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- international card with a chip
- electronic or embossed
- repeated drawing of funds provided by the bank up to the approved credit line
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| - 3 years |
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- natural persons
- citizens of SR or foreign residents
- age 18 - 61 at the day of filing the application
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- regular monthly income
- apply for issuance in any point of sale of Slovenská sporiteľňa |
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- 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 and at merchants
- cash withdrawal through mechanical card interpreter - imprinter in Slovenská sporiteľňa, or other banks or at merchants (only embossed cards)
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| - min. 2 000 € |
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- 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
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- interest-free loan up to 45 days *
* valid only for cashless transactions (after paying all the outstanding amount until due date) |
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- 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
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- 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)
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- 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:
- issuance of an emergency card in case it gets lost or stolen while being abroad
- emergency cash in case it gets lost or stolen while being abroad
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| current list of fees and charges |
| current interest rates (only in Slovak version) |
| Business terms and conditions for Credit Cards (only in Slovak version) |
| Publication of important information relating to Credit Cards (only in Slovak version) |
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Clients transferring their income to an account in Slovenská sporiteľňa for more than
4 months:
- Standard expenses of the client
- Loan application
Non-clients or clients transferring their income to an account in Slovenská sporiteľňa for less than 4 months:
- Standard expenses of the non-client/client
- Income statement from dependent activity or Statement of Taxable Income
- Loan application
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All