A current account is a basic account used for initiating your relation with the Bank through which you will be granted access to all our services. You may receive into or send from this account your funds through transfers and access such funds 24/7. You must use the current account only for personal reasons and only for legitimate purposes. If you do not use your account for an uninterrupted period of at least 6 (six) months, the Bank shall reserve the right to close your account. If you have any outstanding debt against the Bank on any of your accounts, the Bank has the right of lien on any amount in those accounts and you agree that the Bank may block or keep these amounts and use/debit the accounts to pay your debt.

The debit card is issued for a fixed period of time (embossed on the card) and is linked to your current account. If the Debit card has been used regularly, the Bank may reissue your card automatically if it deems it reasonable even without your request; however, it is your responsibility to timely submit, in any case (prior to expiration or in any other case), an application for a new card. After the expiration or replacement of the card, the new card will be linked to the same account.  

The Bank applies limits for maximum allowed amounts for transactions with debit cards and/or for a fixed period and is entitled to modify such limits and inform clients through various communication channels. 

You shall be responsible for protecting your debit card and data from possible misuses and for all transactions carried out with that card. When receiving the Card, the Bank will instruct you on how to activate the card and receive the PIN code. The Bank will send the relevant PIN code in a closed envelope or using another appropriate physical or electronic method. The Bank will provide the confidential information about the bank transactions only to the Client personally.

E-Banking service enables you to electronically and securely access your bank accounts which you hold or which you are authorized to access upon providing your user name and password (in desktop and mobile version). 

By using your username, personal password and security code, you may view, download and print the statements of your accounts and carry out certain types of bank transactions described in the E-banking service manuals published in our official website: (https://ebanking.procreditbank-kos.com/). For execution of several other transactions, in order to protect you, you are requested additional information to verify your identity.

is a secret/personal code that enables you to obtain information on: your bank accounts balance; incoming/ outgoing transactions from accounts; various card transactions; loan installment; it also enables unblocking/changing password and setting a new one for e-banking and e-statement; unblocking cards and changing card transactions limit. As a result of the continuous technological advancements the range of services offered via client identification code may change. All the above-mentioned services can be performed by contacting the Call Center at the following numbers: +381(0)38 555 555 /+386(0)49 555 555, and identifying yourself with the Client Identification Code during the working hours of the Call Center.

Your savings account should be used only for savings and cannot be used for routine transactions. The nominal interest is a fixed simple annual rate of % per year, which is calculated based on the principal.

The interest is calculated as a simple interest using the following formula: actual number of days / 365 or 366 days, depending on the year as of the deposit into your savings account. This method considers the actual calendar days of the month/year for calculating the interest. 

The interest is calculated in compliance with the requirements of CBK Regulation on Effective Interest Rates and Disclosure Requirements. Effective interest rate is %. Pursuant to the applicable legislation, we are obliged to withhold at source the interest income (%) at the level and using the method determined, which may change in line with the applicable law. 

The interest shall be calculated daily and paid monthly on the following banking working day after the end of calendar month. 

The interest income shall be credited into your current account.