The current account is a basic type of account which initiates a connection with the bank and through which you have access to a whole set of banking services. Through this account you can provide inflow of funds or initiate transfers and you can as well access these funds 24/7. Next to a current account in local currency ProCredit Bank provides you with the possibility for opening an additional account in the EUR currency.

The current account must be used exclusively for personal purposes and for legitimate reasons only. If you do not use your account for an uninterrupted period of at least 12 (twelve) months, the Bank reserves the right to close your account. If you have accumulated debts to the Bank in any account, the Bank reserves the right to claim any amount in such accounts, as well as the right to block or retain these amounts and use/debit debt accounts.

Current account with ProCredit Bank is linked with perfect MasterCard contactless debit card which offers a range of features such as free ATM cash withdrawals on the ATMs of all the banks in the country up to 3 times per month. The card is issued for a fixed period of time (info printed on the back of the card) and linked to your current account.

The initial aim of designing this card was to meet the highest security needs and provide perfect user's autonomy. MasterCard contactless debit card is perfectly linked with our mobile banking application and it allows the users to adjust daily payment limits at POS terminals cash withdrawals on ATM's and online payments as well as to determine the number of daily transactions.

Additional security for online shopping is also provided by the MasterCard Secure Authentication Code. However, you should know that you are personally responsible for the safety and protection of your card. If the card is lost, you should block it yourself through our mobile app. You can reactivate the card by yourself once you are sure that it can be safely used. In case you do not have internet access, you should contact the Bank at 033 / 250-976. 

Opening a current account with ProCredit Bank provides you with a unique opportunity to perform up to 20 e-Banking transactions per month free of charge. All transactions in ProCredit Bank are carried out electronically i.e. through internet banking which is issued to you when opening a current account.

You will be issued a unique username, password that you have personally specified, and triple security is guaranteed by additional security- tokens issued on your behalf. By using the username, personal code and security code from your token, you can access, download and print out your account statements and you can execute certain types of banking transactions as well. In addition to e-Banking we have developed Mobile banking to enable our customers to have a faster and easier access to the Bank, and the application is available for both operating systems. Please download the application for Android here: https://play.google.com/store/apps/details?id=com.quipugmbh.mobilebanking.bosnia. If you possess a mobile device with supported by iOS operating system, please download the application here: https://apps.apple.com/us/app/procredit-bih/id1434299950.

You do not need a loan to meet all of your financial needs. ProCredit FlexFund is an overdraft developed to help when you need additional liquid funds. You need to be Active service user and regular salary receiver with an account in ProCredit Bank.

ProCredit FlexFund could be issued in the amount of 2 average monthly salaries with the most competitive respective interest rate on the market in the amount of 8%. The interest rate is applicable only for the used amount of funds. Disbursement fee is 0% and we do not require promissory notes or any other collateral. This service is active during the uninterrupted period of salary receiving with ProCredit Bank and the contract should be annually re-signed. 

SMS service will be activated by default as a standard part of Active service. The bank is notifying you immediately after the banking transaction is conducted via SMS notification that contains information about the transaction as well as the information about the account balance. SMS notification will be sent on the mobile phone number registered while applying for the Active service

This service is active for all the ATM cash withdrawals POS payments as well as for the online account inflows in the amount equal to or above 50 BAM.

ProCredit FlexSave is a special kind of savings account that besides the utmost required security guarantees you the perfect flexibility in the sense of savings. It provides you with the opportunity to save as much as you want when you want while the funds are available in any moment and the complete service is online.

The nominal interest rate is a fixed simple annual rate of 0.4% and it is calculated in relation to the base. The interest is calculated using the following formula: actual number of days / 365 or 366 days, depending on the year and deposit on your savings account. This method takes into account the existing calendar days per month / per year for calculating interest. The interest rate for the FlexSave account is calculated on a daily basis and is paid monthly on the first day after the end of the calendar month. Interest income is paid out to your current account.