For all financing solutions check your home bank first!

When you need a hand or wise advice, you seek it from the ones you trust the most, be it your friend or a specialist. But when it comes to financing solutions, we are ready to advise and give you the best solution no matter what kind ideas or plans you have.

Small loan for your plans

For 125 ways of how to put baby to sleep, ask your mother.

For a small loan to purchase baby’s furniture, ask your home bank first.

Special offer: Contract fee 0 €.

  • Good solution if you need to renovate your home, buy new furniture for the terrace, repair your car or to finance your next big purchase.
  • A loan from 300 EUR to 20,000 EUR.
  • In the mobile app, get the response faster within 20 minutes (on workdays from 09:00 to 17:00).

Tip: save on expenses! Opportunity to repay the loan early without any extra fee

The offer is valid for the applications that are submitted between 1 April and 31 May 2019.

How to apply

Car loan for your new car

For a driving lesson, ask your older sister.

For a car loan, check your home bank first.

Special offer: Contract fee 0 €.

  • Good for buying a used car without down payment.
  • A loan from 3000 EUR to 20,000 EUR.
  • You become the owner for car.

Tip: no hurry - choose the car within 30 days after receiving the loan.

The offer is valid for the applications that are submitted between 1 April and 31 May 2019.

How to apply

Car loan for your new car

For a driving lesson, ask your older sister.

For a car loan, check your home bank first.

Special offer: Contract fee 0 €.

  • Good for buying a used car without down payment.
  • A loan from 3000 EUR to 20,000 EUR.
  • You become the owner for car.

Tip: no hurry - choose the car within 30 days after receiving the loan.

The offer is valid for the applications that are submitted between 1 April and 31 May 2019.

How to apply

Home Small Loan for your better home

For help to renovate your house, ask a builder.

For a home loan, check your home bank first.

Special offer: Contract fee 0 €.

  • Flexible loan for home improvement and for buying a land plot or small home.
  • Loan from 5000 EUR to 20,000 EUR.
  • You can apply and sign agreement via Internet Banking.

Tip: lower interest rate compared to the Small Loan. Land with buildings to be improved has to be registered in your name in the land register and not mortgaged for the benefit of third parties before applying for a loan for repairing, renovating or building purposes.

The offer is valid for the applications that are submitted between 1 April and 31 May 2019.

How to apply

Credit Card for your memorable holidays

For advice on holiday suitcase, ask your friend.

For a credit card for your holiday shopping, check your home bank first.

Special offer: for Revolving and Gold credit cards no issuance fee if sending by post and no monthly fee charged until May 31st.

  • Enjoy travelling without having to worry about unexpected expenses.
  • Extra money up to 3 monthly salaries.
  • No interest will be charged if the amount spent on the card is repaid on time.

Tip: on travels, your whole family and credit card purchases will be insured.

Revolving credit cards and Gold revolving credit cards ordered between 01.04.19–31.05.19 have a € 0 monthly fee until 31.07.19. From 01.08.19 will apply the regular monthly fee. If you have previously had same type credit card, the special offer applies to you only if at least 3 months have passed since you cancelled your card.

Credit Card for your memorable holidays

For advice on holiday suitcase, ask your friend.

For a credit card for your holiday shopping, check your home bank first.

Special offer: for Revolving and Gold credit cards no issuance fee if sending by post and no monthly fee charged until May 31st.

  • Enjoy travelling without having to worry about unexpected expenses.
  • Extra money up to 3 monthly salaries.
  • No interest will be charged if the amount spent on the card is repaid on time.

Tip: on travels, your whole family and credit card purchases will be insured.

Revolving credit cards and Gold revolving credit cards ordered between 01.04.19–31.05.19 have a € 0 monthly fee until 31.07.19. From 01.08.19 will apply the regular monthly fee. If you have previously had same type credit card, the special offer applies to you only if at least 3 months have passed since you cancelled your card.

Please note, that by using financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, and it can also cause initiation of enforced recovery.

Typical example of total consumer credit annual percentage rate calculation

For consumer loan

If you applied for a consumer loan amounting to EUR 3 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 16 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) for natural persons‘ as established by the Bank; agreement administration fee of EUR 0; monthly payments EUR 74 using annuity method, then, the total consumer credit annual percentage rate would be 18 %, and the total amount paid by the Consumer Loan receiver would be EUR 4 419.

For home small loan

If you applied for a home small loan amounting to EUR 10,000 with credit agreement duration (and loan repayment term) of 10 years (the number of instalments – 119) with the fixed annual interest rate of 11 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) for natural persons’ as established by the Bank; agreement administration fee of EUR 0; monthly payments of EUR 140 using annuity method, then, the credit annual percentage rate would be 11.9 %, and the total amount paid by the credit receiver would be EUR 16,669.

For car loan

If you applied for a consumer loan amounting to EUR 6 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 12 % and the following applicable fees: monthly minimum daily services fee (0.70 EUR per month); agreement administration fee of EUR 0; monthly payments EUR 133.45 using annuity method, then, the total consumer credit annual percentage rate would be 13.14 %, and the total amount paid by the Consumer Loan receiver would be EUR 8 007.51.

For credit cards

Example of a standard annual percentage rate calculation: granted credit limit – 1500 EUR, when credit agreement period is 42 months, monthly amount of the principal of 375 EUR is paid (in case of fixed payment credit card, the following is applicable, fixed annual credit interest rate of 19% is applied, monthly minimum daily banking fee for private persons as established by the Bank is paid (0.70 EUR per month), monthly bank account administration fee and one-time card issuing fee is paid, then, the total consumer credit annual percentage rate would be:

  • Standard credit card – 23 %, and the total amount paid by the consumer loan receiver would be EUR 2552.
  • Gold credit card – 24.9%, and the total amount paid by the consumer loan receiver would be EUR 2627.

Calculations of the annual percentage rate of charge and the total amount payable by the borrower are based on assumptions that the total credit amount will be disbursed by the Bank to the borrower on the day of signing the credit agreement and that this amount will not be repaid until the end of the credit limit validity term, the parties to the credit agreement will fulfil their obligations arising from the credit agreement in observance of the terms and conditions established therein, the annual interest rate, the amount of fees and other charges will be the same as at the time of concluding the credit agreement and will apply further until the expiration of its validity.