In its business approach, as a transparent and socially responsible banking group, ProCredit is firmly committed to participating in international efforts to prevent money laundering, terrorism financing, and other activities punishable by law.

ProCredit Holding, the parent company of the ProCredit group, is located in Frankfurt am Main, Germany, and is supervised by the German Federal Financial Supervisory Authority (BaFin). BaFin applies EU anti‑money laundering directives and international standards, and is a member of the Basel Committee on Banking Supervision.

All ProCredit institutions comply with the highest standards of anti‑money laundering (AML). The AML Programme is designed and monitored by ProCredit Holding according to German legislation and international standards. In addition, all ProCredit institutions comply with the local laws and regulations of the countries in which they operate.

• Appointment of an AML specialist: each ProCredit bank has a specialist responsible for reporting to the Management Board and to the Group AML specialist.
• Enhanced due diligence procedures: strict application of “Know Your Customer” (KYC) and “Know Your Correspondent”.
• Staff training: regular training sessions for all employees, complemented by distance learning programmes to maintain AML awareness.
• Customer classification: assessment of risks related to money laundering and terrorism financing, and application of appropriate procedures.
• Transaction monitoring: group‑wide IT monitoring system, compliance with national and international sanctions and embargoes.
• Reporting suspicious activities: reports submitted to local Financial Intelligence Units and to the Group AML specialist.
• Accounts and record‑keeping: no anonymous or fictitious accounts are held; strict adherence to record‑keeping and archiving requirements.
• Annual audit: all ProCredit banks and ProCredit Holding undergo an annual compliance audit.

When opening an account or initiating any other business relationship with a new client, ProCredit banks record and verify all information required for customer identification, whether the client is an individual or a legal entity. Employees request the client’s name, address, date of birth and other relevant data, as well as identity documents. In addition, questions are asked about the ultimate beneficial owner and the source of funds.

In accordance with the U.S. PATRIOT Act and the final rules issued by the U.S. Department of the Treasury, ProCredit banks may provide a certificate of compliance with this act upon request. For additional information, please contact: compliance@procredit-holding.com

Preventing identity theft is essential. For this reason, it is recommended to use strong and unique passwords.

• Choose passwords that cannot be guessed easily. Avoid family names, birth dates, nicknames, and do not use the same password for multiple websites.
• Do not write down or publish your user IDs, passwords, or sensitive information anywhere.
• Change your passwords periodically and do not share them with anyone — not even with family members.

• Use antivirus and anti-malware programs and keep them updated.
• Regularly update your operating system and the applications on your device.
• Scan any software you download before installing it.
• Do not disable security controls on your phone — it may expose your device to risks.

Social engineering attacks attempt to trick you into revealing sensitive information or performing actions that can lead to fraud.

• If you have doubts about the authenticity of an email, message, or call that appears to be from ProCredit Bank, report it immediately: 0800 000 10, +373 22 27 07 07 or mda.pcb.antifraud@procredit-group.com.
• Be careful with downloaded files — they may look harmless, but some may be malicious.

• Protect your phone or tablet with a password, fingerprint, or facial recognition.
• Regularly check your account activity and immediately report any suspicion.
• Avoid public Wi‑Fi networks for online banking and sending sensitive information.
• Regularly clear your browser cache after online banking sessions.
• Access ProBanking only by manually entering the official address — do not use links from emails.
• Keep your PINs and passwords safe and never share them with anyone.
• Beware of emails promising easy money — if it sounds too good to be true, it probably is.
• Ensure that antivirus, firewall, and automatic updates are enabled, and avoid using unknown computers.

• Install apps only from official stores such as Apple App Store or Google Play Store.
• Always follow the terms and conditions of your bank.
• Be cautious of suspicious pop‑ups during online banking and contact the bank if you have doubts.
• Do not leave your computer unattended when logged into Internet Banking, and always log out properly when finished.

For more information about cybersecurity:

• National Cyber Security Alliance
• EU Agency for Cyber Security

We use the latest technologies to detect and prevent cyber intrusions, for example:

• We implement controls that prevent unauthorized access by individuals or networks (Firewalls, intrusion prevention systems, data encryption, etc.)
• We protect the connection between your device and our applications through Secure Socket Layer (SSL) encryption, for example when you log in, fill out a form, or register for online services.

• You authorize transactions and payments through Multi‑Factor Authentication.
• Your online banking session disconnects automatically after 10 minutes of inactivity to prevent unauthorized access.
• Secure access to the mobile version of e‑Banking through biometrics or password.
• We constantly monitor for possible online fraud.
• Mobile applications are developed using the most advanced security technologies.

• You can manage card limits and card status yourself through our digital channels.
• Cards comply with the latest security standards, such as 3‑D Secure.
• You receive an SMS message for every online transaction made with your card.
• We perform online monitoring to prevent potential fraud.

• Keep your contact details up to date so we can reach you quickly if needed.
• Report immediately if you lose your card or phone, or if they have been stolen.