Information about accessibility requirements

Všeobecná úverová banka, a.s., having its registered office at Mlynské nivy 1, Bratislava, registration number: 31 320 155, incorporated by entry in the Commercial Register maintained by the Bratislava III Municipal Court, Section Sa, File 341/B (the “Bank”), in accordance with Section 6 of Act No 351/2022 on the accessibility of products and services for persons with disabilities, as amended (the “Act”), hereby provides information on the accessibility requirements applicable to the financial service as defined in Section 3(l) of the Act (the “Service”) and on the compliance of the Services provided by the Bank with those requirements.

A. Information on general Service accessibility requirements for persons with disabilities

The Bank shall ensure that the Service is provided in such a way that:

• the accessibility of products used in providing the Service is ensured in accordance with the accessibility requirements laid down for products for persons with disabilities;
• information on the functioning of the Service, and, where products are used in providing the Service, also information on the connection of the Service to those products, information on their characteristics relating to accessibility for persons with disabilities, and on their interoperability with assistive devices and equipment:
  • is made available through more than one sensory channel;
  • is provided in an understandable manner;
  • is provided in ways that the user is able to perceive;
  • where content is concerned, is made available in text formats that may be used to create alternative assistive formats that can be presented to users in different ways and through more than one sensory channel;
  • is provided in a font of an appropriate size and suitable type, taking into account foreseeable conditions of use and using sufficient contrast and adjustable spacing between letters, lines, and paragraphs;
  • is accompanied by an alternative presentation of any non-text content;
  • is provided in electronic form where necessary for the provision of the Service in a consistent and appropriate manner so that the Service is perceivable, operable, understandable, and robust;
• websites and mobile applications through which the Service is provided, including related online applications and services provided via mobile devices, comply with standards for accessibility and functionality in such a way that they are perceivable, operable, understandable, and robust;
• support services (helpdesk, telephone information centres, technical support, relay services, and training services), where available, provide information on the accessibility of the Service for persons with disabilities and its compatibility with assistive technologies through accessible means of communication.

B. Information on additional Service accessibility requirements for persons with disabilities

When providing the Service, it shall be ensured that:

1. methods of identification, electronic signatures, security, and payment services are provided in a manner that is perceivable, operable, understandable, and robust;
2. information is provided in an understandable manner, without exceeding complexity level B2 (upper-intermediate) of the Common European Framework of Reference for Languages of the Council of Europe.

C. Information on the compliance of the Services provided by the Bank with the accessibility requirements applicable to the Service

General description of the Service in accessible formats

The Bank treats all its clients and potential clients, including persons with disabilities, in a manner that enables full and satisfactory use of the Bank’s Services. In order to ensure the availability of information in a clear and technically accessible form, the Bank provides information in various formats (documents, in-person contact, digital content), which are accessible also to persons with different types of disabilities. The same approach is applied to products whose use is necessary for the provision of the Service. The Bank also seeks to remove digital barriers that could hinder the full use of the Services and the products used in providing the Services.

Descriptions and explanations necessary to understand how the Service works

The Bank provides Services through various communication channels. Clients and potential clients, including persons with disabilities, may access the Service in person at the Bank’s branches, by telephone, or via websites and mobile applications.

Description of how the Service meets the accessibility requirements for persons with disabilities

Services provided at branches

• The Bank has adapted client documentation so that it is compatible with assistive technologies used by clients or potential clients (screen readers).
• The Bank’s branches are adapted to enable the technical equipment necessary for conducting advisory consultations to be operated by persons with limited reach.
• The Bank has organised branch premises so as to provide an adequate level of privacy for persons with disabilities.
• The Bank’s branches are designed to be barrier-free – an overview of barrier-free branches with step-free access is available.
• Clients with hearing or speech impairments have access to written forms of communication.
• Selected branches are equipped with an induction loop – a device that transmits sound directly to hearing aids and thus improves the clarity of communication for persons with hearing impairments. Information on its availability is provided in the section “Services at individual branches” and in the list of branches equipped with an induction loop.

Services available via the Bank’s website

• The website www.vub.sk ensures content-related compatibility – structuring of headings, semantics of lists and tables, alternative text, adjustment of link text, and captioning of videos.
• The Bank ensures the accessibility of the cookies banner, appropriate contrast ratios for checkboxes, and keyboard control.
• For certain downloadable files, information on the file type and size has been added.

Client documentation

• The Bank has implemented adjustments aimed at correct document labelling, establishing semantic structure, and ensuring sufficient readability using screen readers.

Services available in the mobile app 

• In the VÚB Mobile Banking application available for devices with the Android operating system, the following functionalities have been aligned and made accessible for persons with disabilities: Activation, Login, Homescreen, Payments, Accounts, Cards, Loans, Investments, Product Offer, Settings, Remote Banking, ATM Withdrawal, Message Inbox, My Documents, My Profile.
• The Bank has prepared guidance on how to adjust device settings relating to font size and the use of magnification.

Contact service

• Clients and potential clients, including persons with hearing or speech impairments, may use written communication with our Contact Centre. Contact details are available on our website at https://www.vub.sk/ludia/kontakt.html

All information on the accessibility requirements laid down for the Service and on the Service’s compliance with those requirements is available on the website www.vub.sk throughout the entire period during which the Service is provided. The Bank provides such information in written and oral form, as well as in a manner accessible to persons with disabilities.