Visa Business credit card

A simple and comfortable non-cash payment.


Precise and simple overview

of company spending and a transparent monthly overview of card use


Every card user has its own overdraft

for ATM, POS terminals and online purchases

Payment of obligations

Choose your date for payment of obligations

with direct debit (8th, 18th or 28th day of the month)


The holders of Visa Business credit card settle their business obligations without cash, and by using the card the company has better overview of the costs.


Payment without physical contact between payment card and POS terminal. The contactless sign is clearly visible on POS terminal. SKB card that enables contactless payment holds the same sign.


Personal identification number (PIN) can be changed on all SKB ATMs.


Visa Business credit card enables non-cash long-distance payment (online purchases, hotel reservation and payment, airplane tickets, rent-a-car).


Cash withdrawal possible at ATMs and SKB outlets or other banks at home and abroad marked with Visa sign.


Safe operating is enabled by chip and PIN number, which you use to confirm a purchase at the point of sale.


Possibility of automatic and free additional card insurances (accident insurance, medical help, baggage/flight delay), that give even more value to business payment cards and at the same time you get additional safety in everyday operations and travelling abroad.

We offer additionally:

Choose also other bank services that will take additional care of safety of your bank operations and enable you better control over spending on card account.



In October 2021 SKB will start issuing Visa Business credit cards, which will replace the Mastercard.

Read more


Mastercard card holders have insurance for:

  • higher insurance sums
  • innovative insurance packages
  • additional security for holders of SKB business payment cards
  • free insurance for the case of accidental death
  • travel medical assistance for all card holders


Business card plus insurance

Business card plus insurance is intended for companies and professionals, SKB transaction account holders and users of their business cards.

  • includes insurance in case of abuse of lost or stolen SKB business cards
  • personal items are also insured (keys, personal documents, handbags, wallet, cell phone - reimbursement of phone call charges)
  • low price with regard to the scope of insurance
  • insurance is valid in Slovenia and abroad


3-D Secure

New way of confirming online payments for higher security.

Read more

Digital banking

With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank.:

  • Submitting application for approval of extra overdraft facility.
  • Submitting application for order of consumer loan.
  • Submitting application for obtaining Visa credit card.
  • Paying and receiving invoices and e-invoices.
  • Overview of balance and spending.

Read more

+ 48

Otherdigital services

If you wish to open an account ...

you need a valid identification document (ID card or passport) and  tax number.

If you wish to change a bank ...

Complete the application for change of bank, and we will arrange everything else instead of you.

Make an appointment with the advisor

Your relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

It's good to know
who you trust with your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
  • Trusted by more than 200.000 clients.

Frequently asked questions

What happens if I cancel an existing card and order a new card due to loss, theft, name change, etc.?

When you are issued a new card, you must provide your mobile phone number to which your will be receiving one-time authentication passwords in person at an SKB d.d. outlet or via the electronic bank.

Can I use 3-D-Secure on any type of personal computer?

One of the main advantages of 3-D Secure is that it can be used on any computer with an Internet connection and a web browser without any additional installation or setup. When making online purchases on public computers, you need to pay special attention to security and privacy, as they are often targeted by cybercriminals who are after your payment card information.

What happens if I enter an incorrect one-time password?

If the one-time password entered is incorrect, the system requests a re-entry. If you enter the password incorrectly more than three times, the transaction is interrupted and the entire process must be repeated.

What if the mobile phone number for receiving the one-time password via SMS is incorrect or if I have not provided a phone number at all?

If the mobile phone number that the Bank has on record for you is incorrect or if the Bank does not have a mobile number on record at all, you should stop the transaction. In this case, you must provide your mobile phone number in person at an SKB outlet or via the electronic bank.

How do I make purchases with 3-D Secure?

At the online point of sale that allows the use of 3D-Secure, select »Payment card« as the payment method and enter the required card information. After confirming the entered data, you will receive a request to confirm your online purchase on your mobile phone. If you have disabled the receipt of automatic push messages on your mobile phone, look for a confirmation request in MOJ@SKB mobile bank in the menu bar »Confirm online payment«. After confirming the request, the purchase will be completed successfully.

Where can I use 3-D-Secure?

You can use the 3-D Secure service for all your purchases with online retailers that support 3-D Secure. You can easily recognize these retailers by the 3-D Secure logo.


What do I need to do to start using 3-D Secure?

Individual activation of the service is not required, nor is the installation of additional new hardware and software required. All you have to do is make a purchase with a payment point in an online store that supports 3-D Secure and is marked with the Verified by Visa and MasterCard® SecureCode ™ logos.

What are the benefits of 3-D-Secure?

The 3-D Secure service brings online purchases with cards a higher level of security, as each purchase verifies the authenticity of the cardholder, using two of the three elements that prove that the payer is the real holder of the payment card. It’s a combination of what we have, of what we are and what we know.

The use of the 3-D Secure service is free of charge for all SKB cardholders.

Who can use 3-D-Secure?

The 3D-Secure service can be used by any SKB Visa and Mastercard card holder.

What is Info SMS?

"Get better transparency of your personal account operations and easy control of your savings, overdrafts and deposits! You can order SMS info easily at any SKB outlet. All you need is a personal ID and a phone number to which you want to receive Info SMS. Make an appointment with your individual relationship officer via SKB TEL by telephone: (01) 471 55 55.

Info SMS provides notifications about:

  • account balance and credits,
  • overdue overdrafts and deposits,
  • 90% of overdraft amount achieved,
  • end of savings term.

There are three notification packages to choose from:

Detailed Info SMS provides notifications about:

  • account balance,
  • account credits,
  • overdue deposits,
  • overdue overdrafts,
  • 90% of overdraft amount reached, end of savings term.

Quick Info SMS provides notifications about:

  • account credits,
  • overdue deposits,
  • overdue overdrafts,
  • end of savings term.

Info SMS includes all notifications by default, but you can choose which ones you wish to receive."

What is 3D-Secure?

3D Secure is an internationally recognized security standard that enables easy and secure online payments The service is supported by VISA with Verified by VISA and Mastercard with MasterCard® SecureCode™.

Can I change my direct debit date?

Yes. You can change the timing of your direct debit with your individual relationship officer at one of the Bank’s outlets or via SKB NET.

What should I do if I have not received my Personal Identification Number (PIN) in the mail or if I can’t remember it?

In both cases, a new Personal Identification Number (PIN) for the card must be requested, which you can do at any SKB outlet in person, by fax or by email.

Can I change my Personal Identification Number (PIN)?

Yes. All SKB card holders can quickly change their Personal Identification Number (PIN) at all SKB ATMs.

How can you guarantee that my purchases or card payments online are safe?

3-D Secure is a security standard that serves to improve the protection of cardholders when making online card payments and thus reduce the risk of unauthorized use of cards by a third party.

Benefits of 3-D Secure:

  • higher level of security when shopping online, 
  • control over unauthorized use of the card,
  • increase the trust and protection of card users and merchants,
  • additional authentication of the holder,
  • use of two-factor confirmation of online card payments.

What should I do if I lose my card or if my card is stolen?

The card holder must immediately report the loss or theft of the card by calling the indicated telephone number or at the nearest SKB outlet. The card holder must also report the theft of his/her card at the nearest police station as soon as possible.

24 hours a day, you can call the tel. no.: (01) 471 50 90 (We recommend that you save the number that you can call in case of loss or unauthorized use of your card).

The card holder must, within 8 days from the date of the report done by phone, confirm the loss or theft of the card in writing at the outlet where he/she has a personal account. At the same time, the card holder can apply for the issue of a new card.

Customers are advised not to keep their Personal Identification Number (PIN) and card together in the same place. 

SKB card holders can protect their cards against unauthorized use if lost or stolen, with Card insurance plus. With Card insurance plus, personal items (keys, personal documents, handbag, wallet, mobile phone and tablet) are also insured in case of loss or theft.

If I encounter any problems with my card, who can I turn to for assistance 24/7, no matter where I am?

Global Customer Assistance Services (GCAS) are available 24/7 around the world in cases such as: canceling a card with a time delay in case of loss, theft or misuse of a card, quick issue of a replacement card, quick cash advance in case of emergency, information services.

Global Customer Assistance Services (GCAS) enable you to swiftly cancel your card in case of loss, theft or misuse of a gold VISA Prestige card. It also allows you to quickly obtain a replacement card and, in an emergency, access to any cash you might need.

If you encounter any problems with your gold VISA Prestige card, you can get assistance anywhere and at any time by simply calling one of the GCAS toll-free telephone numbers. The global network of Global Customer Assistance Services provides multilingual assistance. We recommend that you look up the toll-free assistance numbers for the area you are traveling to in advance.

Temporary replacement card

If needed, the system will provide you with a temporary replacement card free of charge within one business day, and you can pick up your card at one of the thousands of emergency service points around the world. You can request a replacement card when you report your card stolen by calling the toll-free telephone number.

Emergency cash advance

The GCAS, with your parent bank’s authorization, can also approve emergency cash disbursements of up to $ 5,000, which you can collect in a pre-arranged manner.

Information services

The GCAS offer toll-free telephone numbers that you can call if you have any sort of questions, such as information about the location of ATMs, where you can withdraw cash with your gold VISA Prestige card.

Important information

The service is free of charge when you make a call from your local network to a number that is assigned to the country in which you are currently located. Mobile operators or call service providers may charge you for the call service.

A list of toll-free telephone numbers with more detailed information is available at (

If the country in which you are currently located is not on the GCAS Toll-free Telephone Assistance list, or if you are unable to connect to an existing number, you can make a collect call from the local network at the tel. no.: +1 303-967-1096

Mobile service providers do not typically support the service or will charge you for the service, which is outside of the Bank’s competence area or outside of the Bank’s card scheme.

What are the advantages of having a contactless card and how safe is it?

Contactless payment is payment without physical contact between the payment card and the POS terminal. The contactless symbol is displayed on the POS terminal. An SKB card that enables contactless payment carries the same symbol.

Contactless payment - fast, contactless and secure:

  • Low-value purchases of everyday items are usually made in cash. No more struggling to find loose change in your wallet! Grab your contactless card and simply hold it close to a POS terminal. No touching and no need to enter your Personal Identification Number (PIN).
  • You can make most purchases up to 25 EUR with your new card without contact and without entering your Personal Identification Number (PIN). Purchases over the value of 25 EUR must be confirmed by entering your Personal Identification Number (PIN).
  • Random reading (scanning) of card data by unauthorized persons is not possible as this technology is comparable to or even more secure than chip technology.
  • Don’t worry! You can use your contactless card without fear of walking past a POS terminal with your card in your pocket and unknowingly make a payment. A POS terminal does not detect a card that is in your pocket.
  • If you approach a POS with a wallet containing several contactless cards, the POS declines the payment. You must bring the card closer to a POS terminal without any other cards.

Payments UP TO 25 EUR - contactless and without entering your Personal Identification Number (PIN)

Bring the card closer to the contactless symbol on the POS terminal and wait for a light and/or sound signal. After the payment is executed, take the payment receipt.

Payments OVER 25 EUR - contactless and by entering your Personal Identification Number (PIN)

Bring the card closer to the contactless symbol on the POS terminal, enter your Personal Identification Number (PIN) and wait for a light and/or sound signal. After the payment is executed, take the payment receipt.

Good to know when you get a new card replacing your old card:

  • Your new card is already valid and you can start using it after you receive your Personal Identification Number (PIN).
  • You can change your Personal Identification Number (PIN) at all SKB ATMs.
  • You can only start making contactless payments with your new card after the first contact transaction (e.g. making a payment at a POS terminal using your Personal Identification Number (PIN), checking your balance at an ATM ...)
  • Your current card will expire at the latest at the end of the following month after receiving the new card, or earlier, depending on the expiry date of the current card.

During the card replacement period, you will:

  • receive two statements (paper or via SKB NET) for each card, which will show transactions completed, and separately displayed transactions for both cards in SKB NET.

How does Security SMS give me greater transparency and control over my card business?

Security SMS notifies you of any withdrawal of cash at an ATM, any purchase at a POS or any purchase made online or by mobile phone, via SMS. You immediately receive a notification in case of any transaction made in Slovenia or abroad with your credit or debit card.


  • Greater control and better transparency of your card transactions,
  • higher level of security for purchases and ATM withdrawals,
  • control over unauthorized use of the card,
  • preventing major financial losses in case of unauthorized use,
  • possibility of immediate action in case of unauthorized use of the card;.
  • better control over personal finances;
  • real-time monitoring of transactions as soon as they are executed;
  • you get the message for transactions done at home and abroad.

How do I obtain the Security SMS function?

You can fill out an application for Security SMS via the SKB NET online bank or in person at your nearest SKB outlet. You can choose when you want to receive an SMS notification on the use of your card.  

Service 1 In Slovenia Abroad
ATM withdrawal every withdrawal every purchase
Purchase via POS every purchase every purchase
Purchase online/via phone every purchase every purchase
Purchase cancellation every purchase every purchase
Service 2 In Slovenia Abroad
ATM withdrawal over 30 EUR over 30 EUR
Purchase via POS over 30 EUR over 30 EUR
Purchase online/via phone every purchase every purchase
Purchase cancellation every purchase every purchase

With Security SMS, you receive the following information:

  • transaction type,
  • transaction date and time,
  • last 4 card numbers,
  • transaction amount,
  • point of sale where the transaction was performed.

The message also includes key information and a phone number to call when you suspect unauthorized use of your card.

What does Card insurance plus cover?

Card insurance plus is intended for adult SKB account holders and all SKB card holders, as well as persons authorized on a personal account opened with SKB.

  • it includes insurance in case of unauthorized use of lost or stolen SKB payment and credit cards,
  • personal items are also included in the coverage (keys, personal documents, handbag, wallet, mobile phone - reimbursement of expenses related to phone calls made),
  • low price considering the insurance coverage,
  • insurance is valid in Slovenia and abroad.

Read more

How does paying off credit card bills in MOJ@SKB work?

One of the features that are common to all credit cards is the billing period in which the client makes purchases with the card, followed by the automatic payment of the credit card bill for the said billing period on the agreed payment due date (8th, 18th or 28th of the month) or the first following business day. At the end of the billing period (usually 11 days before the agreed payment due date), a statement and (internal) direct debit with the total amount of payments (credit card bill amount) are prepared.

If the client executes an early repayment after the billing period has ended, the following happens:

  • your used card limit will be released in the amount of the repayment at the latest on the following business day, which you will also be notified of with a pop-up window. .

  • On the payment due date, a direct debit to your personal account is made for the credit card bill amount,
  • as a result, the client will have an overpayment amount on the card account corresponding to the amount of the early repayment. You will also be notified of this in a pop-up window notification that appears between the time the statement is being prepared and the debit date.

This does not occur during the billing period, as the statement and direct debit for the amount spent with the credit card have not yet been prepared. An overpayment cannot occur if the client pays only the difference between the spending amount and the credit card bill amount after the end of the billing period.

For more information regarding the Repayment order and the Available balance on the card, click +.

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