Society:
https://njszt.hu/de/it-biztonsag-kozerthetoen
The Hungarian Police’s web page related to Internet Safety:
http://www.police.hu/hu/hirek-es-informaciok/bunmegelozes/internet-biztonsag
European Banking Authority (EBA), official Hungarian web page
Changes have been introduced under the European Union’s Directive stipulating strong customer authentication (PSD2) in order to increase the security of payment services used by customers. What does this mean for customers?
WHAT DO YOU NEED TO DO?
Check if your phone number is registered with Gránit Bank. If not, or if it is not registered correctly, you can request registration in the following ways:
Unless you have already done so, you can apply for the Gránit NetBank service via Gránit VideoBank or in person at our Central Branch or Westend Customer Centre.
APPROVAL OF ONLINE PAYMENTS FOR CARD HOLDERS WITH AN ACTIVE GRÁNIT EBANK MOBILE BANKING APP:
Before making a payment, log in to the Gránit eBank mobile banking app and identify yourself.
After starting the payment, open the pop-up notification for payment identification.
Check the details of the initiated payment on the screen (merchant’s name, payment amount, number of bank card used for payment). If you find the transaction details to be correct and recognise that you have initiated the transaction, click the “Confirm payment” button.
Please identify yourself with mPIN/TouchID/FaceID.
If the identification is successful, you can view the details of the payment by clicking the “View details” button.
Once confirmed, click the “Continue” button in the authentication interface to execute the payment and be redirected to the merchant's site.
APPROVAL OF ONLINE PAYMENTS FOR CARD HOLDERS WHO DO NOT HAVE AN ACTIVE GRÁNIT EBANK MOBILE BANKING APP:
IMPORTANT! If you have not yet set your password for online shopping, please record it to ensure successful payment.
Check the data displayed in the transaction authentication interface (merchant’s name, payment amount, date of payment).
If you find the transaction details to be correct, enter the one-time code you received via SMS when you started the payment to validate the transaction and click the “Continue” button.
Enter your password required for online shopping, then click the “Continue” button in the authentication interface to execute the payment and be redirected to the merchant's site.
More detailed instructions on how to approve online payment are available HERE.
IF YOU ARE USING GRÁNIT NETBANK
To log in, in addition to the previously required data (username and login password), it is also necessary to enter the one-time password (confirmation code) sent by Gránit Bank by SMS, which the Bank will send each time to the mobile number provided by the Customer to the Bank. If you change your mobile number, it is essential that you also notify the Bank of the new mobile number.
WHEN PAYING BY BANK CARD AT A PHYSICAL POINT OF ACCEPTANCE
According to the provisions of the PSD2 Directive, the cumulative limit for consecutive contactless payments (without entering a PIN) is HUF 45,000. If the total value of consecutive small-amount (below HUF 15,000) contactless payments exceeds HUF 45,000, then the PIN code will also be required upon the next small-amount (below HUF 15,000) payment. Once the PIN has been entered, the counting of the aggregate amount will restart. When paying with Apple Pay, there is no need to enter a PIN code, as this payment channel meets the requirement for strong customer authentication.
WHEN USING THE GRÁNIT CORPORATE CUSTOMER TERMINAL
LOGGING IN
To log in, in addition to the previously required data (username and login password), it is also necessary to enter the one-time password (confirmation code) sent by Gránit Bank by SMS, which the Bank will send each time to the User’s mobile number recorded in Gránit Bank’s systems. Login is only possible in the case of an online connection, i.e. by clicking on the terminal’s telephone icon and logging on to the Bank's computer.
SIGNING ORDERS
Orders can be authenticated by sending a signature password by SMS to the User’s mobile number registered with Gránit Bank, instead of the previously used fixed signature password.
WHAT DOES STRONG CUSTOMER AUTHENTICATION MEAN?
The purpose of strong customer authentication is to protect customers when executing bank card purchases initiated at physical points of sale and online (via the internet), in order to ensure that the transaction can only be made after the approval of the authorised card holder. In practice, strong customer authentication implies the simultaneous use of at least two complementary means of identification. PSD2 distinguishes between the following means of identification:
Strong customer authentication is achieved when the transaction concerned is authorised by the provision or use of at least two of the categories of elements listed above. The purpose of the new process is to make payments more secure and reduce the possibility of fraud.
WHO WILL BE AFFECTED BY THE CHANGE COMING INTO FORCE FROM 01.01.2021?
Strong customer authentication applies to all card holders with a retail or corporate bank card, including the main and supplementary card holders with a GRÁNIT Digital bank card. The payment process will change in the case of bank card purchases at online merchants whose registered office is within the territory of the European Union.
WILL THE NEW RULES APPLY TO PAYMENTS EXECUTED AT ALL ONLINE MERCHANTS?
The Directive does not apply to online merchants whose registered office is outside the territory of the European Union (e.g. AliExpress, Wish), and the change does not affect payments initiated by bank card at these online merchants for the time being, unless the online merchant with its registered office located outside the territory of the European Union already uses strong customer authentication.
HOW WILL THE CHANGE AFFECT RECURRING BANK CARD PAYMENT ORDERS?
There is no change for recurring bank card payment orders given before 01.01.2021, and no strong customer authentication is required for recurring payments. In the case of new recurring bank card payments made after 01/01/2021, strong customer authentication is required at the time of placing the order (for the first time), but not for any subsequent payments.
WHEN IS STRONG CUSTOMER AUTHENTICATION NOT REQUIRED?
As a general rule, online purchases can be authorised with two-factor identification. The following cases may be exceptions:
IS THERE A CHARGE FOR THE NEW SERVICE?
No, both the authentication with a password required for online shopping and a one-time code as well as the customer identification on GRÁNIT eBank are provided free of charge for our Card Holders.
HOW TO UNBLOCK A CARD AFTER TEMPORARY BLOCKING?
After 5 consecutive unsuccessful attempts to enter the password required for online shopping or the one-time code, the online bank card payment will be blocked and then automatically unblocked after 60 minutes. If you wish to initiate immediate unblocking, you have the following options:
If the customer identification in the GRÁNIT eBank mobile banking app fails three times due to the entry of an incorrect biometric identifier or mPIN, the user will be banned from the mobile banking app. Re-entry into the mobile banking application is possible by entering the new mPIN obtained by the “Request new mPIN” operation in the GRÁNIT eBank activation menu of the GRÁNIT NetBank service.
WHAT OTHER OPTIONS DO I HAVE TO MAKE MY ONLINE BANK CARD PURCHASES MORE SECURE?
In order to increase the security of online (internet-based) bank card purchases, we recommend the unique security solutions available in the GRÁNIT eBank mobile banking app: temporary locking and unlocking of the bank card with the GRÁNIT Lock function, and one-touch control of the bank card limits (including the online limit).
DO I NEED TO SET A PASSWORD FOR ONLINE SHOPPING EVEN IF I HAVE AN ACTIVE EBANK APP?
It is recommended to set a password for online shopping even if the Card Holder has an active GRÁNIT eBank mobile banking app, in order to be able to approve their bank card payments even if there is an obstacle to identification on eBank (e.g. lack of internet connection, loss of mobile phone).
WILL THE SAME PASSWORD BE ASSIGNED TO ALL MY BANK CARDS FOR ONLINE PURCHASES?
The password provided will be valid for all the bank cards in the Card Holder's possession, regardless of the method of recording.
HOW CAN I PAY ONLINE IF I DELETE MY PASSWORD REQUIRED FOR ONLINE SHOPPING?
Once the password has been deleted, it is not possible to authorise bank card payments using a one-time SMS code and online shopping password, unless the password is registered again.
PSD2 is Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services (Payment Services Directive), which regulates payment services and consists of several elements. As of 14 September 2019, it is also applicable in Hungary.
Its main objective is to:
OPEN BANKING
Under the PSD2 Directive, account manager banks are required to establish an open-access technical channel (interface) through which so-called third-party service providers can also access certain customer account data and initiate payment transactions from payment accounts that are accessible online. Such third-party service provider’s access to the data is strictly subject to the customer’s consent.
Call us or contact us online
Visit the CyberShield website (kiberpajzs.hu) to arm yourself against cyber fraud!
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H-1134 Budapest, Váci út 17.
