Smart Nova"

3D services Mastercard® Identity Check™ and Visa Secure are free services for secure purchase with Maestro/Mastercard and/or Visa cards at online points of sale that support 3D service. When financially confirming the purchase, you additionally confirm your identity with a one-time SMS password. The exchange of classified information is performed exclusively between you and the Bank, and the internet point of sale does not have access to the information being exchanged.

Activation of 3D services is realized exclusively during the first purchase at an online point of sale that supports Mastercard® Identity Check™ and Visa Secure payment system.

Contactless technology provides a fast, easy and secure way of payment:
- payment is made in a few seconds;
- it is enough to just put the card on a contactless reader;
- for purchases up to 60 BAM there is no PIN authorization.

The current account can be opened by simply submitting a request in person at the nearest Nova banka branch with the submission of the required documentation.

Residents:
- A copy of a valid ID card;
- CIPS certificate of residence or any bill for monthly overheads with the name and surname and address of the client (not older than 6 months);
- Filled in account opening form.

Non-residents:
- Certified copy of the passport of the country whose citizen is a client;
- Signed statement on the non-existence of an account over which a measure prohibiting
the disposal of funds has been determined;
- If the account is opened for the purpose of a one-time payment or disbursement, it is necessary to submit a Statement on the non-existence of outstanding tax liabilities based on public revenues and taxes in the territory of BiH;
- Filled in account opening form.

The foreign currency account of Nova banka client is multi-currency, as it is possible to have transactions in different foreign currencies on one account.

- To use the Smart nova web application, the User is obliged to provide minimum technical requirements: processor generation P4 or higher, minimum 1 GB of memory, minimum 200 MB of hard disk space, internet access speed 128 Kbps or more, graphics card with a resolution of 1024x768 or more, operating system WinXPSP2 or higher, Adobe Reader 9.0 or higher, internet browser: Chrome version 30 or higher (on Win7+, Android 4.1+ or iOS9+), Firefox version 27 and higher (on WinXPSP2+, Android 4.0.3+ or iOS 8.2+ ), Internet Explorer (I IE mobile) version 11 (on Win7) and higher.
To use the Smart nova mobile application, the User is obliged to provide a smartphone with the operating system for Android minimum version 5.0, for Apple iOS 6.0+ with internet access. The client is obliged to download the latest version of the mobile banking application from the appropriate market ("Google Play" or "App Store").

- The User undertakes to keep the data about the username and password, and to notify the Bank immediately and without delay of any case of loss or misuse of the user data for the use of the application. Loss or theft of means of identification, business entity (authorized representative, contact person or user) is obliged to immediately report to the Bank/nearest branch office during working hours from 08:00 - 18:00, via free contact phone: 0800 500 11 or 051/333-350 and/or to the e-mail address nova.kontakt@novabanka.com. The user bears all damage caused by non-compliance with the instructions related to the use of Smart nova web and mobile application, especially in case of disclosing or making available passwords and means of identification (token) to unauthorized third parties, failure to report loss, theft or unauthorized use of means of identification or Smart nova application, loss or theft of the mobile phone to which he/she receives SMS messages or failure to report changes to the mobile phone number to which he/she receives SMS messages. The Bank will block the User from using the Smart nova application, if upon the User's report the Bank establishes loss, theft or unauthorized access to the Smart nova service or means of identification. Use of the service(s) will be re-enabled after the identification means have been replaced. The Bank is not liable to the User for the damage caused by his non-compliance with the instructions related to the safe use of the Smart nova service, as well as for the damage that occurred before the report of unauthorized use of the Smart nova service and blocking of the same.

- The Bank executes payment orders in accordance with the General Terms of Use and in accordance with other enforceable agreements and applicable regulations. All user actions are electronically recorded. The electronic record of procedures and orders is archived in accordance with the applicable legal regulations. The Bank will execute payment orders when all conditions for execution are met, in accordance with the applicable legal regulations governing the performance of payment transactions. The Bank is not responsible for the confidentiality of information after their receipt on the defined mobile phone of the User and is not responsible for the abuse caused in this way. The Bank is not obliged to verify the ownership of the mobile phone specified in the Application.

- The user is obliged to use the services in the manner prescribed by the instructions for the use of services. Instructions for the use of services are available on the Bank's website www.novabanka.com.

Your mobile phone needs to support either Apple iOS version 6.0 or Android version 5.0 or later versions of the said operating systems.

The condition for activating mobile and web Smart Nova application is that you have an active current account in Nova banka.

First login:
- Downloading the application from the market;
- Entering username and password (data are submitted after activating the service in the Bank's branch);
- Entering activation key;
- Defining a PIN.

Each subsequent login:
- Entering a defined PIN

The application can be installed on multiple devices.

Operating system: WinXPSP2 or higher
Internet browsers: Chrome version 30 or higher, Firefox version 27 or higher, Internet Explorer version 11 or higher, username, password and a token issued by the Bank

The condition for activating the Smart nova mobile service is an active current account in Nova banka.
The user must also own a smart mobile phone.

First login:
- Access to the Bank's website;
- Entering the username and password (data are delivered to the client after activating the service in the Bank's branch);
- e-mail verification;
- OTP verification.

Each subsequent login:
- Enter username and password;
- OTP verification.

OTP (One time password) is a one-time security code that is generated on a token or delivered via SMS.

A mToken is a security device that ensures the confidentiality and inviolability of information about your accounts when using the Smart nova service. The token is used to identify the user when signing a payment order when creating and executing a payment transaction.

1. Unusual vocabulary: Be wary of e-mails asking for "urgent action" or "immediate response" and emails containing "grammatical errors" or "spelling mistakes".

2. Approach with caution: Carefully check the received e-mail and keep in mind that in fake e-mail you are often asked for user data or it suggests you to open an attachment or to install a tool that was delivered to you via e-mail.

3. Non-standard e-mail addresses: Be careful with all e-mails that are not sent from known e-mail addresses. If you know the address, make sure it is spelled correctly (whether it contains an excess or a lack of characters).

4. Unusual add-ons: It is necessary to handle all add-ons (attachments) with caution, especially when it comes to ".exe", but also files that we regularly use in our work - Excel (.xls or .xslx), Word (.doc or .docx), PDF, etc.

5. Unusual links: Although the link may seem correct, check the right destination to which the link sends you before each click. You can do this with a simple trick - before you click, position the cursor above the link and check the address of the webpage to which you are being directed. Also, you can access the link by manually entering the address in an Internet browser”.

6. E-mail without text, with attachment: If you receive e-mail without text and only with an attachment attached, be sure to approach with caution.

Nova banka offers its clients a wide range of savings products. In addition to sight savings (avista) or classic term savings, other types of savings are available to depositors:
Free savings, Annuity savings, Open savings, Children's savings, Step by step savings (step savings) and Free term savings.
It is possible to open a savings account in the nearest Nova banka branch, and define the type and duration of the savings contract.

Residents:
- A copy of a valid ID card;
- CIPS certificate of residence or any bill for monthly overheads with the name and surname and address of the client (not older than 6 months);
- Signing a contract on a certain type of savings, and keeping a savings account.

Non-residents:
- Certified copy of the passport of the country whose citizen is a client;
- Signed statement on the non-existence of an account over which a measure prohibiting the disposal of funds has been determined;
- If the account is opened for the purpose of a one-time payment or disbursement, it is necessary to submit a Statement on the non-existence of outstanding tax liabilities based on public revenues and taxes in the territory of BiH;
- Signing a contract on a certain type of savings, and keeping a savings account.

Deposit insurance with the Deposit Insurance Agency is performed in accordance with the Law on Deposit Insurance and other regulations. The maximum amount of the insured deposit is 50,000.00 BAM.

- For security reasons, do not store user code using the AutoComplete options offered by most browsers. For example, for Internet Explorer, go to "Tools" / "Internet Options" / "Content", click AutoComplete, and don't mark usernames and passwords on forms.

- Configure your browser in "Tools" / "Internet Options" / "General" / "Temporary Internet Files" / "Settings", the section Automatically is marked by default.

- We recommend that you check "Every page visit or Every time you start Internet Explorer" so that the browser can search the page view on the Internet, and not in the cache.