In the case of customers who also have a Direkt and / or DirektNet service, the Direkt Identifier can be found on the service application form or in a letter previously sent by post by the Bank. If you can't find your ID, call our Raiffeisen Direkt telephone customer service at + 36-80-488-588

A one-time Digital Channel activation code is needed for the activation if the cardholder does not use the Direkt and/or DirektNet service. In such case the Digital Channel activation code is included in the SMS sent to the cardholder.

Cardholders who already use the myRaiffeisen mobile app as a method of authentication are able to access in the myRaiffeisen application all cards issued by Raiffeisen Bank, and consequently to approve their internet card purchases through the application.

You can request a new Digital Channel activation code through our call centre Raiffeisen Direkt, after proper identification, or in-person at any branch.

• From the functions of the myRaiffeisen application, cardholders who do not have DirektNet access are only able to use the function serving to authenticate card payments, and to view executed card transactions.
• Cardholders who have DirektNet access as well are able to use the whole range of functions of the myRaiffeisen application.

You can view any of your Raiffeisen cards belonging to all your roles within the myRaiffeisen application. Since you have several Direkt IDs, you need to activate only one of these, and you will be able to approve the online payments executed with all your cards. To use the application, however, you should activate minimum one access.

If you have not registered your mobile phone at the Bank, or if your telephone number has changed in the meantime, or if any problem should have arisen during the download or installation of the application or during the identification, please contact:

• your personal advisor at the Bank, or
• call our telephone customer service with your identification codes at phone number +36-80-488-588. or
• visit any of our branches

If you use myRaiffeisen application to confirm your online purchases and you do not receive the pop-up notification, proceed as follows:

• open the application and select Sign transactions in the Actions menu or
• update your timeline and select Sign Transactions

If the online purchase is urgent and the myRaiffeisen application is not available, we recommend to switch to PIN2 + SMS authentication until the start of the payment. If you have DirektNet access, you can change the approval mode by disabling Mobile Token Authentication in the Administration / Mobile Token Settings menu.
For customers who do not have DirektNet authorization, our Raiffeisen Direkt telephone customer service (+ 36-80-488-588) can temporarily suspend or cancel the Mobile Token, after which the authentication process will automatically go through the PIN2 + SMS branch.

If you have entered an erroneous PIN2 or SMS security code, the transaction will fail. You can restart the authentication in the website of the online trader or card accepting merchant.
If the authentication of the transactions fails five consecutive times, for security reasons no more internet payments will be allowed with your card until the end of the day, we will send you notification about it via SMS. The prohibition will be lifted at 0:00 midnight, and on the next day you will be able to use your card again for internet payment.
During the temporary prohibition you will still be able to pay via POS terminals or cash in/out from ATMs.

The PSD2* directive requires in the course of purchases initiated online (in a remote channel) that banks use at least two identification elements simultaneously to ascertain the identity of the originator. By means of strong customer identification both the Bank and the merchant can make sure that the payment transaction was indeed initiated by the cardholder.
The procedure is supposed to ensure—in the interest of the users’ protection-that only the person authorised to use the card, i.e. the cardholder, may authenticate the transaction.

• The new rules do not apply to card purchases in websites operated outside the European Economic Area (typically in Asia or the United States).
• For transactions considered low risk, payments not exceeding the HUF equivalent of EUR 30 or EUR 30 calculated at the Bank's HUF/EUR mean exchange rate for retail customers, provided that no more than 5 such purchases are made in a row. If the currency of a transaction in this category is other than HUF and EUR, the Bank shall first calculate the amount of the transaction in HUF at the mean rate for retail customers of the currency/ HUF and then shall calculate the amount of the transaction in EUR as set out aboveIn the case of recurring transactions (e.g. subscriptions) strong customer authentication is needed only when the authorisation is given, and it is no longer necessary in the case of the further transactions. If you have given such an order previously—prior to the introduction of the security code—it is not necessary to give the authorisation repeatedly.
• In the case of so-called MO/TO (Mail Order/Telephone Order) purchases, again no strong customer authentication is required. In the case of these transactions the card purchase takes place in the cardholder’s absence, on the basis of his/her written or telephone order, and the data provided by the cardholder are recorded manually by the accepting entity. The cardholder of course has to consent to the use of the data, and the storage of the card data in any form after the transaction is completed is subject to enhanced security requirements.