Loan intermediation

The new version of mobile bank from now on includes the following:

• Information on selected package, corresponding products and on activated products for all holders of packages MOJ S, MOJ M and MOJ L;
• Meter of executed payment transactions and withdrawals at ATMs (for MOJ S, MOJ M and MOJ L package) and
• Option of changing contact data (mobile phone number and email address).

One of the features that are common to all credit cards is the billing period in which the client makes purchases with the card, followed by the automatic payment of the credit card bill for the said billing period on the agreed payment due date (8th, 18th or 28th of the month) or the first following business day. At the end of the billing period (usually 11 days before the agreed payment due date), a statement and (internal) direct debit with the total amount of payments (credit card bill amount) are prepared.

If the client executes an early repayment after the billing period has ended, the following happens:

• your used card limit will be released in the amount of the repayment at the latest on the following business day, which you will also be notified of with a pop-up window. .
  
  

• On the payment due date, a direct debit to your personal account is made for the credit card bill amount,

• as a result, the client will have an overpayment amount on the card account corresponding to the amount of the early repayment. You will also be notified of this in a pop-up window notification that appears between the time the statement is being prepared and the debit date.
  
  

This does not occur during the billing period, as the statement and direct debit for the amount spent with the credit card have not yet been prepared. An overpayment cannot occur if the client pays only the difference between the spending amount and the credit card bill amount after the end of the billing period.

For more information regarding the Repayment order and the Available balance on the card, click +.

MOJ@SKB mobile bank runs on iOS (iPhone) and Android operating systems (Samsung, Sony, Huawei, LG, HTC and others).

iPhone users can find the mobile app in the Apple Store under MOJ@SKB and download it for free.

Users of Samsung, Sony, Huawei, LG, HTC, and other Android phones can find the mobile app in the Google Play Store under MOJ@SKB and download it for free.

After installing the application on your phone, you have to activate the MOJ@SKB mobile bank at the Bank’s outlet where you have opened an account.

The easiest way to make sure you can install the app on your phone is to check which brand it is. The brand is usually written on the front or back of the phone:

• An iPhone is easily recognizable by the distinctive apple logo on the back;
• Android phones are Samsung, Sony, Huawei, LG, HTC...,
• the mobile bank app is not compatible with Lumia phones, because they use the Windows operating system.

If you are not sure which operating system your phone uses, it is best to check with your mobile service provider.

Typically, photos, videos, and other apps use up most of the space on your phone.  We suggest deleting some of the apps, photos, and videos that you rarely or never use or need.

After three consecutive entries of a wrong personal identification number (PIN), the application will be locked temporarily for 30 minutes. After the expiration of 30 minutes, you can again enter the PIN. After repeated three consecutive entries of a wrong PIN, the application will again be locked temporarily for 30 minutes. After a third series of 3 wrong PINs, the mobile bank will be blocked and you will have to download the application again and obtain a new mobile coin.

In case of three combined entries of PIN number in mobile and web bank, with a last entry to the web bank (SKB NET/PRO SKB NET), both mobile and web bank will be locked already after three  wrong entries of a PIN number.

In order to obtain a new mobile coin, please call our Contact centre at (01) 471 55 55 or stop by personally in an outlet.

For security reasons, the application does not work on devices running a jailbroken (Apple) rooted (Android) operating system (devices that do not use the factory version of the operating system or have a modified version of it).

With the MOJ@SKB mobile bank app, your data is very well-protected. 

Thanks to our state-of-the-art technology, you can rest assured that your safety and security are at the highest possible level, when you use MOJ@SKB mobile banking.

You can ensure the highest possible level of safety while using the app, if you follow these simple recommendations:

• Do not use your date of birth, your identity card number, etc. as your Personal Identification Number (PIN).
• If there is a possibility that a third party might have seen your Personal Identification Number (PIN), change it immediately.
• Protect access to your mobile device with a password. Never leave your device unattended with the mobile bank app running. When you finish using your mobile bank, always log out by clicking Logout.

In case of suspected unauthorized use or theft of your mobile device, please call (01) 471 55 55.

We recommend that you change your Personal Identification Number (PIN) every 3 months.

The MOJ@SKB mobile bank app is updated regularly. We recommend that you turn on the automatic updates function. This way, you will always have the latest version of your mobile bank on your phone.

To set up automatic updates on Android:

• Open the Google Play Store app.
• Go to Menu, then tap on Settings and enable Auto-update apps.
• Select the option:
  • Auto-update apps at any time - The app will update over Wi-Fi or mobile data.
  • Auto-update apps over Wi-Fi only.

To set up automatic app updates of each application on Android:

• Open the Google Play Store app.
• Go to Menu, then My Apps and Games.
• Select the MOJ@SKB app and enable automatic updates.
• In the upper right corner, click More options and select Automatic updates.

To set up automatic updates in iOS:

• Go to Settings and then iTunes & App Store.
• Turn on Updates.

You can quickly and easily apply for access to the MOJ@SKB mobile bank through SKB NET and the PRO SKB NET online bank or at any of the Bank's outlets.

To obtain access to the MOJ@SKB mobile bank, you will need:

• a personal account opened with SKB;
• an identity document (identity card or passport).

To use the MOJ@SKB mobile bank, you will also need:

• a smartphone or tablet;
• an updated Android or iOS operating system;
• data transfer enabled.