A ViCA is a new, ground-breaking personal authentication tool that makes internet banking services much safer. You can use ViCA to log in to the internet banking service and you can sign your transfers with it. ViCA can help you to avoid scams, theft of user creditentials and your money. Important: this application can not be used by itself for internet banking purposes. An existing contract with your bank is required! At the moment, the ViCA application is available for the users of the following services: - K&H Electra System - UniCredit Bank Spectra System - Raiffeisen Bank Electra System Please contact your bank for the terms and conditions to use the application!