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 package  – greater overdraft coefficient

Users, conditions, using

• The user is a domestic physical person with regular monthly income on the account in the Bank, from HRK 6.000 already (in kuna or in foreign currency) or with the term deposit of at least EUR 10.000 for the period of 12 months already
• 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 = 2,5 X income, up to HRK 25.000
  2. of the card limit (spending limit) – Gold should be used
     • without package or with it = HRK 28.000
• Choice of disposing with the funds:
  1. Electron card – all transactions reduce immediately the available balance (=balance on the account + basic overdraft)
  2. Gold card – transactions are with the deferred debititing of 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 in the statement of the 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
• Enables purchasing through internet – the announcement (amount and the time of purchasing) should be made to Visa Center on the phone no. 021 347 200
• Insurance of Visa Card holders
• The user has the possibility to choose issuing of the additional card
  • Electron – obligatory power of attorney, an additional user has the insight into the available balance on the account
  • Gold – no power of attorney is obligatory, the additional user has the insight into the available cards limit
  • Electron and Gold – 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 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 package  – greater overdraft coefficient

Users, conditions, using

• The user is a domestic physical person with regular monthly income on the account in the Bank, from HRK 6.000 already (in kuna or in foreign currency) or with the term deposit of at least EUR 10.000 for the period of 12 months already
• 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 = 2,5 X income, up to HRK 25.000
  2. of the card limit (spending limit) – Gold should be used
     • without package or with it = HRK 28.000
• Choice of disposing with the funds:
  1. Electron card – all transactions reduce immediately the available balance (=balance on the account + basic overdraft)
  2. Gold card – transactions are with the deferred debititing of 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 in the statement of the 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
• Enables purchasing through internet – the announcement (amount and the time of purchasing) should be made to Visa Center on the phone no. 021 347 200
• Insurance of Visa Card holders
• The user has the possibility to choose issuing of the additional card
  • Electron – obligatory power of attorney, an additional user has the insight into the available balance on the account
  • Gold – no power of attorney is obligatory, the additional user has the insight into the available cards limit
  • Electron and Gold – 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 with the funds
• Fees ---> click here