The new KomBank WEB2.0 e-banking solution for retail customers enables many new functionalities, from the choice of a mode the customer wishes to use (basic, expert and advanced) and a corresponding set of functionalities to the tailored home page layout and the size and position of windows on the application’s desktop.


Some of the many advantages of KomBank WEB2.0 solution include an option to choose the layout of the application (basic, expert and advanced) select a preferred set of functionalities, tailor the desktop layout to one’s own taste, use OTP code and mToken to make an additional verification of payment.

All the benefits and advantages of the new KomBank WEB2.0 solution can be seen here. (DEMO) (username: demo, password: demo)

KomBank WEB2.0 service is the fastest and easiest method of payment that allows retail customers to use electronic banking, over the Internet, 24h a day, 7 days a week, with no commission charged.

Advantages of the new solution

  • Commission-free transactions
  • Customers may choose their own desktop layout (basic, expert and advanced)
  • Customers may choose a set of functionalities they would like to use
  • Fully adjustable view and page layout of your application
  • Cost monitoring and analysis, setting spending targets…
  • Management of all accounts, activation and redistribution of mBank service
  • Creating templates and using them through mBank service
  • No limitation in terms of space and time
  • Speed, quality and security of use (the service allows you to use several types of certificates for authentication and confirmation of payment transaction)
  • Ease of use

Technical requirements

  • PC
  • Internet connection (Dial-up, LAN, ADSL, GPRS...)
  • Web browser (minimum Internet Explorer 8, Mozilla Firefox, Chrome, Safari), under Windows, Mac OS operating systems


  • Checking balance, account transactions, payment card and loan transactions
  • Simple and easy transfer from one dinar account to another, settling credit card liabilities, loan liabilities and liabilities arising from the use of special-purpose accounts for trading in securities
  • Various payment options (depending on the authentication method - user name and password or various certificates; method of payment confirmation - SMS OTP – obtaining a one-time-only code in a free SMS or obtaining an mToken – token on a mobile phone....)
  • Managing all accounts using WEB2.0 solution, activation, redistribution of mBank service
  • Exchange transactions from an FX account to a dinar account and vice-versa which an owner and/or authorized person has in Komercijalna banka

Manny additional services...

  • Real time mobile telephone top-up
  • Monitoring cost by reallocating spending into different categories
  • Setting targets and monitoring their achievement
  • Real time Internet top-up
  • FX savings
  • RSD savings
  • Overview of aggregate savings by currency
  • List of uncollected checks
  • Credit calculator
  • Exchange rate quotation table
  • Currency converter
  • Information on interest rates
  • Overview of special-purpose securities account
  • Print-out of payment certificate

Authentication / Verification of a payment order

Users of KomBank WEB2.0 service for retail customers may use various authentication methods which, in accordance with the security policy, grant the user various payment privileges. Users can log into the application using one of the following authentication methods:

- Using a username and a password

Users who are logged into the application in this manner may only pay into the accounts from the List of predefined accounts or into the accounts which the user has registered by filing in the Request for registration of new beneficiaries (if the user has an administered SMS option or mToken one-time-only code, an additional verification of the payment order using this code allows for payments to be made to any beneficiary – see the rest of the text for a more detailed explanation).

- KOBB CA certificate - USB memory stick

A certificate on a USB memory stick that is used for authentication is issued by a certification body of  KOBB CA (Users who log into the application using this method are allowed to make payments to any account.)

- Verification using an SMS one-time-only code and/or mToken application

Users who access the service with their user name and a password can make an additional verification of their payment order by using a one-time-only code obtained in a free SMS or by using an mToken (In this manner payments can be made without limitations. Payments that have been additionally verified in this manner allow the user to register the beneficiary and will enable payments to them with no additional verification – this beneficiary’s account is added to the list of predefined accounts)
All details about the appearance of the application and the set of available functionalities can be seen by clicking on DEMO KomBank WEB2.0 (username: demo, password: demo)