GKB® Digital Banking - Swiss Precision: Accessing GKB Digital Banking and Financial Services

Graubündner Kantonalbank (GKB) stands as a pillar of the Swiss financial landscape, offering a sophisticated blend of regional stability and modern digital infrastructure. For corporate entities and private clients alike, the GKB e-Banking and Mobile Banking suites provide a high-performance environment for managing assets with the security and precision expected from a leading Swiss cantonal bank.

The Hub of Swiss Asset Management

GKB’s digital ecosystem is designed to be a comprehensive "Financial Cockpit." It moves beyond simple transaction history to provide deep insights into account movements, depot performances, and credit card spending. For businesses operating within the Canton of Graubünden or across Switzerland, the platform serves as a vital tool for real-time liquidity management and long-term financial planning.

Key Features of the GKB Digital Suite

GKB has prioritized a "user-first" design that simplifies complex banking workflows:

• QR-Bill Processing: Seamlessly scan and pay Swiss QR-bills via the mobile app, ensuring that accounts payable are handled with zero manual entry errors.
• Global Payment Rails: Execute domestic and international transfers (SEPA and non-SEPA) with competitive foreign exchange rates directly through the e-banking portal.
• Real-Time Card Management: Block, unblock, or order new debit and credit cards instantly, and manage geographical usage limits for enhanced security.
• Direct Advisor Communication: Use the integrated "Mailbox" to exchange secure messages and documents with your dedicated GKB relationship manager, bypassing unencrypted email channels.

Security and "CrontoSign Swiss"

In Switzerland, banking security is paramount. GKB utilizes the CrontoSign Swiss technology (or integrated mobile authentication) to ensure a "hardened" login process.

1. Optical Authorization: When performing a sensitive transaction or logging in, a mosaic image is displayed on your screen.
2. Encrypted Scanning: Using your smartphone or a dedicated device, you scan the mosaic to decode the transaction details.
3. Two-Factor Verification: This ensures that even if your password is compromised, no funds can be moved without physical access to your authenticated device.

GKB Mobile Banking: Independence and Agility

The GKB Mobile Banking app is designed to function independently of the desktop version. It allows business owners to:

• Authorize Payments on the Go: Review and release pending batches while away from the office.
• Digital Parken & TWINT: Integration with local Swiss payment ecosystems like TWINT allows for seamless, cashless transactions for parking and retail services directly from your bank account.
• E-Documents: Access all bank statements, tax documents, and investment reports in a secure, digital-only format, significantly reducing administrative paperwork.

Corporate Governance for Swiss SMEs

For larger organizations, GKB e-Banking provides robust User Administration tools. The "Master User" can define granular access rights, allowing different employees to have specific permissions—such as "Entry Only" for accounting staff and "Authorization Only" for executives. This "Four-Eyes" principle is a standard feature, ensuring that no high-value payment leaves the organization without dual approval.

Conclusion

Graubündner Kantonalbank provides a digital experience that mirrors the reliability of the Swiss Alps. By combining innovative payment technologies with rigorous security protocols and a focus on regional expertise, GKB empowers its clients to manage their wealth with absolute confidence.