The interest rates are valid as of 1 July 2023.
Sight deposits on personal account
| Type of personal account | Annual interest rate (In EUR) | Annual interest rate (other currencies) |
|---|---|---|
| Package and Personal account | 0,01 % | 0,00 % |
Overdraft on personal account
Type of package or personal account |
Annual interest rate |
|---|---|
| MOJ S package | 10,40 % |
| MOJ M package | 10,40 % |
| MOJ L package | 10,40 % |
| Youngsters package | 10,40 % |
| ISIC package | 10,40 % |
| Prestige personal account* | 10,20 % |
| Gold personal account* | 10,35 % |
| Standard personal account* | 10,40 % |
| Pension personal account* | 10,40 % |
* Accounts are not in regular offer any more
Sample calculation of effective balance overdraft interest rate
Unauthorized overdraft of positive balance on personal account
(legal default interest rate)
| Type of personal account | Annual interest rate |
|---|---|
| All personal accounts | 12,00 % |
Personal account interest rates
Basic payment personal account
For basic bank services.
Monthly management fee
4,90 EUR /month
Best suited for
For people who do not have an account yet in Slovenia, no matter the residency status.
Advantages
- For welfare recipients monthly account keeping amounts to 1,47 EUR
- Free withdrawals with a Visa debit card at SKB and NKBM ATMs and ATMs of foregin participating banks (OTP Bank Croatia)
- Free digital banking
Collecting funds for covering various costs
Basic account for non-residents
Foreign citizens without a permanent residence in Slovenia need a personal account for managing personal finances as required by the law.
Monthly management fee
2,90 EUR /month
Best suited for
For foreign citizens and people without a permanent residence.
Advantages
- Visa debit card for payments around the world and on internet
- Free withdrawals with a Visa debit card at AKB and NKBM ATMs and ATMs of foreign participating banks (OTP Bank Croatia)
Collecting funds for covering various costs
Personal account
For transparent and simple bank operations customised to your needs. Choose only the products you need.
Monthly management fee
Free
Best suited for
To people older than 15 years with regular monthly income.
Advantages
- Choose only the products you need; you pay the cost of each product according to price list.
