The Raiffeisen Mobile Token is free of charge. It serves for identification of customers accessing the Raiffeisen Personal Online Banking service and for authorization of orders. Simply install the Mobile Token on your smart phone and use it to easily generate access codes to Online Banking and to make payments faster, more convenient and easily available. The application is also useable in the offline mode; you need to be online only when you download and activate the application for the first time. The Raiffeisen Mobile Token is absolutely safe to use as it requires the sames access credentials (username and password) as you already use for Raiffeisen Personal Online Banking.