Online banking is a digital service that allows bank customers to access and manage their current account.

What will you need?

• An internet connection
• A digital device such as a computer, smartphone or tablet

How can I use it?

You can access these services by logging into your bank’s app or through a web browser on your computer.

What can you do with Online Banking?

• Monitor and adjust spending limits
• Manage your overall finances
• Apply for personal loans or mortgages
• Make payments/View bank statements and transaction history
• Make mobile top-ups

Why use it?

Online Banking gives you access to a wide range of banking services you might not normally consider.

Online Banking is available 24/7, so you can monitor your account anytime, day or night.

Online banking helps you feel more secure and independent in managing your money!

Immediate access: Services and operations always available, offering maximum flexibility and autonomy in access and operability.

Time saving: Operations can be completed in just a few clicks, without the need to visit offices or endure long waits.

Reduced environmental impact: Digitization of reports, communications, and documents, which are sent and are  accessed in digital format.

Ease of use: Intuitive and simple online banking interfaces enable even less experienced users to perform transactions quickly and easily.

History always accessible: Always updated transaction history lets you easily track income, expenses, and past movements to manage your finances.

Why is relying on online banking safer and simpler?

Thanks to automation, many banking operations are handled by fast and reliable digital systems that reduce the risk of errors and simplify the steps for the user.

Identity verification is done securely online, without needing to visit a branch, while automatic monitoring systems watch the account to detect suspicious activity.

This means that even with little digital experience, it is possible to manage your money independently in a more convenient, safe, and guided way.

For such important services, which involve sensitive data and the management of money and transactions, a single access code is not enough.

So how is the identity of the person accessing verified as the actual account owner?

Through two-factor authentication (2FA) 

This is an additional security system that uses two different elements—like a double key—to allow access:

1. Something you know or are (password)
2. Something you have (device)

The most important element to pay attention to is access to your bank account.

1. Download your bank’s app and the interface will guide you into the system.
2. Enter your Username / Customer Number / Customer Code / ID provided by the bank
3. Enter your PIN, which you can replace from your second login onward by choosing a password
4. In just a few moments, you will have access to your account!

Note: To activate access to online banking services, you often need to visit your trusted branch.

Lack of familiarity with digital tools and financial services must be addressed with special care.

Phishing emails: emails requesting information or indirect access attempts are fraudulent attempts to steal data!

The payments section is a key part of online banking.

It allows you to make bank transfers by simply entering the recipient’s IBAN, the amount to send and other information

You can save contacts (such as IBANs and names) directly in the app’s address book, so you don’t have to re-enter them each time—especially useful for frequent recipients.

Many apps also offer the option to schedule transfers automatically, making it easier to handle recurring payments like rent or subscriptions.

Below is a clear and intuitive example illustrating how to complete a bank transfer

You can then also select beneficiaries from your saved contact list.

Dedicated sections allow you to make instant transfers, which ensure that the funds reach the beneficiary within seconds.

Among the various functions, you will have the possibility to:

• Make phone top-ups — both for your own device and for a number different from yours — simply by entering the top-up details
• Make postal transfers
• Pay the car and motorcycle tax by entering the vehicle type, license plate, and any additional required information, then confirming the payment
• View the payment summary

If you need help, every banking app or has a section called CONTACTS or SUPPORT

From there, you can find the phone number to call, send a message to an operator, submit a written request, or start a chat with an assistant — even if you can’t access your account.

If you need help, you can always visit a physical branch. Using the bank's app, you can geolocate your location and easily find the nearest branch.

Pay attention to:

• Unrecognized access  – signals a potential account breach, exposing your data and funds to risk.
• Phone theft or loss – may give attackers direct access to your banking apps, saved credentials, and sensitive personal data.
• Digital Identity loss – theft is form of misappropriation of a person’s digital data and credentials often used to access your accounts, impersonate you, or commit fraud.
• Unauthorized payments – even small amounts can be signs of theft or unauthorized use of your funds, without your knowledge.