K&H mobile wallet

pay with your mobile phone easily and smoothly, with just a touch

  • your mobile is always on hand, while your bank card may be left at home
  • what you need: an NFC-enabled phone, at least Android 4.4, and a K&H Maestro or K&H Mastercard card
  • you do not need to download an app for this as it has been incorporated into K&H mobilbank
download the application

are you ready? it only takes 4 simple steps are you ready? it only takes 4 simple steps

1. download K&H mobilbank to your NFC-enabled Android phone
2. select the mobile wallet function and activate (digitise) the bank card you want to use for payments
3. at the next payment “wake up” your phone (you don’t have to unlock the screen), then
4. hold it to the POS terminal at the checkout and, if the amount is below 5,000 forints, you are done

frequently asked questions and answers frequently asked questions and answers

what are the technical conditions of using the mobile payment function?

The Card Holder 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 version 4.4 of the Android operating system on their mobile phone
  • have an NFC (Near Field Communication) enabled mobile phone

do mobile payments also work on mobile phones with an IOS operating system (e.g. iPhone)?

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

what services are available in the mobile wallet?

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

 

where can I download the K&H mobilbank application?

Our mobilbank application can be downloaded from Google Play.

do mobile payments also work on mobile phones with an IOS operating system (e.g. iPhone)?

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

who is authorised to digitise bank cards?

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.

can co-cards be digitised?

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

what types of card can be selected for digitisation in the mobile wallet?

Any and all Maestro or MasterCard retail and business debit and credit cards can be digitised, irrespective of whether they are touch cards and what account they are linked to. Only activated plastic cards can be digitised. Card types that can be digitised:
  • 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

what do I need to do if my cards are not shown in the list of digitisable cards even after I have reactivated the application or deleted the cards?

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

I was unable to digitise my cards – what could be the reason?

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.

why can’t I see all the bank cards in the list of digitisable cards that are shown in mobilbank?

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.

how much does card digitisation cost?

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

do I need to activate my digital bank card and if yes, how?

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

what services are available in the mobile wallet?

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

 

what does mobile payment mean?

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)

 

can I use my digital card for online payments?

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

 

what is a default bank card?

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.

 

how can I change my default card?

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.

 

where can I switch off quick payment if I would like to use my PIN for all transactions executed with my mobile phone?

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

 

what is the wallet PIN for?

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.

 

how can I change my wallet PIN?

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

 

how do I pay with a digital bank card?

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 5,000 HUF, then you need not enter your wallet PIN

2/b. If the value of the transaction reaches or exceeds 5,000 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.

what should I do if while making a quick payment I receive a notification in a push message instructing me to enter my PIN and the window does not pop up by itself?

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).

what should I do if my phone is not responding to the POS terminal and I cannot pay?

  • 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

 

what should I do if I have no offline payments left, my phone displays an error message and the transaction has failed?

  • 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)

 

documents

general contracting terms and conditions for banking services requiring electronic identification
The present information does not qualify as an offer, it is intended merely to attract attention. For a detailed description and conditions of the product, service, please consult the client contract, the General Contracting Terms and Conditions for Banking Services requiring Electronic Identification, K&H Bank’s Terms and Conditions and the current announcement on the bank accounts, deposit account term deposits and cash transactions of private individual customers and regarding to the promotion the Participation terms and conditions. The Bank reserves the right to modify conditions and withdraw the promotion. For full use of the K&H mobilbank K&H e-bank users may become eligible. Google Play are trademarks of Google Inc.