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.

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.

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.