ckb gradjani 3 paketa proizvoda

CKB Smart service package

CKB Smart package of services

This package is the perfect measure for anyone who wants to manage their finances smartly, saving their time and money.

 

Main advantages

  • No waiting in lines and managing your own finances in the fastest and simplest way
  • The CKB Smart package contains the CKB GO application, which provides you with better financial control through the ability to check 24/7 (insight into accounts, cards, loans, deposits, standing orders, making national and international payments, changing limits and status of cards, creating deposits)
  • Raising wages and other income through a stable international bank and within the largest network of ATMs in the country
  • Having a card that you can use at all points of sale with easy and safe use
  • Trade in installments via Visa Classic Debit card as part of a package for eligible customers
  • CKB shopping credit card for eligible customers
  • Overdraft - for the first 50 euros spent, you will be exempt from interest for customers who meet the conditions

 

Content and price of the package

CKB Smart package of banking services includes:

  • Transaction account (The package includes one or more transaction accounts for executing national and international payment transactions)
  • Debit card
  • CKB GO
  • SMS service with free SMS messages

Insurance against misuse of payment cards including skimming and accident insurance.

Insurance coverage (valid everywhere in the world)

Coverage limit per harmful event and in the annual aggregate

Abuse of the card by third parties + skimming

Replacement of keys or keyholes, personal documents and purchase of a new bag and/or wallet:

a) the cost of replacing keys and associated keyholes with identical new ones

b) the cost of issuing new personal documents

c) the cost of replacing or issuing a new card

Abuse on the Internet and websites

Unlawful seizure of cash

Costs of paying for calls from a mobile phone

up to the limit of the card, max. 1,000 EUR

 

100 EUR

100 EUR

15 EUR

250 EUR

100 EUR

100 EUR

Replacement of keys or keyholes, personal documents and purchase of a new bag and/or wallet:

a) the cost of replacing the keys and associated keyholes with identical new ones due to the loss of the card

b) the cost of issuing new personal documents due to the loss of the card

c) the cost of replacing or issuing a new card due to the loss of the card

*Annual coverage limit for all cards: EUR 5,000
*Annual aggregate: EUR 5,000

Accident insurance

Death due to an accident 2,000 EUR

Optional products*:

  • Overdraft** - If you have an overdraft, as part of this package, you will be free of interest for the first 50 euros spent. For the amount spent over 50 euros, interest will be calculated on the entire used amount on a daily basis, and the payment will be made at the end of the month.
    CKB shopping credit and/or CKB installment debit card for eligible customers*

Package price:

The monthly fee for the package is: 5.95 euros

Monthly fee if you meet the conditions for the award: 4.95 euros

Award:

The condition that must be fulfilled in order to claim the right to a lower package price:

At least 3 CKB GO payments and no branch transactions.

*In order to become a user of optional products/services as a package user, you must apply for each individual product and attach the necessary documentation according to standard bank procedures for product/service approval. You can become a user of optional products only if you meet all the conditions for product/service approval defined by the bank. The monthly maintenance fee for optional products is included in the package price.

** The annual nominal interest rate is 19.56% and is equal to the effective interest rate. A loan in the form of an allowed overdraft on a transaction account is granted without loan processing costs. Additional costs for loan approval are the cost of a bill of exchange (2 euros) and the cost of an inquiry to the Regulatory Bureau (3 euros). For the used amount of less than 50 euros in the CKB Smart package, the nominal interest rate (NKS)=0 and the effective interest rate (EKS)=0.

To become a CKB package user, you need:

  • That you have an open transaction account at CKB

 

Required documentation

  • Identification document

Important

If you want to become a user of optional products that are included in the price of the package, you need to apply for each individual product and attach the necessary documentation prescribed by the bank's standard procedures for approving the desired products/services.

We provide payment card insurance services in cooperation with Lovćen Insurance. All additional information can be found on the following documents:

Key information document - Payment card misuse insurance

General conditions for personal insurance against the consequences of an accident (accident)

Special conditions for insurance against misuse of payment cards

Clause for insurance against misuse of payment cards in case of skimming

Supplementary conditions for collective insurance of bank clients against the consequences of an accident

Notification to the policyholder before the conclusion of the Insurance Contract and the conclusion of the Distance Insurance Contract.

 

Fees

Price terms of products and services, see in the overview of tariffs.

Application

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