vista internet banking manual

vista mobile banking manual

Vista Internet & Mobile Banking

The new generation of Vista Internet & Mobile Banking online banking applications is a fast and convenient alternative to access your accounts anytime, anywhere. You can easily order transactions or manage your deposits and loans, both from your computer or laptop and from your smartphone or tablet.

Now you enjoy a series of new functionalities, as well as a unique customer experience. A special feature is the introduction of the virtual token (eToken), a mobile application that allows a high level of security for authenticating and authorizing transactions, by generating unique codes or by using biometric methods (fingerprint and facial recognition), depending on your option.Moreover, the Vista Mobile Banking and Vista eToken applications also integrate the Appshielding security feature that ensures high protection against a wide range of sophisticated cyber-attacks.
Moreover, the Android version of Vista Mobile Banking also integrates Malwarelytics Antivirus, a security feature that protects your entire mobile device against possible malicious applications (mobile malware).

NEW: From now on you can use the new Beneficiary Name Display Service (SANB), which adds a new level of security to your Internet Banking payments.

More details here.

Furthermore, by using Vista Internet and Mobile Banking you get significantly lower commissions compared to the transactions ordered at the counter.

What are the new Vista Online Banking applications?

• Vista Internet Banking: a new version, user friendly, optimized and extended in terms of functionality, which will replace the current Internet Banking application.
• Vista Mobile Banking: an application that turns your smartphone (Android or iOS) into your mobile bank, available anywhere, anytime.
• Vista eToken: an application through which your smartphone (Android or iOS) becomes a virtual authentication and authorization device (eToken) that will replace your current physical token.

How to enroll in the new applications?

We are inviting you to visit us at the nearest Vista Bank Branch and our colleagues will help you with all the necessary steps.

What are the new benefits of Vista Internet and Mobile Banking?

• Quickly view the balance and transactions made through your accounts
• Open new accounts
• Make transfers between your own accounts
• Order payments in lei and foreign currency to accounts opened at other banks
• Make and close a term deposit
• Foreign exchange (including at negotiated rates)
• Amortization schedule for loans
• Partial repayments of loans without reducing the loan period, for individuals
• Upload payment files
• Standing orders
• View the balance, trading limits and credit card transactions
• Complex authorization schemes for legal entities
• Location map with the Vista Bank Branches and ATMs

A few words about security

Vista Internet Banking and Vista Mobile Banking applications incorporate the most advanced security technologies, allowing for secure operations, protected by two levels of authentication: (i) username and password; (ii) unique codes or biometric methods (fingerprint or face recognition), through the Vista eToken application.

Also, the Vista Mobile Banking and Vista eToken applications also integrate the Appshielding security feature. The new feature allows the two applications to better protect themselves against a wide range of sophisticated cyber-attacks, such as malware attacks, vulnerabilities related to rooting / jailbreak, debugger connection, Code or Framework injection, application repackaging and app integrity breaches, malicious screen readers or untrusted keyboards, overlay attacks, Man-in-the-App and Man-in-the-Middle scenarios, sensitive embedded key protection (white-box crypto). To benefit from all the improvements brought periodically to our mobile applications, we recommend you to ensure that they are updated to the most recent versions.

Vista Mobile Banking for Android also integrates Malwarelytics Antivirus - an anti-malware security feature that protects both Vista Bank mobile applications and your entire mobile device. Malwarelytics immediately detects potential malicious applications active on your phone or tablet, enabling you to uninstall them immediately.

NEW: From now on you can use the new Beneficiary Name Display Service (SANB), which adds a new level of security to your Internet Banking payments. Thus, when you enter the beneficiary's IBAN account in the electronic payment order, SANB will automatically display, in the "Account holder" field, the payment beneficiary’s first name and his/her surname initial, as they are registered in the systems of the payment beneficiary bank. In the case of a payment to a legal entity, SANB will display, for validation, the truncated name of the company. Thus, you will have the opportunity to check whether the name of the beneficiary coincides with the name automatically displayed in the "Account holder" field and to cancel or correct the payment order if they differ. SANB is a free service that aims to prevent fraud among customers making electronic payments and reduce erroneous transactions generated by the wrong entry of the payee's IBAN account. The service is available 24/7 among SANB participating banks.

In order to benefit from all the improvements brought periodically to our mobile applications, we recommend you to ensure that they are updated to the latest available versions.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are welcomed in any of our branches for activating Vista Internet and Mobile Banking services!

TPP Registration

TPP Connection

Technical Documentation

Starting with September 14, 2019 the Delegated Regulation (EU) 2018/389 of November 27, 2017 supplementing EU Directive no. 2015/2366 of the European Parliament and of the Council (PSD2 Payments Service Directive) entered into force.

The PSD2 Directive regulates payment services and aims to improve the standards on which payments are made in the European Economic Area and stimulate innovation in the payment services market, so that they become safer and more efficient:

• The Directive extends the scope and coverage area for payments in any currency made within the European Economic Area, but also for payments to and from countries outside the European Economic Area;
• The Directive regulates new players on the payments market: third party payment service providers (Third Party PSPs) who can provide clients with information services about accounts or initiate payments directly from the client's account;
• The Directive increases competition on the payments market and eases the path towards "one single banking market", a market without geographical or regulatory barriers and which is, moreover, an objective expressed at the level of the European Union. New operators and innovative payment methods through mobile phone and internet will appear.
• Consumers will be better protected against fraud, abuse and payment incidents.

EU Delegated Regulation 2018/389 is directly applicable in Romania and aims to increase the security in using electronic payment instruments (through cards, internet / mobile banking) by establishing the security measures for Strong Customer Authentication (SCA) and for safe communication with third party payment service providers (Third Party PSPs).

According to PSD2, PSP Third Parties will be able to offer to the customers, upon request and based on their consent, new types of payment services, regarding the customers’ payments accounts, accessible online, opened to banks or to other payment service providers.

As a result, if you choose to provide access to your VISTA BANK accounts to a PSP Third Party, such as a FinTtech company or other banks, VISTA BANK will allow the PSP Third Party access to your account data so you can benefit from any of the services described below:

Payment Initiation Service

You will be able to pay directly from your VISTA BANK current account through the PSP Third Party application, without having to access Internet Banking / Mobile Banking, and, in order to authorize a payment, you will use your Internet Banking / Mobile user and password and the code provided by the Vista eToken mobile application.

Account Information Service

You will be able to view the balance and transactions in your VISTA BANK payment account through the Third Party PSP application, without having to access Internet Banking / Mobile Banking. In order to authorize the view, you will use your Internet Banking / Mobile Banking username and password and the code provided by the Vista eToken mobile application.

This authorization is valid for a maximum of 90 days. During this period of time, the PSP Third Party may request information from VISTA BANK about the accounts you have indicated, without the need to re-authorize access to your data during this period.

Confirmation of the Availability of Funds

You can consent to a particular PSP Third Party to check the balance available in your account for the purpose of initiating a transaction by the PSP Third Party. The agreement can be revoked by you, at any time, from the PSP Third Party application.

These 3 types of services are only available for payment accounts accessible through Internet Banking / Mobile Banking.

Also, for your security and the security of your accounts, before using your Internet Banking / Mobile Banking user ID and password to access the services provided by a PSP Third Party, it is advisible to be sure that PSP Third Party is authorized / registered, by accessing the following links:

• Here, in the list “Payment institutions authorized by the NBR”;
• Or here, in the section “Institutions from other EU Member States for which the competent authorities have notified the NBR that they are authorized to provide payment services in Romania”.

The decision to opt for any of the 3 services described above and to give access to a PSP Third Party to the data from your accounts opened at VISTA BANK (ROMANIA) S.A. belongs fully to you.

TPP Registration

TPP Connection

Technical Documentation

Starting with September 14, 2019 the Delegated Regulation (EU) 2018/389 of November 27, 2017 supplementing EU Directive no. 2015/2366 of the European Parliament and of the Council (PSD2 Payments Service Directive) entered into force.

The PSD2 Directive regulates payment services and aims to improve the standards on which payments are made in the European Economic Area and stimulate innovation in the payment services market, so that they become safer and more efficient:

• The Directive extends the scope and coverage area for payments in any currency made within the European Economic Area, but also for payments to and from countries outside the European Economic Area;
• The Directive regulates new players on the payments market: third party payment service providers (Third Party PSPs) who can provide clients with information services about accounts or initiate payments directly from the client's account;
• The Directive increases competition on the payments market and eases the path towards "one single banking market", a market without geographical or regulatory barriers and which is, moreover, an objective expressed at the level of the European Union. New operators and innovative payment methods through mobile phone and internet will appear.
• Consumers will be better protected against fraud, abuse and payment incidents.

EU Delegated Regulation 2018/389 is directly applicable in Romania and aims to increase the security in using electronic payment instruments (through cards, internet / mobile banking) by establishing the security measures for Strong Customer Authentication (SCA) and for safe communication with third party payment service providers (Third Party PSPs).

According to PSD2, PSP Third Parties will be able to offer to the customers, upon request and based on their consent, new types of payment services, regarding the customers’ payments accounts, accessible online, opened to banks or to other payment service providers.

As a result, if you choose to provide access to your VISTA BANK accounts to a PSP Third Party, such as a FinTtech company or other banks, VISTA BANK will allow the PSP Third Party access to your account data so you can benefit from any of the services described below:

Payment Initiation Service

You will be able to pay directly from your VISTA BANK current account through the PSP Third Party application, without having to access Internet Banking / Mobile Banking, and, in order to authorize a payment, you will use your Internet Banking / Mobile user and password and the code provided by the Vista eToken mobile application.

Account Information Service

You will be able to view the balance and transactions in your VISTA BANK payment account through the Third Party PSP application, without having to access Internet Banking / Mobile Banking. In order to authorize the view, you will use your Internet Banking / Mobile Banking username and password and the code provided by the Vista eToken mobile application.

This authorization is valid for a maximum of 90 days. During this period of time, the PSP Third Party may request information from VISTA BANK about the accounts you have indicated, without the need to re-authorize access to your data during this period.

Confirmation of the Availability of Funds

You can consent to a particular PSP Third Party to check the balance available in your account for the purpose of initiating a transaction by the PSP Third Party. The agreement can be revoked by you, at any time, from the PSP Third Party application.

These 3 types of services are only available for payment accounts accessible through Internet Banking / Mobile Banking.

Also, for your security and the security of your accounts, before using your Internet Banking / Mobile Banking user ID and password to access the services provided by a PSP Third Party, it is advisible to be sure that PSP Third Party is authorized / registered, by accessing the following links:

• Here, in the list “Payment institutions authorized by the NBR”;
• Or here, in the section “Institutions from other EU Member States for which the competent authorities have notified the NBR that they are authorized to provide payment services in Romania”.

The decision to opt for any of the 3 services described above and to give access to a PSP Third Party to the data from your accounts opened at VISTA BANK (ROMANIA) S.A. belongs fully to you.

Please find below the statistics related to the performance and availability of the different interfaces accessible to our customers.