• international card with a chip
• electronic or embossed
• repeated drawing of funds provided by the bank up to the approved credit line

• 3 years

• natural persons
• citizens of SR or foreign residents
• age 18 - 61 at the day of filing the application

• regular monthly income
• apply for issuance in any point of sale

• cashless transactions:
  • purchase of goods and services through POS terminals
  • ordering through Internet, post or phone
  • recharging of phone cards of mobile operators at ATMs
  • viewing card account balance at the ATMs of Slovenská sporiteľňa
  • purchase of goods and services through mechanical card interpreter - imprinter (only embossed cards)
• cash transactions:
  • cash withdrawal from ATMs
  • cash withdrawal through POS terminals in points of sale of Slovenská sporiteľňa, in other banks or at merchants
  • cash withdrawal through mechanical card interpreter - imprinter in Slovenská sporiteľňa, in other banks or at merchants (only embossed cards)

• min. 300 €

• cashless transactions - up to the approved credit line amount
• cash withdrawals - up to the approved credit line amount
• total transaction limit - up to the approved credit line amount

• interest-free loan up to 45 days * 

• simple and flexible repayment:
• you determine the date of payment (the 15th day of a month at latest)
• you determine the installment amount (at least 5% from the amount outstanding, 15 € minimum) 
  •  
  • repayment options:
  • cashless transfer
  • cash deposit
  • collection

• a simple way how to obtain a loan
• transaction limits with no restrictions (up to the approved credit line amount)
• repeated drawing of funds
• advantageous interest rate (only from the amount that really has been borrowed)

• loyalty program of instant discounts from 5 to 30% in more than 5 000 shops and establishments in Slovak and Czech Republic 

List of shops and establishments who joined the Sphere program can be found at: