Halyk banking for individuals. My Halyk - Internet banking of Halyk Bank for individuals
Confirmation of transactions in the myHalyk system is carried out:
Using unique identifiers user - login and password;
- a one-time password, which is provided to the Client in the form of SMS-messages through mobile operators within the framework of the "Delivery of SMS-passwords" service;
- a one-time password generated by the Token device.
To receive one-time SMS passwords it is necessary to activate the free service "Delivery of SMS-passwords".
Token- standalone generator of one-time confirmation codes. When you press the button on the front side of the Token, a six-digit digital password is generated, which is displayed on the device screen.
To receive a Token an electronic application is required. Submission of an application is carried out in the myHalyk system in the "Applications" section.
The applications sent by the Clients are considered within 5 (five) business days, and in accordance with the decision, the Bank notifies by e-mail about the inexpediency of issuing the device, or sends the Token by registered mail.
Token delivery is carried out by mail, therefore, when filling out an electronic application, you must indicate the current mailing address, read and accept the delivery terms.
One of the main conditions for issuing a Token device is:
The need for regular over-limit transactions on transfers to third parties (more than $ 2,500 per day, more than $ 10,000 per month);
- the need to often travel outside the country.
The existence of other reasons for receiving the Token is considered individually for each Client.
Devices are transferred to Clients without deducting a commission for connecting an additional authentication method.
Before using the Token it is necessary to synchronize the device with the login.
To do this, follow these steps:
1. on the "Internet banking" login page, select the "Security Settings" mode and specify in the window that opens the identification data (login and password) used to log into the system;
2. on the next page, select the "Bind Token" menu, specify the serial number of the device, which is printed on the body of the device;
3. in the appropriate fields enter two consecutive one-time passwords generated by the Token;
4. Confirm the data with a one-time password sent in the form of an SMS message within the framework of the "Delivery of SMS Passwords" service;
5. As a result of successful activation of the device, a corresponding notification will appear on the screen and a menu for entering the Internet banking system will be displayed.
The Token is connected once. Token validity period is 10 thousand button clicks to generate a one-time code.
In case of loss / inoperability of the Token device, it is necessary to independently disable the Token in the Internet banking system.
In order to protect information in the "Internet banking" system, the following access levels are used:
1. For users who have passed identification using a PIN code when connecting their mobile phone number to the "Delivery of SMS - passwords" service:
Available services |
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First level Obtaining information on the availability and numbers of bank accounts; |
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Second level
Registration of applications:
Services: Card blocking / unblocking; Security Settings: Connecting / disconnecting and synchronizing the Token device; |
Confirmation of each operation with a one-time SMS-password |
Third level Payment in favor of mobile operators without limitation on the amount of payment in favor of Beeline, Kcell, Activ; |
Confirmation of each operation with a password generated by the Token device. |
Fourth level Transfers in favor of third parties with amounts up to the limits established by the Bank: Daily limit up to USD 750,000, |
Confirmation of each operation with a one-time SMS-password and additionally with a password generated by the Token device. |
It should be borne in mind that when transferring from a card, the following limits set by the IPS are applied:
Visa:
2,500 USD for one operation,
Maximum amount for the period:
- 5,000 USD per day (maximum 5 transactions);
- 10,000 USD per month or for 4 consecutive days (maximum 20 transactions).
MasterCard:
2,500 USD for one operation,
10,000 USD within a month.
These restrictions apply regardless of the limits set by the Bank.
2. For users who have not activated the "Delivery of SMS - passwords" service:
Available services |
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Information Services: Detailed information on cards and card accounts; Financial operations: Transfers within their accounts; Payment in favor of mobile operators (except for Beeline, Kcell, Activ) with amounts up to the limits set by the Bank: Registration of applications: To issue a debit card; Services: Card blocking; |
Login and password to enter the system |
1. What is the Internet-Banking system intended for?
The Internet Banking system is a modern banking service that allows individuals to manage their bank accounts around the clock via the Internet in real time (online) on a special bank website www.myhalyk.kz.
2. What are the benefits of using your system?
Using the Internet banking system provides significant advantages:
- make payments and transfers without the need to visit the bank at any time convenient for you;
- control from anywhere in the world the movement of money on all accounts opened in the People's Bank, as well as receive detailed statements;
- repay loans by transferring to a current account;
- block the card if necessary;
- manage restrictions on card transactions on the Internet, abroad and restrictions on cash withdrawals from an ATM - issue a virtual Visa card for secure online payments and others.
3. Who is the Internet Banking system designed for?
The "Internet-Banking" system is intended for all clients of the bank, both residents and non-residents. Free connection, detailed instructions, an extremely simplified interface, allows an absolutely untrained person to work with bank accounts. Millions of people around the world already manage their bank accounts over the Internet. The overwhelming majority of them are not financiers and have only small computer skills, which does not prevent them from benefiting from the Internet banking service.
4.How is the security and confidentiality of information ensured when conducting transactions via the Internet?
In order to ensure the security of information, "Internet banking" includes the following protection means:
- connection and work with the Internet banking system is carried out through the public Internet in a secure mode using the SSL (Secure Sockets Layer) protocol, which ensures the security of the communication channel between the web server and the user's browser and makes data exchange with the server completely inaccessible for unauthorized interception or distortion;
- confidential login with a username and password;
- use of a graphically displayed one-time confirmation code when logging into the system;
- blocking the user in case of several attempts to enter the wrong password;
- automatic logout if your computer remains inactive for a certain period of time.
5. What should I do to start working in the "Internet-Banking" system?
1. To connect to the Internet banking system, the Client needs:
1) have an active Bank card, if the payment card has just been received, it must be activated by performing any card transaction at an ATM with the introduction of a PIN code, for example, request a balance;
2) connect to the "Delivery of SMS-passwords" system
3) have access to the Internet.
2. Registration and provision of Internet banking services to Clients is carried out:
- remotely via a secure Internet channel on the Bank's website https://www.myhalyk.kz;
- by means of an ATM.
As a result of the registration, you must remember your own login parameters (username and password) and not disclose to anyone. In the future, you will be logged into the system by entering your username, password and confirmation code.
6. What are the requirements for a password when registering?
The password must be at least 8 characters long and combine letters, numbers and special characters ( [email protected]# $% & *) at the same time.
7. What is the exchange rate for currency conversion in Internet banking?
Non-cash conversion of currencies for transfers between bank accounts opened with the Bank is carried out at the rates of non-cash purchase / sale of currencies established at the time of the transaction in software Jar.
8. For what period can I request a current / card account statement free of charge?
The maximum period for generating statements for current and card accounts is one year. In addition, there is a limitation on the number of lines displayed on the screen, therefore, when generating a statement, you should indicate a period of no more than 3 months. A statement of deposits in the system can be obtained for the entire period of the account.
9. How to transfer money to repay a loan, issued in one of the branches of the bank?
To do this, you need to transfer the amount required for repayment to the current account from which the repayment is performed.
10. How to make sure that the transfer was successful?
If the transfer is successful, at the end of the transfer, the status of the operation is displayed on the screen, for example, “Transfer completed successfully”. It is also possible to check the success on the page "history of operations" in the log of operations. Operations that ended in error are highlighted in red and marked with a triangle with an exclamation mark. In addition, you can request a card or account statement and make sure that the transaction has been completed.
11. I often make purchases in online stores using a virtual card VISA Virtuon Narodny Bank. Can I replenish it from my account and how quickly will the money appear on the card?
You can make transfers from any of your accounts to any of your other accounts and cards opened in the People's Bank, including top-up payment card VISA Virtuon. It should be noted that the money transferred from the card will go to the VISA Virtuon card in real time, that is, in a few seconds after the transaction. And the time of the operation with the participation of current accounts and deposits opened in Halyk Bank is 5-15 minutes. Transactions carried out with the participation of accounts and deposits after 20:00 will be processed on the next business day.
12. What is a virtual card for?
Virtual Visa card is a special card designed for payments on the Internet. Used to minimize or eliminate the likelihood of unauthorized use of funds in your card account. For security reasons, you can replenish the virtual card for an amount not exceeding the amount of the intended purchase.
13. What is the difference between a virtual card and a VISA Virtuon card?
The peculiarity of this card is that it is issued without plastic on-line without the need to visit a branch of the Bank. The full number of the virtual card is displayed on the screen at the time of issue, and the expiration date and CVC code you will receive in an SMS message to your mobile phone.
14. How to restore details virtual card?
To restore the details of a virtual card in Internet banking, you must perform the following steps: Cards and accounts section - Select a card - Services tab - item Restore virtual card details - Select a phone number for sending details - Confirm the specified parameters with a one-time SMS-password. the digitized card number will be displayed on the Internet banking screen, and the expiration date and CVC code will be sent in an SMS message to the specified mobile phone.
15. Is it possible to conduct operations around the clock? (For example: if at the time of the transaction you are abroad and according to local business hours, but not in Kazakhstan, when will the money be credited to the account?)
It depends on what kind of operation the client wants to perform. Operations carried out in the Card system, that is, using a card, are available around the clock. But we recommend making transactions with the participation of bank accounts (current and savings) from 9.00 to 20.00 Almaty time. This is due to the fact that transactions carried out with the participation of accounts and deposits after 20:00 will be processed on the next business day.
The procedure and conditions for the provision of services of the system "Internet banking for individuals"Are stipulated in the Terms of Service of the Internet Banking for Individuals.
16. If the login has been blocked due to an incorrect password. What to do?
If you have forgotten your password and / or the system has blocked your account, then to change the old password, you yourself can do the following:
1) choose on home page Internet banking systems "Login with a password from an ATM check" (you can get a one-time password through an ATM), then in the form that opens, enter the "Username" and "Confirmation code" and log in with a one-time password from the list received at the ATM.
2) select "Password recovery" on the main page of the Internet banking system, enter "Card number" and "Confirmation code" in the form that opens and log in using a one-time password sent in an SMS message to a mobile phone. Then enter the new password and confirm it. Also, to resolve this issue, you can contact the Contact Center by the phone numbers posted on the Bank's website: - if you remember the password, then the Contact Center specialists will unlock your account when you contact, - if you don’t remember, then the Contact Center specialist will contact will delete you as a user of the system, which will allow you to register again.
17. How do I change my password?
You can change the password on the "Settings" page by selecting the "Change password" tab and filling in all the required fields.
18. What is the list of one-time passwords for and where can I get it?
One-time passwords from the list are used only for logging into the system, if you do not remember the password. The list with ten one-time passwords can be printed out at any ATM of Halyk Bank in the "Internet banking" menu. Passwords are valid for 30 days. It is not necessary to receive several lists at once, since there will always be only one list in effect - the last one. Each password from the list can only be used once.
19.How to generate a receipt confirming the payment?
You can generate and print a receipt with payment confirmation after the payment has been made, as well as in the journal of transactions on the page "History of transactions, statements". The received confirmation will contain the data that was displayed on the screen: the card number, the name of the supplier in whose favor the payment was made, the payment ID (phone number, personal account number, etc.), the date of the payment, the amount of payment and RRN - unique transaction number.
20.Can I set up automatic debiting in Internet banking Money for making recurring (regular) payments?
Create payment order you can immediately after the operation or from the journal of transactions carried out in the system by clicking on the tab of the same name "save as a payment order". In the next window, you need to select the frequency (once a month or once a week) and indicate the day or day. The entered data must be confirmed with a one-time SMS-password. As a result, a notification will appear on the screen about the successful creation of the order and that the payment will be automatically made by the system on the specified day.
21. How do I change or delete a recurring payment that I have created?
Information about saved templates and recurring payments is contained in the "Templates" tab on the "Payments and Transfers" page. To make a correction to an order, you need to click on the selected template / order, make changes and confirm the entry with a one-time SMS-password. In addition to deleting and making changes on the "payments and transfers" page, the order for regular payments can be activated / deactivated.
22. Where can I activate the SMS Password Delivery service?
To register and carry out transactions in Internet banking (payments, transfers, removal of restrictions, applications), a prerequisite is to connect to the free service "Delivery of SMS passwords."
Main menu - Internet banking - Delivery of SMS passwords - Connect phone - Enter phone number - Confirm.
23. What should I do if I forgot my login?
To see your username, please enter the "Password recovery" link. After entering the card number and one-time SMS-password, the system will display your Login on the page for entering a new password.
24.How to change the phone number connected to the "Delivery of SMS-passwords" service?
Reconnection of the free service "Delivery of SMS-passwords" in Internet banking is performed as follows:
a) connect the new number to the service: Applications section - Connect the phone to the "Delivery of SMS-passwords" service - Select a card - Specify a phone number - Confirm with a one-time SMS-password;
b) then disconnect the old number from the service: section Applications - Disconnect the phone from the service "Delivery of SMS passwords - Select a card - Select the phone number to be disconnected - Confirm with a one-time SMS password. If the old phone number is unavailable, disconnected or lost, then connect the new number is possible only at the Bank's ATM: Main menu - Internet banking - Delivery of SMS passwords - Connect a phone - Enter a phone number - Confirm.
25. What needs to be done to remove restrictions on the card?
A prerequisite for removing restrictions in Internet banking is connecting to the free service "Delivery of SMS-passwords". To remove restrictions: Cards and accounts section - Select a card - Restrictions tab - Select the required limiter - Click on the switch to change the limiter status - Confirm with a one-time SMS-password. If the switch is not active, then this limiter is enabled.
26. How long after opening a deposit will it be displayed in Internet banking?
New accounts opened in the branch will be displayed in Internet banking in 2-3 days. If no invoices appear after this time, you must submit a request to myHalyk support.
27. What needs to be done to deduct a preferential commission when making payments?
Commission of 5 tenge for servicing in the Bank's devices is provided only for pension cards. Contact the nearest branch of the Bank to issue a card. You can clarify the list of documents required for issuing a pension card in the Contact Center or any branch of the Bank.
28. What is reCAPTCHA for?
This functionality is used to confirm that the operation in the Internet banking system is performed by a person, not a robot.
29. What to do if a security image appears in the form of pictures when entering the Internet banking system, where the user is asked to guess the image?
Halyk Bank, Internet banking of the Halyk Bank of Kazakhstan is a platform for remote banking customer service. Bank address on the Internet - http://www.halykbank.kz
The service allows the client of Halyk Bank to independently manage accounts, make payments and transfers.
Halyk bank - internet banking, services:
Let's list some of the possibilities of Internet banking from the Halyk Bank of Kazakhstan:
- Management of the service “Delivery of SMS passwords.
- Creation and management of templates when performing the same type of payment transactions and transfers.
- Providing detailed information on accounts, cards, loans, deposits ...
- Access to the history of completed payments and transfers.
- Access to non-cash purchases and sales of foreign currencies.
- The ability to temporarily block the card and unblock it yourself.
- Access to account statements, cards, loans, deposits, loan repayments.
- Making payments from current accounts of a bank client.
- Control savings account through a checking account.
The Internet banking service from the Halyk Bank of Kazakhstan is constantly evolving and supplemented with new functions.
Internet banking - people's bank, registration:
To register with online cabinet Internet banking from the People's Bank of Kazakhstan, you need:
- To be a client of a bank, that is, to have an active bank card jar.
- Connect to the service "Delivery of SMS-passwords"
- To connect to the Internet banking system, you will need access to the Internet, as well as a computer, tablet or mobile phone.
The registration process in the Internet banking system does not differ from the registration process in other banks, we will tell about two possible options- via the Internet and through an ATM.
Internet banking - registration via the Internet
To do this, you need to go to the official website of the bank and in a special registration form - you need to indicate the card number. Then confirm the specified data using a verification code, one-time password. Next, you need to come up with and enter a login (username) and password (identification password). The last step will be to agree to the terms of the "Internet banking" system and confirm registration in banking.
Internet banking - registration through an ATM
To register in the system through an ATM, you need to insert your bank card into the bank's ATM. Then you need to find and select the "Internet banking" service, then "Registration in the Internet banking system". After these actions, the ATM will print a receipt with a temporary password and login. The password must be changed after entering the Internet banking, during its validity - 2 days.
The People's Bank of Kazakhstan has its own personal account for each type of person - individuals and legal entities.
Internet banking - Halyk bank for individuals
For individuals or individuals, Halyk Bank of Kazakhstan provides - Internet banking for individuals, the login form is located at https://www.myhalyk.kz.
To enter, you will need to enter "Username" and "Password", to recover your password you will need to click on the link "Recover password"
Halyk Bank is the National Bank of Kazakhstan, which ranks second in the country in terms of assets. For private and legal clients a large list of services and services of the bank is available at favorable rates.
For remote service for individuals, a special service myHalyk has been developed, which allows them to manage their accounts via the Internet.
NSPossibilities of Internet banking My Halyk
Internet banking allows you to remotely conduct the following operations:
- make transfers to all types of cards issued by both Halyk Bank and other financial institutions;
- make payments (housing and communal services, mobile communications, taxes, charity, tuition fees, insurance, ticket purchases);
- you can use the service not only on a computer, but also through a mobile device;
- receive account statements free of charge;
- conduct financial operations at reduced tariffs (in comparison with the tariffication for carrying out identical transactions in the conditions of a bank branch);
- establish and remove restrictions on cards;
- v mobile version myHalyk has an interactive map of ATMs and bank branches with geolocation;
- you can apply for the issuance and reissue of cards;
- you can view the history of payments and check the balance;
- you can change the password for entering the system;
- connect additional services, such as "Statement to the e-mail address", "SMS-informing", etc.
Internet banking connection for individuals
To connect to the Internet banking of Halyk People's Bank, you need to be the owner of an active card issued by the given financial institution... Service connection is possible in three ways:
Login to Internet banking My Halyk
To enter your personal account My Halyk, you need to go to the website myhalyk.kz or on the official website of the bank halykbank.kz in the upper right corner, click the "Internet banking" button and select MyHalyk for individuals. Further, in the appropriate lines you need to enter your login, password to enter the system and click the "Login" button.
Do you prefer to always know what the money was spent on, to have access to accounts and the ability to pay for services anywhere in the country? For clients, Halyk Bank offers to establish Internet banking. Remote card management and open accounts provided for individuals, it is enough to log in to the system on the official website or in the application installed on the phone.
If a person has a smartphone with Internet access in his hands, he can perform almost all manipulations with his accounts and cards. Internet banking makes it possible to use funds from a personal account anywhere in the world.
No one can spend or cash out money from the card without the owner's knowledge. For individuals, remote service of Halyk Bank is available, in which transfers and payments are made through a personal account using a secure connection.
How to register a personal account?
Connection to the online service is free of charge. A consumer of Halyk Bank who has an active card can register a new account on the official website https://myhalyk.kz/wb/.
Stages of creating a new account:
- on the start page, you must select the link "Internet banking"
- click on the button "for individuals";
- select the item "register by card number";
- enter the number of one of the cards into the form;
- get the code on the phone and enter it on the website;
- come up with a new personal login;
- specify a password and click "register".
Online registration is available only to those citizens who have already tied their card to a phone number and have connected "SMS notification (password delivery)". The binding is performed at one of the ATMs.
If desired, a citizen can order an IB connection at an info-kiosk or ATM. How to register at HalykBank using stationary systems?
Actions are performed step by step:
- a plastic card is inserted into the card collector;
- an item is selected that offers to register;
- the phone attached to the card is registered;
- an info-kiosk or ATM issues a paper check with a temporary password and login.
Login for individuals of Internet banking Halyk Bank
After registration, individuals are logged into the system according to the same scheme. By opening the Internet banking tab, the user:
- enters login;
- specifies a password;
- rewrites the numbers of the verification code.
Be careful if the data is entered incorrectly, the online card account is blocked, and you will have to restore access to the accounts when contacting the bank in person. You can restore the authorization code by specifying the card number. If several times incorrectly write the card number, the user's IP is blocked for some time.
To enter, the user can ask for help in the feedback by calling the bank employees by phone or skype.
Functionality
The online system provides almost unlimited possibilities. Since the LC can be accessed even from the phone, the client financial company can manage money almost around the clock, at any time of the day or night.
Informing the client
Thanks to remote service, the consumer can check the balance immediately after purchase and receive the most accurate information. Other types of information:
- all data on deposit, credit accounts opened with the bank, cards;
- detailing information on accounts: data on the balance, bonuses, possible interest, terms;
- statement on open deposits and loans, a schedule for calculating remuneration and payment of contributions;
- history of payments made, receipts of funds.
Optionally, you can create a payment template and set monthly account replenishment or payment execution. If the need for monthly procedures disappears, this item is simply removed.
Configuring security
Directly in your personal account of Halyk Bank of Kazakhstan, you can change the settings for remote services. Available:
- blocking and unblocking the card;
- synchronization of the Talking device, its connection / disconnection;
- changing the authorization password;
- removal of the cabinet.
If the user wants to refuse the service, he just needs to select an item in the menu and all registration data will be deleted.
Payments and transfers
Internet banking for individuals from Halyk Bank opens up unlimited possibilities for paying for services and goods. Online payments for services are accepted:
- telephone connection;
- utilities;
- insurance performance;
- fines, tax levies;
- financial operations.
Banking is used to pay for purchases in online stores in Kazakhstan and other countries. The user can also perform Money transfers between your accounts without paying any commissions. Money can be transferred not only to a personal card, but also to the accounts of other people who have a Halyk Bank card.
Other banking services
If the user has connected the Internet bank, he has access to advanced functions:
- replenishment;
- cash withdrawal;
- buying currency;
- filing an application for opening a credit line;
- applying for a new card;
- connecting a new card account to the account.
Personal Area Halyk Bank is a great opportunity to feel financially free anytime and anywhere.
Halyk bank internet banking
"Halyk Bank" is a systemic financial institution holding a leading position in the market banking services not only in the Republic of Kazakhstan, but also in the Central Asian region. The bank is constantly working on the introduction of innovative banking products, striving to expand and update the list of services offered.
One of the key positions in their list is occupied by Internet banking - remote banking service, carried out with the help of special programs through a secure connection with the World Wide Web. "" Also offers its clients a full-fledged service that allows them to monitor cash flow and account status in real time.
NB: This product is designed with all safety requirements in mind, so users can be sure of the safety of their funds and the correctness of their movements.
Internet banking for individuals
It is quite natural that "Halyk Bank" introduces Internet banking for individuals much more actively than it happens with enterprises - both private and related to public sector... This is due to the peculiarities accounting, which are obliged to lead the latter.
Individuals do not need to maintain accounting, prescribed by law, therefore, Internet banking of Halyk Bank opens up many opportunities for them. The user has access to a wide range of banking services, primarily all kinds of mandatory payments:
- utilities and telephone services;
- taxes and fees;
- insurance;
- fines;
- other expense transactions in this direction.
In addition, Internet banking "a" allows you to:
- make purchases in online stores both in the Republic of Kazakhstan and abroad;
- transfer funds between your accounts and to the accounts of other clients without any commissions;
- purchase foreign currency,
- manage your account.
Also, Internet banking of "Halyk Bank" gives consumers the opportunity to quickly receive detailed information on all their accounts. Balance amounts, interest on loans, data on deposits, terms and schedules of regular payments, statements - this and much more is available to users 24 hours a day, 365 days a year.
Benefits of online banking
The advantages of online banking "" are obvious and undeniable. First of all, these should include:
- full and constant control of the movement of funds on accounts;
- no need to use cash, especially for large purchases;
- security of users' funds;
- saving time.
NB: the functionality of the personal account of the user of Internet banking "Halyk Bank" allows you to carry out many operations without visiting the bank.
Through their personal account, users can:
- apply for the opening or renewal of a credit line;
- issue a new card;
- connect new accounts to your account
and perform many other operations at a convenient time for you.
The personal account provides for the management of remote service settings: the user can block and unblock cards, change the password, and even close his account online. To do this, select the appropriate item in the menu, and the user's registration data will be deleted.
How to connect internet banking
Now it remains to find out how to connect the Internet banking of "Halyk Bank". To do this, you need to have a bank-issued card and access to the World Wide Web - through a stationary computer, laptop or mobile phone.
Registration is carried out on the official website of the bank. First, you need to create an account - follow the link "Internet banking", where you select the section "For individuals" and the item "Register by card number". In the cells of the form, you must enter the card number and the mobile phone number, to which an SMS with a code will be sent to him after that. This code must be entered in the appropriate field, after which it remains only to come up with a username and password, enter them and click the "Register" button.
NB: This registration method is possible only for users who have already linked the card to their phone number and have activated the SMS notification / password delivery service at any Halyk Bank ATM.
Internet banking can also be connected at an infokiosk or ATM. For this you need:
- prepare the card for work - insert it into the card capture reader and enter the pin code;
- select the item "Registration in Internet banking" in the menu;
- enter a mobile phone number.
The device will issue a check with a temporary login and password to it. This data will be valid for two days, during which the user needs to register a new personal account. If this does not happen, the username and password will lose their validity. You can register according to the above sequence of actions on any device with access to the World Wide Web.
As you can see, there is nothing complicated either in the service itself or in its connection. It is much more important that Internet banking of "Halyk Bank" is the personal financial freedom of each user.
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