K&H mobile wallet

The Card Holder (of Mastercard or Maestro card issued by K&H Bank) must

• have the K&H mobilbank application downloaded in their own right (because mobile payments are made using the mobile wallet, which is a part of K&H mobilbank)
• have at least Android 5 operating system on their mobile phone
• have an NFC (Near Field Communication) enabled mobile phone

No, mobile payments are only available using mobile phones running the Android operating system.

At the moment only mobile payments are available in the mobile wallet.

Functions related to mobile payment and available only with an internet connection:

• digitisation of plastic bank cards
• changing security settings (e.g. to authorise/cancel quick payments, to change wallet PIN code)

Functions related to mobile payment and also available without an internet connection:

• payments with a digital bank card on plastic POS terminals using a mobile phone
• transaction history: list transactions initiated using the mobile phone in question
• selecting a default bank card (setting for quick payments)
• cancelling digital bank cards
• add offline payments

Our mobilbank application can be downloaded from Google Play.

No, mobile payments are only available using mobile phones running the Android operating system.

The Card Holder is authorised to digitise active retail and/or business bank cards. Their digitisation is not subject to the Account Holder’s consent.

Only Co-Card Holders themselves are authorised to digitise their live retail and/or business bank cards, Account Holders are not.

• K&H MasterCard contactless debit card
• K&H MasterCard me card
• K&H Maestro contactless debit card
• K&H Maestro me card
• K&H trambulin Maestro debit bank card
• K&H MasterCard contactless credit card
• K&H World MasterCard credit card and contactless credit card
• K&H Maestro business debit card
• K&H MasterCard business debit card
• K&H MasterCard business credit card

We recommend that you wait at least 5 minutes and then try again.

Digitisation may fail on weak or hotspot wifi networks. In such cases it is advisable to switch to data link and wait until you can access a stronger wifi.

The mobile wallet only shows bank cards issued in the name of the Card Holder. Any other cards linked to the account but not issued in the name of the Card Holder in question will only be shown in the mobile wallet used by the actual Card Holder.

Digitisation and any and all actions executable with digital bank cards are free of charge.

Digital bank cards do not need to be activated as such, but only plastic bank cards that have already been activated can be digitised.

At the moment only mobile payments are available in the mobile wallet.

Functions related to mobile payment and available only with an internet connection:

• digitisation of plastic bank cards
• changing security settings (e.g. to authorise/cancel quick payments, to change wallet PIN code)

Functions related to mobile payment and also available without an internet connection:

• payments with a digital bank card on plastic POS terminals using a mobile phone
• transaction history: list transactions initiated using the mobile phone in question
• selecting a default bank card (setting for quick payments)
• cancelling digital bank cards
• add offline payments

In mobile payments the Card Holder initiates a bank card transaction on a POS terminal using a digital bank card.

Mobile payments can be made in two ways:

• by launching the K&H mobilbank application (so-called pre-authorised mobile payment)
• without launching the K&H mobilbank application (so-called quick mobile payment)

Digital cards can only be used for payments on physical POS terminals.

A default bank card is the bank card selected for quick payments by the Card Holder from the cards in their mobile wallet. By default it is the first bank card digitised by the Card Holder, which they can subsequently change at any time in their mobile wallet.

To change your default card used for quick payments, tap the three-dot menu next to the image of the bank card in question or use the “quick payment settings” option in the card details screen to choose another default card.

Go to the security settings of your mobile wallet to switch off the quick payment function.

The wallet PIN is a numeric-only identification code required to access your K&H mobile wallet and to approve mobile payments, which you as the Card Holder using the K&H mobile wallet in question create when you first digitise a bank card. The wallet PIN is a set of a minimum of 4 and maximum of 8 numeric digits of your choice. You can change your wallet PIN, which is the same for all the digital bank cards linked to the mobile device in question, at any time. You can have a different wallet PIN code for each mobile device.

You can change your wallet PIN code in the security settings menu of your mobile wallet.

A.) In the case of pre-authorised mobile payments:
1. Unlock your mobile device and enter your mobile wallet.
2. Tap the contactless symbol next to the image of the bank card you would like to pay with.
3. Enter your mobile wallet PIN and tap the payment button with the contactless symbol, then hold your mobile device to the POS terminal within 60 seconds to approve the payment transaction. 
4. If communication between your digital bank card and the POS terminal is successful, a green tick mark will be displayed on the screen.
5. Finally the POS terminal prints a receipt.

B.) In the case of quick mobile payments:
1. Unlock your mobile device, then hold it to the POS terminal; in this case the mobile wallet application is woken up by the payment transaction initiated on the POS terminal.
2. To approve the payment transaction:
2/a. If the value of the transaction is below 15,000 HUF, then you need not enter your wallet PIN

2/b. If the value of the transaction reaches or exceeds 15,000 HUF then you must enter your valid mobile wallet PIN, tap the contactless symbol next to the payment button, then hold your mobile device to the POS terminal once again within 60 seconds. 
3. If communication between your digital bank card and the POS terminal is successful, a green tick mark will be displayed on the screen.
4. Finally the POS terminal prints a receipt.

You may in some cases have to enter your card PIN instead of your wallet PIN for a payment transaction.

This may happen if you have an Android operating system of 6 or above, which does not permit the K&H mobilbank application to pop up and thus conceals certain screens. Go to settings, find special application settings and permit mobilbank to conceal other applications / draw over them (the term for this setting varies by phone type).

• check if NFC is enabled on your phone; if not, then the terminal is unable to establish contact with it
• check if there are any cards digitised on your mobile phone
• if the settings are in order, then try to hold your phone to the terminal in a different way. The location of the NFC chip varies by phone; you always need to hold the back of your phone to the terminal but it could be the top, the middle or the bottom depending on your phone

• check if you are online
• log into mobilbank and tap the “add offline payments” button (tap the three-dot icon next to the image of the card in question to display this option)