With the help of M-Banka, you can receive the latest information at any time via SMS or e-mail on the balance of your bank account and debit cards. You can also make payments via SMS by using a pre-generated form from the e-NORVIK Internet-banking system.
Reports about any transaction involving your debit card and current account will be immediately sent to your mobile phone or e-mail address.
You can check your account balance at any time via SMS.
For your convenience, we suggest that you set the required limits on transaction amounts, so as to receive information only about transactions exceeding a certain amount or, for instance, only about payments being made into your account.
M-Banka payments: With the help of the M-Banka system, you can instruct the Bank to make certain payments from your account using pre-generated Internet-banking forms, and also to recharge prepaid mobile phone cards.
You can also receive information about the following:
Warning about deposit expiry
Confirmation of payment transaction
Warning that payment cannot be made
Confirmation of conversion transaction
Confirmation of transmission of SWIFT message regarding your payment
Confirmation of automatic payment transaction
Warning that automatic payment has not been made
Warning about blocked identification security device
Furthermore, M-Banka for current accounts gives you the opportunity to receive information about the following:
Account balance at any time indicated by you
Account balance at the end of a working day, end-week or end-month
Additionally, M-Banka offers the following for debit card accounts:
Blocking or activating your debit card if necessary;
Receiving a warning if your card balance is below the limit set by you;
Diverting messages to another phone number.
This way you can always keep track of transactions in your current accounts and debit cards.
Example: In the shop “ZZZZ” you have paid by card No 5425250000456777 the amount of LVL 10.15. You will receive the following message to your phone:
Last 8 digits of the card that made the transaction
Transaction amount and currency
Amount and currency available after the transaction
Place of transaction
Security of M-Banka
We ensure the security of the M-Banka service in the following ways:
The Bank sends messages only to the mobile phone number or e-mail registered by you.
You can change the terms of the M-Banka agreement with a bank cashier or in the e-NORVIK Internet Bank (Menu Services -> M-Banka).
M-Banka will only accept a payment order if:
the SMS has been sent from a mobile phone number stipulated in your M-Banka agreement
the M-Banka form selected by you is being used as the payment reference
the M-Banka payment order includes the correct electronic signature code from your identification security device (table or DigiPass).
Limits on fund transfers in M-banka
Using ID table
Using DigiPass 500/550
Using DigiPass Go3
600 LVL per day
3 000 LVL per month
6 000 LVL per day
20 000 LVL per month
3 000 LVL per day
10 000 LVL per month
The total amount of funds debited from the Client’s accounts through both e-NORVIK and NORVIK M-Banka may not exceed the limit set by the Bank for the system e-NORVIK.
Getting Connected to M-Banka
You must have a telephone supporting short message service (SMS) or an e-mail address.
Fill out the relevant form in e-NORVIK Internet Bank or at any NORVIK BANKA branch.
Making Payments at M-Banka
In order to set up M-Banka to execute payment orders, the mobile phone number stipulated in your M-Bank agreement must be assigned the M-Banka Payments function.
You must save the payment form that you wish to use when making payments via M-Banka. To do this, you may create new or use pre-generated forms, enabling the option “Form available for use in M-Banka”. Likewise, you can create forms for recharging prepaid mobile phone cards or for paying bills.
To execute a payment, send the SMS message “PAY” with the name of the form, payment amount, electronic signature data and payment details, as prescribed by the “PAY” command format.
After the payment is checked, you will receive a confirmation message that your M-BANK payment has been accepted and will be executed.
If the payment order cannot be executed for some reason, the Bank will send you an SMS with a description of the error.
