A simple and comfortable non-cash payment
of company spending and a transparent monthly overview of card use
for ATM, POS terminals and online purchases
with direct debit (8th, 18th or 28th day of the month)
The holders of business MasterCard settle their business obligations without cash, and by using the card the company has better overview of the costs.
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.
Business card plus insurance is intended for companies and professionals, SKB transaction account holders and users of their business cards.
With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank.:
you need a valid identification document (ID card or passport) and tax number.
Complete the application for change of bank, and we will arrange everything else instead of you.
I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.
SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.
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.
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.
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.
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.
When you are making a purchase at a 3-D Secure online point of sale, select "payment card" as your payment method of choice and enter the required card details. After the confirmation of the entered data, a new window will open where you will be asked to enter the one-time password received via SMS. If the entered password is correct, the transaction will be confirmed and the payment will be made.
For more detailed instructions for the activation and use of 3-D Secure with your Visa and Mastercard card, see the documents below:
The 3-D Secure service authenticates the card holder upon activation and at each subsequent use at an online point of sale that supports 3-D Secure. This is done every time by checking the data entered in pop-up windows against the data stored on a secure server. Authentication will only be successful if the data is entered correctly. All your data is transmitted securely over the Internet in encrypted form and cannot be accessed by an unauthorized person.
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.
To use 3-D Secure, you must provide the Bank with your mobile phone number to which you will be receiving one-time authentication passwords. You have probably already done so when you first opened your account. Service activation is no longer required, and you don’t have to install any new hardware and software.
3-D Secure brings a higher level of security for online card purchases, as the card holder is authenticated at every purchase, using a one-time password that the card holder receives via SMS to their mobile phone.
The use of the 3-D Secure service is free of charge for all SKB cardholders.
The 3D-Secure service can be used by any SKB Visa and Mastercard card holder.
"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.
Detailed Info SMS provides notifications about:
Quick Info SMS provides notifications about:
Info SMS includes all notifications by default, but you can choose which ones you wish to receive."
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™.
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.
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.
Yes. All SKB card holders can quickly change their Personal Identification Number (PIN) at all SKB ATMs.
The 3-D Secure service makes paying in online stores easy and secure, thanks to a one-time password that the customer receives via SMS to their mobile phone. The service is supported by VISA with Verified by VISA and Mastercard with MasterCard® SecureCode™.
Online shops that provide secure online payment display Verified by VISA and MasterCard® SecureCode™ logos.
3-D Secure Benefits:
You can activate the 3-D Secure service when you make your first online purchase at an online store that has signed up to 3-D Secure.
A personal message is an additional security feature designed to verify the authenticity of a website and provide additional security when shopping online. A personal message prevents cybercriminals from steering you to a fake website.
You can create it yourself during the 3-D Secure activation process. Every time you buy online, make sure your personal message is the same as the one you created at the time of activation. If the message is not the same, do not enter any data and immediately close your web browser, as the website is likely to be fraudulent.
How do I make purchases with 3-D Secure after activation?
If you have already activated the 3-D Secure payment service at a 3-D Secure online point of sale, select "payment card" as your payment method of choice and enter the required card details. After the confirmation of the entered data, a new window will open where you will be asked to enter the one-time password received via SMS. You should only enter the password if the window asking for your password is displaying the correct personal message. If the entered password is correct, the transaction will be confirmed and the payment will be made.
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.
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.
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.
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 (https://www.visaeurope.com/lost-your-card).
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.
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:
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:
During the card replacement period, you will:
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.
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:
The message also includes key information and a phone number to call when you suspect unauthorized use of your card.
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.
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:
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 +.