[Translate to Englisch:] Grundlegende Designänderungen abgeschlossen[more]
How can i open an Account at your Service?
Before you open an Account itself you need to become a Customer of the RBH Bank! To do so simply click on „Onlinebanking“ followed by „Registration“ at the left Menu. Fill out the necessary Fields with Care! After you finished your Registration you will get an Email including your Customer ID and a Login-PIN. For security Reasons you should change your Login-PIN immediately after your first Login (Personal Details – Security – Passwords and PIN)
In your Customers Area you are now able to add new Accounts.
Do i need to be verified and how to do this?
As an official financial Institute we need to follow several international Rules. This also means that the RBH Bank needs to know its Customers. („KYC“)
Every Customer needs to send us explicit Identification-Documents.
You are able to do so by visiting your internal Customer Account and upload your Documents.
You need to scan a Government ID (ID, Passport) which will not expire in the next 6 Months and an actual Bill (Phone, Energy) or an updated Proof of Resistance of the City you live in.
Please send both, Front and Backside in several JPG Files which should not be larger as 100KB. If you have any Problems with scanning your Documents feel free to contact our experienced Customer Support via the Ticket System or send us the files attached to an email!
Are my personal Details secure?
The RBH Bank is offering the most possible Security for your personal Details. All Informations will be saved differenced from your Account Details on different Servers. Those Details are encrypted and will be stored on encrypted Partitions too! Our Server-Infrastructure is developed in such a Way that no third Party who will login is able to combine Account Details and your personal Details!
If there is a Crash in one Datacenter we also hold redundant Systems to make sure you will always be able to reach your Account to manage your financial Transactions!
Why is the Login Procedure such complicated?
RBH is using a More-Step Login System to avoid that your Account will be watched from third Party People using automatic Login Scripts!
Whats the Welcome Message?
While your Login but before you need to enter your Password you will get your personal Welcome Message displayed. If this Message is NOT the one you entered you are on a Phishing Page!
If so stop further Transactions immediately, do not enter your Password and please contact the Support Staff via the Ticket System.
If you already entered your Details please use the Emergency Lock you find here: Block Account
What is important regarding Mails i get from the RBH Bank?
The RBH Bank Administration or its Staff will ever contact you to ask for Passwords, PINS or private Keys for the Secure Tan System! Also we will not send any Mails which contain Links to Websites! If you received such an Email please forward it to firstname.lastname@example.org and we will warn all Customers which use our Service!
Whats up with the „Secret Question“ ?
If for any Reason you need to edit your personal Details its necessary that you can identify yourself while contacting our Support Staff!
Next to other Details they will also ask for the Answer of your Secret Question.
If you are not able to give us this Answer no Details will be changed and an Information-Mail will be sent to the registered Email-Adress!
What are „One-Time-Passwords“?
At your internal Backoffice you are able to enter 3 One-Time-Passwords to login to your Customers Area from a not secured Place (in Example while your Visit in an Internet-Cafe)
After using it the determined Password will be deleted and can not be used further.
Whats the „Restricted Access“?
You are able to define Passwords which will lead to a restricted Access Area at your Onlinebanking Account. What does this mean? Look here:
Stage 1: View of Account Balances only
Stage 2: View of Account Balances and Statements
Stage 3: Full Access
Whats the Super-PIN?
If you add a new Account in your Customer Area you will be displayed an 11 Signs long Suprt-PIN only one Time! You need to know this Code to do Transactions from the determined Account.
All Changes in personal Details for this Account are just able to be changed if you know and enter this Super-PIN! Make sure you store this PIN on a safe Place because this is one of the Keys to your Account!
TAN via e-Mail/SMS
To set the Rank of your own Security at a high Level you are able to define if you want to get a TAN (TransActionNumber) sent to your Email Adress or via SMS to a Cell-Phone (SMS is not implemented yet)! You can manage this Option for every Account you hold separately. Deactivating this is just able via our Support Staff!
What is the RBH Secure-TAN System?
With our worldwide unique Secure-TAN System we developed a new Level of Online-Banking-Security! A detailed Tutorial can be found here: RBH Secure-TAN Documentation
Why is there a Code next to the Logout Button?
The System will log you out automatically after 30 Minutes of no Activity. If there is Activity this Countdown will be restarted.
The System is closing my Session from Time to Time. Why?
For more Security our OnlineBanking is working with several unique Keys which will be changed after every Choice you make in the Menu Structure!
If you are logged in you are not allowed to use navigational Buttons in your Browser.
A Click on Refresh, Forward or Back will close your actual Session.
Also if a Site is not loaded completely and you clicked on another Link at the Menu your Session will be closed. Please wait while the Site you would like to view is fully loaded!
Whats the Currency i can hold my Account in?
While you open an Account you can choose between Dollar and Euro.
How can i get Cash Money?
Depending at the Type of your Account you are able to withdraw your Money via Mastercard or ATM-Card on at every Cash Terminal which are connected to the Mastercard System.
For sure this just works if the Balance at your Accounts is in a positive Value!
What are Limits by using Cards?
You can define daily, weekly and monthly Limits for yourself in our System. Also you are able to activate and deactivate Main and Partner's Card at any Time!
If you want your Card to get blocked simply use the Emergency Phone Number which you find here: Will be forwarded as soon as available!
What to do if i forgot Details?
Please use the Ticket System to contact our Support Staff!
What to do if Details changed which i can not change in my Backoffice for myself?
Please use the Ticket System to contact our Support Staff!
How can I purchase shares?
To do so, simply click here to be forwarded to our share-management-system.
If you are still not registered with our site you can do so by clicking on „Registration“ in the upper menu.
What’s the price of one share?
The cost of 1 share is € 25.00 or US$ 35.00.
What’s the amount of shares in whole?
In the first financial calculation period 9,800 shares were purchased. Because every relative investor from the start got a bonus share with every share they hold at April the 15th 2009 we now have 19,600 signed shares. In our second calculation period we offered 18,000 shares additionally to cover the rest of the costs.
How much will be the interest?
As soon as the bank has reached the default working level and reached the calculated values we will reach the calculation were 8.25% are paid out to all shareholders. This means a return of investment of € 4.38 a share p.m. will get.
What are targets which need to be reached to cover those interest values?
This calculation depends on 15,000 active accounts, 5,000 active cards and 1,500 exchanging transactions a month. After the bank started its normal business we plan to reach this target in 3 years. If the existing rate of sign ups continues we will have 5,500 accounts and 1,800 credit cards when we start.
What are rules regarding taxes of those interest payments?
Payments of interests are done by a financial company directly to your RBH account. This company does not pay any covered taxes so all shareholders are responsible to pay those themselves. If you have any questions regarding taxes please contact the tax advisor you trust.
What else advantages offers a participation?
As a shareholder you do not have any monthly fees to hold your accounts and you pay lower fees if you are using a credit card or do transactions.
My Question was not answered in this FAQ – Where to get the Answer?
For any additional Question which are not answered just contact our experienced Support Staff which will be glad to help you!