PC banking is an offline solution. There is no need to connect to the internet to work with documents and directories, import documents from accounting programs, sign documents or examine account statements. PC banking is completely identical to internet banking functionality-wise.

For PC banking to work, one needs any modern computer running under any operating system, with the Microsoft JVM virtual Java machine, Sun Java plug-in, version no earlier than JRE 1.5.0 with Internet Explorer installed.

The primary repository for all PC banking data is the bank's server. In case of a computer breakdown, the reinstallation of the operating system or when working on a new computer, all a user needs to do is reinstall the single PC banking user distributive and synchronize it with the bank. As a result, all documents previously sent to the bank, with current statuses, the history of status changes, all account statements, the directories of recipients and beneficiaries and all system updates will be reloaded from the bank's server.

The client component of PC banking supports a large number of clients, that is, one program supports the work of several organisations with their details, documents, account statements and directories.  

This component may be installed on the computers of several employees of your company. In this case, some of these employees may work with their versions of the PC banking client component while others work through internet banking and the bank's server is their single synchronization point.

An important advantage of the iBank2 system is the use of the same EDS keys in all its modules. The client’s keys may be generated in either internet banking or PC banking module and then be used in them both.

The unified document space is also important. For instance, a payment document may be created in the internet banking module, edited and signed with the first EDS in PC banking and then signed with the second EDS back in internet banking.

PC banking assures the necessary level of security. All data are encrypted with the use of Russian algorithms contained in the AGAVA-S 5.0 cryptographic library certified by the Federal Security Service of Russia. The system monitors the integrity of transmitted data.