FAQ

SMSp@sswords are one-time codes sent via SMS to a mobile phone. SMSp@sswords are used to confirm operations in the Millenet online banking system for individual and self-employed customers.

The one-time codes sent via SMS are an innovative, convenient and secure method of authorising bank transactions. In fact it brings only benefits:

• you do not have to remember any numbers,
• you do not have to carry any additional devices with you,
• all you need to do a transaction is your mobile phone.

To activate you need to define your mobile phone in the system Using P@ssword 2
If you do not have an active P@ssword2 you should print it out in a Millennium ATM.
If you already have P@ssword2 and are using it in Millenet to confirm transactions, then activating SMSp@sswords will be possible without the need to print P@ssword2 again from an ATM.
When logging to Millenet the system will allow you to activate SMSp@sswords, and then will ask you to enter the number of the mobile phone, to which SMSp@sswords will be sent. You will receive the first SMS message with the activation password to the stated number. At the end the system will ask you to tap in selected characters from P@ssword2 in order to conclude the activation.

Using SMSp@sswords is very simple and intuitive.

• Before starting the transaction make sure that you have with you the mobile phone defined earlier in the system,
• after approval of transaction details in Millenet, SMSp@ssword will be automatically sent to the pre-defined mobile phone,
• now it is only necessary to check if the data contained in the SMS message are consistent with the data on the computer screen and type-in the SMSp@ssword,
• after the system has verified SMSp@sswords the transaction will be executed.

From 23rd September 2008 P@ssword2 can no longer be used to authorise Millenet operations. P@ssword2 can only be used to change/activate mobile phone number for SMSp@sswords.

A mobile phone is essential to use SMSp@sswords and confirm operations. There is also possibility of defining trusted beneficiaries, where executing transfers will not require SMSp@sswords, mobile would not be necessary.

SMSp@ssword authorisation is required for following transactions:

• Ordering a transfer from the Customer's account to accounts of other Customers.
• Defining, editing and deleting Standing Orders.
• Defining, editing and deleting Trusted Beneficiaries, granting Trusted status to a Beneficiary defined earlier.
• Change of settings in options: Profile - Personal Data, Profile - Security Settings.
• Defining and changing settings of the MilleSMS service.
• Top-up of Pre-paid mobile phones.
• Accepting the Bank's offer as regards credit products.
• Signing agreements with the suppliers (electronic invoices)
• Issuing supplementary cards to main credit cards
• Internet payment authorization

This is possible for domestic transfers and top-ups of pre-paid phones. For this purpose you must give the transfer beneficiaries and defined phone numbers Trusted status. However defining and editing such trusted beneficiaries does require the SMSp@ssword.

You do not pay anything for SMSp@sswords. Service activation is free-of-charge and the Bank will pay for the SMS messages sent with SMSp@sswords.

If the phone number has changed, then the new number should be defined in the system to continue using SMSp@sswords.
This can be done using P@ssword2 downloaded from an ATM:

• print P@ssword2 from a Millennium ATM using your debit or credit card,
• when you have logged in Millenet the system will ask you to give the number of the mobile phone, to which SMSp@sswords will be sent,
• after approval of the number you will get an SMS with the first SMSp@ssword, which you will have to enter in Millenet,
• at the end of the activation the system will require you to give selected characters from the P@ssword2 printed out in the ATM.

Apart from blocking the number with the mobile network operator you need to block it in Millenet. After logging on to Millenet select the option "MilleSMS > SMSp@sswords". Here select "Delete this number".
However please remember that to later define the mobile phone number you will need P@ssword2 printed out from an ATM, or will have to call the Bank's phone service.

No, only a mobile phone may be defined in the system and only to such numbers may SMSp@sswords be sent.

If SMSp@sswords were activated and the mobile phone number was defined, then during performance of every transaction, which requires the SMSp@ssword to be stated, it will be sent automatically by SMS to the mobile phone.

Unlocking the SMSp@ssword is possible by using P@ssword2 downloaded from an ATM:

• print P@ssword2 from a Millennium ATM using your Millennium Visa (Elektron) Konto card or Visa Electron Executive,
• when you have logged in Millenet the system will ask you to give the number of the mobile phone, to which SMSp@sswords will be sent,
• after approval of the number you will get an SMS with an activating SMSp@ssword, which you will have to enter in Millenet,
• at the end of the activation the system will require you to give selected characters from the P@ssword2 printed out in the ATM.

The password sent in an SMS message remains valid for 15 minutes from the time it was sent by the Bank. This time is sufficient to receive the message and approve the transaction. If for some reason this period is exceeded you can generate the SMSp@ssword again without the need to cancel the pending transaction, by selecting "Generate new SMSp@ssword".

If the SMSp@ssword was not delivered to the mobile phone you can generate the SMSp@ssword again without the need to cancel the pending transaction. On the screen for typing the SMSp@sswords select the button "Generate new SMSp@ssword". Generating a new SMSp@ssword is possible 2 minutes after this screen appears.

Yes, just remember to activate roaming service from your mobile network operator.Additionally the Bank enables use of SMSp@sswords through mobile telephones working in networks of operators in the United Kingdom.

No, for one Millekod only one mobile phone number can be given. Note! Assigning the number to another user, e.g. co-owner of the account, will result in deactivation of the number under the previous Millekod.