Tailor made for all sorts of purchases. Reliable support for your finances.
With upgraded design,Bobotov Kuk’s motif - symbol of stability and growth- our MasterCard credit card offers you reliable and relaxed shopping, as well as repaying your debt on a monthly basis in amounts which suit your finances the best.
Why do I need this card?
- Payments are possible even if you do not have any money on your current account
- Electronic payments in Montenegro and abroad, free of any commission or fees
- Online purchases
- Cash withdrawals at ATMs
- Free of charge Generali travel health insurance
- Receive a security SMS message for every completed transaction
- You need to be a Hipotekarna Bank’s Client and receive your salary on your account held with the Bank
- Filled in MasterCard Credit Revolving card application form, verified attachment of salary or deposit as security
- Photocopy of personal document (ID card or passport)
Additional documents needed depending on client's status:
For clients receiving their salary via Hipotekarna Bank
- Evidence showing 1/3 salary is under no burden, to cover the percentage of revolving credit, twice the amount
- Signed bill of exchange
- Decision on attachment of salary
- Permanent payment order signed
For other citizens
- Evidence showing 1/3 salary is under no burden, to cover twice the amount of the percentage of revolving credit
- Signed bill of exchange
- Decision on attachment of salary
- Permanent payment order signed
- Deposit as follows:
- 20 % of credit amount requested + 2 guarantors (joint credit capacity) or
- 40 % of credit amount requested + 1 guarantor (guarantors must show 1/3 of their salary is under no burden, to cover twice the amount of the percentage of revolving credit
For students
- Certificate showing student status, with seal and signature by authorised college staff affixed
- Permanent payment order signed
- Deposit as follows
- 20 % of credit amount requested + 2 guarantors (joint credit capacity) or
- 40 % of credit amount requested + 1 guarantor (guarantors must show 1/3 of their salary is under no burden, to cover twice the amount of the percentage of revolving credit
For Clients depositing 100% of credit limit- Decision on attachment of salary
How much does it all cost?
| Issuance of primary card | € 3.00 |
| Issuance of a secondary card | € 2.50 |
| Monthly membership fee for the primary card | € 2.50 |
| Monthly membership fee for a secondary card | € 1.50 |
| Payments at POS terminals | no commissions |
| Cash withdrawal at Hipotekarna Bank ATMs | 1.00% (min. € 2.00) |
| Cash withdrawal at ATMs of other banks | 3.00% (min. € 4.00) |
| Interest rate on outstanding amount payable | 1.20% per month |
