Splitska banka Societe Generale Group

Functionality

• Card with deferred payment – all transactions (cash, non cash) deferred debiting of the account (on 20th in the month)
• It is not the only card under the account – it makes a pair with the basic debit card (Electron)
• It is used with Kuna current account (even if the income is in foreign currency):
  • independently – allowed basic overdraft under the account
  • with packages PLUS and COMFORT – greater coefficients of overdrafts and spending limits

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 – Electron 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) – 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. Electron card – all transactions reduce immediately the available balance (=balance on the account + basic overdraft)
  2. Classic card – transactions are with the deferred debit on the account
     • on cash payments the fee is charged - 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 that 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
• Enables purchasing through internet – the announcement is required (amount and time of purchasing) to Visa Center , tel. 021 347 200
• The user has the possibility to choose issuing of the additional card:
  • Electron – obligatory power of attorney, an additional user has the insight in the available balance of the account
  • Classic – power of attorney is not obligatory, the additional user has the insight in the available cards limit
  • Electron and Classic – obligatory power of attorney, the additional user has the insight in the available balance of the account and in the available cards limit; so, all the rights as the user in disposing with the funds
• Fees ---> click here
  

Functionality

• Card with deferred payment – all transactions (cash, non cash) deferred debiting of the account (on 20th in the month)
• It is not the only card under the account – it makes a pair with the basic debit card (Electron)
• It is used with Kuna current account (even if the income is in foreign currency):
  • independently – allowed basic overdraft under the account
  • with packages PLUS and COMFORT – greater coefficients of overdrafts and spending limits

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 – Electron 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) – 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. Electron card – all transactions reduce immediately the available balance (=balance on the account + basic overdraft)
  2. Classic card – transactions are with the deferred debit on the account
     • on cash payments the fee is charged - 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 that 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
• Enables purchasing through internet – the announcement is required (amount and time of purchasing) to Visa Center , tel. 021 347 200
• The user has the possibility to choose issuing of the additional card:
  • Electron – obligatory power of attorney, an additional user has the insight in the available balance of the account
  • Classic – power of attorney is not obligatory, the additional user has the insight in the available cards limit
  • Electron and Classic – obligatory power of attorney, the additional user has the insight in the available balance of the account and in the available cards limit; so, all the rights as the user in disposing with the funds
• Fees ---> click here