What does “Mobile Banking” mean?
How does a mobile banking service work?
What are the terms for being a client of SmartTel SMS – mobile banking service?
How do you become a subscriber?
Means of payment
The information received by SMS message is referring to what account?
I am already an active client of SmartTel SMS service, but when I call 1881 I don’t receive any message. Why?
You have signed the contract for SmartTel service but when you call 1881 you don’t receive any message. Why?
How can I use the service when I am outside the country?
Can I get some examples of PUSH services offered by SmartTel SMS?
How do you set up the address in order to use SmartTel 3G services?
You failed to introduce the password for three times (SmartTel 3G or SmartTel WAP). What can I do in order to settle the problem?
Why the date displayed in the message is not the current date of receiving?
You obtained a loan from Raiffeisen Bank. Very well! But HOW can you monitor this account?
What types of messages can I use in order to set up my SmartTel account? / What are the types of messages for performing SmartTel operations?

Answer:

“Mobile Banking” is the service that allows a bank-client to request and to receive information about a personal account, credit limits or to pay utility bills and to transfer founds between accounts using the personal mobile phone. The difference between the information received by SMS and the information received by this service is interactivity. The client requests only the useful information in a well-determined moment.

Answer:

Mobile banking service – SmartTel SMS – uses the possibility to request and to receive text messages, named SMS messages on the mobile phone. The client write a text message (max 160 characters), message which will be send to a predefined number (1881 / 1681). This message leaves the mobile phone, through the GSMS SMSC by a SmartTel software module, to the bank, where the response is generated and sent to the client. SmartTel 3G and SmartTel WAP are using the browsing method. In this way you have access to some .wml (for SmartTel WAP) or .chtml (for SmartTel 3G) pages.

Answer:

The terms for being a SmartTel SMS client:

  • to already have an account (current, card, deposit or credit account) open with one of the following: Raiffeisen Bank or BCR;
  • to already have a mobile phone in any network on Romanian market – Vodafone, Cosmote, Orange or Zapp. (Attention: the prefixes accepted for using SmartTel SMS service are: 072 / 074 / 076 / 078 – x xxx xxx. This service can’t be accessed by Romtelecom network or by foreign countries telephone networks;
  • to sign a “SmartTel service utilization contract”; it is available at all bank branches.

Answer:

First step – you have to pay a visit to the branch of your bank, where you have opened the account.

There you will sign a contract, which will allow you the access to the SmartTel services. At the moment of concluding the contract you will have to establish some options that will enable the services which you would like to benefit. (Samples: SmartTel SMS, SmartTel SMS Plus, SmartTel 3G or SmartTel WAP).

Do not overlook the options of alerts, which can keep you in touch in real time with the evolution of some situation on which you are focused.

Answer:

Every service has its own tariff, in this respect we kindly advice you to ask complete information about the various offer of SmartTel services, when you would like to sign the contract with the bank.

Regarding the service which allows you to receive as soon as possible the information on the situation of your account, your costs depends on way of your access. If you chose to call at “1881″, your call will be free of charges, but if you send a SMS message request at “1881″, this will be charged at normal tariff by your phone operator (Vodafone, Orange, Cosmote or Zapp).

The message received by you in response to your enquiry will be charged by the bank at the tariff specified in the contract for SmartTel services.

If you chose SmartTel 3G or SmartTel WAP services you have to pay for the browsing access subscription. In this way you will be able to know in the real time, about the services and the products of your bank. The whole range of requests about the situation of your account, which will demand a response as SMS message will be charged by the bank at the value specified in the contract.

All the charges of the services offered by the bank will be retained from your account.

In the case when your account is empty you have to be aware that the bank can stop the access to the mobile banking services until the situation will be improved.

Answer:

The information received by SmartTel SMS concern the account(s) that you have indicated in the utilization contract. You can not obtain information concerning other accounts.

Answer:

There are more reasons for which, even if you are a SmartTel subscriber, you don’t receive a response SMS for a 1881 dial:

  • you dial with “hide identity” option enabled (that means your phone number is not visible for the other persons in the network that you are calling). Because this is the way that allows us to identify you, it is necessary to disable this option or to send an SMS to 1881 / 1681 (only for Vodafone, Orange or Zapp / Cosmote);
  • you have the SMS box full (each phone type has an establish number of messages – more often 10 or 15. When you have the SMS box full, you can’t receive the new messages, even they were sent to you);
  • the service was disabled by bank.

Answer:

Usually, there are necessary minimum 24 hours, after the contract subscription, for that the service to work on your mobile phone (this period may vary depending on the bank, and usually ranges from one to five days). If after this period you don’t receive the requested information – through an SMS message – it is recommendable to contact the bank clients relations department.

Answer:

You can use SmartTel SMS service even you are outside the country, through you mobile phone – sending an SMS message to 1881 / 1681. This option is not available for the Zapp users. For availability, please contact your service provider.

Answer:

PUSH services can be divided in two categories, depending on the event that generates and transmits the message to the client:

  • Periodical services (the event depends by a moment specified by the client). In this way you can receive periodical messages:
    • monthly (in specified day of the month (any value between 1-31), at a specified hour (any value between 0-23) and the minute (0, 15, 30 or 45 – there are accepted 15 minute subdivisions – established by the client);
    • weekly (in specified day of the week (any value between 1- 7, Monday to Sunday), at a specified hour and minute;
    • daily (including the week-end), at a specified hour and minute.
  • Account balances when a pre-defined event occurs (the event is determined by a pre-defined modification of one attribute of the account – account balance, interest rates, payment term, etc).

Answer:

For Hyundai:

  • Click on the “web” button
  • Access the “Favorites” submenu;
  • Then get in “Add Favorites” option;
  • In the “Display Name” field chose a name, this name will help you to recognize very quickly the path for the SmartTel 3G;
  • Click dawn in order to get in “Site Address” field and then write the following address: smarttel.zappmobile.ro;
  • Click OK for the “ADD” option;
  • After you have fulfilled these steps, you have completed the set up process.

Answer:

You failed consistently to introduce the password for three times (in the case of SmartTel 3G or SmartTel WAP). What can I do in order to settle the problem. In this case, you have to call to the branch bank, where you signed the contract, and let known the situation.

Answer:

The date displayed in the message is in conformity with the updating date induced by the last credit or debit transactions, or by the interest rate effects.

Answer:

SmartTel was built to offer information on mobile phone about the account balance for:

  • card
  • current
  • savings
  • credit

The alert will inform you about all changes in the account.

Interest Rate Alert – you will be notified about the changes in Raiffeisen Bank interest rate for your credit.

Alert for payment day – one day before the due date the client is informed about the payment day and the amount of installment

Answer:

For each type of operation that can be performed through SmartTel you should send the proper SMS to the dedicated short number. Examples of messages for each of the operations you can perform:
Raiffeisen Bank
BCR