Change language:

Assigning user rights

Paragraphs

A manager of the company can determine, without visiting the bank, who and to what extent can use the accounts and what kind of information can be seen by the users. To do this, the head of the company must be appointed as an administrator in the Internet Bank for Business Client agreement.

Employee (user of Internet Bank for Business) enters the Internet Bank with a personal (private customer’s Internet Bank) username. Users only see information appointed to them. This maintains control over the actions taken by each user.

The administrator can change the user rights in the Internet Bank menu item ’Additional services/Settings’ → ’Users and limits’.

General rights General rights provide access to all services and products of the Internet Bank that are not associated with a specific account, such as e-services and contact information of companies. These rights are also necessary for applying for leases and trade financing and for concluding some of the agreements related to the account together with the right ‘Conclude account-related agreements’.
Right to view the consolidated payment report Provides access for viewing the list of beneficiaries of consolidated payments. It is possible to view the consolidated payment report if, in addition to the right to view the consolidated payment report, the user has been assigned the rights to make and view payments.
Right to apply for loan disbursements The right to fill out and submit loan disbursement applications (in the extent of the loan amount or in instalments) in accordance with the terms of the loan agreement entered into with the bank. ‘General user rights’ are also required.
Right to apply for trade financing The right to submit to the bank applications for guarantees, letters of credit, and collection, or for amending them. ‘General user rights’ are also required.
Right to view account balance The user is authorised to view the balance of the respective account.
Right to view receivables The user is authorised to view credit entries in the account statement.
Right to view payments The user is authorised to view debit entries in the account statement.
Access to account-related services/products The user is authorised to view the information of banking services related to the account. If the user has only been granted the right to access products and services, but not the right to conclude account-related agreements, the user is not authorised to make changes in the agreements.
Right to conclude account-related agreements Concluding and amending standing payment orders, and debit and Virtual Card agreements (including blocking a card).
To conclude and amend other agreements (e.g. current account, deposit, e-invoice, notification service, plans), rights of the Internet Bank for Business ‘Access to products and services’ and ‘General user rights’ are also required. The conclusion of credit agreements and the submission of many other applications (incl. applications for the issuance of credit cards) is not subject to verification of the right to conclude agreements or the applicant’s authority.
Carrying out transactions A user is authorised to carry out all debit transactions with the account. It is possible to view the consolidated payment report if, in addition to the right to carry out transactions, the user has been assigned the right to view the consolidated payment report.
If desired, it is possible to specify a partial right to execute transactions, ie the roles of the person entering and confirming payments separately:
  • Right to prepare and change payment orders
The user has the right to prepare and change payment orders from the account, but not confirm without assigned „Right to confirm“. Daily and monthly limits are not applied for this right.
  • Right to confirm payments
The user has the right to confirm payments. If user doesn’t have the „Right to prepare and change payment orders“, user cannot initiate new payments.
The signing weight of payment confirmation If signing weights are assigned to an account, they will indicate the importance of the user’s signature when confirming a payment.
Daily transfer limit The maximum amount within which the user is authorised to make transfers from the account within one day.
Monthly transfer limit The maximum amount within which the user is authorised to make transfers from the account within one month.
Temporary daily limit
(optional)
The temporary maximum amount within which the user is authorised to make transfers from the account within one day. If this limit is assigned, the temporary daily limit will be checked instead of the daily transfer limit until the term for the temporary limit passes.
Temporary monthly limit
(optional)
The temporary maximum amount within which the user is authorised to make transfers from the account within one month. If this limit is assigned, the temporary monthly limit will be checked instead of the monthly transfer limit until the term for the temporary limit passes.

The same rights apply as for current accounts, except:

  1. Access to account-related services/products
  2. Right to conclude account-related agreements
Carrying out transactions The user is authorised to carry out all transactions with the securities account.
Viewing account balance The user is authorised to view the balance of the securities account.