Splitska banka Societe Generale Group

Functionality

• Card with deferred payment – all transactions (cash, non cash) debit the account with deferral (on 20th in the month)
• MasterCard Classic is issued:
  • together with the basic debit card (Maestro or Visa Electron), on the basis of the current account with constant income
  • independently, on the basis of the saving in Wustenrot stambena štedionica
• It is used with Kuna current account
  • with regular monthly income
    • without the package – basic overdraft of the account and spending limit are allowed
    • with packages PLUS and COMFORT – greater coefficients of overdrafts and spending limits
  • based on the saving in Wuesternot stambena štedionica – only for the purpose of using cards limit

Users, conditions, using

• The user is a domestic physical person with regular monthly income on the account in the Bank, from HRK 2.000 already (in kuna or in foreign currency)
• Coefficient (multiplies the average income in the last three months):
  1. of the basic overdraft – debit card should be used
     • without package = 1 X income, up to HRK 10.000
     • with the package:
       • COMFORT = 3 X income, up to HRK 30.000
       • PLUS = 1 X income, up to HRK 10.000
  2. of the card limit (spending limit) – MC Classic should be used
     • without the package = 1,5 X income, up to HRK 15.000
     • with the package:
       • PLUS = 2,5 X income, up to HRK 25.000
       • COMFORT = 1,5 X income, up to HRK 15.000
• Choice of disposing with the funds:
  1. Debit card – all transactions reduce immediately the available balance (=balance on the account + basic overdraft)
  2. MC Classic card – transactions are with the deferred debiting of the account
     • on cash payments the fee of 1% of the amount is charged - min HRK 10,00 without interest during the deferral
     • on 20th in the month the account is automatically debited for total due costs (advice is sent on the statement of account) and in such way the spending limit is renewed
     • by instalment purchasing the cards limit can be exceeded – in such case the client will be advised about the charged fee for exceeding the limit
  • non allowed overdraft of the account blocks using of both cards
• Payments on the account, cash and non cash payments – the cards limit is not increased
• Using in the Republic of Croatia and abroad, withdrawing of cash outside the Bank is subject to charging of the fee
• It is embossed – enables instalment purchasing by using the same on inprinters and POS-es
• Enables purchasing via internet – the announcement (amount and the time of purchasing) should be made to Visa Center on the phone no. 021 347 200
• The user has the possibility to choose issuing of the additional card:
  • Debit – obligatory power of attorney, an additional user has the insight into the available balance on the account
  • MC Classic – no power of attorney is obligatory, the additional user has the insight into the available cards limit
  • Debit and MC Classic – obligatory power of attorney, the additional user has the insight into the available balance on the account and in the available cards limit; so, all the rights as the user in disposing of the funds
• Fees ---> click here
  

Functionality

• Card with deferred payment – all transactions (cash, non cash) debit the account with deferral (on 20th in the month)
• MasterCard Classic is issued:
  • together with the basic debit card (Maestro or Visa Electron), on the basis of the current account with constant income
  • independently, on the basis of the saving in Wustenrot stambena štedionica
• It is used with Kuna current account
  • with regular monthly income
    • without the package – basic overdraft of the account and spending limit are allowed
    • with packages PLUS and COMFORT – greater coefficients of overdrafts and spending limits
  • based on the saving in Wuesternot stambena štedionica – only for the purpose of using cards limit

Users, conditions, using

• The user is a domestic physical person with regular monthly income on the account in the Bank, from HRK 2.000 already (in kuna or in foreign currency)
• Coefficient (multiplies the average income in the last three months):
  1. of the basic overdraft – debit card should be used
     • without package = 1 X income, up to HRK 10.000
     • with the package:
       • COMFORT = 3 X income, up to HRK 30.000
       • PLUS = 1 X income, up to HRK 10.000
  2. of the card limit (spending limit) – MC Classic should be used
     • without the package = 1,5 X income, up to HRK 15.000
     • with the package:
       • PLUS = 2,5 X income, up to HRK 25.000
       • COMFORT = 1,5 X income, up to HRK 15.000
• Choice of disposing with the funds:
  1. Debit card – all transactions reduce immediately the available balance (=balance on the account + basic overdraft)
  2. MC Classic card – transactions are with the deferred debiting of the account
     • on cash payments the fee of 1% of the amount is charged - min HRK 10,00 without interest during the deferral
     • on 20th in the month the account is automatically debited for total due costs (advice is sent on the statement of account) and in such way the spending limit is renewed
     • by instalment purchasing the cards limit can be exceeded – in such case the client will be advised about the charged fee for exceeding the limit
  • non allowed overdraft of the account blocks using of both cards
• Payments on the account, cash and non cash payments – the cards limit is not increased
• Using in the Republic of Croatia and abroad, withdrawing of cash outside the Bank is subject to charging of the fee
• It is embossed – enables instalment purchasing by using the same on inprinters and POS-es
• Enables purchasing via internet – the announcement (amount and the time of purchasing) should be made to Visa Center on the phone no. 021 347 200
• The user has the possibility to choose issuing of the additional card:
  • Debit – obligatory power of attorney, an additional user has the insight into the available balance on the account
  • MC Classic – no power of attorney is obligatory, the additional user has the insight into the available cards limit
  • Debit and MC Classic – obligatory power of attorney, the additional user has the insight into the available balance on the account and in the available cards limit; so, all the rights as the user in disposing of the funds
• Fees ---> click here