internet banking user guide - texim banken.teximbank.bg/public/upload/editor/internet banking...2...
TRANSCRIPT
INTERNET BANKING
User Guide
Т
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CONTENTS: 1. GENERAL ............................................................................................................................................................... 5
1.1. Capabilities of the Internet banking system ............................................................................ 5
1.2. Users and Clients ..................................................................................................................... 5
1.3. Guarantees and security measures ......................................................................................... 6
1.4. Additional security measure – SINGLE-USE CODE via SMS ..................................................... 7
1.5. Charges and commissions ....................................................................................................... 9
2. REGISTRATION FOR INTERNET BANKING ................................................................................................ 9
2.1. Registration with encrypted electronic signatiure (EES) ....................................................... 10
2.2. Registration without encrypted electronic signatiure (EES) ................................................. 12
2.3. Registration and management of encrypted electronic signatiure (EES) ............................. 14
3. LOGIN TO THE INTERNET BANKING SYSTEM ....................................................................................... 15
4. LIST OF SESSIONS. FORGOTTEN ACCESS PASSWORD ........................................................................ 18
5. REPORTS ............................................................................................................................................................ 22
5.1. Reports on active accounts ................................................................................................... 22
5.2. Reports on closed accounts ................................................................................................... 23
6. CASH TRANSACTIONS ................................................................................................................................... 24
6.1. Request for cash withdrawal with notice .............................................................................. 24
7. ACCOUNTS ......................................................................................................................................................... 25
7.1. Opening an account – current, deposit, savings deposits ..................................................... 25
7.2. Opening a deposit or savings account (deposit) ................................................................... 27
7.3. Closing an account ................................................................................................................. 30
7.4. Total accounts per client ....................................................................................................... 33
7.5. Account information ............................................................................................................. 34
7.6. Blocking client’s accounts ...................................................................................................... 35
7.7. Rights and limits of representatives ...................................................................................... 35
7.7.1. Request for access to an account .................................................................................. 38
7.8. Limits on accounts ................................................................................................................. 43
7.9. Signature Rules ...................................................................................................................... 45
7.9.1. Entering signature rules ................................................................................................ 46
7.9.2. Cancellation/Change of the ‘Request for signature rule’ .................................................. 48
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7.10. .Employees’ rights ............................................................................................................. 48
8. REGISTRATION OF REPRESENTATIVES. CHANGE OF REPRESENTATIVES RIGHTS ................. 49
8.1. Registration of representative for accounts of individuals and legal entities ........................... 51
8.2. Change of the rights of representatives. Rights and limits of representatives ..................... 59
8.2.1. Cancellation of rights of representatives - proxies ....................................................... 60
8.2.2. Change of rights of representatives - proxies ............................................................... 61
8.2.3. Cancellation and change of rights of representatives - holders .................................... 62
9. TRANSFERS ....................................................................................................................................................... 62
9.1. Payment order for another bank .......................................................................................... 63
9.2. Transfer to accounts in the Bank ........................................................................................... 64
9.3. Foreign currency transfers via SWIFT and Bisera 7 ............................................................... 65
9.3.1. Foreign currency transfers via SWIFT ............................................................................ 65
9.3.2. Foreign currency transfers via Bisera 7 - EUR ............................................................... 67
9.4. Mass payments ...................................................................................................................... 68
9.5. Consent for direct debit ........................................................................................................ 70
9.6. Payment order for direct debit ............................................................................................. 71
9.7. Ordered documents .............................................................................................................. 72
9.8. Ordered documents for a period .......................................................................................... 73
9.9. Received foreign currency transfers and transfers in BGN ................................................... 73
9.10. Mass confirmation of documents ..................................................................................... 74
9.11. Cancellation of waiting transfers ....................................................................................... 76
10. BANK CARDS ............................................................................................................................................ 79
10.1. Card issuance ..................................................................................................................... 79
10.2. Request for credit card ...................................................................................................... 83
10.3. Bank card activation .......................................................................................................... 92
10.4. Blocking/Unblocking .......................................................................................................... 92
10.5. Unblocking wrong PIN ....................................................................................................... 93
10.6. Blocked amount for card transactions .............................................................................. 93
10.7. Change of limits ................................................................................................................. 93
10.8. Reissuance ......................................................................................................................... 93
10.9. New PIN ............................................................................................................................. 94
10.10. Disabling ............................................................................................................................ 94
10.11. Code word ......................................................................................................................... 94
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10.12. Access to bank cards ......................................................................................................... 94
10.13. Installments on credit cards .............................................................................................. 95
10.14. Automatic repayment of credit cards ............................................................................... 96
10.15. SEARCH BY KEYWORDS ...................................................................................................... 99
11. AUTHORIZATION OF THIRD PARTIES TO ISSUE AND MANAGE BANK CARDS ................. 99
12. LOANS ...................................................................................................................................................... 102
12.1. Reference information .................................................................................................... 102
12.2. I would like to receive a loan offer .................................................................................. 103
12.3. Proposal of the Bank and Loan Application .................................................................... 105
12.4. Loan Application – completion and review ..................................................................... 107
13. REGULAR PAYMENTS ......................................................................................................................... 110
13.1. Automatic fixed transfers ................................................................................................ 110
13.2. Automatic transfer of amounts ....................................................................................... 112
13.3. Automatic replenishment of accounts ........................................................................... 114
13.4. Change of parameters/cancellation ................................................................................ 116
14. SEARCH BY KEYWORDS ..................................................................................................................... 117
15. SUITABLE PROPOSALS AND NEW PRODUCTS ........................................................................... 119
15.1. Suitable proposals ........................................................................................................... 119
15.2. New products .................................................................................................................. 120
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1. GENERAL
1.1. Capabilities of the Internet banking system
TEXIM BANK AD provides the following services, which the Client can also receive via the Internet banking
system::
□ Bulgarian and foreign currency payments in the country and abroad;
□ Express interbank BGN payments via the RINGS system;
□ Mass payments;;
□ Automatic fixed transfers;;
□ Opening and closing current accounts in Bulgarian and foreign currency;;
□ Submission of requests for issuance of bank cards;
□ Performance of actions for management of bank cards;
□ Reference information about operations performed with bank cards;
□ Opening and closing deposit accounts in Bulgarian and foreign currency;
□ Opening and closing savings deposits in Bulgarian and foreign currency;
□ Assignment of rights and limits on bank operations to persons authorized by the client;
□ Purchase and sale of foreign currency;
□ Negotiation of exchange rates in performing transfers and purchase and sale of foreign currency;
□ Reference information and reports for all accounts opened in TEXIM BANK AD;
□ Reference information on the status of loan obligations of individuals;
□ Applying for a loan by an individual;
□ Receiving a personal offer for a loan to an individual;
□ Submitting a request for cash withdrawal;
□ Consent for direct debit.
1.2. Users and Clients
“User” shall mean any individual who is registered in the Internet banking system of TEXIM BANK AD with
rights designated by the holder and specified in the Registration request. The user can be an individual with the
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relevant rights of a holder or a proxy to perform actions via the Internet banking system, as described further
in this Guide.
“Clients” can be all individuals and legal entities on whose behalf and for whose account actions are performed
in the Internet banking system of TEXIM BANK AD, as follows:
Individuals having a personal encrypted electronic signatiure /EES/;
Legal entities through their legal representatives and/or authorized individuals having a personal
encrypted electronic signatiure /EES/;
When applying for registration in the Internet banking system, the Client or User need not have an opened
account in the Bank.
1.3. Guarantees and security measures
The security of the Internet banking system is provided by:
Encryption of the information between the user web browser and the Bank web server using an https connectivity protocol;
Ensuring the user identification and access to the system through the mandatory use of a personal encrypted electronic signatiure (EES), a username and a password. The system allows use of EES from all legal providers of certification services in Bulgaria;
Single code for EES management and registration in the Internet banking system. The additional obligations and responsibilities of the client/user in relation to security, when using the Internet banking service, are as follows:
To keep the specified PIN, EES, username and password from unauthorized access, not to communicate them and to store them at safe locations that are not accessible to third parties, apart from the EES technical carrier, and to keep them from the computer used to operate in the Internet banking system of TEXIM BANK;
The personal identification number (PIN) for EES and the username and password shall be personalized security features within the meaning of the Payment Services and Payment Systems Act in the use of Internet banking service;
The personal encrypted electronic signatiure (EES) and the password and username used to log into the Internet banking system are an electronic signature within the meaning of the Electronic Document and Electronic Signature Act (EDESA) and have the effect of a handwritten signature affixed by the user; Each login to the Internet banking system carried out through the personal EES of a user and each entering of username and password shall identify the user as an author of an electronic statement and/or electronic document in the Internet banking system and such are considered personally signed by the user;
In case of loss, theft, access by third parties or any other action not unauthorized by a user with the personalized security features and/or technical carrier of EES, as well as in case of any reasonable doubt as to the occurrence of these events, the client/user shall immediately notify TEXIM BANK AD by any of
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the agreed methods and means of communication (telephone, fax, e-mail, mail or in an office of the Bank);
Access to the Internet banking system shall be carried out from a computer that meets the following security requirements:
- To have an updated operating system; - To have installed antivirus software with current definitions which are updated daily; - To have correct firewall settings; - To use a user account in the operating system with limited rights; - All installed applications to have the latest updates or updates ensuring a maximum level of
security; - If possible, the computer equipment to be equipped with privacy filters, if used at a public place.
In case of a failure to perform any of the above-stated security obligations, including, but not limited to, in the use and protection of PIN, EES, username or password, or any other obligation, TEXIM BANK AD shall not be liable for any damage suffered by the client/user or by third parties using the Internet banking service. TEXIM BANK AD shall not be liable for any damage suffered by the client/user or by third parties and in case the computer, from which the system is being accessed, is compromised by malicious software such as: viruses, remote control applications, root kits or intentional actions of third parties qualifying as cyber crimes.
1.4. Additional security measure – SINGLE-USE CODE via SMS
For additional security a single-use code is introduced, which will be used upon initial order to a specific IBAN and will not be necessary for IBAN of recipients, to whom payment has already been made. This includes the following types of transfers:
- Payment order for another bank; - Transfer on account in the Bank; - Foreign currency transfers via SWIFT and BISERA 7; - Automatic fixed transfers; - Automatic transfer of amounts;
This single-use code will be required for: - Initial entry/ change of the transactions described in Point One; - Mass payments order; - Payments with a 10 digit code;
A code will not be required for:
- Payment of utility bills; - Transfer between own accounts.
The GSM number to obtain a single-use code can be changed.
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Registration of a GSM phone or change of a GSM number is performed from the button to the left of your name, the icon for editing, which is located in the upper left corner with the personal data of the individual on the dashboard.
The phone number and the operator who operates it are entered. It is continued with the ‘View’ button.
On the next window the field ‘Enter code you have received via SMS’ is generated. The action is confirmed with the ‘OK’ button.
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After entering the necessary details to perform the operation, the ‘View’ option is selected and a window of the entered data and the option ‘Enter SMS code’ is displayed.
The code received via SMS is entered and confirm by clicking the ‘OK’ button. Explanation: In a situation where the individual who enters the code (for example: accountant) is different from the individual who confirms it (for example: holder), the time of entry/ change of the code, at which the individual must carefully check and ensure that the written account of the recipient is the correct account, is important.
1.5. Charges and commissions
Registration of clients of the Bank in the Internet banking system may be made for individuals and legal
entities.
Clients who are individuals shall register and use the Internet banking system with a personal EES issued
in their name.
Clients who are legal entities shall register and use the Internet banking service with a personal EES of an
individual after identification of the registered legal entity in an office of the Bank and definition of the
accounts (of legal entity), on which the user – individual is allowed to perform the relevant actions.
2. REGISTRATION FOR INTERNET BANKING
Registration of clients of the Bank in the Internet banking system may be made for individuals and legal
entities.
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Clients who are individuals shall register and use the Internet banking system with a personal EES issued in
their name.
Clients who are legal entities shall register and use the Internet banking service with a personal EES of an
individual after identification of the registered legal entity in an office of the Bank and definition of the
accounts (of legal entity), on which the user – individual is allowed to perform the relevant actions.
2.1. Registration with encrypted electronic signatiure (EES)
For the purpose, perform the following steps:
Step 1
Before running the web browser, affix the encrypted personal signature in the USB port of the computer.
Step 2
Start the web browser. Enter the system URL address - https://web.teximbank.bg/en
Step 3
Select the menu ‘Registration’.
Step 4
Select the menu ‘Registration of User with Encrypted electronic signatiure’.
Step 5
Select the electronic signature and enter the PIN code.
Step 6
Details of the certificate will be displayed on the screen. If you have more than one valid certificate, select the
one you will work with in the system. Click the ‘ОК’ button
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Step 7
On the next window, fill in the following fields:
- Individual person details - name of individual, country issuing the personal identity document, number
of the personal identity document;
Details of the user being an individual person: username, password and password confirmation;
E-mail: the e-mail address must be valid and correct because it will be used fo receiving the e-mail from
the Bank confirming the registration.
Step 8
After selecting the ‘Review’ button, a window will appear to verify the registration data. You will receive an e-
mail to the address indicated by you with a link to confirm.
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Step 9
The Internet banking service registration will be activated in an office of the Bank that you must visit within 7
calendar days after confirming the e-mail for registration.
2.2. Registration without encrypted electronic signatiure (EES)
Step 1
Start the web browser. Enter the system URL address - https://web.teximbank.bg/en
Step 2
Select the ‘Registration’ menu.
Step 3
Select the ‘Registration of User without Encrypted electronic signatiure’ menu. Fill in the following details:
- Name
- Personal Number
- Country issuing the document
- Document number
- Username
- Password
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- Password confirmation
- E – mail: the user will receive a link to the specified e-mail address to confirm the new user request;
Step 4
After clicking the ‘Review’ button, a window will appear to verify data and confirm them with a security code.
Enter the code and click the ‘OK’ button to continue registration. You will receive an e-mail with a link to the
registration to confirm.
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Step 5
The Internet banking service registration will be activated in an office of the Bank that you must visit within 7
calendar days after confirming the e-mail for registration.
2.3. Registration and management of encrypted electronic signatiure (EES)
Registration of EES certificate is required, when the initial registration in the Internet banking system has been
made without an EES or the EES certificate has been reissued for any reason.
Step 1
Before running the web browser, affix the encrypted electronic signatiure in the USB port of the computer.
Step 2
Start the web browser. Enter the system URL address - https://web.teximbank.bg/en
Step 3
Select the ‘Certificate management’ menu.
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Step 4
An active line ‘Registration of Encrypted electronic signatiure’ and a window with EES details will be displayed.
If you have more than one valid EES certificate, you can select the one with which you would like to be
registered in the system. Enter the PIN code of the certificate.
If the PIN code is entered correctly and the EES is valid, details of the certificate will be displayed on the screen.
Confirm the action by clicking the ‘OK’ button.
Step 5
On the next window, details of the certificate and user will be displayed.
Enter the single-use code generated from the ‘Registration/change to carry out banking transactions request’
document a copy of which has been provided to you in the Bank office upon confirming your registration.
You can also receive a generated single-use code when visiting an office of the Bank.
Once generated, the code remains the same until it is used. After its use the system will automatically generate
a new code to be used by you in repeated actions for the EES certificate registration or management.
The message ‘Certificate has been registered successfully!’ will appear on the screen.
3. LOGIN TO THE INTERNET BANKING SYSTEM
When you log into the Internet banking system, a menu of the main functions will appear:
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When an action is selected by the user, an additional drop-down menu with options will appear for each
tab (function).
For example: When selecting ‘Reports’, the possible options for generation of ‘Reports’ will be displayed as a
drop-down menu, as follows:
- Account statement for a day;
- Account statement for a date;
- Account statement for a period;
- Transactions for a day;
- Transactions for a period.
All accounts of the user/client will be displayed on the home screen with details of the their balance,
IBAN, currency of the account, blocked amounts, interest rate and other information.
On the home screen with details of the client, by clicking the button the user can edit his/her data for
contact – е-mail, telephone, correspondence address.
On the home screen with details, in ‘Messages’, the user can review the messages and notices of the
Bank.
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On the home screen, in ‘Contacts’ which is located in the upper right corner, the contact details of the
Bank - telephones and e-mail to be used in case of any questions or need for help to operate in the
Internet banking system - will be displayed.
On the home screen, with ‘Options’ which is located in the upper right corner, the user can change his/her
access password.
After completing the work in the Internet banking system, the user must use the option ‘Exit’, which is
located in the upper right corner of the screen.
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The ‘Reports’ menu which is located just below ‘Exit’, provides the user with an option to receive reports
on exchange rates, arbitration rates, central exchange rates, a list of sessions in the Internet banking
system, bank data for transfers in Bulgarian and foreign currency.
4. LIST OF SESSIONS. FORGOTTEN ACCESS PASSWORD
Forgotten access password
If the password for access to the Internet banking system is forgotten, the user can state his/her new
password through the active link ‘Forgotten password’ for the relevant username and must visit an office
where the password will be validated by a bank officer.
Requirements for the access password: The password must contain at least 7 characters – numbers and
letters.
Change of password
The password can be changed in ‘Options’ by clicking the ‘Change password’ button.
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Enter and confirm the new password. Click the ‘Review’ button.
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A new window will appear and by entering the former password and clicking the ‘OK’ button, the
password change will be confirmed.
List of sessions
When selecting the ‘List of sessions’ report, the following information on sessions will be displayed on the
screen:
- User;
- Active – Yes/No;
- Session start;
- Last access;
- Expires – provides information about the session duration;
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- Login from – the IP address of the computer from which access to the Internet banking system has
been carried out, will be displayed.
Wrong username or password
If a wrong username or password is entered, an error window will be displayed. In case of 10 wrong attempts to enter username and password, the account will be locked for 1 hour.
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5. REPORTS
5.1. Reports on active accounts
The ‘REPORTS’ menu contains reference information concerning statements and transactions on bank
accounts for
- Day;
- Date;
- Period.
Select the account, for which a statement / report on transactions will be generated.
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From the ‘Reports’ menu, select the appropriate action depending on the desired report.
A window will be displayed with the selected account and period (if the report is for a period), for which
the statement is generated.
Click the ‘OK’ button to generate the statement and to print it, if necessary.
5.2. Reports on closed accounts
Statement/report on transactions for a past period can be generated also for closed accounts.
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Select the ‘REPORTS’ menu, respectively statement/report on transactions for a period. In the drop-down
menu of accounts, select the closed account and set the period for which a report is requested. Confirm
with the ‘OK’ button to generate the statement and to display it on the screen.
6. CASH TRANSACTIONS
6.1. Request for cash withdrawal with notice
This option allows the user to request cash withdrawal in advance, in a preferred Bank office without
visiting it and to deposit a written request for withdrawal.
Enter the request from the ‘CASH TRANSACTIONS’ menu – ‘Request for cash withdrawal with notice’:
- Select the account, from which cash withdrawal with notice will be performed;
- Enter the transaction amount;
- Enter the date on which the user will visit the Bank office to withdraw the requested amount;
- Select the Bank office from which the amount will be withdrawn.
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After the request is confirmed, you must visit the selected Bank office on the specified date to withdraw
the requested amount.
Charges and commissions for requested and withdrawn/not withdrawn amounts will be in accordance
with the Bank Tariff.
7. ACCOUNTS
In the ‘ACCOUNTS’ menu you can perform the following actions:
Open and close accounts; Set rights and limits of representatives for specific accounts; Define rules for signing payment orders for specific accounts; Set limits on transfers for specific accounts; Receive information about available blocked accounts, etc. Set rights for visibility and transactions on the accounts for a particular Bank office.
7.1. Opening an account – current, deposit, savings deposits
From the ‘ACCOUNTS’ menu, the ‘Opening an account’ option, the user may open a current account, a term
deposit or a demand savings deposit.
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After selection of the account type, the following fields will gradually unfold to fill in information as follows:
- Currency, in which the account will be opened;
- Duration (of deposit);
- Deposit amount – the amount to be transferred or deposited cash in the Bank within the day of opening
the account;
- Method of notification;
- Frequency of notification.
When selecting the ‘Fund account’ option, you can transfer funds to your newly opened account from
another account in the Bank.
Funds on the account can also be transferred after its opening via Internet banking, by bank transfer or
cash in any office of the Bank.
By clicking the ‘Confirm’ button, the procedure for opening and/or funding a bank account will be
finalized.
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By confirming opening the account and entering your password, you can sign the following documents
with an electronic signature:
- Bank/payment account opening request;
- Framework Agreement for opening current account/ Agreement for opening a term deposit/
Agreement for opening a savings account;
- General Terms and Declarations which will be displayed in the system and, if necessary, can be
printed;
After confirming and signing the documents in the system, the newly opened account will be available for
operations on the main screen.
When opening the account, if the ‘Fund account’ option is selected and after it is confirmed, a transfer
order from one of your other accounts will be uploaded on the screen by following the steps described in
section ‘TRANSFERS’ below.
7.2. Opening a deposit or savings account (deposit)
The ‘ACCOUNTS’ menu – ‘Open a deposit’ tab – allows to open a deposit or savings account directly,
quickly and easily.
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If this option is selected, the current interest rates that the Bank accrues on the specified savings products
for specific maturities will be displayed in a tabular form.
Select the specific interest rate, depending on the selected currency and maturity;
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A window with details of the account will be displayed and the following fields have to be filled in:
- ‘Deposit amount’ – the amount to be transferred or deposited cash in the Bank within the day of opening the account;
- ‘Method of notification’ – the method by which you would like to receive account statements;
- ‘Frequency of notification’ – the frequency with which you would like to receive them; - ‘Fund an account’ – this option is selected when you would like to fund a newly opened account
by transferring funds from any other of your accounts in the Bank.
By clicking the button ‘Confirm’ the procedure for opening a deposit/deposit account will be finalized.
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After confirming the account opening and after entering your password, you can sign the following
documents with an electronic signature:
- Bank/payment account opening request;
- Agreement for opening a term deposit/Agreement for opening a savings account;
- General Terms and Declarations which will be displayed in the system and, if necessary, can be
printed.
When opening the account, if the ‘Fund account’ option is selected and after it is confirmed, a transfer
order from any of your other accounts will be displayed on the screen by following the steps described in
section ‘TRANSFERS’ below.
7.3. Closing an account
To close an account select it from the list of accounts and then select the option ‘Close account’ from the
function ‘ACCOUNTS’ menu.
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If the account that you want to close is a deposit or savings account, select the ‘Terminate deposit’ option whereby if there is unaccrued interest on the account, the interest will be accrued.
If funds are available on the account, the amount can be transferred to an account in the Bank or to an account in another bank by selecting the option for transfer.
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If the account to be closed is a current account, the Bank will charge a fee for closing a current account
according to its current Tariff, if the account was opened not more than 12 months ago. In this case funds
must be provided which are sufficient to pay the fee. The fee can be deducted from another account of
the client in the Bank, as for this purpose the particular account must be selected from the drop-down
menu of the field ‘Account for fee’.
Select the field ‘Close account’. Confirm the entry by clicking the ‘OK’ button.
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Click the ‘Confirm’ button to complete the procedure for closing a current/deposit/savings account.
After confirming the account closing and entering his/her password, the user can sign the following
document with an electronic signature:
- Account closing request which will be displayed in the system and, if necessary, can be printed.
7.4. Total accounts per client
From the ‘ACCOUNTS’ menu – ‘Total accounts per client’ information will be displayed about all active
and closed accounts, including their interest rate, maturity and balance.
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An option is also available to print the report.
7.5. Account information
This report provides the following information about the account selected by the user:
- Date of opening;
- Currency;
- Interest rate;
- Available balance;
- Potential interest (current interest)
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7.6. Blocking client’s accounts
This option provides information about available blockings on accounts, if any.
7.7. Rights and limits of representatives
From the main menu, select ‘ACCOUNTS’ – ‘Rights and limits of representatives’.
This option provides information about the representatives of a client, authorized under section 8 of this
Guide, and their rights to dispose of specific bank accounts. The option also allows for changing set
rights/limits.
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In the ‘Provided/Changed by’ field, details of the principal – holder will be displayed and in the ‘Provided
to’ field – details of the authorized person (proxy).
By clicking the button the user can review and, if necessary, verify the entry made by displaying the
following details:
- Details of representative;
- Office rights;
- WEB rights.
Details of representative
Details of the rights of the representative are displayed and, if necessary, changed by the holder.
The option ‘Prohibition to change rights and limits via WEB’ is used, when the principal does not want the
proxy to change the rights and limits on the accounts via the Internet banking system.
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Office rights
This tab displays the proxy rights, including to dispose of specific accounts in a Bank office, the scope of
operations that can be performed, the validity of rights provided.
Set limits may also be available for:
- Transfer to another account in an office – per transaction, per day, per week, per month;
- Cash withdrawal in the office – per transaction, per day, per week, per month.
WEB rights
This tab displays the rights provided to the proxy, including to dispose of specific accounts via the Internet
banking system, the scope of operations that can be performed, the validity of rights provided.
Set limits may also be available for:
- Transfer to another account via WEB – per transaction, per day, per week, per month;
- Request with delivery via the WEB – per transaction, per day, per week, per month.
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Change
If necessary, the ‘Change’ button can be used to make changes desired by the holder (addition or
removal/termination) concerning the representative and the rights provided for the selected account, as
follows:
- Representative – description;
- Method of notification;
- Method of disposal via the WEB;
- Office rights – the rights specified by the system to perform specific actions and the validity of the
provided rights to perform a specific transaction – refer to the description in paragraph 7.7.1.
- WEB rights - the rights specified by the system to perform specific actions and the validity of
provided rights to perform a specific transaction – refer to the description in paragraph 7.7.1.
7.7.1. Request for access to an account
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This option allows the user – holder to request access to specific new accounts of his/her representative –
proxy and change existing rights on accounts.
For this purpose, select 'Rights and limits of representatives’ - the ‘Request for access to an account’ tab
from the main menu ‘ACCOUNTS’.
If changes are made to existing rights on accounts, in section ‘Representative’, select a proxy and an account for which the changes will be made. Successively in the sections ‘Office rights’ and ‘WEB rights’,
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select/unselect the specific rights and, if necessary, set rights limits and validity. By clicking the ‘OK’ and ‘Confirm’ buttons the changes made will be activated.
When adding new rights of a representative for a new account, fill in and select data consecutively in the
‘Representative’, ‘Office rights’, ‘WEB rights’ sections.
- In the ‘Representative’ section, the ‘Provided to’ field, select the representative to whom the rights
will be provided;
- In the drop-down menu of the ‘Account’ field, select the account for which the specific rights will
be provided;
- In the ‘Method of disposal via WEB’ field, select the right of disposal from the drop-down menu.
In the ‘Office rights’ section, the ‘Right for’ subsection, select the specific rights to be provided to the
representative to perform transactions in a Bank office.
- When selecting the right to ‘Set limits’, the additional ‘Limits on transfer to another account’ and
‘Limits on cash withdrawal’ fields will be displayed which, after filling in, will determine the
transaction, daily, weekly and monthly limits for the specific transaction – transfer to another
account or cash withdrawal in an office of the Bank.
- In the ‘Validity’ section, if necessary, specify the date of validity (dd/mm/yy) of the rights set.
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In the ‘WEB rghts’ section, the ‘Rights for’ subsection, select the specific rights to be provided to the
representative to perform transactions via the Internet banking system.
- When selecting the right to ‘Set limits’, the additional ‘Limits on transfer to another account’ and
‘Limits on request with delivery’ fields will be displayed which, after filling in, will determine the
transaction, daily, weekly, monthly limits for the specific transaction – transfer to another account
or requested withdrawal delivered by the Bank by collection.
- In the ‘Validity’ section, if necessary, specify the date of validity (dd/mm/yy) of the rights set.
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Rights can be added by clicking the ‘OK’ button. Rights can be confirmed by clicking the ‘Confirm’ button
and entering the access password whereby the specific right will be activated. Only a representative –
holder has the right to confirm.
If the holder makes changes in the order specified in paragraph 7.7 and/or paragraph 7.7.1 above, which
consist in adding new rights to dispose of accounts or rights to issue or manage cardsfor which the
representative has not been authorized by the client under section 8 of this Guide, the Client must submit
a power of attorney with notarized signatures to an office of the Bank, specifying the new rights of the
representative - proxy.
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7.8. Limits on accounts
The ‘Limits on accounts’ menu allows the user to set transaction limits on transfers and cash
withdrawal/request with delivery for specific accounts. Limits can be per transaction, per day, per week,
per month, depending on the client/user’s decision and wish.
From the ‘ACCOUNTS’ main menu – ‘Limits on accounts’ option, select ‘Request for limits on accounts’.
In the ‘Account details’ tab, select the account for which limits will be set. If automatic fixed transfers are
registered to the account, select the ‘Automatic fixed transfers without limits’ field so as not to affect
their performance.
In the ‘Office rights’ tab, set:
- Limits on transfer – per transaction, per day, per week, per month, and date of limit;
- Limits on cash withdrawal – per transaction, per day, per week, per month, date of limit;
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In the ‘WEB rights’ tab, set:
- Limits on transfer via the WEB – per transaction, per day, per week, per month, date of limit;
- Limits on request for cash withdrawal via the WEB – per transaction, per day, per week, per month,
and date of limit.
Click the ‘Review’ and ‘OK’ buttons whereby the entry will await confirmation by the holder. The holder
may cancel the request by clicking the ‘Request cancel’ button..
The entry will be confirmed and the documents are signed by the holder after entering the password. The
system will display a message for a successful change. If necessary, the document of the performed
operation can be printed.
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7.9. Signature Rules
Through ‘Accounts’ – ‘Signature Rules’, the user can define rules to sign payment orders for a specific
account via the Internet banking system. Signature shall mean whether a particular WEB user has
validated a particular document. Signatures can be the following types:
Types of signatures
Meaning of the right
First signature, valid independently
The user has the right to carry out banking transactions on the accounts independently
First signature, valid jointly
The user has the right to carry out banking transactions on the accounts jointly with another user with a first or second signature
Second signature, valid jointly
The user has the right to carry out banking transactions on the accounts jointly with another user with the first signature
The signature rules will be valid only for the Internet banking system.
This option allows for defining rules for performance and validation of payment orders for specific
accounts by registered users.
After confirming any action to enter/cancel/change a signature rule and entering the password, the user
will put an electronic signature on the declarations which are displayed on the screen before confirmation
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and accepting the General Terms and Conditions to the Framework Agreement for opening and
maintenance of bank payment account and performance of payment transactions, and the Tariff of
Interests Rates, Charges and Commissions of TEXIM BANK AD.
7.9.1. Entering signature rules
A signature rule can be entered for a specific account through the ‘Accounts’ menu – ‘Request for a new
signature rule’ – ‘New entry’.
- Select the account for which the signature rule will be entered.
- Specify the transaction amount above which the rule will be valid. If it is valid for all transactions,
no value is filled in.
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- Fill in the ‘Number of first signatures’ field which is mandatory. Depending on the entered number,
performance of the payment order will require the specified number of users with fist signature.
- After entering the request, click the ‘Review’ button, then the ‘ОК’ button, whereby the signature
rule request will await confirmation by the holder.
- The holder confirms the request by entering his/her access password, whereby the rule is
activated.
Example 1
If a rule for signing payment orders has been entered for a particular account for an amount above BGN 50
000, the number of first signatures - 1 and the number of second signatures – 1 shall mean that for the
particular account, for transfers above BGN 50 000, performance of the payment order will require the
following signatures:
- 1 user with ‘Second signature, valid jointly’, who will enter the payment order;
- 1 user with ‘First signature, valid independently’ or ‘First signature, valid jointly’, who will validate its performance.
A reverse combination is also possible in the sequence of actions and signatures by the two users; the
important point is that the signature rule (number of signatures) is met.
Example 2
If a rule for signing payment orders has been entered for a particular account for an amount above BGN 50
000, the number of first signatures – 2 shall mean that for the particular account, for transfers above BGN 50
000, performance of the payment order will require the following signatures:
- 1 user with ‘First signature, valid jointly’, who will enter the payment order;
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- 1 user with ‘First signature, valid independently, who will validate the payment order;
A reverse combination is also possible in the sequence of actions and signatures of the two users; the
important point is that the signature rule (number of signatures) is met.
Example 3
If a rule for signing payment orders has been entered for a particular account for an amount above BGN 50
000, the number of first signatures – 1 shall mean that for the particular account, for transfers above BGN 50
000, performance of the payment order will require the following signatures:
- 1 user with ‘First signature, valid independently’, who will execute the payment order;
7.9.2. Cancellation/Change of the ‘Request for signature rule’
It is performed in the ‘Accounts’ menu – ‘Signature Rules’. From the list displayed, select the entry for the specific account that will be cancelled. With the ‘Review entries’ button the corresponding entry will be displayed.
If the ‘Change’ button is selected, the specific rule for signature can be corrected. By clicking the ‘Cancel right to sign’ button and entering the password, the signature rule for the specific account will be cancelled.
Only representatives – holders have the right to confirm actions for cancellation and change of ‘Request for signature rule’.
7.10. .Employees’ rights
This function is used when a client wishes to be served in a particular office of TEXIM BANK for specific
accounts, which will not be accessible/visible to other offices of the Bank.
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The client/user has the option to select to be served by an office of the Bank as regards all his/her
accounts or a particular account.
The client/user has the option to set rights only for visibility of the accounts for a particular office without
the option to dispose.
By clicking the ‘Confirm’ button and entering the passward, the user - holder will sign the ‘Request to
set/change employee’s rights on accounts’ with an electronic signature and activate the change made.
If necessary, the request can be printed with the ‘Print’ button..
8. REGISTRATION OF REPRESENTATIVES. CHANGE OF REPRESENTATIVES
RIGHTS
By the ‘registration/change of representative’ function the Internet banking service provides an option to any
WEB user:
- to create new users alone; - to provide and restrict rights of third parties to dispose of customer accounts both via the WEB and
from a Bank office; - to set limits on transfers and cash withdrawal; - to provide rights for a particular account or for all accounts already opened;
- to enter rules for signing payment documents.
These options can be used by any user of the Internet banking service and validation and finalization of the
registration/change is made in a Bank office by submitting evidence of the legal rights of the representative or
notarized power of attorney specifying the specific rights provided to the new user.
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□ Types of representatives
A. Holder
Holder of a client - individual person is the individual itself, and of a client – a legal entity - each representative
by law or by proxy.
B. Proxy
Proxy of a client - individual person and legal entity is any person authorized by the holder by submitting
notarized power of attorney.
The power of attorney must explicitly and exhaustively specify the type and scope of actions that the proxy is
authorized to perform on behalf of and on the account of the client.
□ WEB users, who are holders, may authorize third party representatives via the Internet banking system
with the following rights or a combination there of:
Rights to dispose of bank accounts by a representative - holder/proxy
Type of right *Office Rights **WEB Rights
Entry of a payment order
Information on balance
Receipt of statements
Issuance of bank cards
Management of bank cards
Order to be executed on a future
date
Transfer to another account
Request with delivery/cash
withdrawal
Disposal only between own
accounts
Setting transaction limits
Prohibition on change of rights and limits via the WEB
WEB users, who are proxies, may not assign their powers to third parties. A representative – proxy may only
make an entry for a representative in the Internet banking system, which must be confirmed by the holder in
an office of the Bank.
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The office and/or WEB rights provided by the holder take effect after validation by the holder of the request in
an office of the Bank and depositing notarized power of attorney as per a form of TEXIM BANK by the holder or
proxies, in which the rights provided to them are described. The representative of the client, who is authorized
by the holder, may only perform actions that are related to his/her rights provided according to the notarized
power of attorney.
8.1. Registration of representative for accounts of individuals and legal entities
Any WEB user, who is the holder of client’s accounts, can register a representative – holder or proxy – through
the ‘Clients’ dashboard:
Step 1
Select the ‘Requests for representatives‘ option;
Step 2
Click the ‘Request for a new representative’ button;
Step 3
A window ‘Representative’ will be displayed with details of the representative to be filled in:
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In the ‘Details of representative’ section, enter the personal data of the representative and details of the
identity document.
In the ‘Rights of representative’ section, select the form of representation: ‘Holder’ or ‘Proxy’;
Important! For representatives of a client - legal entity, details of the representation form, the disposal
method and period are filled in according to the company file.
A client - individual person must select the form of representation: proxy, if he provides rights on his/her
accounts to a third party.
- If the form of representation ‘Holder’ is selected, the holder may authorize third parties with
his/her rights. The rights of a Holder may not be cancelled or restricted by another Holder in the
Internet banking system without validation in an office of the Bank. Selecting a form of
representation ‘Holder for more than one user applies only to clients - legal entities.
- If a form of representation ‘Proxy’ is selected, the authorized representative may not assign his/her
powers to third parties. The rights of a representative – Proxy may be cancelled by a Holder in the
system without the holder having to visit an office of the Bank.
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In the ‘Rights of representative’ section, select ‘Method of disposal by registration’ (this field is mandatory
to select for registration of representatives of legal entities and the method of disposal is indicated
according to the company case):
- Selecting the ‘First signature, valid independently’ option shall mean that the representative –
proxy or holder has the right to carry out banking transactions and any other actions within the
rights provided to him/her independently.
- Selecting the ‘First signature, valid jointly’ option shall mean that the representative – proxy or
holder has the right to carry out banking transactions and any other actions within the rights
provided to him/her only jointly with another holder/proxy with the right of fist signature or of
second signature.
- Selecting the ‘Second signature, valid jointly’ option shall mean that the the representative – proxy
or holder of a client - legal entity, which according to registration is represented by more than one
individual, has the right to carry out banking transactions and any other actions within the rights
provided to him/her only jointly with another holder/proxy with the right of first signature.
- If the user fails to choose any of the above-described three options for method of disposal, then
the representative – holder or proxy shall not have the right to dispose of the client’s accounts, but
only see the balances and statements on them.
In the section ‘Access via WEB’, when a representative of a legal entity is registered, the method of
disposal of all accounts via the WEB must be determined, which is analogous to the method of disposal
upon registration. The following options are possible:
- ‘First signature, valid independently’ shall mean that the representative – proxy or holder has rights
to carry out banking transactions and any other actions in the Internet banking system within the
rights provided to him/her independently.
- ‘First signature, valid jointly’ shall mean that the representative – proxy or holder has rights to
carry out banking transactions and any other actions in the Internet banking system within the
rights provided to him/her only jointly with another holder/proxy with the right of first signature or
of second signature.
- ‘Second signature, valid jointly’ shall mean that the representative – proxy or holder of a client –
legal entity, which according to registration is represented by more than one individual, has rights
to carry out banking transactions and any other actions in the Internet banking system within the
rights provided to it only jointly with another holder/proxy with the right of first signature.
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In the section ‘Access via WEB’, a WEB user – holder has the option to restrict the rights of the
representative.
For example:
- By selecting the ‘Prohibition to dispose of all accounts via WEB’ option, restriction of the rights of
the representative – holder or proxy can be made so that bank transactions can only be performed
in the offices of TEXIM BANK.
- By selecting the ‘Disposal only by own accounts via WEB’ option, restriction of the rights of the
representative – holder or proxy can be made so that bank transactions can only be performed via
WEB and between own accounts.
Step 4
Select successively the ‘Office rights’ tab and the ‘WEB rights’ tab whereby the types of rights that the holder
wishes to provide and their validity (if necessary) will be selected.
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Step 5
After registration the holder must confirm the request by clicking the ‘OK’ button. A window with the message
‘Awaits confirmation by holder’ will appear.
- Before confirming the request with the ‘Confirm’ button, click the ‘Office rights’ button to display a list
of the client’s accounts for which rights of disposal can be provided to the representative – Holder or
Proxy.
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- The acounts for which rights are provided are selected successively and the relevant rights for each
account are selected in the sections – ‘Representative’, ‘Office Rights’, ‘WEB Rights’.
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- In the ‘Representative’ section the user – holder defines the manner of disposal via the WEB by the
representative – Holder/Proxy for the particular account.
- If the right of disposal is not selected, the representative will not be able to dispose of funds and
will receive information on the balance and transactions on the account.
- In the ‘Office rights’ and ‘WEB rights’ sections, the user must select any right that he/she wishes to
provide to the representative via the particular access channel. If the rights have a specific validity,
a specific date must be indicated.
- If the ‘Set limits’ option is selected, the transaction limits on transfers and cash withdrawal/request
with delivery must be specified. They may be daily, weekly and monthly.
- Click the ‘OK’ button to close the entry;
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- The message indicated below will be displayed; select the ‘Back’ button, then the ‘Continue’ button
to return to the window for confirmation of requests for registration of representatives.
- Click the ‘Confirm’ button and enter the password to complete the registration of representative –
Holder/Proxy.
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Step 6
The Office and/or WEB rights provided by the holder will be activated after confirmation of the request by the
holder in an office of the Bank and depositing notarized power of attorney as per a form of TEXIM BANK by the
holder or proxy specifying the provided rights. A representative (proxy) of a client may only perform actions
related to the rights provided according to the notarized power of attorney.
8.2. Change of the rights of representatives. Rights and limits of
representatives
Important! Entries of limits on accounts and rights and limits of representatives can be made by any user, but
can be confirmed only by the holder.
Information about the representatives of a client will be displayed by using the ‘Client’ dashboard
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– ‘Representatives'
A holder - user can perform the following actions for a proxy - representative in the Internet banking
system without visiting the Bank offices:
- Cancel rights;
- Change rights;
By confirming any action for cancellation and/or change of the rights of a representative and entering his/her
password, the user will sign with an electronic signature the relevant documents for change/cancellation,
which will be displayed in the system and, if necessary, can be printed.
8.2.1. Cancellation of rights of representatives - proxies
Cancellation of all rights of a representative - proxy can be performed via ‘Clients – ‘Representatives’ –
click the ‘Cancel representative’ button and confirm the change with the access password.
The system will display a message for a successful change.
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Cancellation of the rights of a representative - proxy for a particular account is performed via ‘Accounts’ –
‘Rights and limits of representatives’ – ‘Review entry’ by selecting the particular account for which the
rights will be cancelled.
Select the ‘Terminate access to account’ option and confirm the action with the access password.
The system will display a message for a successful change which will terminate the authorized person
access.
8.2.2. Change of rights of representatives - proxies
The rights of a representative - proxy can be changed similarly to the cancellation of rights.
- In the ‘Client’ menu, select editing the entry for the specific proxy whose rights will be changed.
- With the ‘Change’ button, select/unselect the requested rights consecutively in sections
‘Representative’, ‘Office rights, ‘WEB rights’.
- Change is confirmed by the holder via the Internet banking system without the need to visit a Bank
office.
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The rights and limits on specific accounts of a representative - proxy can be changed in the ‘Accounts’
menu – ‘Rights and limits of representatives’.
- Select the entry for the specific account. With the ‘Change’ button, select successively the
requested rights in the sections ‘Representative’, ‘Office rights’, ‘WEB rights’.
If the change of the rights of a representative – holder or proxy consists in adding powers to dispose of
accounts and to issue or manage cards and these rights are not described in the notarized power of attorney of
the representative originally submitted to the Bank, the Client shall submit a notarized power of attorney to a
Bank office for the new rights.
8.2.3. Cancellation and change of rights of representatives - holders
The rights of a representative – holder of a legal entity or an individual person can be cancelled only from
a Bank office.
Rights, as well as rights and limits on accounts, can be changed similarly to the changes under paragraph
8.2.2, after confirmation by the holder via the Internet banking system without the need to visit a Bank
office. Each holder can change only his/her own rights.
9. TRANSFERS
From the main menu ‘TRANSFERS’, the following actions can be performed:
- Payment order for another bank;
- Transfer on account in the Bank;
- Foreign currency transfers via SWIFT and Bisera 7;
- Mass payments;
- Consent for direct debit.
When performing the specified actions in the main menu ‘TRANSFERS’, the client/user must fill in the relevant
data in the system, as described below, and upon completion of each action by confirmation and entering
his/her password, the user will sign with an electronic signature the relevant documents with the data filled in
by him/her. сва с електронен подпис съответните документи с попълнените от него данни.
Depending on the action performed, the following types of documents can be signed:
- Transfer order;
- Declaration/Statistical form;
- Consent for direct debit;
- General Terms, which will be displayed in the system and, if necessary, can be printed.
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9.1. Payment order for another bank
This document is intended to perform transfers in BGN, as it can also be used for transfers to budget
disposers and from/to administrators of public receivables.
The mandatory details of a document that must be filled in are as follows:
- Account from which transfer will be made;
- Transaction amount;
- Date of transfer execution: by default the current date, but it can be changed, if the user wishes to
order the transfer for a future date;
- Basis of transfer;
- IBAN of beneficiary;
- Name of beneficiary of transfer;
- RINGS – to be selected for urgent transfer and the fee for the service will be displayed in the ‘Fee in
the account currency’ field.
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Transfers via RINGS are performed:
- by 15:00 of the business day;
- when transfers exceed BGN 100 000 or their currency equivalent.
In the ‘Correspondent - Select/Add’ field, with the , button, the user has the option to add a
beneficiary of the transfer or with the button, to select an existing entry for a correspondent.
If the amount of transfer exceeds BGN 30 000, the field ‘Declaration of Money Origin’ will be displayed,
which is filled in with the button.
9.2. Transfer to accounts in the Bank
This document is intended to make transfers in Bulgarian and foreign currency to accounts opened in
TEXIM BANK. The user can make transfers between own accounts or with accounts of other clients of the
Bank.
The mandatory details of the document that must be filled in are as follows:
- Account from which the transfer will be made; - Transaction amount; - Basis of transfer;
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- If the transfer is not between own accounts, add/select ‘Correspondent'; - If the amount of transfer exceeds BGN 30 000, the ‘Declaration of Money Origin’ field is displayed
and has to be filled in; - If the transfer is between own accounts, select ‘Payment on your account’ and select the account
to which the transfer will be ordered - For transfers between accounts in different currencies there is an option to negotiate the exchange
rate by selecting the field ‘Client wishes to negotiate exchange rate’.
9.3. Foreign currency transfers via SWIFT and Bisera 7
9.3.1. Foreign currency transfers via SWIFT
Foreign currency transfers in a SWIFT format are transfers which can be in different foreign currencies.
They can be performed both in the country and abroad.
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All fields on the main screen must be filled in correctly after which the ‘Continue’ field must be selected.
For transfer amounts above BGN 30 000, the ‘Declaration of Money Origin’ field is displayed and has to be
filled in, while for amounts above BGN 100 000, the ‘Statistical Form‘ field under Ordinance 27 of the
Bulgarian National Bank is displayed and has to be filled in. Entries for declarations are added with the
button.
If the user does not wish to make a transfer, he will click the ‘Cancel’ button. This option is possible, if the transfer has not been confirmed.
For transfers above BGN 10 000, or the currency equivalent of this value, the ‘Client wishes to negotiate exchange rate’ field will be displayed.
Transfers cannot be confirmed before the Bank provides an exchange rate. After confirming the exchange rate and updating the entry by F5, the field ‘Negotiated exchange rate is confirmed by a dealer’ will appear on the active window.
The ‘Confirm’ button is selected.
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9.3.2. Foreign currency transfers via Bisera 7 - EUR
BISERA 7 - EUR is a payment system for servicing customer transfers in Euro.
The system processes local and international transfer orders in Euro from/to banks and branches of banks
operating within the European Economic Area (EEA) amounting to less than EUR 50 000 and is based on the rules, practices and standards of the Single Euro Payments Area (SEPA).
To execute transfer orders via BISERA 7 – EUR, SEPA payment instruments – SEPA credit transfer are used.
To execute transfers via BISERA 7 - EUR the following conditions must be met:
- To be in EUR currency; - To be executed with shared expenses (SHА); - Execution date to be equal to the ‘value date’; - Correct BIC of the Bank and IBAN account of the beneficiary; - For local transfers between banks within the Republic of Bulgaria – the amount of transfer to be
lower than EUR 50 000; - No limit on the amount - for all international transfers within the European Ecomomic Area (EEA). - The bank from and to which transfers will be ordered, respectively accepted, to be certified as
participant in BISERA 7 – EUR system.
Note: If the transfer meets all conditions for transfer via BISERA 7 - EUR, but the amount exceeds the
permissible maximum of EUR 49,999.99, the transfer will be made via SWIFT.
Important! Payment orders for execution of transfers via BISERA 7 - EUR are executed at the current date only if they are processed in the accounting system not later than 14:00. Payment orders for execution of transfers via BISERA 7 - EUR can be entered after this time, but with a future
date for execution.
Important!
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If the transfer meets the criteria for transfers via BISERA 7 - EUR, the user selects ‘I would like to make a
transfer via BISERA 7’ and fills in all the necessary fields.
DOCUMENTS REQUIRING SIGNING BY THE USER WHEN ORDERING FOREIGN CURRENCY TRANSFERS
Documents required for transfers via BISERA 7 – EUR
‘Declaration of Money Origin’ under the Measures Against Money Laundering Act – for amounts equal to or
greater than 30 000 or their equivalent in foreign currency (in EUR at a rate of 1,955830 – 15 338.76 EUR);
‘Statistical Form’ under Article 3, Paragraph 1 of Ordinance No: 27 of the Bulgarian National Bank on the needs for the payment balance - required to submit to the Bank when receiving and making transfers abroad, transfers between local and foreign persons in the country and when receiving transfers from abroad in the amount equal to or greater than BGN 100 000.
SWIFT Documents required for transfers via SWIFT
Documents evidencing the transfer reason and Declaration under Article 2 of Ordinance No: 28 of the Bulgarian National Bank and the Ministry of Finance – to be submitted on paper to an office of the Bank by the ordering party when making transfers to third states outside the European Union and outside the European Economic Area. The Bank will not perform the ordered transfer to third states before the documents specified in the preceding sentence are submitted.
‘Declaration of Money Origin’ under the Measures Against Money Laundering Act – for amounts equal to or greater than BGN 30 000 or their equivalent in foreign currency /in EUR at a rate of 1,955830 – 15338.76 EUR /.
‘Statistical Form’ under Article 3, Paragraph 1 of Ordinance No: 27 of the Bulgarian National Bank for the needs for the payment balance – required to submit to the Bank when making transfers to foreign countries, transfers between local and foreign persons in the country and when receiving transfers from abroad in the amount equal to or greater than BGN 100 000.
Important! After entering the relevant data in the form-Declaration of Money Origin and the Statistical form
and confirming the transfer under paragraphs 9.1, 9.2 or 9.3 above and entering the password, the user will
sign with electronic signature the filled forms of the specified documents, which will be displayed in the system
and, if necessary, can be printed.
9.4. Mass payments
The ‘Mass payments’ option is used for transfering salaries and mass accounting of other types of
transfers.
To perform a mass payment, the user must have a pre-established payment order file saved in a CSV
format.
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To use this option, select ‘Mass payments’ from the main menu ‘TRANSFERS’.
Select the client’s account, from which the user wishes to order a mass payment, then click , button
in order to proceed with uploading the file.
With the ‘Browse’ button, select a file to be processed and with the ‘Upload’ button the file will be
imported for implementation.
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Click the ‘Browse’ button and then ‘Process file’ and enter your password.
The system will check it for errors and, if the file is correct, click the ‘Continue’ button and then ‘Confirm’.
9.5. Consent for direct debit
This function is most often used to make periodic payments. For example, if a legal entity client wishes to pay consumed electricity automatically through its account in the Bank, it can use direct debit. If the client chooses this form of non-cash transfer, when the power company calculates the exact amount, it will debit directly the account of the payer with the calculated amount.
From the main menu ‘TRANSFERS’, select the ‘Consent for direct debit’ option.
Fill in the following fields:
- Name of beneficiary of direct debit;
- IBAN of beneficiary of direct debit;
- ‘Against your account with you’ – indicates account of the payer;;
- Consent is valid until date – indicate validity of the consent.
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‘Method of response in case of received order’ – the following options in the drop-down menu are available to
select:
‘Automatic confirmation’ – to be selected when the transfer in case of received request for direct
debit will be effected automatically;
‘Confirmation/denial by an officer of the Bank’ – to be selected when the transfer in case of
received request for direct debit will be confirmed or denied by an officer of the Bank, depending on the conditions defined in the consent;
‘Confirmation/denial by clients’ – to be selected when the transfer in case of received request for
direct debit will be confirmed or denied by a user, depending on the conditions defined in the consent.
‘Under conditions’ – depending on the selected condition, additional fields will be displayed:
No limit on amount and periodicity – to be selected when the user does not wish to enter a maximum
amount to be transferred;
Multiple payment with limit on amounts – to be selected when the user wishes to set the amount of
all payments or the amount of each payment in case of a multiple payment.
Single payment with limit on amount – to be selected when the user wishes to set the amount of a
single payment;
Additionally specified conditions – to be selected when the conditions defined in the consent for direct
debit are specific and do not include any limitation on amount and periodicity.
Click ‘Browse’ and then ‘Confirm’.
9.6. Payment order for direct debit
A client of the Bank can initiate ‘Payment order for direct debit’, if there is a valid consent of a client of
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the Bank or a client of another bank against it.
With the ‘Payment order for direct debit’ document the beneficiary can order debiting the account of a
payer based on a preliminary written consent from him/her.
The ‘Payment order for direct debit’ document is intended to initiate a direct debit in BGN. For this
purpose, the user must fill in the following fields:
- Account of beneficiary;
- Amount – always in BGN;
- Basis – reason on which basis the direct debit is initiated;
- Basis NSSI – If payment is from the National Social Security Institute;
- IBAN of payer;
- Name of payer;
- BIC of payer’s bank.
The procedure will be finalized by confirmation and entering a password, whereby the user will sign with
electronic signature a ‘Payment order за direct debit’, and the documents with data filled in by the user
can be displayed in the system and, if necessary, printed.
9.7. Ordered documents
This option provides reference information about all bank operations (by type and by status) of the
client/user in a Bank office and via the Internet banking system. If necessary, the documents can be
printed.
The option is available in the main menu ‘TRANSFERS’.
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9.8. Ordered documents for a period
The ‘Ordered documents for a period’ report provides information about the transfers and transactions
ordered on a client/user account for a definite period of time entered by the user.
It is available in the main menu ‘TRANSFERS’.
9.9. Received foreign currency transfers and transfers in BGN
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The ‘Received foreign currency transfers’ reports and ‘Received transfers in BGN’ provide information
about the transfers received in Bulgarian and foreign currency for a definite period of time entered by the
user.
It is available in the main menu ‘TRANSFERS.
9.10. Mass confirmation of documents
Through the functionality ‘Unprocessed documents’, an opportunity is provided to the users of
Internet banking system to process documents that are unconfirmed.
Unprocessed documents are uploaded at the level of client; one representative can see the
unprocessed documents of all clients, for which such representative has rights, as he must choose
the appropriate client.
Documents are grouped in different tabs according to the type of operation. Clients can see
unconfirmed documents on transfers – foreign currency transfers, transfers on an own account,
transfers on an account in Texim Bank AD, transfers via Bisera 6 and RINGS, rights and limits on
accounts of representatives and other unconfirmed operations.
Each entry can be changed with a button , whereby the following functionalities will be
uploaded: ‘Change’, ‘Cancel’, ‘Confirm’ and ‘Back’.
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If the ‘Change’ button is selected, data entered in the created document can be changed. Changes
are confirmed with the ‘OK’ button.
The ‘Cancel’ button is used to cancel a selected document.In order to be confirmed entries are
selected in the field; the ‘Select’ button can be used to select all documents. All documents can be
confirmed simultaneously or separately.
The ‘Confirm’ button is selected and the following window is displayed:
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Documents are confirmed by entering your password; ‘Do the operation’ button is selected.
9.11. Cancellation of waiting transfers
The function ‘Cancellation of waiting transfers’ provides the users of Internet banking system with
an option to cancel confirmed documents with a future date of execution and unissued
documents due to lack of funds. This functionality is available through the menu ‘Transfers’:
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The following screen is uploaded:
Here you must enter the date on which the document should be issued; this field is mandatory.
A document can be searched by name of recipient or by IBAN of recipient
The following window is uploaded:
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Through the ‘View’ button , information about the document is uploaded:
The button ‘Select to cancel’ is used to select a particular transfer in order to be cancelled and the
following window is uploaded:
Select ‘Continue’
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10. BANK CARDS
10.1. Card issuance
Step 1
From the start menu, select the account, on which the user wishes to issue a bank card.
Currently, international debit cards can be requested to current accounts in BGN, EUR and USD.
Step 2
From the ‘CARDS’ menu, select ‘Issue’.
The following window will be displayed:
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In the ‘Product’ field from the drop-down menu, select the card type that the user wishes to issue:
- ‘Local debit card Borika – basic’: issued to an individual who is the account holder;
- ‘Local debit card Borika – supplementary’: issued to an individual who is not the account holder;
- ‘Corporate debit card’ is selected when the account is held by a client who is a legal entity. To
select this type of card you are required to be registered in the system as a user – proxy or holder
of the legal entity client;
- If you select ‘Local debit card Borika – supplementary’ or ‘Corporate debit card’ – in the field
‘Cardholder’ by clicking the button you must select the relevant person and fill in the personal data
of the Cardholder. If a corporate card is selected, the following additional fields will appear:
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The name of the company, on whose account the card is issued, will automatically be filled in the
‘Company/Organization’ field.
The ‘Name on card/Company’ field is mandatory where the name of the Company/Organization, which is
the account holder written in Latin on the card, must be filled in.
If the Cardholder is a client of the Bank (registered and on the client file), after entering the appropriate
data and clicking the ‘OK’ button, the Cardholder will be included in the database and can be selected.
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If the Cardholder is not a client of the Bank, after clicking the ‘ОК’ button, a registration form will open in
which the appropriate data must be filled in.
After the selection of a cardholder, the system will return to the home screen (Step 1), where the
following fields must be filled in:
- In the ‘Codeward for identification by phone’ field, a text of not more than 15 characters used to
identify the Cardholder by phone will be filled in.
- The ‘Limits’ field is filled in automatically after selecting the product. You can choose one of the
limits additionally provided and having higher transaction levels, which you can view in ‘Contract’.
In the ‘Delivery address/Office’ field you can choose the office where you would like to obtain the
card.
- The office in which the account is opened will be filled in by default. For obtaining the card and PIN
number in another office, the Bank may charge a fee.
Step 3
After filling in all fields, click the ‘View’ button.
If fees are payable for the card issuance and delivery, a form will be displayed that shows their amount.
Step 4
After clicking the ‘ОК’ button, the request for card issuance will be ready with Status ‘Accepted for processing
(under processing...)’. The request has been successfully created, but has not been confirmed for production.
At this point, you can make changes in the selected parameters, confirm or cancel the request.
Step 5
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To request production, the last step is 'Confirm' request. This can happen immediately or, if desired, at a
later stage. After successful validation, the request receives the status ‘Confirmed (Approved)’.
Information about the duration of the card will be displayed.
All contracts and forms related to the card issuance for which the system provides an option for printing, are only informative for the client/user.
When a card is obtained in an office of TEXIM BANK AD, the client/user will receive the relevant documents for signing from a Customer Service officer of the Bank.
CARD MANAGEMENT
A request to manage a card is submitted by selecting the card, for which you wish to request parameter management, in the ’CARDS’ menu of the main screen.
For each of these requests, after filling in the appropriate fields, click the ‘View’ button and then ‘OK’, and subsequently, ‘Change’, ‘Cancellation’ or ‘Confirmation’ of the request can be performed.
By confirming any action for card management and entering his/her password, the user confirms the relevant statements electronically and signs with electronic signature the documents which will be displayed on a system screen and can be printed before confirmation.
10.2. Request for credit card
If you wish to apply for issuing a credit card, you can do this without visiting an office of the Bank. If the ‘Request for credit card’ is approved, the system will automatically open a new account, which is intended to serve only the card.
Step 1
From the cards object, select the ‘Request for credit card’ menu and the following window will be displayed:
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The field ‘The card is’ will be filled in automatically. The cards issued to individuals, who are holders of the account, are always ‘Basic’.
In the field ‘Brand’, depending on your preference, you can choose between VISA and MasterCard;
„In the field ‘Product’, you can choose between specific types of credit cards such as:
- MasterCard Standard
- VISA Gold PayWave
- VISA Platinum
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In the field ‘Desired credit limit’, you should specify the amount for which you are applying;
In the field ‘Currency’, specify the desired currency of the credit limit and the card. At
present, all credit cards that are issued by Texim Bank AD are available in two types of
currencies – Bulgarian lev and Euro.
Step 2
After filling in the information in each window and clicking the ‘View’ button, in the next window, with the ‘OK’ button, confirm the entered content and move to the next window for submission of additional information to a Request for credit card. If, while reviewing the completed data, you wish to make corrections, then you can use the ‘Back’ button in order to return to the previous window and make corrections.
Step 3
In this window, enter additional data of the family status, children at age under 18 and data for contact. It is mandatory to enter at least one telephone number for connection. You can specify that the address of residence is the same as the registration address or enter a different address. The field ‘I’ve been living at this address for’ is filled in months, for example for 2 years, enter 24 months.
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If you have a GSM phone, you must enter it in a format that includes the code of Bulgaria, then numerator /for example: 359888020306/, and indicate the mobile operator who operates the number.
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Step 4
On this screen, enter data of your job, place of work and income.
In the ‘Employer details’ section, if the company is registered in the database of the Bank, details of the company will be filled in as soon as its UIC/ Bulstat is entered.
In the ‘Employment details’ section, fill in information about your current place of work and job
position. The field ‘Work experience with the current employer’ will again be filled in months, for
example for 1 year, enter 12 months.
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Step 5
On this screen, enter data of your property status and liabilities. If more credits and credit cards are available, add them by using the appropriate button.
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When describing the available credit cards, if a fixed monthly installment on the credit card is not specified, then write the percentage installment, assuming that the credit limit has been fully utilized.
For example: If the installment on a given credit card is in the amount of 4 % of the utilized portion, it is accepted that the installment for credit cards with a granted limit in the amount of BGN 2000 is BGN 80 (i.e. BGN 2000 x 4 %).
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Step 6
On this screen, fill in data about the method of writing of the name of the cardholder on the card, the address for receipt of the card and the methods to receive a monthly statement of the liabilities on the card. Important! The field ‘Name of cardholder on card’ will be filled in Latin automatically by the system. It must contain the name of the account holder, when it is requested to issue a basic personal card. In case of inconsistencies in a personal card the appropriate corrections should be made. The field accepts up to 22 characters, including spaces, dashes and dots. In the field ‘Address to receive card’, select the relevant office in which you wish to receive your card. In section ‘Method to receive a monthly statement’ you can choose more than one method. If you choose the option ‘Via SMS’, you should bear in mind that you will receive short information on the liabilities, which you must pay to a particular maturity date, or the minimum required installment on the GSM number indicated by you. When submitting a request for personal card, leave the field ‘Line 2 on the card’ empty. It is intended to be used for future corporate cards. It is extremely important to fill in the ‘Codeword’ field. Such codeword will be used as additional protection, where necessary to recognize the client from a distance /for example: in case of identification by phone, etc/.
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The ‘Automatic repayment’ section will be completed in accordance with the instructions in Point 10.15 and the function will be activated in case of approval of the request for credit card and after activation of the card.
After entering and confirming the data from the last window of the Request to issue a credit
card, the form ‘Request to issue a credit card’ will be displayed, containing all data filled in to
that time, as well as a statement by the client. This form is for information purposes and need
not be printed.
Step 7
After reviewing the Form and confirming with the ‘OK’ button, a message will be displayed on the screen for a successfully generated request for consumer loan on the basis of the request for credit card.
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If you click the ‘Continue’ button, the system will return you to the main screen, which finalizes the entry of the request for credit card.
The entered request for credit card will be examined by a credit specialist of Texim Bank AD within one day. If additional information or clarifications on the request are necessary, the bank officer may contact the client using the indicated phones for contact.
You will receive information on the approval or denial of a credit card on the GSM phone indicated by you or by calling by the Bank. If the request for credit card is approved, you can obtain it in the specified office within 5 working days after the approval.
10.3. Bank card activation
All new cards (newly issued, renewed or reissued before the expiry of the validity period) are inactive. In order to be used, they should be activated. Activation is performed on obtaining the card in an office of the Bank by an officer of the Customer Service Department or personally by the cardholder through the Internet banking system by selecting the appropriate card from the ‘Cards’ menu and the option ‘Activate’. After confirming with the ‘OK’ button, on the next window, you can confirm or cancel the request for activation. Important: If the card is activated before 10:00 of the corresponding day, it can be used after 10:30. If the card is activated after 10:00, it can be used not earlier than 18:30 of the same day.
10.4. Blocking/Unblocking
A. To Block a card, the following fields are filled in
In the ‘Blocking indicator’ field – if the card is stolen or lost, select ‘Block with retention’. This means that if
someone tries to withdraw funds from the card, it will be retained by the ATM. If the card is used for
payment at a POS terminal, the device will again display that the card must be retained by the operator. In
all other cases, select ‘Block without retention’.
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*Note – If it is possible that your PIN is compromised, inform immediately TEXIM BANK AD of this on
phone: 02/903 55 00 or Borika – Bankservice on phone 02/9702600 outside the Bank working hours.
‘Basis’ field – select the reason to block. ‘Comments’ field – fill in a free text for any additional reasons to block.
B. To Unblock a card:
A screen will be opened in which data should be filled in.
*Note – for request to block or unblock a card the ‘Confirm’ button is not available. A request is successfully
created and accepted for processing by the Bank after clicking the ‘ОК’ button.
10.5. Unblocking wrong PIN
This type of management is selected, when the card has been blocked due to three successive incorrect PIN
code entries.
10.6. Blocked amount for card transactions
A screen will appear, in which the amount that is desired by the user for card transactions should be filled in.
The selected amount can only be used by the bank card.
All other available funds on the card account can be used for cash and transfer transactions.
10.7. Change of limits
A screen will appear, in which higher levels of transaction limits for a given card can be specified in the ‘New
limits’ field.
10.8. Reissuance Important! Selecting the ‘Reissue’ option will disable the former card (status ‘Closed’) and create automatically a Request to issue a new card. The new card will have the same parameters (product, account, transaction limits and cardholder) as the former one, but a new number, validity and PIN code. A request requires filling in the following fields: • ‘Delivery address/Office’ – the Bank office in which the user wishes to receive his/her new card is selected from the drop-down menu. By default, this is the office to which the client account has been opened. • ‘Basis’ – the reason to reissue a card is selected from the drop-down menu.
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10.9. New PIN
A request is used in cases where the user has forgotten his/her PIN code and wishes to receive a new PIN code
for the card in a selected office of the Bank. The user has the option to specify:
‘Delivery address/Office’ – the Bank office in which the user wishes to receive his/her new PIN is selected
from the drop-down menu. By default, this is the office to which the client card account has been opened.
10.10. Disabling
When the user does not want to use a card any more, he/she may file a request for disabling.
Disabling a card does not close its account. The minimum balance required and the total amount available
on the account will be available for cash and transfer transactions within 3 business days after filing up
the request.
10.11. Code word
A screen will be opened in which the field ‘New code word’ should be filled in.
Important! For clients for whom it has been selected upon initial registration or subsequently to be
represented in the Internet banking system by more than one representative /holder or proxy/ with the right
to sign, any action for issuing and managing cards of these clients must be confirmed in the system by each of
the representatives, in accordance with the general signature rule currently defined for the particular client
10.12. Access to bank cards
This request allows users to manage third party access rights to different types of actions for management of a given card. After selecting a specific card, the following window will open: In the field ‘Person with access to the account’, select the person, for whom you will change the rights for the selected card. In the drop-down menu the persons, who have rights to the account to which the selected card was issued, will appear. Important! Users of the Internet banking system can use the ‘Access to cards’ option, only if they are holders of the account, to which the card was issued. After selecting the person, for whom the rights will be changed, the rights granted to him/her to that time will be uploaded on the screen.
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The current values will be uploaded from the left, while those that must be changed will be selected/ unselected from the right. After completing the work on change of rights, click the ’View’ button and then ‘OK’ button. The request will be processed after clicking the ‘Confirm’ button and entering your user password.
10.13. Installments on credit cards
The service ‘Installment on a credit card’ provides a possibility to transfer funds on a debit card or to repay an obligation on a credit card from an account pre-specified by the client and a specified amount by choosing in the field ‘Type of installment’. The service is performed once each time it is requested by the client. The service can be performed on each credit card, for which the field ‘Statement’ is selected in the table of card access rights according to Point 10.13. Step 1
A. Requesting the service ‘Installment on a credit card’
From the home menu, click the ‘Cards’ button to select the card, for which the functionality will be requested. The person should have an active registration for Internet banking as a representative of the individual or legal entity, a client of the Bank, for whose card the service will be performed. The credit card must be viewable from the corresponding tab of the dashboard. Select the ‘Installment on a card’ button from the possible options in the ‘Card’ menu:
In case installment on a debit card is specified, the amount that you wish to transfer and the account from which the transfer to be made should be specified on the next window.
In case installment on a credit card is specified, a window will appear, from which the type of installment can be selected, which can be: amount selected by the client, minimum installment on the credit card, installment on the credit card to use a grace period (if this option is selected, the total obligation of the client formed at the end of the previous period must be repaid to enable the client to take advantage of the grace period), or repayment of the total obligation on the credit card. The field ‘Amount to be paid’ should be filled in by the client, if the option ‘Amount selected by the client’ is set in the field ‘Type of installment’. In all other cases the field is filled in automatically.
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Important! If an account is selected for repayment of the obligations, on which account a debit card is issued, in order to be able to perform the action, the amount stated for card transcations should be available on the account. Otherwise or when an account is selected for repayment of the obligations and there are not enough available funds on it, the following message will be displayed: ‘There are not available funds on the account to repay the obligation or a debit card was issued on the account. Select another account!!!’ To perform the service, another account must be selected.
Select the ‘View’ button and a window with all selected values and the field ‘Enter SMS code’ will appear. Enter the confirmation code received on the GSM number pre-specified for contact. The request will require additional confirmation by entering password for access:
10.14. Automatic repayment of credit cards
The service ‘Automatic repayment of credit cards’ provides an option for automatic repayment of the liabilities on a credit card by payment order from an account pre-specified by the client, at a specified type of the repayment installment and a specified number of days before the date of payment. The service is performed automatically every month, provided that funds are available on the selected account, from which the transfers will be made. The service will be valid until cancellation is entered or the credit card is closed. Important! If there are not enough funds on the account to repay the installment due, the system WILL NOT perform partial repayment of the obligations. The service can be requested on cards of legal entities only in an office of Texim Bank AD.
A. Requesting the service ‘Automatic repayment of credit cards’:
From the start menu, select the credit card, for which the service will be requested, and click the button ‘Conditions of automatic repayment’ in the ‘Cards’ menu. The person should have an active registration for Internet banking as a representative of the individual or legal entity, a client of the Bank, for whose credit card the service will be requested. The credit card must be viewable from the corresponding tab of the dashboard.
The screen ‘Enter new values’ will be displayed. Select the account, from which the liabilities on the credit card will be repaid.
Important! If a person is representing both himself as an individual and another person, then both his personal accounts and the accounts of the person he represents will be uploaded in the drop-down menu of ‘Repayment from an account’, i.e. the representative can choose an account for ‘Automatic repayment of liabilities on a credit card’ from all accounts that he represents.
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Important! If it is selected to repay the liabilities on a credit card from an account on which a debit card was issued, the amount stated for card transactions on the debit card should be verified in order to confirm that there will be funds for repayment of the liabilities on the credit card. Otherwise, the service may not be performed. A warning message will be displayed: ‘ATTENTION: A debit card was issued on the selected account!!! To perform automatic repayment, the amount stated for card transactions and a free amount for payments from the account should be available on it!!!’
Fill in the next field – selecting the type of repayment; - ‘Installment to use a grace period’ (if this option is selected, the total amount of
liabilities of the client formed at the end of the previous period should be repaid to enable the client to use a grace period), or
- ‘Minimum repayment amount’.
Specify ‘Number of days before payment date’. The specified number of days indicates how many days before the date of the installment due (maturity date) the system to initiate repayment from the account. In the example below the system will try to debit the specified account with the installment due for using a grace period, effective from the fourth day before the end of the month /or final date of payment/.
In case of deficit of funds the system does not make partial repayment, but within the set period it will try every day to collect the entire necessary amount, when proceeds are received in the specified account. If there are sufficient funds on the next day, the system will repay the liabilities in the required amount. If in the specified period there are not sufficient funds on the account to repay the desired amount, then no automatic repayment will be performed for the month. The client should deposit or transfer funds for repayment of the liabilities on the credit card account in
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another way. New automatic repayment will be initiated by the system only at the end of the next period.
Select the ‘View’ button and a window with all values entered to that time and the field ‘Enter SMS code’ will appear. Enter the confirmation code received on the GSM number pre-specified for contact. The request will require additional confirmation by entering password for access:
Important! The service for ’Automatic repayment of credit card’ can be requested upon filing the
request and applying for a credit card and the service will be activated, if the request for credit
card is approved.
B. Change of parameters and cancellation of the service ‘Automatic repayment of credit cards’: From the start menu, select the desired credit card, on which changes or cancellation of the functionality will be made, and click the button ‘Automatic repayment of credit cards’ from the ‘Cards’ menu. The credit card should be viewable from the corresponding tab of the dashboard. A window indicating the current conditions for ‘Automatic repayment’ will be displayed in the section ‘Old values’ and the fields to section ‘Enter conditions for repayment of a credit card’, where the new conditions for ‘Automatic repayment’ should be entered. This window provides an option to change the account, from which the obligation is repaid, the type of repayment (minimum installment or installment for using a grace period) and the number of days before the payment date. The same window also provides an option to terminate the service ‘Automatic repayment of liabilities on a credit card’. If it is requested by the client to change the conditions of the service ‘Automatic repayment of liabilities on a credit card’, new data should be entered: account for repayment, type of repayment and number of days before payment date. Click the ‘View’ button and a window with all previously entered values and the field ‘Enter SMS code’, which must be completed, will be displayed. The confirmation code received to the GSM number indicated for contact in advance should be entered. The request requires additional confirmation by entering password for access. If it is requested to terminate use of the service, select the field ‘Deregistration of the service Automatic repayment’ on the screen with the current conditions for ‘Automatic repayment. Click the ‘View’ button to upload a window with all previously entered values and the field ‘Enter SMS code’, which must be completed. Enter the confirmation code received to the
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GSM number indicated for contact in advance. The request requires additional confirmation by entering password for access.
10.15. SEARCH BY KEYWORDS
On the home screen there is a field for search by keywords, in which the keyword of the product or service that is being searched is entered. For example: ‘account’. Searches can be done by typing words in Cyrillic or Latin alphabet.
Select the icon.
All products and services of the Bank, which contain the keyword, will appear on the screen, alongside with a brief description of the characteristics and link to the official website of the Bank with detailed information about the particular product or service.
If the active link of the product is selected, the product can be requested online. For example: For the keyword ‘account’, if the link ‘Deposits – individuals’ is selected, a deposit account can be opened, depending the selected currency, interest rate and maturity, in the following way:
11. AUTHORIZATION OF THIRD PARTIES TO ISSUE AND MANAGE BANK
CARDS
1. Each client, through his/her registered user - holder in the Internet banking system, can choose a
representative (holder and/or proxy) to represent him/her before the Bank (according to Section 8 of
this Guide). To perform the actions included in the rights to issue new cards and/or manage cards
already issued to a bank account, the proxy and the holder must submit a notarized power of attorney
to the Bank office specifying the rights – card issuance and/or management provided to the
representative – holder or proxy.
2. After selecting a client representative, each user - holder may authorize a third party to issue and/or
manage cards issued to client account/s/. Rights can be set with an option to implement them by the
relevant person by visiting an office or via the Internet banking system (respectively: ‘Office Rights’
and/or ‘WEB Rights’). The rights of the representative and the manner of working regarding the entry
and validation of requests for card issuance and management conform to the ‘Method of disposal
according to registration’ entered for the client (according to Section 8 of this Guide).
2.1. When giving the right to apply for/issue new cards, the holder provides a possibility to his
representative – proxy to perform any actions for card issuance to a client account, including
application/issuance of cards with third-party cardholders.
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2.2. The rights to manage new cards on a bank account of the client, for which the user (holder and/or
proxy) can apply remotely via the internet banking system, include the following possible options:
- Blocking;
- Unblocking;
- Unblocking a wrong PIN;
- Blocked amount for cards;
- Change of limits;
- Reissuance;
- New PIN;
- Closing;
- Card statement;
- Code word;
- Access to bank cards;
When providing the right to manage new cards, the holder provides a possibility to the representative – proxy
to apply for/perform all management actions specified below.
Depending on whether a person is the holder of a client’s account, an authorized representative with rights to
manage cards to a client’s account, or a cardholder without rights on the account, then the following
rights/actions to manage the issued card are available for the person after authorization:
CARDS ISSUED ON ACCOUNTS OF INDIVIDUALS
Application to
manage:*
Account holder* Proxy* Cardholder of
supplementary
card* Rights to the card: Rights to the card:
Basic Supplementary Basic Supplementary
Blocking v v v v v
Unblocking v v v v
Unblocking a wrong
PIN
v v v v v
Blocked amount for
cards
v v v v
Change of limits v v v v
Reissuance v v v v
New PIN v v v v v
Closing v v v v v
Card statement v v v v v
Codeword v v v v v
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Access to bank cards v v
CARDS ISSUED ON ACCOUNTS OF LEGAL ENTITIES /CORPORATE CARDS/
Application to manage* Company representative* Proxy* Cardholder other than company
representatives
Basic Supplementary Basic Supplementary
Blocking v v v v v
Unblocking v v v v
Unblocking a wrong PIN v v v v v
Blocked amount for
cards
v v v v
Change of limits v v v v
Reissuance v v v v
New PIN v v v v v
Closing v v v v v
Card statement v v v v v
Codeword v v v v v
Access to bank cards v v
*If restrictions have been imposed on the card management for a given card account IBAN, this will be valid
against the above-described rights by priority.
3. Restriction of the rights on the account of a Holder, depending on the type of restriction, automatically
restricts the described rights of the representatives to issue new cards and/or manage cards already
issued on that account.
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4. The rights of the representative – proxy can be changed at any time by the holder of the client account. If changes consist in adding new rights, before granting these new rights, a notarized power of attorney must be submitted to an office of the Bank regarding the rights. If changes consist in cancellation of rights /withdrawal by the holder or denial by the representative/, cancellation is made by confirming this in the Internet banking system and filling in the username and password of the user or visiting an office of the Bank.
5. The rights granted to a representative – proxy in the manner described in the paragraphs above are
valid for all cards issued to the respective account. If desired, the preceding conditio
12. LOANS
Thought the ‘Loans’ menu, you can:
receive reference information on the status of your obligations;
receive an individual proposal for a loan from the Bank before you proceed to submitting a loan
application;
apply for a loan without guarantors, without paying a fee for review and processing of the loan application.
12.1. Reference information
From the ‘Loans’ menu, you can receive the following information about your loans:
- Amount of the loan agreed;
- Maturity;
- Monthly installments.
When reviewing the selected loan entry with the button , a repayment schedule of upcoming and
performed payments will be displayed.
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12.2. I would like to receive a loan offer
From the drop-down menu in the ‘Loans’ section – ‘I would like to receive a loan offer’, you can request
an individual offer for all loan products of the Bank – amount, period, interest rate, and other terms.
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The individual loan offer is a special personal offer of the Bank conforming to your desires and capabilities
which gives you the following advantages:
- you save time and money because you do not need to visit a Bank office to get advice and loan offer;
- you receive a special offer for applying for a loan without guarantors via the Internet banking
system – no fee.
For the purpose, select the loan product you are interested in and fill in the electronic application form.
TEXIM BANK will provide an offer to you within the business day.
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After filling the electronic form, review the entered information with the ‘View’ button. If it is correct,
confirm with the ‘OK’ button.
The system will display a message for the created application number which means that it will be
processed by the Bank.
A credit expert will contact you on the specified contact phone to offer you the loan product and funding
opportunities that are most suitable for you.
12.3. Proposal of the Bank and Loan Application
The Bank offer can also be reviewed in ‘Messages’ or in the ‘Loans’ menu – ‘Offer of the Bank and Loan
Application’, where a list of application will be displayed.
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With the button, review the Bank offer for a loan product, its amount, period, interest rate, etc.
When clicking the ‘Pre-contractual information’ button, a form will be generated, as required by the
Consumer Credit Act, which contains all the information about the offer parameters – amount, period,
monthly installments, interest rate, charges and commissions, and other details.
With the ‘Deny application’ button, the Bank offer can be denied.
If the Bank offer satisfies you, with the ‘Loan Application’ button, you can file your application without
visiting a Bank office and without paying an application fee. This option is available for the following loan
products:
- Consumer loan with no guarantor.
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For all other loan products, you must visit a Bank office to file your loan application after you have
received an offer for a loan product and the interest accrual conditions from the Bank.
12.4. Loan Application – completion and review
After clicking the ‘Loan Application’ button, a screen displaying the parameters of the offer will appear.
Click the ‘Continue’ button.
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A screen displaying your data and the parameters of the product offered will appear.
Select an account in TEXIM BANK on which to authorize the loan, if you have any. If you do not have a
bank account, do not initiate actions in this field.
Fill in the appropriate data in ‘Client Profile’ concerning your income, employment and payments;
To confirm the declaration, select the ‘Yes’ option from the drop-down menu.
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After confirming the declaration, click the ‘View’ button and, if the entered data are correct, the ‘OK’ button.
A window will open where with the ‘Review Documents’ button you can review and print the Loan Application.
By clicking the ‘Confirm’ button and entering your access passward, you will finalize your application.
A loan expert of the Bank will contact you on the phone indicated in the application for more detailed information on the data provided.
TEXIM BANK AD will provide an opinion on your loan application within 1 business day by sending an SMS to the mobile phone for contact specified in the application.
The opinion of the Bank can be traced through the ’Loans’ menu – ‘Review loan applications’, where the submitted applications and the opinion of the Bank can be reviewed in chronological order.
If your application is approved, visit a Bank office to enter into a contract and draw down the loan amount.
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13. REGULAR PAYMENTS
Services in the ‘Regular payments’ menu provide an option to make payments from and on an account
specified by you by a single instruction, on a specific date, day of the week or another period specified by you,
with a fixed amount or payments above or up to the limit specified by you. This will allow you to repay your
obligations on the loan products used by you in TEXIM BANK or in any other bank, to periodically transfer
money to your relatives or to save amounts at your discretion.
When performing the actions specified in the ‘Regular payments’ menu, the user must fill in the relevant data
in the system, as described below, and upon completion of any action by confirming it and entering a
password, the user signs with electronic signature the relevant documents with the data filled by him, which
documents can be displayed in the system and, if necessary, printed.
13.1. Automatic fixed transfers
By a single registration for this service you can transfer a specific amount from your account in our bank
to another specified account.
Options to use the service:
- For this service, you can register only current, savings and fund-raising accounts;
- When the account of the ordering party and the account of the beneficiary are in TEXIM BANK, you
can order an automatic fixed transfer both in Bulgarian and foreign currency;
- When the account of the beneficiary is in another bank, other than TEXIM BANK, transfer can only
be in BGN;
- You choose alone when to make the transfer – day of the week, day of the month, first or last day
of the month;
Registration
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After you have chosen the account from which you want to make an automatic transfer and have selected
‘Automatic fixed transfers’ from the ’Regular payments’ menu, fill in the following fields:
- ‘IBAN of Beneficiary’ and ‘Name of Beneficiary’
If you want to register for automatic transfers to any of your other accounts in TEXIM BANK, do not fill in ‘IBAN
of Beneficiary’ and ‘Name of Beneficiary’, but select the ‘Installment on your account’ field; after that the
system will display another field - ‘Account of Beneficiary’ - where from the drop-down menu you can select
any of your other accounts in the Bank, regardless the Bank office in which they are opened.
- ‘Basis of transfer’ – the transfer basis is a mandatory field which is filled in automatically with
template information ‘Transfer of cash by … to … under Automatic Fixed Transfer service’. The field
is active for change and can be changed by you with the information that you wish to fill in as a
basis.
- ‘Amount in the account currency’ – fill in the exact amount of the transfer that you wish to be
made automatically. This amount may be in currency other than the currency of the beneficiary
account, when both accounts are in TEXIM BANK, as the Bank makes automatic purchase and sale
of currency at the exchange rate on the day of the transaction.
- In the ‘Fee for transfer’ field, the fee to be deducted from your account for each automatic transfer
will be displayed.
- Specify when to make the transfer by selecting the preferred option in the section ‘Data of Period’;
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- When selecting the ‘Use counter of processing’ option, you can specify the maximum number of
sent transfers. The system will display an additional ‘How many processing to make’ field in which
you must fill in the number of transfers that you wish to be made. After making the final transfer,
the system will stop making payments and the service will automatically be disabled.
- ‘Always as urgent payment’ – the ‘Always as urgent payment’ option will be displayed by the
system only in cases of automatic transfer to another bank. This option allows for making transfers
by sending urgent transfer via RINGS.
Important: You need to know that regular payments are made in the evening after the completion of working
hours of the Bank office, except for transfers to other banks having the option ‘Always as urgent payment’
checked which are made at 15.00 of the same day. If the option selected by you to make the transfer is on a
non-business day, the transfer will automatically be executed on the first business day for the Bank.
Important: The execution of automatic transfers as urgent payment is subject to payment of a higher fee for
each regular transfer which must be available on your account, along with the amount of the transfer.
After filling in all mandatory and optional fields, confirm the entry by clicking the ‘OK’ button. The next
window will allow you to view your entry, change it, and cancel it. The entry is confirmed by clicking the
‘Confirm’ button and entering your password.
- ‘Validity of registration’ – the service is available until its explicit termination (refer to Change
parameters/Cancel) or until termination of the number of processing, if the option ‘Use processing
counter’ is enabled.
13.2. Automatic transfer of amounts
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By a single registration for this service, you can transfer amounts from your account with us to another
specified account above the limit specified by you. Options to use the service:
- For the service you can register only current, savings and fund-raising accounts;
- The beneficiary account can be both in TEXIM BANK and any other bank, and in this case, the
transfer can only be in BGN;
- You can transfer a specific balance on your account and transfer the limit above it to another
specified account;
- You do not fix a specific amount that you want to transfer, but only a limit above which the transfer
is made, and the Bank will transfer the difference according to your instructions.
Registration – After selecting the account from which you want to make an automatic transfer and
selecting the option ‘Automatic transfer of amounts’ in the menu ‘Regular payments’, fill in the following
fields:
- ‘IBAN of Beneficiary’ and ‘Name of Beneficiary’;
- If you wish to register for automatic transfer of amounts to any other of your accounts in TEXIM
BANK, do not fill in ‘IBAN of Beneficiary’ and ‘Name of Beneficiary’, but select the ‘Payment on your
account’ field and after that the system will display another field - ‘Select account’ where from the
drop-down menu you can select another of your accounts with us, regardless the Bank office in
which it is opened.
- ‘Basis for transfer’ – the basis of the transfer is a mandatory field that is filled in automatically with
template information ‘Transfer of funds by…. in.…under PUSH service’. The field is active for
changing and can be changed by you with the information you would like to fill in.
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- ‘Limit’ – enter the limit to be maintained as a balance on your account and the Bank will transfer
the difference to the account specified as Beneficiary IBAN.
Important: In case you would like to transfer the total balance from your account, the minimum limit that you
can enter in this field is 0.01.
- ‘Always as urgent payment’ – the option will be displayed by the system only in cases of automatic
transfer to another bank. This option allows for making transfers by sending urgent transfers via
RINGS.
- ‘Fees’ – the fee to be deducted from your account for each automatic transfer will be displayed in
this field.
- Specify when to make the transfer by selecting the preferred option in the ‘Data of Period’ section;
Important: If you wish to maintain the specific limit on your account every day and the Bank to make
automatic transfers every day, do not select any of the options provided.
After filling in all mandatory and optional fields, confirm the entry by clicking the ‘OK’ button. The next
window will allow you to review your entry, to change or cancel it. The entry is confirmed by clicking the
‘Confirm’ button and entering your password.
13.3. Automatic replenishment of accounts
By a single registration for this service, you can replenish your account with us up to the specified limit
from any other of your accounts in the Bank. Options to use the service:
- You choose alone when to make the transfer
- For the service you can register only current, savings and fund-raising accounts;
- The account to be replenished and the accounts to be debited specified as ‘Accounts to be debited’
can only be in TEXIM BANK;
- The ‘Account to be credited and the ‘Accounts to be debited’ can be in different currencies;
- The Bank will automatically credit the account specified by you only to the amount of the limit;
- Do not fix a specific amount you would like to transfer, but only the limit up to which to make the
transfers;
- There are no restrictions on the number of accounts to be debited and the Bank will follow the
order specified by you.
For example: You have a consumer loan in TEXIM BANK, whose maturity date is on the 25th
day. You sign up for
the service ‘Automatic funding of accounts’ with a date of making the transfer on the 25th
day and limit 0.01,
i.e. you would like on the maturity date the Bank to cover only your obligation on the loan, without
transferring additional funds to the loan account. The accounts listed as ‘Accounts to be debited’ are your
current account in the Bank and secondly your savings accounts. The obligation you have to pay as a monthly
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installment on the 25th
day is BGN 110.10, as the available balance on the loan account to this date is BGN 0.00.
On the 25th
day, the Bank will execute your request in the following way:
1. The Bank will check if a balance of BGN 110.11 (BGN 110.10 – redemption installment on the loan + BGN
0.01 minimum amount of limit) is available. If this balance is available on the current account, the Bank will
transfer it to the account specified as Account to be replenished.
2. If the entire amount is still available on the current account, the Bank will not seek and transfer money
from the savings account.
3. However, if such balance is not available, the Bank will automatically transfer only the available amount
on the current account (e.g. BGN 25.00).
4. The Bank will seek the difference of BGN 85.11 from the specified savings account, from which, if balance
is available, will transfer the rest of the loan obligation.
Important! The example with the date of execution = maturity date is appropriate only if you wish to pay your
installment on the day when it is due. If you wish to pay your obligation earlier (e.g. on the previous day - 24th
day), the limit should be BGN 110.10, i.e. the amount of the installment.
Registration – after choosing the account that you wish to be replenished automatically and after
selecting the ‘Automatic funding of accounts’ option in the ‘Regular payments’ menu, fill in the following
fields:
- ‘Limit’ – enter the amount up to which you would like to fund the account specified as Account to be replenished. The minimum amount that you can enter in this field is 0.01.
- ‘Accounts to be debited’ – With the button the following window will be displayed where the
account from which the transfer will be made can be selected from drop-down menu. There is no
limit on the number of accounts that can be debited, as each account can be added with .
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By means of the button, you can view the entered debit accounts and, if you wish to remove any of
them, you can use the icon.
- Specify when to make the transfer by selecting the preferred option in the ‘Data of Period’ section;
Important: If you wish to maintain a particular limit on your account every day and the Bank to make
automatic transfers every day, do not select any of the options provided!
After filing in all mandatory and optional fields, confirm the entry by clicking the ‘OK’ button. The next
window will provide an option for reviewing your entry, changing and cancelling it. The entry is confirmed
by clicking the ‘Confirm’ button and entering your password.
The services ‘Automatic transfer of amounts’ and ‘Automatic funding of accounts’ will be valid until their
explicit termination.
13.4. Change of parameters/cancellation
The services ‘Automatic fixed transfers’, ‘Automatic transfer of amounts’ and ‘Automatic funding of accounts’
can be changed and cancelled by the following options:
Changes – the menu allows for changing only the amount of the transfer/limit.
The services are changed by selecting an entry already existing and validated by you for one of the services
through the drop-down menu and entering the amount in the ‘New limit/ amount to be transferred’ field.
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After filling in all mandatory and optional fields, confirm the entry by clicking the ‘OK’ button. The next
window allows you to review your entry, change or cancel it. The entry is confirmed by clicking the
‘Confirm’ button and entering your password.
If you want to change other service parameters (different from amount/limit), cancel the service already
existing and create a new entry in the manner described above.
Cancellation – The services can be cancelled by selecting an entry already existing and validated by you for
any of the services from the drop-down menu and checking the ‘Cancel’ field.
Click the ‘View’ button and confirm the entry by clicking the ‘OK’ button. The next window allows you to
review your entry, change or cancel it. The entry is confirmed by clicking the ‘Confirm’ button and
entering your password.
14. SEARCH BY KEYWORDS
On the home screen there is a field for search by keywords, in which the keyword of the
product or service that is being searched is entered. For example: ‘account’.
Searches can be done by typing words in Cyrillic or Latin alphabet.
Select the icon .
All products and services of the Bank, which contain the keyword, will appear on the screen, alongside with a brief description of the characteristics and link to the official website of the Bank with detailed information about the particular product or service. If the active link of the product is selected, the product can be requested online.
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If the active link of the product is selected, the product can be requested online.
For example: For the keyword ‘account’, if the link ‘Deposits – individuals’ is selected, a deposit account can be opened, depending the selected currency, interest rate and maturity, in the following way:
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15. SUITABLE PROPOSALS AND NEW PRODUCTS
15.1. Suitable proposals
This function will help you to get informed of the products that are suitable for you,
based on those that you use in the Bank. For example:
If you have a current account, a proposal for debit card, automatic payments and other suitable products will be displayed in the list of suitable products.
If you have a deposit account, a proposal for credit/ overdraft with financial
collateral and other suitable products will be displayed on the screen.
On the home screen, the link ‘Suitable proposals (… new)’ will be displayed on the dashboard.
When opening the link, a list of suitable products that you can use will be displayed
on the screen. If you wish to request a product, you can open a window by selecting
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the check box and choosing the particular product with the appropriate button, where you can fill in the details and request for the product.
If you wish to make use of the proposal later, select the option ‘Display later’ and the
product will not disappear from the list. The product has been selected, which shows that you are interested in it and can request it later at a time which is convenient for you.
If you are not interested, you can select the option ‘Do not display’, as a result of
which the product will not be displayed any longer in the list of proposals.
15.2. New products
This function allows you to get informed about the new and current products and
services of the Bank. The new products will be displayed in the form of a link ‘New products’ on the
dashboard.
If you wish to use any of the products, select the icon and request the product.