Accounts

Beneficiary: Adult private individuals whose regular monthly income exceeds 250 BAM.

Overdraft amounts:

• Up to 100% of the amount of regular monthly income is approved after two consecutive and regular monthly incomes. The amount being approved with overdraft is average money income to the current account in the last 2 months.
• Up to 200% of the amount of regular monthly income is approved at the request of a client with a mandatory check of credit history, solvency of the employment firm, amount of salary, total debt and other elements, also after two consecutive and regular monthly incomes.
• Up to 300% of the amount of regular monthly income is approved at the request of a client  only for a first-class clients, namely employees of the companies with which the Bank has special agreement.

The average monthly income for the last 3 months through an account is recalculated every 6 months.
Maximum overdraft amount is set to up to 5.000 BAM and is approved on 12 months with renewal, provided there was a regular monthly income during the considered period regardless of the account balance.

Currency: BAM

Period: 12 months

Interest rate: 10.90% pa
The effective interest rate (EIR) is equal to the nominal interest rate.

Commission fee: Free of charge

Collateral:

• A life insurance policy of current account beneficiary
• 1 blank promissory note with a bill of exchange statement