Re: [Czechlist] Bonitni klient THANKS
- Hi Martin and Jirka (and maybe others, I just got back to 288 unread
> market has still a long to go before we get these things free as in theI have a bank account in the UK (Bank of Scottland) where I managed to
> 'civilized' countries....
obtain on-line access (for checking the balance only!!!) after much
trouble - it's free, true, but the whole thing is very primitive - just a
password and login name they send you the way you receive credit card
PIN's - and you have to get a new one every time you re-install your system,
or want to log-in from another machine... and the interface is not very
user-friendly - maybe they intended it babicka-friendly...
My wife has an account in the US - I was stupid to close mine when I was
leaving there - (Chevy Chase Bank) and we also managed to get online
access - I think she can also send money from there, but it would be too
expensive anyway... again, it's free, but anyone can get in if they catch
her getting in from an unprotected machine - login name and password, then
the credit card number !!! - so if someone hacks your account, they also
have your credit-card number...
Meanwhile back home, I've been a happy user of eBanka (formerly Expandia)
for about five years now, with two accounts and about to open another one...
the cost differs with what you want and how much of it you want, and also
with the time you opened your account (they changed the charges a few times
and the original ones always seem to be better, but gone for new clients
...)... for one account, I pay something like 160 Kc a month, for the other
I don't pay anything as long as I keep an average balance of over CZK 30k
there... the security (as far as I can tell with the little I know about IT
security) is far better - you generate an extra code from a calculator-like
device (or a phone, or on-line) using your PIN every time you do
something... it's sometimes annoying to have to play with the calculator
thing for a while before your order/request is processed, but it's worth
It may seem costly, but comapred to tother banks' "online banking" I've seen
and heard of, it's money well spend... both my accounts are "osobni ucet",
for "podnikatelsky", the charge is about 20 Kc/mo more, plus you can
download all your statements in a file format that can be imported into most
accounting programs!!, I don't think anyone else offers that many functions,
you can do just about anything online or with GSM banking, two accounts in
foreign currencies with the same features for the same charge... etc. etc...
I should start charging them promo fees :)
I tried to get a similar feature for a couple of accounts I keep in CSOB and
it's ridiculous in comparison...
Enjoy your on-line banking!