Entrepreneur

Terms and Conditions as a Legal Part of the Client Agreement by Product

: General Business Conditions in wording valid from 1 January 2019 to 31 December 2023
PDF (179 KB)

: Product-specific Business Conditions for Deposit Products valid from June, 1 2023 till June, 14 2024
PDF (274 KB)

Product-specific Business Conditions for Deposit Products valid from April, 15 2022 till May, 31 2023
PDF (322 KB)

Product-specific Business Conditions for Deposit Products valid from October, 1 2021 till April, 14 2022
PDF (296 KB)

Product-specific Business Conditions for Deposit Products valid from September, 14 2019 till January, 31 2021
PDF (292 KB)

Product-specific Business Conditions for Deposit Products valid from January, 1 2019 till September, 13 2019
PDF (317 KB)

Product-specific Business Conditions for Deposit Products valid from May, 1 2016 till January, 14 2018
PDF (181 KB)
: Product-specific Business Conditions for Deposit Products valid from April, 15 2022 till May, 31 2023
PDF (322 KB)

Product-specific Business Conditions for Deposit Products valid from October, 1 2021 till April, 14 2022
PDF (296 KB)

Product-specific Business Conditions for Deposit Products valid from September, 14 2019 till January, 31 2021
PDF (292 KB)

Product-specific Business Conditions for Deposit Products valid from January, 1 2019 till September, 13 2019
PDF (317 KB)

Product-specific Business Conditions for Deposit Products valid from May, 1 2016 till January, 14 2018
PDF (181 KB)
: Product-specific Business Conditions for Deposit Products valid from April, 15 2022 till May, 31 2023
PDF (322 KB)

Product-specific Business Conditions for Deposit Products valid from October, 1 2021 till April, 14 2022
PDF (296 KB)

Product-specific Business Conditions for Deposit Products valid from September, 14 2019 till January, 31 2021
PDF (292 KB)

Product-specific Business Conditions for Deposit Products valid from January, 1 2019 till September, 13 2019
PDF (317 KB)

Product-specific Business Conditions for Deposit Products valid from May, 1 2016 till January, 14 2018
PDF (181 KB)
: Product-specific Business Conditions for Credit cards and Overdraft Facilities – effective since 1 January 2020 till 30 April 2020
PDF (222 KB)

Product-specific Business Conditions for Credit cards and Overdraft Facilities – effective since 1 January 2019 till 31 December 2020
PDF (254 KB)
: Product-specific Business Conditions for Mortgages and Istalment loans – effective since 1 January 2019 till 30 April 2020
PDF (257 KB)
: Product-specific Business Conditions for Investment Services – effective since 27 February 2017 to 31 December 2023
PDF (172 KB)
: Product-specific Business Conditions for Treasury – effective since 1 October 2020 till 31 December 2023
PDF (306 KB)

Product-specific Business Conditions for Treasury – effective since 1 February 2019 till 14 January 2020
PDF (305 KB)
: Payment Services Conditions – effective from 1. 1. 2024 till 31. 12. 2024
PDF (7 MB)

Payment Services Conditions – effective from 16. 10. 2023 till 31. 12. 2023
PDF (558 KB)

Payment Services Conditions – effective from 1. 5. 2023 till 15. 10. 2023
PDF (551 KB)

Payment Services Conditions – effective from 23. 1. 2023 till 30. 4. 2023
PDF (571 KB)

Payment Services Conditions – effective from 1. 1. 2023 till 22. 1. 2023
PDF (565 KB)

Payment Services Conditions – effective from 1. 2. 2022 till 31. 12. 2022
PDF (557 KB)

Payment Services Conditions – change of the Annex 4 effective from 1. 6. 2021 till 31. 1. 2022
PDF (561 KB)

Payment Services Conditions – effective from 1. January 2021 till 31 May 2021
PDF (604 KB)

Addendum No. 9 to the Payment Service Conditions effective from 1. January 2021
PDF (443 KB)

Payment Services Conditions – change of the Annex 4 effective from 10. December 2020 till 31. December 2020
PDF (511 KB)

Payment Services Conditions – Change of the Annex 4 – effective since 1. July 2020 till 9. July 2020
PDF (638 KB)

Payment Services Conditions – effective since 1. January 2020 till 30. June 2020
PDF (556 KB)

Payment Services Conditions – change of Annex 4 effective since 4. November 2019 till 31. December 2019
PDF (656 KB)

For Natural Persons Non-Entrepreneurs – effective from July 1, 2024 till January 31, 2025	PDF (473 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – July 1, 2024 till January 31, 2025	PDF (389 KB)

For Natural Persons Non-Entrepreneurs – effective from January 1, 2024 till June 30, 2024	PDF (374 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from January 1, 2024 till June 30, 2024	PDF (184 KB)

For Natural Persons Non-Entrepreneurs – effective from July 1, 2023 till December 31, 2023	PDF (357 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from July 1, 2023 till December 31, 2023	PDF (133 KB)
For Natural Persons Non-Entrepreneurs – effective from January 1, 2023 till June 30, 2023	PDF (645 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from January 1, 2023 till June 30, 2023	PDF (209 KB)

For Natural Persons Non-Entrepreneurs – effective from June 1, 2022 till December 31, 2022	PDF (645 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from June 1, 2022 till December 31, 2022	PDF (190 KB)
For Natural Persons Non-Entrepreneurs – effective from March 1, 2022 till May 31, 2022	PDF (616 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from March 1, 2022 till May 31, 2022	PDF (216 KB)
For Natural Persons Non-Entrepreneurs – effective from June 1, 2021 till February 28, 2022	PDF (559 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from June 1, 2021 till February 28, 2022	PDF (248 KB)

For Natural Persons Non-Entrepreneurs – effective from June 1, 2020 till May 31, 2021	PDF (559 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from June 1, 2020 till May 31, 2021	PDF (674 KB)

Contractual Conditions – Consumer – Archive

Terms and Conditions as a Legal Part of the Client Agreement by Product

General Business Conditions

Product Specific Business Conditions

Service Charge List

2025

2024

2023

2022

2021

2020

2019

2018

2017

Publications

Other Useful Information to Products

Product-specific Business Conditions for Deposit Products valid from June, 1 2023 till June, 14 2024	PDF (274 KB)
Product-specific Business Conditions for Deposit Products valid from April, 15 2022 till May, 31 2023	PDF (322 KB)
Product-specific Business Conditions for Deposit Products valid from October, 1 2021 till April, 14 2022	PDF (296 KB)
Product-specific Business Conditions for Deposit Products valid from September, 14 2019 till January, 31 2021	PDF (292 KB)
Product-specific Business Conditions for Deposit Products valid from January, 1 2019 till September, 13 2019	PDF (317 KB)
Product-specific Business Conditions for Deposit Products valid from May, 1 2016 till January, 14 2018	PDF (181 KB)

Product-specific Business Conditions for Credit cards and Overdraft Facilities – effective since 1 January 2020 till 30 April 2020	PDF (222 KB)
Product-specific Business Conditions for Credit cards and Overdraft Facilities – effective since 1 January 2019 till 31 December 2020	PDF (254 KB)

Product-specific Business Conditions for Treasury – effective since 1 October 2020 till 31 December 2023	PDF (306 KB)
Product-specific Business Conditions for Treasury – effective since 1 February 2019 till 14 January 2020	PDF (305 KB)

Payment Services Conditions – effective from 1. 1. 2024 till 31. 12. 2024	PDF (7 MB)
Payment Services Conditions – effective from 16. 10. 2023 till 31. 12. 2023	PDF (558 KB)
Payment Services Conditions – effective from 1. 5. 2023 till 15. 10. 2023	PDF (551 KB)
Payment Services Conditions – effective from 23. 1. 2023 till 30. 4. 2023	PDF (571 KB)
Payment Services Conditions – effective from 1. 1. 2023 till 22. 1. 2023	PDF (565 KB)
Payment Services Conditions – effective from 1. 2. 2022 till 31. 12. 2022	PDF (557 KB)
Payment Services Conditions – change of the Annex 4 effective from 1. 6. 2021 till 31. 1. 2022	PDF (561 KB)
Payment Services Conditions – effective from 1. January 2021 till 31 May 2021	PDF (604 KB)
Addendum No. 9 to the Payment Service Conditions effective from 1. January 2021	PDF (443 KB)
Payment Services Conditions – change of the Annex 4 effective from 10. December 2020 till 31. December 2020	PDF (511 KB)
Payment Services Conditions – Change of the Annex 4 – effective since 1. July 2020 till 9. July 2020	PDF (638 KB)
Payment Services Conditions – effective since 1. January 2020 till 30. June 2020	PDF (556 KB)
Payment Services Conditions – change of Annex 4 effective since 4. November 2019 till 31. December 2019	PDF (656 KB)

For Natural Persons Non-Entrepreneurs – effective from January 1, 2020 till May 31, 2020	PDF (943 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from January 1, 2020 till May 31, 2020	PDF (351 KB)

For Natural Persons Non-Entrepreneurs – effective from June 1, 2019 till December 31, 2019	PDF (942 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from June 1, 2019 till December 31, 2019	PDF (326 KB)
For Natural Persons Non-Entrepreneurs – effective from January 1, 2019 till May 30, 2019	PDF (1 MB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from January 1, 2019 till May 30, 2019	PDF (350 KB)

For Natural Persons Non-Entrepreneurs – effective from September 1, 2017 till December 31, 2017	PDF (863 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from September 1, 2017 till December 31, 2017	PDF (356 KB)
For Natural Persons Non-Entrepreneurs – effective from January 4, 2017 till August 31, 2017	PDF (950 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from March 1, 2017 till August 31, 2017	PDF (406 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from January 1, 2017 till February 28, 2017	PDF (396 KB)
Ammendment No. 1– For Natural Persons Non-Entrepreneurs – effective from January 4, 2017	PDF (310 KB)
For Natural Persons Non-Entrepreneurs – effective from January 1, 2017 till January 3, 2017	PDF (857 KB)

Measures implemented by Slovenská sporiteľňa, a.s. to check transactions and compliance with international sanctions – effective from 1.7.2024 to 31.3.2025	PDF (700 KB)
Measures implemented by Slovenská sporiteľňa, a.s. to check transactions and compliance with international sanctions – effective from 1.1.2024 to 30.6.2024	PDF (658 KB)
Prohibited Countries and Risky Countries	PDF (99 KB)
List of the Purpose Codes published by the Central Bank of the United Arab Emirates (UAE) for payments credited to the beneficiary accounts situated in the UAE	PDF (1 MB)
List of the Purpose Codes published by the Central Bank of Bahrain for payments credited to the beneficiary accounts situated in Bahrain	PDF (112 KB)
Implementation of payment services at the end of 2022	PDF (164 KB)

Disclosure on Electronic banking – valid from 1 June 2024 till 31 December 2024	PDF (293 KB)
Disclosure on Electronic banking – valid from 1 April 2023 till 31 May 2024	PDF (276 KB)

Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 1.12.2024 to 31.3.2025	PDF (537 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 1.12.2023 to 30.11.2024	PDF (454 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 15.1.2023 to 30.11.2023	PDF (511 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 31.3.2022 to 14.1.2023	PDF (503 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 10.3.2021 to 30.3.2022	PDF (498 KB)