In order to make card purchases over the internet safer, strong customer authentication is required. To this end, the Bank provides the myRaiffeisen application free of charge for all cardholders, which you can download to your mobile phone.

Using the application, cardholders can approve their online purchases not only safer, but also simply and conveniently.

If installation of the mobile app is not possible, in that case as an alternative solution the payment can also be authenticated by entering the combination of PIN2 code + security code sent in SMS. You can find more information about this here.
What should a cardholder do to approve payments with the myRaiffeisen app?

If you have already installed the myRaiffeisen application, you can use it to approve your internet card purchases as follows: 

1. After you have entered the card data in the merchant’s online payment platform, the authentication page operated by Raiffeisen Bank appears in the screen.
2. Simultaneously, the cardholder gets a pop-up (push) message to his/her mobile device. 
3. The transaction can be authenticated through the myRaiffeisen application:
  • by entering the Mobile Token PIN code chosen by the customer, or
  • by fingerprint scan / facial recognition, provided that it has been authorised previously, and the device can handle it.
4. After this, the transaction must be finalised in the authentication page using the “Next” button.
5. That’s it!

In order to ensure that the new authentication method works properly on your telephone, please make sure in the Google Play Store, App Store, or Huawei App Gallery that the version running on your device is the latest version, and please enable the receipt of PUSH messages.
If you have not yet installed the myRaiffeisen application, please act as follows: 

1. Download the myRaiffeisen mobile application** on your phone from the URL, or from the App Store/Google Play/HUAWEI App Gallery store.

2. Enter the Direkt ID in the myRaiffeisen app.
3. Enter the one-time Digital Channel activation code received from the Bank.
4. Create a Password for your Direkt ID. 
5. Choose any Mobile Token PIN code (consisting of 5 digits), and remember it. Later on you may as well authorise your payments by fingerprint or facial recognition.
6. At this point you will receive a one-time SMS code necessary to activate the Mobile Token; please enter this SMS code in the myRaiffeisen mobile app.
7. THAT’S IT! Now you can approve your purchases in the internet through the application. 

If you have not registered your mobile phone at the Bank, or if your telephone number has changed in the meantime, or if any problem should have arisen during the download or installation of the application or during identification, please

  • contact your personal advisor at the Bank, or
  • call our telephone customer service with your identification codes at phone number +36-80-488-588, or
  • visit any of our branches.
Where can I find my Direkt ID?
  • If the cardholder has applied for Direkt and/or DirektNet service as well, his/her Direkt ID is included in the service application form.
  • If the cardholder has no Direkt ID, and his/her card was issued prior to 21/05/2021, the Bank informs the cardholder of the Direkt ID and the registration steps by postal mail.
  • If the cardholder’s card was issued after 21/05/2021, in case the card is sent by post, the Direkt ID is included in the card accompanying letter. If the cardholder chooses to receive the card at a branch, the Bank delivers the Direkt ID to the cardholder upon the delivery/receipt of the card.
Where can I find the Digital Channel activation code?

A one-time Digital Channel activation code is needed for the activation if the cardholder does not use the Direkt and/or DirektNet service. In such case the Digital Channel activation code is included in the SMS sent to the cardholder, and if the card is delivered at a branch, the one-time Digital Channel activation code is handed to the cardholder upon delivery/receipt.

What should I do if I have already installed the myRaiffeisen mobile app?

Cardholders who already use the myRaiffeisen mobile app as a method of authentication are able to access in the myRaiffeisen application all cards issued by Raiffeisen Bank, and consequently to approve their internet card purchases through the application.

How can I subsequently request a Digital Channel activation code?

You can request a new Digital Channel activation code through our call centre Raiffeisen Direkt, after proper identification, or in-person at any branch.

What functions are accessible in the myRaiffeisen application for cardholders?
  • From the functions of the myRaiffeisen application, cardholders who do not have DirektNet access are only able to use the function serving to authenticate card payments, and to view executed card transactions.
  • Cardholders who have DirektNet access as well are able to use the whole range of functions of the myRaiffeisen application.
What should I do if I have several roles?

You can view any of your Raiffeisen cards belonging to all your roles within the myRaiffeisen application. Since you have several Direkt IDs, you need to activate only one of these, and you will be able to approve the online payments executed with all your cards. To use the application, however, you should activate minimum one access.

What should I do if I do not have a mobile telephone number registered in the Bank's system?

In order to provide your mobile telephone number and request a Direkt ID, please visit any Raiffeisen Bank branch in-person, or call your personal advisor at the Bank. In order to avoid waiting, and for quicker administration, please make an appointment in advance.

What can you do if you wish to authenticate your internet card purchases without using the myRaiffeisen mobile app, with PIN2 + SMS security code?

All you have to do is create a PIN2 code following the steps below:
1. Click on the following link to create the PIN2 code:
2. If you have not yet activated your Digital Channel access, open the Activation tab, where

  • you can enter the Direkt ID, then
  • enter the activation code received in SMS,
  • create your password related to the Direkt ID.

3. If you have already activated your Digital Channel access, click on the Login tab, where
  • you can enter the Direkt ID, then
  • enter your password,
  • enter your one-time password sent in SMS for the login.

4. After login you can enter the PIN2 code, which you will be required to authenticate with your password linked to the Direkt ID and a one-time SMS code sent to you for this purpose.
5. THAT’S IT! Now you will be able to approve your internet purchases without the application, by entering the PIN2 + SMS codes.

If you have forgotten the PIN2 code you have set in the system, you can create a new one at any time, even during shopping.

How can I change the method of approval of payments?

If you have so far authenticated your card payments using the PIN2+SMS security code, and would like to switch to using the myRaiffeisen app, simply just install it on your mobile phone, and register it. You will be able to approve your payments through myRaiffeisen going forward. Until payment has started, you can change between the methods of approval.

Until payment has started, you can change between the methods of approval.

What happens if I enter the PIN2 or the SMS security code erroneously?

If you have entered an erroneous PIN2 or SMS security code, the transaction will fail. You can restart the authentication in the website of the online trader or card accepting merchant. If the authentication of the transactions fails five consecutive times, for security reasons no more internet payments will be allowed with your card until the end of the day. The prohibition will be lifted at 0:00 midnight, and on the next day you will be able to use your card again for internet payment.
During the temporary prohibition you will still be able to pay via POS terminals or draw cash from ATMs.

Why is strong customer authentication necessary?

The PSD2* directive requires in the course of purchases initiated online (in a remote channel) that banks use at least two identification elements simultaneously to ascertain the identity of the originator. By means of strong customer identification both the Bank and the merchant can make sure that the payment transaction was indeed initiated by the cardholder.
The procedure is supposed to ensure-in the interest of the users’ protection-that only the person authorised to use the card, i.e. the cardholder, may authenticate the transaction.
*Directive (EU) 2015/2366 on payment services in the internal market (PSD2 directive).

When is it not necessary to confirm an internet card purchase with strong customer authentication?
  • The new rules do not apply to card purchases in websites operated outside the European Economic Area (typically in Asia or the United States).
  • In the case of payments not exceeding the amount of HUF 5,000 (or EUR 30, or USD 30), provided that there are no more than 5 such consecutive purchases.
  • In respect of payment transactions assessed as low risk by the Bank.
  • In the case of recurring transactions (e.g. subscriptions) strong customer authentication is needed only when the authorisation is given, and it is no longer necessary in the case of the further transactions. If you have given such an order previously—prior to the introduction of the security code—it is not necessary to give the authorisation repeatedly.
  • In the case of so-called MO/TO (Mail Order/Telephone Order) purchases, again no strong customer authentication is required. In the case of these transactions the card purchase takes place in the cardholder’s absence, on the basis of his/her written or telephone order, and the data provided by the cardholder are recorded manually by the accepting entity. The cardholder of course has to consent to the use of the data, and the storage of the card data in any form after the transaction is completed is subject to enhanced security requirements.

*Directive (EU) 2015/2366 on payment services in the internal market (PSD2 directive )..

**You need a mobile phone with an Android 5.0, iOS 11.0 or later operating system, which also has internet access.