SMS-OTP (SMS One time password)— a bank service for confirming transactions in Internet banking and mobile banking using one-time codes sent in an SMS message to the registered phone number of the Signatory.

The daily limit for signing documents with an SMS code is 1 million ₽ during the day (Moscow time).

If you have a token, it is possible to certify counterparties, and the daily SMS-OTP limit in favor of such recipients will be increased to 3 million rubles during the day (Moscow time).

Advantages:

There is no fee for connecting and using the service

Does not require installation of additional programs and drivers

Does not depend on the operating system of the computer and mobile phone

Codes are one-time use, valid for a limited period of time and only for a specific operation

How it works:

When signing a document in Internet banking (ELBRUS Internet, RBO) or in mobile banking (ELBRUS Mobile, Raiffeisen Business), a 4-digit code is sent via SMS to the registered phone number, which must be entered in the system. If the code is entered correctly, the document is signed successfully and is available for sending.

How to connect:

To activate the service, you must provide a corresponding application indicating the signatory and mobile phone number (Appendix No. 12 to the Bank-Client System Agreement).

If you have a token, then connection is possible in the ELBRUS Internet system in the section “Services and services” - “Additional services” - “SMS-OTP”. You need to create an application and confirm it with a token.

Restrictions:

You can sign only one document with one SMS code.

To increase the security of the service, each time an attempt is made to sign documents, it is checked whether the SIM card with the registered phone number has changed. If a change of SIM card is detected or it is impossible to verify the immutability of the SIM card, then signing the document with SMS codes is not available.

In international roaming, SMS-OTP may not work, since in this case information about a possible SIM card change may not be available. For security purposes, the SMS code is not generated in the account under such conditions.

Not all cellular operators are suitable for connecting to the service, since not all operators can check for a SIM card change (for example, Motiv, etc.).

The service is activated only for one phone number. That is, the code is sent to only one recipient.

What to do if the SIM card has changed:

If your SIM card has changed, the service must be reconnected (see How to connect).

Moreover, if you have changed your SIM card without changing your phone number, you can reconnect the service by contacting the Bank Information Center 8 800 700-4646 (subject to successful identification)

Raiffeisen Bank has been operating in the field of banking services in Russia for more than twenty years. Today it has become the largest foreign group of banks operating in the Russian Federation. For its clients, Raiffeisen Bank provides the most up-to-date solutions and tools for financial control, including Internet banking and a mobile banking application.

Login to your Raiffeisenbank personal account

To authorize in the bank’s online service, you need to go to the authorization page https://online.raiffeisen.ru/#/login/main and fill out your account information.

Important: When logging into your personal account for the first time, it is recommended to change the password to a more complex one.

This can be done on the personal account settings page https://online.raiffeisen.ru/demo/#/settings. To get to the page, click on the gear icon in the upper right corner of the screen.

The username and password are entered into special fields on the settings page. By clicking on the question mark, you can read recommendations for choosing reliable login and password combinations.

Here, just below, you can configure logging in using a one-time password. If you check the login confirmation checkbox, then every time you visit the online bank, after entering your account data, you will receive an SMS on your phone with the password for this session. The code must be entered into the appropriate field on the next Internet page.

Login with confirmation is a more secure authorization option. Using this option, you can protect your finances, even if your username and password are known to attackers. In addition, you will immediately learn about any attempt to access your personal account by unauthorized persons.

Raiffeisen personal account registration

In order to start using the web banking system from Raiffeisenbank, you need to register. There are several ways to register in online banking:

• visit a bank branch in person;
• obtain account information using an ATM or online.

The last method is the simplest and requires the least amount of client time, however, in order to use it you need a Raiffeisenbank card.

First you need to go to the Raiffeisenbank website at https://www.raiffeisen.ru/. On the main page in the second line from the top there is a button “INTERNET BANK”.

After clicking on this button, we are taken to the authorization page https://online.raiffeisen.ru/#/login/main. Here in the upper left corner there is a button to start the registration process “Connect” - click on it.

As a result, you will be taken to the registration page https://online.raiffeisen.ru/#/login/connect. Here the user enters his card details, namely the card number, consisting of 18 digits, its validity period and the CVC/CVV sequence.

After entering your card details, click the “Get access” button. After this, an SMS message with a confirmation code will be sent to the phone linked to the card. The resulting combination is entered into the form that appears on the screen.

Following this, you will be taken to the authorization page, where the username field will be automatically filled in by the system. This login will be used to log in to the system. The password will be sent via SMS to the mobile phone linked to the card. After entering the password, the user will be taken to his personal account and will be able to use all its functionality.

You can get acquainted with the capabilities of the online banking system without registering in it using the demo version of your personal account. The button to enter the test version is located in the lower left corner of the page with the authorization form.

Among the available tools in Raiffeisenbank’s client service are:

• viewing transaction history;
• popular option for payment templates and autopayments;
• management of bank products - cards, accounts, deposits, loans;
• transfers between accounts and cards, opening, replenishment;
• money exchange transactions;
• access to Raiffeisenbank family products.

How to recover your password

If you are unable to log into your online banking system, you will have to use the access recovery procedure. You can do this yourself via the Internet if you have a bank card (credit or debit) from Raiffeisenbank. The access restoration button is located on the authorization page https://online.raiffeisen.ru/#/login/main.

You will need to provide your card details, wait for a message with a confirmation code to arrive, and enter the received number in the appropriate field. After this, the bank will send an SMS with a temporary password to log into the Internet banking system.

Raiffeisenbank has been operating in the Russian credit and financial market since 1996, constantly introducing innovative technologies into its structure. This global project is a powerful offshoot of an international banking corporation that covers all countries of the world. Currently, all bank clients can use an effective online tool for monitoring and managing loan and deposit accounts.

The basis of the proposed Internet banking “R-connect” is a personal account, which requires personal registration and confidential use. Advanced encryption algorithms protect all transactions, and the user-friendly interface does not cause difficulties for the vast majority of users.

Main features of your personal account

• Remote transfers to any bank accounts;
• Blocking credit and debit cards;
• Foreign exchange;
• Opening savings accounts;
• Control over credit lines with payment of current payments;
• Applications for loans and new bank cards;
• Receiving account statements;
• Creation of popular payment templates;
• Payment for a wide range of services and fines;
• Automatic transactions at fixed times;
• Online consultations.

Raiffeisenbank's personal account is represented by mobile applications for Android and iOS software platforms. These free utilities allow you to perform the above operations directly from your portable devices.

How to register a Raiffeisenbank personal account

1. Visit the nearest bank branch in person with your passport and bank card. As an option, go through the procedure of connecting to Internet banking during the initial conclusion of the contract. In this case, the specialist will give you a personal login and password.
2. Make a phone call 8 800 700-91-00 and provide upon request your passport data and the code word that you chose when registering the banking agreement.
3. Go to the page https://online.raiffeisen.ru/#/login/restore, enter all the details of your bank card, and then receive a response message with a one-time access code.
4. Registration using an ATM, where you need to go to the “Internet Banking” menu and enter your mobile number. After this, the system will send a message with an access code, after entering which you will receive a new SMS with your login and password.

It is strongly recommended to enable the SMS notification option for all completed transactions and events. This function will allow you to quickly respond to any emergency or suspicious situation. This can be done on the page https://www.raiffeisen.ru/retail/remote_service/sms-notice/request/.

Login to your Raiffeisenbank personal account

Instructions:

1. Go to the login page: https://online.raiffeisen.ru/#/login/main;
2. Enter your username and password.

If this login method does not suit you, there is another option - Login to your Raiffeisen Bank personal account using your card number.

1. Go to the page https://online.raiffeisen.ru/#/login/restore
2. Fill in the following fields: your card number and expiration date.
3. Next, you must agree to the terms and conditions and click the “Get access” button.
4. An SMS message with a password will be sent to your mobile phone.

Each entry into your personal account is accompanied by a message with a one-time access code, which is active for a short period of time. In case of remote registration, you must pay attention to the presence of a secure connection icon. In the personal settings of your personal account, you can register your own password, which will be valid for 180 days. Password requirements are at least 8 characters with a combination of lowercase and uppercase letters, as well as numbers and special characters.

If you have difficulty logging into your Raiffeisenbank personal account, you can contact the hotline: 8 800 700-91-00 .

Recover the password from your Raiffeisenbank personal account

You can restore access using the following sequence of actions:

1. Login to the Raiffeisenbank website https://www.raiffeisen.ru/ with the transition to “Internet banking”, and then follow the “Restore access” link.
2. Entering your bank card number and secret code.
3. Agreement to the terms of data processing.
4. Receiving a message with a code that is entered into the appropriate window on the site.
5. Indicate your login.
6. Receiving a temporary password on your mobile phone.
7. Changing the temporary secret code to a permanent password, according to the requirements described above.

You need to know this!

• Access to your personal account by unauthorized persons is fraught with the loss of all savings. Therefore, never tell anyone your login and password. And if you have lost or had your mobile phone stolen, immediately report it to the hotline 8 800 700-91-00!
• Bank employees and software applications never ask clients for passwords or access codes. Only scammers can do this.
• Installing and using software of dubious origin on devices not protected by antivirus, in most cases, leads to the transfer of sensitive information to interested attackers.

Otherwise, Raiffeisenbank’s personal account will be your reliable assistant anywhere in the world where there is Internet. With this convenient application in all respects, you will manage your financial and credit transactions without contacting the bank. Such opportunities are especially convenient when staying abroad. Learn to properly use all the options of this multifunctional platform, and your financial security and freedom will increase dramatically.

Login to the Personal Account of the Internet bank “R-connect”: connect.raiffeisen.ru

Today, almost all modern banks offer their clients a huge range of different services. One of these services is a personal account, which constantly allows the client to remotely manage their financial funds. To use the Internet banking service, the client must personally contact one of the local branches of Raiffeisenbank, or, using an Internet connection, register at any convenient time in the “connect” system, which operates around the clock.

Your personal account is a very convenient and at the same time simple service that allows you to find out at any time the most current financial information about the status of your account, the loan balance and the date of its repayment, as well as carry out operations such as: payment of utilities, money transfers to third-party accounts and many others.

Despite the simplicity of the Raiffeisenbank personal account interface, it is as useful and convenient as possible. Using a multifunctional menu, the client can easily find and carry out the banking transaction he needs. The menu consists of a list of categories: “Accounts”, “Loans”, “Deposits”, “Debit cards”, and “Mutual Fund(s)”. Below are current offers on online insurance. The settings section is at the top of the interface. Security settings and a transaction selection menu are also located there.
If any difficulties arise in using the “personal account” service, a Raiffeisenbank client can promptly contact the support service, which will provide assistance at any time of the day.

Registration procedure in your Raiffeisenbank personal account

In order to register your personal account, you must complete the following steps:

• You can become a client of the Raiffeisen Connect online service by visiting a bank branch in person or using an ATM. At a bank branch, the client must fill out an application form for registration in the R-connect system, and then select a method for obtaining a personal password (via a card reader or mobile phone), after which a bank employee gives the client a sealed envelope containing a personal access password to the Internet banking system, valid for 60 days.
• The second way to register in the Raiffeisen Connect system is to connect using an ATM. All that is required is to insert your bank card into the ATM and enter the PIN code. Next, select “R-Connect Internet Banking” from the menu. After this, the system will ask you to indicate your mobile phone number linked to the card. The final stage is to enter a one-time password, which will be sent to your phone as an SMS message. Then the ATM will give you a personal login to enter your personal account.

Login to your personal account. Login and password

Logging into the personal account of a Raiffeisen Bank client is quite simple. To do this, you need to go to connect.raiffeisen.ru or click on the “Internet Bank” tab on its official website. The Raiffeisen Connect system will ask you to enter personal data (login and password) and a special authorization security code into the appropriate fields on the screen. After logging into your personal account for the first time, it is recommended to change your password and login. To change these parameters, go to the “Settings” tab. The new password and login will be active for 6 months. After the 6-month period, Raiffeisen Connect will require you to change your personal settings again.

How can I view my card balance?

To control the balance and expenditure of funds in all your bank accounts opened with Raiffeisen Bank, you need to use the “Accounts” tab, which is located in the upper left part of the personal account interface. Using this menu you can view all flow, card, credit and deposit accounts. In addition, this menu will help you generate the statements the client needs. In addition to the current balance, in the “Actions” tab the client has the opportunity to view detailed information about each open account.

How to make money transfers in the Raiffeisen online system?

In the main menu of your personal account, select the “Transfers and Payments” section, and in the subsection, select the “Transfer to Third Parties” item. You will see a form for making a financial payment.

This form contains several additional fields in which you should enter:

• sender's details;
• recipient details;
• field for entering the payment amount and payment purpose.

In the “Recipient Details” field there are two options that allow you to make a traditional bank payment by account number and “Payment by card number”.

Payment by account number means that to make this payment, the client only needs to enter the 15-digit card numbers of the sender and recipient of the funds.

For convenience, the client can use a pre-created template.

How to pay for utilities and other services?

Using the Raiffeisen Online system, the client can make regular telecommunications (television, telephone, Internet) and utility payments.

In the main menu of your personal account, select the “Transfers and Payments” tab, and then “Transfer to Third Parties”. The client will see a form (or template) of the selected payment. It is worth paying attention to the fact that all fields presented must be entered in strict accordance with the data indicated on paper receipts.

After filling out the field with the sender's details, enter the account number of the recipient of the funds. In the “Recipient's name” field, you must enter the name of the organization providing you with services, then the recipient’s EDRPOU code and the amount from the paper receipt. After filling out the above fields, click on the “Continue” button.

After you receive a service SMS message with a one-time code on your mobile phone, click on the “Continue” button again, and then “Pay”.

How to create a payment template?

For additional customer convenience, the Internet banking service provides the ability to create payment templates. When carrying out a particular payment transaction, the client can save its details as a template for future payments. The main purpose of these templates is to free the client from the tedious need to regularly enter payment details. In order to use a template, just select a previously saved template from the list.

Service "Autopayment"

As a rule, the Autopayment service is available to all clients of the R-Connect system from Raiffeisen Bank. To correctly configure this service, you need to create a payment template (see “Templates”), after which in the appropriate fields you should accurately enter a schedule according to which funds will be automatically transferred to the specified account of organizations or individuals.

How can I get information about my loan balance?

Having your own account on the official portal of this institution provides users with a unique space in all respects in a high-quality banking system. If you log into the Elbrus Raiffeisen system, you can at any time find out information about financial transactions, savings on deposits, and you can also study the dates of loan payments, and so on.

To start using the section effectively, you need to carry out a simple registration process through the organization’s office or ATM. When visiting the office, you just need to write the appropriate application regarding the registration operation and choose the method of obtaining an access code using a mobile or card reader. The user is then automatically given a special sealed envelope containing the access password. It is worth knowing that it will be valid for another 60 days.

Another option for creating a profile is to connect the official functionality through an installed terminal. To complete it, it is important to insert the plastic into the terminal and enter the official PIN code. Then in the device menu you need to select successive tabs with names such as “Internet banking-R-Connect and SMS notifications”. The device will automatically notify the person to designate a mobile phone to receive a one-time password. After receiving it, it will be valid exactly one day. As for the login login, it is usually printed on the receipt issued by the terminal.

Login to your Raiffeisenbank personal account

If it is important to instantly log into your Raiffeisen Bank R-Connect personal account, you will need to enter the address connect.raiffeisen.ru in the search engine. An alternative option is to activate the inscription with banking. During the initial transition, the user will be required to enter the login and code specified when creating the account, as well as the official activation code received.

After such information, a captcha must be entered to ensure the highest level of additional security. After logging in, it is worth changing the temporary access data to more reliable ones that you created yourself.

To replace them, you should go to the settings menu, which is located in the user’s personal account. Immediately after changing the information, the access code will remain valid for another six months. You should be prepared for the fact that in about six months the system will ask for a complete replacement.

Registration to gain access to your Personal Account

Before registering in such a preferential scheme, it is worth receiving a special identification card. You can get it through a nearby bank office. You must have a special official tax payer code.
There are quite a lot of options for organizing access. Here are some of the most basic ways to log into your Raiffeisen personal account:

The company strives in every possible way to meet its many admirers. Much is being done to simplify the operation of the system of the official website of Raiffeisenbankaval.

If a user accidentally loses access, he must act through a special form. You just need to fill out the required fields, and then confirm the person as the owner of the account. If you wish, you can call call support, whose employees will tell you how and by what methods the process of obtaining optimal access is carried out.

Authorization in the system

This process in the account is carried out according to the usual scheme. The following sequence of actions is performed:

1. The code and login are entered into the fields of the authorization form. The second one uses a special code of eight characters, and the password is a secret code;
2. The button responsible for entering is pressed.

If a person enters incorrect login information three times in a row, the system will ask you to enter a special additional security code, that is, a captcha to log into Raiffeisen Elbrus.

It is worth noting that, unlike the rules that apply to entering a PIN code, the total number of options for entering a code and login is not limited in any way. If, after several attempts, the company’s client still cannot gain access, you will need to follow the code recovery scheme by clicking the Forgot code section.

Opportunities for a bank client in your Personal Account

Thanks to optimal access to the section, clients can effectively work with numerous cards without leaving the office. Among other equally important features, the following can be highlighted:

• It is allowed to find out the current balance on the organization’s card. It is enough to simply study the history of the transfers made;
• Making payments for utility bills. You are allowed to top up your mobile balance and pay for TV and home Internet;
• In a special form, you are allowed to transfer funds between your accounts, and you are allowed to make transfers to other users;
• When banking your own account, you can change the currency at a rate favorable to the person. Sometimes it is much more profitable than what is provided at the organization’s office;
• The personal section provides the opportunity to repay the loan ahead of schedule and, if necessary, make payments on the account.

These are not all the optimal opportunities that are available to bank cardholders in plain English and Russian. If necessary, the client can give access to his section to his loved ones who are holders of the product. To complete the registration, you simply need to fill out a special permit by first visiting the organization’s office.

Mobile application for Raiffeisen Bank clients

The company offers its numerous consumers a specially functional application of the R-Connect category and a Raiffeisen Connect personal account. It is optimally suited for all equipment running on iOS and Android OS. A well-thought-out application opens up to users all the functions that can be obtained in their registered profile. You can download the program completely free of charge. Paying nothing significantly simplifies overall communication with banking. It is possible to use programs in absolutely any place where there is a network.

The application has the most sophisticated interface available after registration. It is understandable to all clients literally on an intuitive level. Banking is comfortable and modern; numerous transactions of individuals and legal entities can be carried out with just a few clicks. The presence of the most well-thought-out menu and proper distribution of sections into groups significantly speeds up the search and processing of required information.

Raiffeisen personal account - all at once

Owners of a financial card will immediately and automatically have access to the personal section of the official portal. Among the main sections presented to your attention are the following:

1. Payment for services. Here you can register and pay for various accrued utilities, cellular communications, for example.
2. Carrying out internal transfers and conversions. This section allows you to credit funds to the accounts of a legal entity in other banks, and if necessary, you can make a conversion.
3. Extracts. On the pages of this section, you can compile and order map reports for a predetermined time period. This report can not only be electronic, it can be printed.
4. Obtaining information on previously issued loans. This is the best opportunity to find out the amount, the amount of credit to Raiffeisen, and the repayment date.

On the main page, the company’s client can get acquainted with the latest offers and promotions for vsesrazu that are relevant at the moment. You are allowed to use the bank settings to make the page as convenient as possible.

Summing up

The created and activated personal account of connect raiffeisen ru provides its clients with convenience, speed and reliability. You can use the proposed functionality for free and completely safely online. You are allowed to manage your finances on Bank Elbrus using your phone number with optimal convenience, using any device at hand. This can be a PC for individuals, a tablet, mobile and Internet.

• Official site:
• Personal Area: https://sso.rbo.raiffeisen.ru/signin