Basic concepts - cards

Payment card

Payment card is a plastic card equipped with a magnetic stripe/chip that holds the relative information about the Cardholder and the card itself, and is issued by the Bank and with which you can make payments for goods and services as well as withdraw cash


Maestro and Debit MasterCard

Maestro is a payment card from the Maestro/MasterCard group that binds to the current account of citizens. It is intended for individuals. The Maestro card is a debit card, which means that the Users can only spend as much money as they have in their current account. With the Maestro Card, the user can withdraw cash at any ATM and pay for goods and services at POS terminals, in the country and abroad, which are marked with the Maestro logo.

Standard MasterCard

Standard MasterCard is a payment card from the Maestro / MasterCard group that binds to the card account of citizens. It is intended for individuals. The MasterCard Standard is a credit card that you get a loan from the Bank. Standard MasterCard Card The user can withdraw cash at any ATM and make payments for goods and services at POS terminals, in the country and in the world, which are marked with the MasterCard logo. The amount of credit you spend is paid in monthly installments (10 monthly installments). Unlike a classic loan, you renew the credit you received on the card with each payment for the amount of payment made (this is why this credit is called revolving ). You are charged interest only on the amount of credit expended, namely, for cash withdrawal transactions from the date of the transaction, and for transactions of payment for goods and services by card, Our Bank a.d. Slobomir-Bijeljina does not charge you interest if you repay by the 20th of the month for the previous month. The monthly payment must not be less than the minimum payment amount indicated on the statement you receive from the Bank. If you do not pay the minimum payment amount, the Bank will charge you a default interest.

Validity period

The validity period of the card is 3 years.

ATM (Automated Teller Machine)

ATM (Automated Teller Machine) is a device with which the user can withdraw cash. The main advantages of using the cards are:
- no direct contact with the Bank's employees, avoiding crowds at the counters
- there are no restrictions in terms of working hours as the ATM is in operation 24 hours per day every day of the year, nor is there a limit restriction - User can withdraw cash at any ATM in the world marked with the Maestro/MasterCard logo
- always needs a PIN, and can only be used by Users (who is issued the PIN) to withdraws cash with their cards
- in addition to cash withdrawal, ATMs also have other functions such as inquiries, a mini statement, funds transfer, etc.
There are around 900,000 ATMs in the world today.

POS (Point Of Sale) terminal

POS (Point Of Sale) terminal is an electronic device located with a merchant that allows payment for goods or services by card. It is a device that reads data from the card. Based on this information, card validity is checked, the card account balance is checked and, upon successful payment, funds are transferred from the card account to the merchant account in the amount of the purchase. For the transaction of payment for goods and services by card, the Bank does not charge a fee from the User. To date, over 22 million POS terminals have been registered worldwide.

PIN - code

PIN - code (Personal Identification Number) is a number assigned to the User and has a function of electronic signature when paying for goods/services and withdrawing cash by card.



Contactless payment - payment made in seconds at POS terminals that enable this feature, ie. just by tapping cards at the POS terminal. At points of sale that do not yet have a contactless terminal card as a standard debit card (insertion into a POS terminal).



Transaction is every electronic transaction ie. changes made by using the card when paying for goods/services, withdrawing cash or making a payment to your card account.


Credit limit

Credit limit is the upper limit to which the Bank credits the Beneficiary, ie. the amount that the User can spend that is not in their card account.


Available limit

Available limit is the amount available to you and it is calculated by deducting the total debt from the credit limit.



The Excerpt represents the calculation of your spending for the previous month, the Bank delivers it to you every month and contains the following elements:

  • card's account number
  • Your full name and address
  • the date the billing was completed
  • current debit on the day of settlement
  • a minimum payment amount of 5% of your total debt
  • the due date by which you must pay the minimum amount specified
  • credit limit
  • available limit
  • the date the transaction was processed, meaning the date your account was debited
  • date of continuation of transaction, i.e. the date you used your card to pay for goods/services, withdraw cash or make a payment to your account
  • transaction number, i.e. an identification number unique to each transaction and which can be called at the Bank if you want more detailed information about the transaction
  • transaction description (payment, cash withdrawal, name of the place where you used the card)
  • amount, which represents the amount of your card account's debit on each transaction
  • summary, containing: previous debit (your total debit from the previous period), purchase/withdrawal of cash (amount of your spending in the accounting period), interest/banking expenses, payments/credit (amount of all your payments in the accounting period), current debit (obtained when the amount of your previous debit is collected, purchases/withdrawals of cash and interest/banking charges deducts the amount of payment/credit), minimum payment amount (representing 5% of your total debt), payment deadline (by which you must pay the minimum amount).