Tailor made for all sorts of purchases. Reliable support for your finances.
With upgraded design – motif of Bobotov kuk, symbol of stability and growth, our MasterCard credit card offers you a 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 fo charge Generalli 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 a 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 the percentage of revolving credit, twice the amount
- 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 the percentage of revolving credit, twice the amount)
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 the percentage of revolving credit, twice the amount)
For clients depositing 100% of credit limit
- decision on attachment of salary
How much does it all cost?
| Issuance of primary card | EUR 3.00 |
| Issuance of a secondary card | EUR 2.50 |
| Monthly membership fee for the primary card | EUR 2.50 |
| Monthly membership fee for a secondary card | EUR 1.50 |
| Payments at POS terminals | no commission |
| Cash withdrawal at Hipotekarna Bank ATMs | 1.00% (min. EUR 2.00) |
| Cash withdrawal at ATMs of other banks | 3.00% (min. EUR 4.00) |
| Interest rate on outstanding amount payable | 1.20% per month |
