MONETA Smart Banka vs KB Klíč

Smart Banka app is a free mobile banking app which offers quick and easy way to manage your bank accounts from your phone. You can open our Tom checking account without the need to visit one of our branches. You will have easy access to our services, check your balance, make payments, top up your credit, or find the nearest branch. You can log in using a PIN or via Touch ID. Your PIN will also be used to confirm payment orders which eliminates the need for mobile confirmation. Both downloading and using the app is completely free of charge. How to? Download the app from your App Store, pair with your Internet Banka using the instructions within the app, and start using it. Is it safe? Yes. Digital attacks are very complicated. Logging into the app and payment orders are protected by 4-8 digit PIN number which only you know. Smart Banka also uses encrypted communication with the bank servers. What will you find in the Smart Banka app? • Option to open a checking account without visiting our branch • All your current balances including Bene+ • Transactions • Payment orders • Option to use a payment template or a QR code • Notices about unpaid bills and overdue payments • Map of ATMs with the option to filter out direct deposit ATMs • Credit top up • Temporary or immediate card blocking or unblocking in case of theft or loss • Changing card limits • Overview of your loans • Your investment product development • Current exchange rates • Managing user accounts (private, company, or eDisponent)

The KB Klíč app verifies your identity and safely logs you into MojeBanka online banking and Komerční banka's other online apps. You don't have to enter a texted code and you also authorise payments through the app. You need the following for KB Klíč activation: - KB ID, which you will find in the Electronic Signature Agreement. You can also use your username/email - An activation code that you will receive at a KB branch or when you log into mujprofil.kb.cz otherwise than via KB Klíč The activation guide is available at https://www.kb.cz/en/faq-and-support/how-to-sign-in Set the PIN on the occasion of activation. You can set up your fingerprint if your phone supports them. Komerční banka will never see your fingerprints; they are retained in a secure repository in the phone. If your phone is connected to the internet the request to confirm the activation will be received automatically in your phone. Check and confirm the request. If offline, select 'The device is not connected to the internet' option in your computer. Using the KB Klíč app, scan the pictorial code from the computer's screen. Then confirm the code by the PIN or fingerprint. Finally, type the generated code in your computer. Please note: If you enter an incorrect PIN five times KB Klíč blocks access. You will then activate the apps using an activation code that you will receive in an ATM, at a KB branch or after logging into mujprofil.kb.cz otherwise than via KB Klíč. KB Klíč will not work for you if you have reinstalled software on your phone and your platform (root) is therefore not protected. All of this for the sake of security.