Ten Rules of Security
1. Protect the file with your personal certificate
The Personal certificate replaces your handwritten signature and thus represents the “access key” to your accounts
and finances. Therefore, protect the file with your personal certificate against misuse by unauthorised parties.
We recommend that you save the file on a portable data storage medium (e.g. a USB drive, diskette or CD-ROM)
and keep this medium in a safe place.
In order to increase the storage security of your personal certificate, we offer use of a MůjKlíč smart card.
2. Use a secure PIN
A simple PIN can be cracked and misused more easily. Therefore, do not use numbers which relate to your
family members’ dates of birth or their telephone numbers etc. Choose a different PIN for your
Můjklíč smart card than your other PINs.
3. Protect your PIN
Do not write your PIN on notepads, diaries, into telephones or on the smart card etc. Stick to the
principle of not revealing your PIN to anybody, even members of your family!
TIP: We recommend that you change your PIN at regular intervals.
4. Set sending of messages and monitor your login history
We recommend that you set sending of notifications (SMS or e-mail), which inform you of all payments performed
from your account or payment card. Settings can easily be managed via MojeBanka Internet banking and Expresní
linka Plus in the Setting notifications menu. Authorisation SMS contain information about transactions. Always
check this information when performing an authorisation. We also recommend that you monitor the summary of your
login history, which is offered by the MojeBanka and Expresní linka Plus applications.
5. Update your operating system, browser and all software on a regular basis
Regularly install update files, which repair errors and the vulnerability of your software as well as decreasing
security risks. Only use legally acquired software, the producer of which guarantees support in the form of regular
A description of the basic steps for securing the most widespread operating system, Windows, can be found at
6. Use your own computer
We recommend that you only use your home or company computer for use of direct banking services. Do not let
strangers work with your computer. Always secure your computer when you are not working with it. When you are
away from your computer for a short period of time, lock it using the Win + L keyboard shortcut and switch the
computer off if you are away from it for a long time. Work on your computer in an account for a non-privileged
user (user). Work with higher authorisation (Administrator, root) allowing for installation of software is a security risk.
TIP: You can check whether your account has/does not have administration rights in Start/Settings/Control panel/User accounts.
We do not recommend use of a computer which you know nothing about for use of direct banking services (e.g. a computer in an Internet cafe).
7. Use software, which protects your computer such as anti-virus and anti-spyware programmes and personal firewalls
Always have anti-virus software installed on your computer to improve protection against malicious software (viruses,
worms and Trojan horses). It is also advisable to use anti-spyware software to increase protection of your privacy.
Keep all of your software up to date, including virus and spyware definitions.
TIP: Some software producers offer anti-virus programmes for home use free of charge.
So-called personal firewalls are used to minimise the risk of unauthorised access to your computer when connected
to the Internet. This concerns software or separate equipment, which is able to distinguish between authorised and
unauthorised requests for data exchange between your computer and the Internet.
TIP: Some operating systems such as Windows XP and Linux contain an integrated firewall. It is however possible
to also make use of the wide offer of other producers, some of which offer firewalls for home use free of charge.
8. Do not visit unknown websites and do not download unknown files from the Internet
Only visit known and trusted websites on the Internet. Websites which the creators do not
devote the appropriate level of care to, are the most frequent source of infection for your computer. Also
avoid downloading and launching files with unknown content, which could perform activities, which they are
not authorised to perform together with the declared purpose (Trojan horses or spy-ware).
TIP: It is especially websites with erotic content and websites distributing illegal software that often contain
dangerous programmes, which could infect your computer and subsequently perform activities, which are out of your control.
Check the line for entering the Internet address on the login page. Always make sure that this really is
the website, which you want to display. Before actually logging in, click on the padlock icon in the bottom right corner
of the browser or next to the line for entering the Internet address (according to the type of browser) and check that
the certificate used to secure the connection was issued for www.mojebanka.cz.
TIP: Any change whatsoever to the appearance of the login page on the www.mojebanka.cz portal is communicated to
customers in advance. If you come across suspicious behaviour or an unusual appearance, please do not hesitate to
contact KB client support on 0800 118 100 (from abroad +420 955 551 552).
9. Only open e-mails from trusted sources
Do not open e-mails from senders who you do not know or messages with suspicious names containing garbled words,
unusual phrases and grammatical errors. Do not work with attachments to such e-mails and preferably delete them.
Do not communicate personal data, passwords or PIN codes by e-mail. Komerční banka, a. s. never requests this information.
Komerční banka, a. s. never sends spam with web links. If you receive spam containing web links to the Komerční
banka website, do not respond to the e-mail and do not click on the link. Contact KB client support
on 0800 118 100 (from abroad +420 955 551 552) and provide us with further
information about the suspicious e-mail so that we can take the appropriate steps.
10. Contact us in case of any doubt
If you have any doubts or suspicions when logging in or while working with your bank account via Internet banking,
please immediately contact KB client support free of charge on 0800 118 100
(from abroad +420 955 551 552).