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SPLIT UP TO 12 INSTALLMENTS. ANYTIME, ANYWHERE.

FREE UP YOUR FUNDS!

ENJOY NOW. PAY LATER!

REFINANCE!

 
DO YOU WANT US TO CALL YOU AND TELL YOU MORE?

Our banking advisors will explain all the terms and conditions of Mobi Banka's credit card in the pre-contractual phase.

APPLY NOW ONLINE

Apply for a credit card online through Mobi Banka internet app.

Choose a Mobi Banka advisor near you *

If you don’t see your city in the drop-down menu, type in your location and the nearest advisor will contact you.

Enter your name

Enter your phone number *

I have an account in Mobi Banka

Please follow this link to read our Personal Data Processing Notice

The collected customer data will be used exclusively for making calls to provide additional information in pre-contractual phase on the terms and conditions of Mobi Banka's credit card.

APPLY NOW ONLINE

Apply for a credit card online through Mobi Banka internet app.

 
Split up to 12 installments. Anytime, anywhere.
  • Split each purchase or cash withdrawal at an ATM into up to 12 installments. This applies to payments of over RSD 2,000, made at any point of sale or online, in the home country or abroad.
  • Split them into installments at any time, in the app, until the end of the month in which the purchase was made.
  • Choose the number of installments according to your needs and monthly obligations, with a fee of 6% of the total amount of the transaction or 500 RSD minimum. The fee will be evenly distributed and charged with each installment.
Enjoy now. Pay later!
  • Use your Mobi Banka credit card to make deferred payments of up to 45 days, with no interest.
  • Make a purchase online or at the point of sale, and use the app to pay your bills, top up your mobile phone, make a transfer to your current account.
  • Choose the amount you will repay. The minimum monthly repayment is 5% of the remaining debt or RSD 1,000.
Free up your funds!
  • Use your debit card to make payments by the end of the current month, repay it in installments by credit card, with revolving model or split the payment into installments.
  • If you need additional funds at the end of the month, you can transfer payments made during the current month to your credit card.
Refinance with a credit card!
  • Refinance your loan, credit card or authorized overdraft.
  • In the maximum amount of RSD 300,000, in no more than 36 installments, choosing the model that suits you (revolving or installments).
 

When you want new experiences, Mobi Banka can provide.

Explore all the possibilities of Mobi Banka credit card. Let's make your wishes come true together!

 
 

It's easy when you manage your card with a click

Can't find your card?You can use the app to very easily block your card temporarily or permanently within seconds.

Forgot your PIN?Change it easily, on your phone.

Making a payment online?Set a spending limit, pay as much as you need at that time, and don't worry about it later.

Do you want extra security?Enable or disable the use of your card at ATMs, Internet or points of sale.

 
 

Video tutorials

 
 
 
How to activate your credit card?
 
 
How to split a debit card transaction into credit card installments?
 
 
How do you charge a debit card transaction to your credit card?
 
 
 

How do I apply for a credit card?

 
 

Use the app to get everything done, in 3 steps:

1.
Apply for a credit card and submit the necessary documentation online* through the internet app or at Mobi Bank points of sale. Based on the provided personal and financial data, and data on employer, the attached documentation and Credit Bureau report data, the Bank will make a decision on credit card approval and inform you about it by SMS and email.
2.
After approval, you can learn about the offered terms and conditions using our mobile or web app.
3.
Conclude the credit card agreement online, without visiting the Bank!

After the agreement has been concluded, the credit card limit will be available to you, and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

 

If you do not have a current account opened with us, you can submit a credit card application, and we will open your account after the application has been approved.

1.
Visit the Bank’s point of sale to receive an offer from our banking advisor.
2.
Apply for a credit card and submit the necessary documentation online* through Mobi Banka internet app. Based on the provided personal and financial data, and data on employer, the attached documentation and Credit Bureau report data, the Bank will make a decision on credit card approval and inform you about it by SMS and email.
3.
After approval, visit the Bank's point of sale to open a current account without a monthly fee.
4.
After your account has been opened, you can learn about the offered terms and conditions using the Bank's mobile or web app.
5.
You will conclude the credit card agreement at the Bank's point of sale, at which point you will provide the original documentation.

After the agreement has been concluded, the credit card limit will be available to you, and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

 

About refinancing

 
You can refinance your loan obligations with another bank quickly and easily, at no extra cost. An instruction of the National Bank of Serbia allows you to simply change your bank and to refinance all your loan obligations with the loan issued by the bank whose terms and conditions suit you the most. We will take over all communications with the bank whose loan you want to refinance, until that loan has been closed.
The benefits of refinancing your loan obligations at another bank in accordance with the Instruction of the National Bank of Serbia:
  • You will no longer be required to submit the Certificate of Remaining Debt from another bank and you will nave no costs for the issuance of that Certificate
  • No requirement to file an application for closing a cash loan at another bank
  • No additional costs for the disbursement of loans for refinancing and closing loan obligations at another bank.

In accordance with the Instruction of the National Bank of Serbia, when applying for a loan for refinancing your loan obligations at another bank, you will be required to submit a filled in and signed Authorization for granting a loan for refinancing loans at another bank instead of the Certificate of Remaining Debt.

You can download this Authorization here.


 

How do I apply for a credit card with refinancing?

 
 
1.
Fill in the application for a loan using the Bank’s web app or at the Bank’s point of sale together with the banking advisor, by entering your personal, financial and employer information.
2.
Submit the necessary documentation on the Bank’s web app:
  • Authorization for granting a loan for refinancing loans at another bank
  • Certificate of employment or a bank account statement from the commercial bank where you receive your salary/pension

You will be required to submit the Authorization in its original form at the Bank’s point of sale, as well as the Certificate of Employment or bank account statements, unless they have originally been issued in electronic form or signed using an electronic certificate.

3.
Based on the provided data, the attached documentation and Credit Bureau report data, the Bank will make a decision on loan approval and inform you about it by SMS and email.
4.
After the loan application has been approved, you can learn about the offered terms and conditions using the Bank's mobile or web app. 
5.
The loan agreement will be concluded online, and your presence will be required at the Bank’s point of sale, for the delivery of the original documentation submitted when applying. 
6.
After the original documentation has been submitted, the Bank will obtain the necessary information about the loan obligations at another bank that you will be refinancing, on your behalf, and based on the Authorization.
7.
Based on the data received from the other bank, the loan will be disbursed, and we will notify you about this by SMS and email.
 
1.
Visit the Bank’s point of sale to receive an offer from our banking advisor.
2.
Continue making your application, enter your personal, financial and employer information, and submit the necessary documentation using the Bank’s web app:
  • Authorization for granting a loan for refinancing loans at another bank
  • Certificate of employment or a bank account statement from the commercial bank where you receive your salary/pension

You will be required to submit the Authorization in its original form at the Bank’s point of sale, as well as the Certificate of Employment or bank account statements, unless they have originally been issued in electronic form or signed using an electronic certificate.

3.
Based on the provided data, the attached documentation and Credit Bureau report data, the Bank will make a decision on loan approval and inform you about it by SMS and email.
4.
After your loan application has been approved, visit the point of sale to open a current account without a monthly fee and payment card issuance fee. After your account has been opened, you can learn about the offered terms and conditions using the Bank's mobile or web app. 
5.
You will conclude the loan agreement at the Bank's point of sale, at which point you will provide the original documentation.
6.
After the original documentation has been submitted, the Bank will obtain the necessary information about the loan obligations at another bank that you will be refinancing, on your behalf, and based on the Authorization.
7.
Based on the data received from the other bank, the loan will be disbursed, and we will notify you about this by SMS and email.
 

It is important for you to know

 
 

Full-time employees


Credit card


  • The monthly bank account statements from the bank where you have been receiving your salary for the past 3 months in PDF, showing the last three salaries paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or 
  • Certificate of employment and amount of income issued in soft copy and signed with a digital certificate by the employer.
If the employer does not use digital certificate for signing, you can provide a certificate that has been signed and stamped. 
Please find an example of a duly filled-in stamped and signed Certificate below.
  • PPDG5/PPDG2R - Certificate of personal income tax return for taxpayers of this type of tax


Credit card with refinancing


  • Authorization for granting a loan for refinancing loans at another bank 
  • The monthly bank account statements from the bank where you have been receiving your salary for the past 3 months in PDF, showing the last three salaries paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
  • Certificate of employment and amount of income issued in electronic form and signed with a digital certificate by the employer 

If the employer does not use the digital certificate for signing, you can provide a certificate that has been filled in and certified by the employer. 

Please find an example of a duly filled-in stamped and signed Certificate below.

  • PPDG5/PPDG2R - Certificate of personal income tax return for taxpayers of this type of tax

Employment type and income verification document Sample employment type and income verification documentAuthorization for granting a loan for refinancing loans at another bankExample of a properly filled in Authorization for granting a loan for refinancing loans at another bank


Pensioners


RSD pension


  • The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
  • Pension checks for the last three months, or
  • Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund
  • Authorization for granting a loan for refinancing loans at another bank — should be submitted only when refinancing liabilities at another bank


Foreign currency pension


  • A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter (for foreign currency pensioners). The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
  • The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking
  • Authorization for granting a loan for refinancing loans at another bank — should be submitted only when refinancing liabilities at another bank




 
  • Natural persons with residence in the Republic of Serbia (residents)
  • Persons above the age of 18 with an ID card that is valid at the moment when they make their application
  • Employees and pensioners who receive their regular monthly income of at least 20,000 RSD  
  • Persons employed with companies that have active status and have good credit history with no payments past due on any obligation in the Credit Bureau.

When it comes to levels of employment, those eligible for the credit card are persons who are:

  • Persons who have been employed with their current employer for at least 3 months (full-time and part-time)
  • Pensioners
 

Sample revolving credit card with an option to refinance


Total approved limit per credit card is 150,000 RSD, part of this limit in the amount of 90,000 RSD will be used to refinance through installments. 


Example of consumption with revolving credit card:


Current month - July
Description Date Amount (RSD)
0 Credit card limit 150,000
1 Used limit – withdrawals from previous period 30.06 10,000
2 Monthly credit card maintenance fee 01.07. 200
3 Credit card purchases  04.07. 15,000
4 Online payments 12.07. 5,000
5 Deposit to credit card account 15.07. 5,000
6 ATM withdrawal 29.07. 4,000
7 ATM withdrawal fee 29.07. 300
8 Total expenditure (1+3+4-5+6) 31.07. 29,000
9 Total fees (2+7)) 31.07. 500
10 Interest included 31.07. 117
Total credit card loan 31.07. 29,617


Minimum payment by 15 August (equal to 5%):  

1,450 RSD (5% of the item 8 value above)

Minimum payment structure:

  • fee: 500 dinara
  • interest rate: 117 dinara (interest rate on 31 July for the amount of 5,000 RSD (1-5))
  • principal amount: 833 RSD

Fees and interest rates are prioritised when payments are made and must be paid fully. Minimum payment is 1,000 RSD.

Interest rate is calculated from the remaining principal balance from the previous period minus the payment.


Payment by 15 August in the amount of: 

  • 29,617 RSD – the calculation on 31 August will not include any interest rate (as total loan is paid off before the 15th day in the month)
  • 12,000 RSD – the calculation on 31 August will include 411 RSD worth of interest rate (interest rate included for remaining principal balance of 29,617-12,000=17,617 on 31 August is 411 RSD)
  • 1,450 RSD (minimum payment) on 31 August will include 657 RSD worth of interest rate (interest rate included for remaining principal balance 29,617-1,450=28,167 on 31 August is 657 RSD) 


EKS calculated on August 1st 2021: 
Annual Interest Rate - NKS 28%

EKS  on approved credit amount - 34,03%



Full loan payment from previous period Partial loan payment Minimum payment
Remaining principal balance  5,000 17,617 28,167
Interest rate for remaining principal balance 116.67 411.06 657.23



Sample calculation of refinance fee on the amount which is going to be used for refinance through installments. On this amount will be paid only refinance fee. For period of 12 months this fee is 4.800 RSD. The fee is charged as follows:


Month
Instalment Fee Total payment amount
1 7,500.00 400.00 7,900.00
2 7,500.00 400.00 7,900.00
3 7,500.00 400.00 7,900.00
4 7,500.00 400.00 7,900.00
5 7,500.00 400.00 7,900.00
6 7,500.00 400.00 7,900.00
7 7,500.00 400.00 7,900.00
8 7,500.00 400.00 7,900.00
9 7,500.00 400.00 7,900.00
10 7,500.00 400.00 7,900.00
11 7,500.00 400.00 7,900.00
12 7,500.00 400.00 7,900.00
Total: 90,000.00 4,800.00 94,800.00



The chart shows refinance fee on the amount of 90.000 RSD for a 12-month payoff period. Fee in case of refinancing through installments for other amounts and periods is presented in Product catalogue and charges and service fees of Mobi Banka for individuals.


Until August 15th it is necessary to pay a total amount of 9.350,00 RSD or 1.450 RSD (5% of the 8 points) and the total amount of 7.900,00 RSD for refinancing on installments for the first month.


 
  • Client may only possess one credit card. 
  • Credit limit is approved for 36 months.
  • Grace period is 45 days (30+15).
  • Loan maturity date is last calendar day of the month
  • Loan payment tolerance is 15 days – maturity is on the last day of the month, but payments may be made up to the 15th day of the following month
  • Minimum loan amount approved is 30,000 RSD and maximum amount is 1,000,000 RSD.
  • Credit limit is approved only in RSD currency.
  • Minimum instalment is 5% from remaining principal balance, a minimum of 1,000 RSD (in case of revolving refinance).
  • Mandatory monthly payment is done against the current account, while the client can pay off the remaining principal loan using the internal transfer from the current account to the credit limit.
  • The portion of the loan already paid off is available for use.

Details of credit card with refinance option

  • During the refinance process, credit limit for the client is placed with the bank for the refinanced amount and those funds are transferred to the other bank, in accordance with the remaining principal balance statement
  • If the option is instalment refinance, then the minimum instalment is 5% from the used amount (pre-refinance) or a minimum of 1,000 RSD plus the refinance instalment
  • If the credit card or the overdraft are refinanced, the account will be blocked and the limit will not be at the client’s disposal until the client submits a confirmation letter to any Telenor shop showing that the debt has been settled.

The following payments can be made from the credit account:

Payments using the application can be performed once the credit account has been approved, regardless of whether the card has been physically collected by the client or activated. Standing orders or payments in foreign currency cannot be made from the credit account.

Online payments from the credit account are performed when the client initiates a transfer request using the web or mobile apps, by selecting the credit account for payment, instead of the current account. Further payments are performed the standard way using the current account. In order for the account balance changes to be clearly visible for the client, the overview showcases the following transactions:

  • money transfer from credit account to current account
  • payments to current account
  • expenditure transactions from the current account – payment
  • commission charges

After the payment is made, the credit account – i.e. the credit card – is billed the amount paid plus commission fee (in accordance with Bank's Tariffs available here